Why Your Heart Rate Matters

Don't miss any of HealthyWoman from Bottom Line. Add our address, HealthyWomanfromBottomLine@ebhw.bottomlinesecrets.com, to your Address Book or Safe List. Learn how here. January 6, 2011  Heart Rate: Why It Matters More Than You Might Think Drug-Free Diabetes Cure How to Tell Whom to Trust New Treatment Reverses 82% of Deadly Cancers... Without Chemotherapy, Radiation or Surgery Selenium vs. Bladder Cancer   Heart Rate: Why It Matters More Than You Might Think Most of us grew up in the days before gym teachers talked about resting heart rates and target heart rates. When coaches at school wanted us to work harder, they would just yell, "Hustle!" When we overdid it, we would flop down onto the ground for a few minutes until we felt better. But now that we’re older, the whole heart rate business is not something we can ignore. Recent research reveals the reasons... A study of 50,088 adults found that for women under age 70, every increase of 10 beats per minute (bpm) in resting heart rate (number of heartbeats per minute while at rest) boosted the risk of dying from a heart attack by 18%. (No such association was found among women 70 or older.) In a study of 129,135 postmenopausal women, those whose resting heart rate was above 76 bpm were 26% more likely to have or to die from a heart attack than those whose resting heart rate was below 63 bpm. A strong heart pumps blood more efficiently, so it doesn’t need to beat as fast. Regular aerobic exercise can lower your resting heart rate -- but only if you work out at the right intensity. According to Wayne Westcott, PhD, a Quincy College exercise science instructor, if you go too easy during workouts, you miss out on cardiovascular benefits... but if you push too hard, you might experience light-headedness, nausea and a higher-than-normal rise in blood pressure that could dangerously overwork your heart if you have hypertension. Here’s how to gauge the right workout intensity for you... Find out your current resting heart rate. First thing when you wake up, take your pulse at your wrist or neck for one minute. What resting heart rate suggests about fitness level for women in midlife and beyond... Excellent Below 60 bpm Very good 60 to 65 bpm Good 66 to 70 bpm Average 71 to 75 bpm Worse than average Above 75 bpm Plan to do a cardio workout at least three times per week. Good options include brisk walking, running, dancing, cycling and swimming, Dr. Westcott said. (Get your doctor’s OK before beginning or intensifying any exercise regimen.) Determine your target heart rate. Your ideal heart rate while exercising depends on two factors -- your age and current fitness level. Dr. Westcott explained that the problem with the target heart rate charts often seen online or at gyms is that they generally are based only on age, not on fitness level, so you could wind up working out too hard or not hard enough. And though one target heart rate formula (called the Karvonen method) does account for resting heart rate, it requires more complicated calculations and, in Dr. Westcott’s opinion, yields guidelines that may be too high. Better: Follow the guidelines in the charts below. To track heart rate during your workout, use a heart rate monitor (about $100 at sporting-goods stores). Remember: Your warm-up and cool-down do not count as time in your target range. If your resting heart rate currently is above 70 bpm... In your... Your target heart rate is... Your cardio workout should last... 40s 120 to 130 bpm 15 to 20 minutes 50s 110 to 120 bpm 15 to 20 minutes 60s 105 to 115 bpm 15 to 20 minutes 70s 95 to 105 bpm 15 to 20 minutes 80s 80 to 90 bpm 15 to 20 minutes If your resting heart rate is 60 to 70 bpm... In your... Your target heart rate is... Your cardio workout should last... 40s 130 to 140 bpm 20 to 25 minutes 50s 120 to 130 bpm 20 to 25 minutes 60s 115 to 125 bpm 20 to 25 minutes 70s 105 to 115 bpm 20 to 25 minutes 80s 90 to 100 bpm 20 to 25 minutes If your resting heart rate is below 60 bpm... In your... Your target heart rate is... Your cardio workout should last... 40s 135 to 145 bpm 25 to 30 minutes 50s 125 to 135 bpm 25 to 30 minutes 60s 120 to 130 bpm 25 to 30 minutes 70s 110 to 120 bpm 25 to 30 minutes 80s 95 to 105 bpm 25 to 30 minutes Adjust your workout intensity as needed. Check your resting heart rate monthly -- as it improves, intensify your workouts according to the guidelines above. For safety: Reduce workout intensity and/or duration if you feel exhausted rather than invigorated after exercising... your muscles feel sore for more than a day after working out... you are recovering from an illness... you feel stressed... or the pollen count or air pollution index is high. Source: Wayne Westcott, PhD, a certified strength and conditioning specialist, is the fitness research director and an instructor of exercise science at Quincy College, in