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Heating and Cooling Provider Offers Furnace Air Humidifier

(Newswire.net — September 5, 2017) Joliet, IL — PDM Plumbing, Heating & Cooling believes homeowners and occupants of commercial buildings should be aware the heating and air conditioning systems they have in their homes and buildings do more than control interior temperatures. They also dry out the air to uncomfortable and unhealthy levels. The solution could be as easy as installing a whole house humidifier in Illinois.

“We’ve built our business and reputation over the past 132 years by giving our commercial, residential, government and other customers superior service, including making the latest technologies available to make their lives better,” according to a PDM Plumbing, Heating & Cooling spokesman. “After installing a furnace humidifier in Joliet IL, a family or the occupants of a commercial facility will experience the difference humidified air makes on their health and on how comfortable their indoor environment suddenly feels.”

Low humidity levels can increase a person’s likelihood of getting colds, the flu and respiratory ailments. For individuals with allergies and asthma, dry air can aggravate the symptoms. Other health issues associated with low-humidity include: bloody noses; sore throats; itchy and cracked skin; and dry, itchy eyes. 

As humidity levels drop and air dries, it causes your skin to dry through the process of evaporation. Moisture evaporating from your skin causes you to feel cooler. During winter months, the natural response to feeling cooler is to raise your thermostat to heat the air and dry it out even more. Not only does it make you feel uncomfortable, but it also increases energy bills by causing your heating system to work more.

Adding moisture to the indoor air you breathe has health benefits in addition to making your indoor environment more comfortable and lowering heating bills. However, letting the air dry out too much is not the answer to safe and healthy air quality. Maintaining the proper humidity levels in your home or office benefits not only your skin, sinuses and respiratory system, but you will also see how it prevents wood floors and furniture from drying out and cracking.

The technical staff at PDM Plumbing, Heating & Cooling advises residential and commercial customers that the key to healthy and comfortable interior environments is controlling humidity levels, particularly during winter months. When HVAC systems draw cold outdoor air into buildings and heat it, this process reduces the air’s relative humidity. Installing Aprilaire and Honeywell humidifiers controls indoor relative humidity for a healthier, energy efficient and comfortable lifestyle.

The PDM Plumbing, Heating & Cooling HVAC craftsmen provide various services for residential and commercial properties. Learn about the available furnace air humidifiers and other heating and ac services options by visiting their website at www.pdmsince1885.com or call 1-815-726-6264.  

About PDM Plumbing, Heating, Cooling

PDM Plumbing, Heating & Cooling has been the leading Joliet commercial plumbing heating air conditioning service since 1885. Its award-winning commitment to customer satisfaction and superior service makes it the company to call in the southwest suburbs of Chicago.

PDM Plumbing, Heating, Cooling

467 Ruby Street
Joliet, IL 60435
United States
Source: http://newswire.net/newsroom/pr/00097762-furnace-air-humidifiers-for-air-quality.html

Joliet HVAC Company Introduces UV Germicidal Irradiation

(Newswire.net — September 5, 2017) Joliet, IL — PDM Plumbing, Heating & Cooling has been coming up with solutions for the problems experienced by its residential and commercial customers for 132-years by offering quality products, superior craftsmanship and unsurpassed reliability. Indoor air quality is a problem it is currently addressing for many of its customers with commercial HVAC in Illinois and resolving with the latest in air quality technology.

“Air handler coils in commercial buildings are breeding grounds for mold,” according to a spokesman for PDM Plumbing, Heating & Cooling. “Mold and airborne diseases, such as influenza and the common cold, are spread throughout a building by otherwise-properly functioning ventilation systems. We offer solutions that address these and other issues building owners and managers have with air quality.”

An ultraviolet germicidal irradiation light can be installed in HVAC air handlers or in ducts. Air circulating through irradiated zones created by the lights comes out cleaner when airborne bacteria, viruses and other pathogens that are harmful to people are killed. It can be used in offices, restaurants, medical centers, retail stores, schools, government buildings and other types of commercial structures. While other companies focus only on proper ventilation, PDM Plumbing, Heating & Cooling understands the importance of also addressing indoor air quality.

Technology to improve air quality is not limited to only one or two installation options. PDM technicians and air quality experts have solutions that solve the problem at its source. Installing a furnace UV light in Joliet IL sterilizes coils to destroy and prevent the growth of mold. A properly installed and maintained UV light system also addresses health issues caused by volatile organic compounds. 

VOC’s are airborne as gases originating from cleaners, pains, furniture, disinfectants and other chemicals commonly found in commercial buildings. UV-light systems reduce the levels of VOCs to improve the quality of indoor air. When UV-light systems are combined with titanium dioxide and activated carbon, harmful VOC molecules are neutralized and absorbed. The result is cleaner air in commercial environments and fewer complaints of irritated eyes, noses and throats from building occupants. 

An added benefit of a clean-air system installed by a Joliet commercial plumbing heating air conditioning service is improved energy efficiency. Commercial property managers can expect to experience lower energy bills and reduced maintenance costs.

This ultraviolet germicidal irradiation service is available for commercial companies throughout the southwest suburbs of Illinois. Visit the PDM Plumbing, Heating & Cooling website at www.pdmsince1885.com for further information or call 1-815-726-6264 to speak with a representative. 