Quincy, Massachusetts. He is the author or coauthor of 24 books on fitness and an advisory board member for HealthyWoman from Bottom Line. Drug-Free Diabetes Cure Scientists at the University of Pittsburgh have established that 83% of obese patients who try a new natural treatment code-named "LGB," that dramatically corrects the way your body metabolizes food, see dramatic improvement in their diabetes. In fact, many see total reversal of the disease. Dr. Philip Schauer, who led the study, also comments, "Most patients in the study with type 2 diabetes... achieved excellent biochemical [blood sugar] control and were able to reap the clinical benefits of withdrawing from most, if not all, antidiabetes medications, including insulin." LGB works in as little as 90 minutes, even on morbidly obese patients... Learn more... How to Tell Whom to Trust Judy Kuriansky, PhD Columbia University Like most people, you probably have felt betrayed at some time by a once-trusted friend who lied... a family member who bad-mouthed you... a colleague who gossiped about what you had shared in confidence... or a love interest who led you on or even cheated. After the anger subsides, such experiences can leave you feeling wary, withdrawn and uncertain of whom you can and cannot trust. But here’s what is really at stake -- if a past bad experience with one friend or lover prevents you from ever again placing trust in a new pal or partner, you will miss out on a lot of future joy in your relationships. Better: Instead of withdrawing, use the strategies below to renew confidence in your ability to gauge trustworthiness. When you are starting a new relationship... Take your time. If experience has shown that you tend to be naive in new relationships, observe a new acquaintance’s behavior for a while -- three months is usually enough time -- before you open your heart or spill your secrets. Red flags: He or she cancels dates at the last minute... makes excuses for not following through on promises... "forgets" to return borrowed items... gets caught in white lies... talks about having tricked someone... no longer talks to several formerly close friends. Be direct. Start a conversation about trustworthiness and honesty by declaring their importance to you. Then pay close attention to the other person’s response. A thoughtful explanation of why she, too, values these traits is much more reassuring than tentative hemming and hawing. If you are unsure whether to continue an established relationship... Make a "trust account." In his book The Speed of Trust, Stephen M.R. Covey recommends thinking of a relationship in terms of an emotional bank account. To evaluate a particular person’s trustworthiness, make two lists -- in the deposits category, write examples of incidents in which the person’s behavior added to your trust... in the withdrawals category, list behaviors that eroded trust. Compare the lists, asking yourself, "Is she usually out for herself, or does she consider what’s best for both of us? Do I generally feel that I can speak openly, or do I often feel that I need to conceal my true thoughts?" The answers should help you calculate the balance in that person’s trust account. Get a reality check. Some tricksters are charming and convincing, making it easy to miss warning signs. So call a friend whose judgment you know you can trust, describe your situation and ask, "Would you trust a person who says this or does that?" She may provide a perspective you had not thought about... and relating the story may give you an "aha" insight. If you cannot simply avoid an untrustworthy person altogether... Set boundaries. As much as possible, distance yourself from a dishonest neighbor (for instance, find someone else to pick up your mail when you’re out of town) and from gossipy coworkers (by limiting conversation to work topics and disengaging from joint projects if it won’t damage your career). To resist impulsive sharing, before revealing potentially sensitive information to a relative or social acquaintance who may have questionable motives, ask yourself what you hope to gain and what you stand to lose by confiding in that person at this particular time. If risks outweigh benefits, keep quiet. Practice what you preach. Be sure that you speak the truth, avoiding even white lies or subtle spin-doctoring that distorts the facts in your favor... make only those promises that you are willing and able to keep... and never betray a confidence. This gives you standards and expectations of honorable behavior by which to measure others. Source: Judy Kuriansky, PhD, is a clinical psychologist and sex therapist on the adjunct faculty of Teachers College, Columbia University in New York City. She is the author of five books, including The Complete Idiot’s Guide to a Healthy Relationship (Alpha), and is a columnist and advisory board member for HealthyWoman from Bottom Line. www.DrJudy.com New Treatment Reverses 82% of Deadly Cancers... Without Chemotherapy, Radiation or Surgery Lung cancer? Everybody knows that’s usually a death sentence. TV’s Peter Jennings died just a few months after announcing he had it. But you won’t hear that gloomy outlook from some very fortunate cancer patients. They were treated with a startling new medical cure that harnessed the cancer-killing power of their body’s T-cells. These warriors of your immune system usually ignore cancer. But researchers recently found a way to trick T-cells into destroying deadly cancers. How? With a dose of the patient’s own tumor cells! Read on... Selenium vs. Bladder Cancer Women are less likely than men to get bladder cancer -- but we also are less likely to survive if we do get it, according to the National Institutes of Health. Encouraging news from a recent study: Compared with women who had the lowest blood levels of the mineral selenium, those with the highest levels were 34% less likely to get bladder cancer. Bottom line: Further research is needed before selenium supplements could be recommended for bladder cancer prevention, but results of several studies are promising. Meanwhile, selenium-rich foods -- including nuts, seafood and whole wheat -- can be a healthful part of your diet. Source: Margaret Karagas, PhD, is a professor of community and family medicine at Dartmouth Medical School in Hanover, New Hampshire, and leader of a study of 1,875 people. Tamara Eberlein, the editor of HealthyWoman from Bottom Line, has been a health journalist for nearly three decades. An award-winning author of four books, she is committed to helping other women in midlife and beyond live healthy, fulfilling lives. She is also the "chief health adviser" to her husband of 25 years, college-age twins and teenaged son. BOTTOMLINESECRETS.COM Terms & Conditions Privacy Policy About Us Contact US Bottom Line Publications | 281 Tresser Boulevard, 8th Floor | Stamford, CT 06901 You received this free E-letter because you have requested it. You are on the mailing list as healthwellness82@gmail.com. Or... a friend forwarded it to you. Click here to easily unsubscribe. To change your e-mail address click here. To update your e-mail preferences click here. © 2011 by Boardroom Inc. All Rights Reserved.

Social-Ize Your Health

Don't miss any of Bottom Line's Daily Health News. Add our address, dailyhealthnews@edhn.bottomlinesecrets.com, to your Address Book or Safe List. Learn how here. January 6, 2011 In This Issue... Two Secret Nutrients Your Eyes are Starving For The Mother of All Health Tips -- Social Life Is the Most Important Predictor of Health and Longevity Reverse 20 Years Of Memory Loss And Get Smarter In 60 Minutes! Move Over Blueberries and Green Tea? -- Olive Leaf Extract May Be the New Star Drug-Free Diabetes Cure Two Secret Nutrients Your Eyes are Starving For Everyone used to think eyesight degeneration was just a natural consequence of aging. But we now know that this thinking is often wrong! In fact, research has shown that a lot of eye health issues can be attributed to a lack of certain nutrients. But the good news is that Dr. Victor Marchione reveals the two secret nutrients that your eyes are starving for and how to easily get them to help save your sight and independence. Click here to watch the presentation. The Mother of All Health Tips Here’s a riddle: Other than air, water, sleep and food, what is it that human adults need so badly that doing without it is as harmful to health as being an alcoholic or smoking 15 cigarettes a day? It is so important to your health that not having it is worse for you than being sedentary and is considered twice as dangerous as obesity. It’s not sex -- though that may well be a part of it. It’s social interaction, and believe it or not, having strong ties to other people is so vital that it actually improves your odds that you’ll live for any given period of time by 50%! People Need People These compelling statistics spelling out the importance of human relationships were identified in new research published in the July 2010 issue of PLoS Medicine, which analyzed 148 studies involving the social habits of 300,000 people over an average of seven and a half years. Until now, the link between lack of relationships and risk for death hasn’t been widely explored. It was a goal of the authors, from the psychology department of Brigham Young University, to produce a review that is so comprehensive that the public and medical community both sit up and take notice. The researchers learned that social support provides numerous emotional benefits that translate into good health and longevity, specifically... Social connections help people handle difficult and uncomfortable emotions, including anxiety and anger. Friends and family act as helpful naggers -- they tend to encourage healthy lifestyles by urging people who aren’t healthy to sleep more, lose weight, eat healthfully, see a doctor, exercise or quit smoking. Social relationships provide meaning and purpose in life, and people who have a purpose are more likely to take better care of themselves and avoid unnecessary health risks. What Are The Benefits? "Our relationships influence long-term health through emotional and/or psychological responses that affect physiological processes," says the study’s lead author Julianne Holt-Lunstad, PhD, associate professor of psychology at Brigham Young. "The data shows us that real or perceived availability of social resources is linked to lower blood pressure, better immune functioning and decreased inflammatory processes for a number of different diseases." As an example, Dr. Holt-Lunstad cites a study in which participants wore a device that measures blood pressure throughout a 24-hour period -- it showed that people with social support tend to have lower blood pressure. However, despite the numerous studies showing that relationships are associated with healthiness, the exact mechanisms by which they do so are not clear. Epidemic of Loneliness Humans are naturally social, note the researchers, but many aspects of modern life lead to isolation. For instance, in our highly mobile society, people often live far from all or most of their family members. Many delay getting married and having children, and because more people of all ages are living alone, loneliness seems to be a growing problem. According to a Duke University study published in the American Sociological Review, over the past two decades, the number of Americans who say that they have no close confidantes has doubled -- to 25%. Increasingly popular technology that keeps us glued to a computer or cell phone inhibits development of close personal relationships. Acknowledging that the Internet may make it easier to meet people, Dr. Holt-Lunstad said she doesn’t believe that online interactions can take the place of in-person engagement. For instance, studies show that physical touch from a loved one has measurable health benefits, including pain reduction and lowered blood pressure. Cancer patients who receive loving touch from friends or family members report less fatigue and nausea than those who did not. Quality Time Dr. Holt-Lunstad told me that she’s more than once been asked "what about relationships that aren’t pleasant?" She said that quality absolutely is important, noting that scientific evidence does show that "negative relationships" can hurt our health. Rather than using that as a reason to be loners, however, Dr. Holt-Lunstad suggests this is evidence that we should work to improve existing relationships in addition to looking for more opportunities to develop new ones. In fact, said Dr. Holt-Lunstad, the quality of relationships is more significant than the quantity. "Having even one true confidante or someone you know you can turn to when you need a favor is important," she says. "You might have 50 people around you and still feel lonely -- we need to go beyond thinking about numbers." Whatever the cause of loneliness -- a negative perception of yourself or others, poor social skills, few social contacts or lack of a confidante -- this is one "medical treatment" that can be quite pleasant. Start by calling a friend today! Source(s): Julianne Holt-Lunstad, PhD, associate professor of psychology, Brigham Young University, Provo, Utah. Reverse 20 Years Of Memory Loss And Get Smarter In 60 Minutes! "I used to have a great memory," All my life I’ve worked with numbers." As a former bookkeeper, Dr. Ray Sahelian’s patient was especially concerned. "Now I can’t remember simple phone numbers... IT’S SO FRUSTRATING!" Other doctors might have shrugged and said, "Sorry, you’re getting old... " But Dr. Ray Sahelian reversed her frightening decline almost immediately. Her memory picked up dramatically. Suddenly, she was focused all day. And all it took was the easy-to-follow nutrient program... Learn more... Move Over Blueberries and Green Tea? As lawsuits claim devastating jaw damage and other side effects from osteoporosis drugs, it’s good to know that a traditional herbal remedy -- olive leaf (Olea europaea) -- is showing great promise as a safer alternative to stave off bone deterioration as we age. And I learned from JoAnn Yanez, ND, a South Dakota-based expert in integrative medicine, that there is substantial data on other health benefits you can reap from this ancient herb as well! More Antioxidants than Green Tea Olive leaf remedies are popular in countries ranging from Greece and Italy to Australia and New Zealand and in Africa. Leaves from olive trees contain flavonoid polyphenols such as oleuropein and hydroxytyrosol, which have antioxidant, antiviral, anti-inflammatory and antimicrobial effects. In fact, researchers have found that extract made from olive leaf has a greater antioxidant capacity even than other more highly touted sources, including pomegranate, blueberry, cranberry and even green tea. Multiple studies have demonstrated olive leaf’s potential in ... Preventing or managing infection. In lab and animal studies, scientists have discovered that olive leaf is effective against a wide range of bacteria, viruses, fungi and parasites -- and without the worrisome side effects of antibiotics. Lowering blood pressure. In a South African study, olive leaf extract thwarted the development of severe hypertension in salt-sensitive, insulin-resistant rats. Preventing heart disease. Laboratory studies in Italy showed that olive leaf extract inhibits low-density lipoprotein (LDL) oxidation. An Australian study showed that liquid olive leaf extract (tested in vitro) has antiplatelet effects that may help prevent clots. Controlling blood sugar. Animal studies suggest that olive leaf improves sugar uptake, which may prove helpful in preventing or treating diabetes and metabolic syndrome. Three Ways to Try It Olive leaf is readily available online and in health-food stores as an extract and in capsule form, as well as tea, though some find the taste bitter and unappealing. Advice from Dr. Yanez: At the first sign of a cold or the flu, take three capsules three or four times a day... or, if you prefer the extract, drink it straight (follow the package directions for one serving) or diluted in water or juice three times a day... or drink two cups daily of olive leaf tea. Olive leaf is generally considered safe, but as always when trying an herbal remedy, check with your doctor first. This is especially important if you have a chronic condition -- olive leaf may interact with certain diabetes and blood pressure drugs, and some people are allergic to olive tree pollen and should be on the alert for hives or other signs of allergy to the extract. Source(s): JoAnn Yanez, ND, Yanez Consulting, Sioux Falls, South Dakota. She is an expert in health policy and integrative medicine and former vice president of the New York Association of Naturopathic Physicians. Be well, Carole Jackson Bottom Line's Daily Health News Drug-Free Diabetes Cure Scientists at the University of Pittsburgh have established that 83% of obese patients who try a new natural treatment code-named "LGB," that dramatically corrects the way your body metabolizes food, see dramatic improvement in their diabetes. In fact, many see total reversal of the disease. Dr. Philip Schauer, who led the study, also comments, "Most patients in the study with type 2 diabetes... achieved excellent biochemical [blood sugar] control and were able to reap the clinical benefits of withdrawing from most, if not all, antidiabetes medications, including insulin." LGB works in as little as 90 minutes, even on morbidly obese patients... Learn more... You received this free E-letter because you have requested it. You are on the mailing list as healthwellness82@gmail.com.   Or... a friend forwarded it to you. Click here to easily subscribe. You can easily unsubscribe by clicking here. To change your e-mail address click here To update your e-mail preferences click here Important: Help your friends live more healthfully -- forward this E-letter to them. Better: Send it to many friends and your whole family. This is a free e-mail service of BottomLineSecrets.com and Boardroom Inc. Need to contact us? http://www.bottomlinesecrets.com/cust_service/contact.html Boardroom Inc. 281 Tresser Boulevard Stamford, CT 06901-3246 ATTN: Web Team Privacy Policy: BottomLineSecrets.com Web Site Privacy Policy Required Disclaimer: The information provided herein should not be construed as a health-care diagnosis, treatment regimen or any other prescribed health-care advice or instruction. The information is provided with the understanding that the publisher is not engaged in the practice of medicine or any other health-care profession and does not enter into a health-care practitioner/patient relationship with its readers. The publisher does not advise or recommend to its readers treatment or action with regard to matters relating to their health or well-being other than to suggest that readers consult appropriate health-care professionals in such matters. No action should be taken based solely on the content of this publication. The information and opinions provided herein are believed to be accurate and sound at the time of publication, based on the best judgment available to the authors. However, readers who rely on information in this publication to replace the advice of health-care professionals, or who fail to consult with health-care professionals, assume all risks of such conduct. The publisher is not responsible for errors or omissions. Bottom Line's Daily Health News is a registered trademark of Boardroom, Inc. Copyright (c) 2011 by Boardroom Inc.

Turn What You Know Into Dough

Don't miss any Bottom Line Secrets. Add our address, bottomlinesecrets@ebls.bottomlinesecrets.com, to your Address Book or Safe List. Learn how here. January 5, 2011 The "Secret $200 Retirement Blueprint!" Turn What You Know Into Dough New INSTANT Cure for Extra High Cholesterol -- Cholesterol Drops 100 Points or More Right (and Wrong) Ways to Clean Out Your Ears Blast Away High Cholesterol. Lose 67 Points in Just 28 Days Dear healthwellness82@gmail.com, While many people are struggling financially these days, the truth is that this difficult economy does present opportunities to launch profitable part-time businesses with practically no start-up costs. Loral Langemeier, author of Put More Cash in Your Pocket, tells how to transform your talents, hobbies and interests into income... and identifies seven service sectors where a minimal investment in training can prepare you for a whole new career. If you’re not hearing the way you should, you might simply have a problem with earwax -- but there is a right (safe) and wrong (unsafe) way to deal with it. Richard M. Rosenfeld, MD, MPH, professor of otolaryngology at Long Island College Hospital and State University of New York-Downstate, explains how to clean out your ears without endangering your hearing. All the best, Jessica Kent Editor BottomLineSecrets.com PS: Don’t forget to check out Bottom Line President Marjory Abrams’ latest blog posting: Lost and Found in My Address Book. And don’t forget to share your thoughts on the blog with Margie. The "Secret $200 Retirement Blueprint!" If you’ve already retired, or want to retire soon, I urge you to watch this video presentation before we have to pull it down. This "Secret $200 Retirement Blueprint" shows you step-by-step how to grow a monster-sized nest egg with a little time and a tiny grubstake. Click here to watch this video presentation now. Turn What You Know Into Dough Loral Langemeier Live Out Loud If you want more cash, consider starting a part-time business. Almost everyone has the skills and time needed to launch a business that’s capable of generating an extra $500 to $1,000 per month. With a part-time business, the smart strategy is to get it up and running within a week or two for no more than a few hundred dollars. How to do it... LOW-COST BUSINESS IDEAS Identify skills that you already possess that could be turned into a service-oriented business. Possibilities... Tutoring. Tutor students or help high school students prepare for their SATs or ACTs. Teachers, former teachers, professors and those with degrees from prestigious universities are particularly likely to attract clients. Auto care/repair. If you’re good with cars, offer auto-maintenance and basic repair services. Computer. Provide tech support to individuals or small businesses. Set up computer networks, solve problems, optimize computer performance or create and manage Web sites. Foreign language. If you’re fluent in a foreign language, tutor those who want to learn it or students struggling with their foreign language classes. Handyman. Home maintenance and repair services always are in demand. Music/acting. Tight budgets are forcing many public schools to cut back on music and theater programs, creating openings for private tutors. Photography. Offer portrait or wedding photography services. Sewing/alterations. Alterations are on the rise as people choose to repair, not replace, clothing. Sports. Help promising young athletes hone their abilities. Those who played a sport professionally or for a prestigious college program are most likely to attract clients. Woodworking. High-quality handcrafted wooden bowls and other carved kitchen items can fetch attractive prices in boutiques and at arts and crafts fairs. If you do not have a particular skill that is likely to be in demand, there are service businesses that do not require extensive training or skills (though experience is, of course, helpful). Possibilities include... In-home elder care Child care/day care Lawn and garden care Carpooling/driving services Pet walking/pet sitting Housesitting Housecleaning BUSINESSES TO AVOID Certain businesses are best avoided by people seeking to earn extra cash with little risk... Retail stores. Retailing typically requires an expensive inventory, long hours, employees and leased commercial property. Retailers must compete with Internet sellers and massive chains. Franchises. Profitable franchises charge big up-front franchise fees that part-time business people typically cannot afford. "New idea" businesses. It takes lots of time and marketing dollars to convince consumers to spend their money on something that they’ve never spent it on before. The failure rate for such businesses is very high. More than 485,000 applications for US patents were filed in 2008 -- only a few of these will be successful. It is better to offer a service that people already understand. SETTING PRICES Contact companies that provide similar services in your region, and inquire about their rates without mentioning that you intend to enter the same business. Avoid the inclination to undercut the competition’s prices. Offering the lowest price for a service creates the impression that your services are less valuable. It is better to charge comparable prices and explain why your services are superior. Examples: Establish that your qualifications are more extensive... or offer a money-back guarantee. Exception: Offer lower prices to customers who sign up for extended service packages. Locking customers into long-term arrangements can help beginning businesses build reliable cash flow. It also is a way to make your service seem like a bargain without creating the impression that it is low quality. Example: Someone starting a part-time car-maintenance business could offer a discount package to customers who sign up for a full-year auto-maintenance program. MARKETING YOUR BUSINESS The most cost-effective marketing tool is word of mouth... Visit local businesses that offer related but not overlapping services. Tell the owners or managers of these businesses what your business does. Ask if you can post a flyer in their windows or leave a stack of flyers on the counter. Examples: Someone starting a house-sitting or lawn-care business could contact real estate agents. Consider sharing a storefront location. Ask area businesses that are in some way related to your intended field if they have extra space that they are willing to sublet to you. This can be much cheaper than renting your own space, and you’ll have an inside track on that existing business’s customers. Example: Someone starting a sewing and alterations business could sublet space at a dry cleaner. Contact organizations that work with your intended customer base. Example: If you intend to provide tutoring or music lessons to kids, contact local schools and youth clubs. Volunteer your services to local nonprofits. It’s a good way to make contacts and show off your skills. Offer satisfied customers a discount on their next purchase if they refer someone who also becomes a customer. TAXES, LICENSES AND INSURANCE Don’t worry about taxes at first. New businesses typically have 90 days from the date they start taking in money to get tax payments squared away. It’s best not to get bogged down in such details sooner than necessary, but do ask your accountant if you need to charge tax on any of your goods and/or services. Don’t worry about hiring a lawyer or incorporating your business until your business is up and running. A few details do need to be sorted out before your business gets going... Contact your town or county offices to find out if you need any licenses or permits. Set up a separate checking account for business expenses and receipts. Ask your insurance agent about professional liability insurance, particularly if your business involves anything that could cause injury or trigger a lawsuit. Contact your auto insurance provider if you plan to use your personal vehicle for business. Your existing policy is unlikely to cover business use. Bottom Line/Personal interviewed Loral Langemeier, CEO of Live Out Loud, Inc., a coaching and seminar company with offices in Nevada and California. She regularly appears on the Dr. Phil show as a money expert and is author of many books on finance, including the bestseller The Millionaire Maker (McGraw-Hill) and, most recently, Put More Cash in Your Pocket (Harper). www.liveoutloud.com. New INSTANT Cure for Extra High Cholesterol -- Cholesterol Drops 100 Points or More Do you have stubborn high cholesterol? Would you love to get your count under control without having to depend on expensive prescription drugs? Changing your diet can help, of course. But here’s something better. This breakthrough new therapy instantly filters excess cholesterol from your body. And it’s completely safe. This new therapy takes only a matter of minutes and lowers unhealthy cholesterol like no drug known to science. At the same time, it triggers a reduction in C-reactive protein and fibrinogen, substances that can increase the risk for blood clots. Patients who receive the therapy report a rapid reduction in cardiovascular symptoms such as angina. Learn more... Right (and Wrong) Ways to Clean Out Your Ears Richard M. Rosenfeld, MD, MPH Long Island College Hospital Earwax lubricates the ear’s delicate skin and traps germs and debris. When you talk or eat, jaw motion pushes excess wax out of the ear canal to the point where it is visible. It can then be wiped away with a damp cloth or swab. But: Sometimes the ear gets clogged as wax builds up. Do not try to dig wax out of the ear canal -- this could abrade the skin, inviting infection... compact wax further... or puncture the eardrum. Better... Wax may get stuck if it’s too dry. To soften it, once a week use an eyedropper to place two drops of unscented baby oil in each ear. Clogs may occur if you secrete excess wax or have narrow ear canals. To unclog: Tilt your head sideways, clogged ear up, and drip an eyedropperful of body-temperature water into the ear. Wait five minutes... tilt to the other side to drain... suction out the ear with an infant nasal aspirator. Repeat twice daily for up to three days. If you want, you can try an over-the-counter product that dissolves earwax -- but usually this is unnecessary because earwax is water-soluble. See a doctor if... the above methods don’t help, hearing is impaired or you hear ringing. Your doctor can remove excess wax with irrigation, suction and/or a tiny looped instrument using a magnifier for guidance. Also, to minimize infection risk, leave earwax removal to a doctor if you have a perforated eardrum or diabetes. Cautions: Never irrigate an ear with a dental device, such as Water Pik -- the pressure could rupture the eardrum. Never try ear candling, a procedure that involves placing one end of a hollow candle in the ear and lighting the other, supposedly to create suction -- it does not work and can cause burns even if done professionally. Bottom Line/Women’s Health interviewed Richard M. Rosenfeld, MD, MPH, professor and chairman of otolaryngology, Long Island College Hospital and State University of New York-Downstate, both in Brooklyn, and editor-in-chief of Otolaryngology -- Head and Neck Surgery. Blast Away High Cholesterol. Lose 67 Points in Just 28 Days The big drug companies don't want you to know about the alternative cures that can make their drugs obsolete. The alternative medicine believers think drugs and surgery are bad ideas. Guess what? They're both dead wrong. Finally, a maverick MD has dared to identify the world's best cures from both sides of the medical aisle. These are the real forbidden cures you want... Read on... Important: Help your friends get much more out of life -- forward this E-letter to them. Better: Send it to many friends and your whole family. This is a free weekly e-mail service of BottomLineSecrets.com and Boardroom Inc. Boardroom Inc. 281 Tresser Boulevard Stamford, CT 06901-3229 ATTN: Web Team You received this e-mail because you have requested it. You are on the mailing list as healthwellness82@gmail.com. Or... a friend forwarded it to you. Disclaimer: Bottom Line Secrets publishes the opinions of expert authorities in many fields. But the use of these opinions is no substitute for legal, accounting, investment, medical and other professional services to suit your specific personal needs. Always consult a competent professional for answers to your specific questions. Bottom Line Secrets is a registered trademark of Boardroom Inc. Subscribe |  Unsubscribe | Update My E-mail Preferences Change My E-mail Address | Contact Us | Privacy Policy Copyright (c) 2011 by Boardroom Inc.