About PDM Plumbing, Heating, Cooling

PDM Plumbing, Heating & Cooling has assembled an award-winning team to continue offering residential and commercial customers in Joliet and nearby communities superior HVAC services and equipment. The company’s commitment to its customers dates back to its founding in 1885 and includes a customer satisfaction guarantee on all work.

PDM Plumbing, Heating, Cooling

467 Ruby Street
Joliet, IL 60435
United States
Source: http://newswire.net/newsroom/pr/00097761-uv-germicidal-irradiation-service-announced.html

Freedom through Forgiveness

(Newswire.net — August 31, 2017) Herriman, Utah — Recently it has come to the forefront that many of us, in our quest to become better people, sometimes get hung up on aspects that hold us back.  As I thought about my own short comings, I was reminded of the teachings of a favorite mentor, Bill Barney.   Please review the following article that discusses overcoming the powerful burdens we put on ourselves with relationship issues, pride, grudges and being judgmental. 

We have all been told to forgive other people. We know the benefits we receive by forgiving. We want to let go, but how do we go about it? Here is a simple 5 step process to Active Forgiveness. I have led hundreds of people through this process. It works consistently and quickly. The most common phrase I hear after walking a client though this 5 Step Process is: “Wow! I feel so light and free. I had no idea how big of a 

burden I have been carrying with me!”

Forgiveness is not just for religious purposes. It is a universal principle that brings peace and happiness to those who practice it regularly. There are many well documented studies showing the benefits of practicing Active Forgiveness. Studies done by the Mayo Clinic, show that people who forgive regularly have:

  • improved relationships
  • decreased anxiety and stress
  • lower blood pressure
  • a lowered risk of depression
  • stronger immune system
  • better heart health.

I assist many people who are victims of abuse and rape in the course of my work. I have found the act of “unforgiveness” or holding onto a grudge is often the cause of the person’s distress be it emotionally or physically.  Nelson Mandela said it best: “Resentment is like drinking poison and hoping it will kill your enemies.”  Forgiveness has very little to do with the other person.  The real reason we should forgive is for our own emotional, spiritual and physical well-being. 

I have found that many times people think they have forgiven a person when they are actually holding onto a lot of pain and poison.  Let’s do a Reality Check and give it the old Acid Test.  Notice the emotions that come up when you think of that person and what they did.  If you feel any negative emotions towards that person at all, it means that you still have some forgiveness work left to do.  While you will feel much better by letting go of some of your anger and resentment towards that person, I have found that it is impossible to fully forgive someone when you still feel resentment, anger or any other negative emotion to wards that person.

I would like to share with you the account of a woman whom we will call Leona to protect her privacy.  Leona’s husband abandoned her while she was pregnant with their fourth child.  He ran off with a much younger Barbie Doll type.  Every time Leona would see her ex-husband and new girlfriend driving around town it would throw her into a deep depression that would last anywhere from a couple of days to a few weeks.  Leona called me two days after doing an Active Forgiveness session with me where we went through all the steps of forgiving her ex-husband.  She was very excited to tell me that she had just seen her ex-husband and his Barbie Doll driving down the road and the only thing she felt was pity for that man. She was amazed at the difference she felt after completely forgiving her ex.

Many times, the act of forgiving and letting go is just a simple process.  What about the times when we have been offended so egregiously that forgiveness is near impossible?  We are told to forgive and we all know that we should. So how does one go about doing that? Sometimes it takes more than saying Abracadabra or wiggling your nose like a bunny.

Here are 5 simple steps to Active Forgiveness.  You may not need to use all 5 steps to forgive every offence, but I have found that following these steps will help you forgive and let go of the unforgiveable.  



5 Steps to Forgiving Others.

Step 1. Heal the pain.

This is the part that many people miss in the forgiveness process. They try to forget the pain, ignore it or just stuff it . . . and it just does not work.

You must heal the pain first. I call this the Sliver Principle.  When you get a sliver in your hand, you know that you must first remove the sliver or the hand will never heal properly with the sliver still embedded. Trying to forgive without healing the pain is like putting ointment and a band aid on a sliver and hope it gets better.     

I have two suggestions of ways to heal the pain. 

1. Write and Burn. Write out all your frustrations, anger and heartache onto paper. Go into detail about how this person hurt you and what they did to you and how it affected you. Then light the paper of fire and watch it burn. You will notice your negative feelings dissipate along with the smoke. 

2. Shout it out loud. You should do this when you can be alone. I like to do it while in my car or out in the woods or a field. Just imagine that the person you want to forgive is right there with you and tell them what they did to you and how it makes you feel. Scream, cry, curse, throw a tantrum. Just get it out. Those unspoken words are poison inside you. Now is the time to get it all out. (Just a little note here; Don’t yell at them in person. Don’t send them the letter. This process is for your benefit. It has very little to do with the other person.)


Step 2. Specifically speak the words of Forgiveness and say “I release this and let it go now”

Something very powerful happens within us, when we speak specific words of forgiveness. It is many times more effective than just thinking it.

Be specific in the words you say out loud. Let’s say for example that your partner named Riley cheated on you. Don’t just say “I forgive Riley for cheating”. Be specific. Say, “I forgive Riley for destroying my self-esteem.” “I forgive Riley for not keeping his/her promises.” “I forgive Riley for lying to me.” “I forgive Riley for taking away my trust.” You get the idea. If you fell on a cactus and got a rear end full of stickers, you wouldn’t stop tweezing till you got every last one removed. Approach your forgiveness process the same way. Just forgive the offender in as many different ways as you can think of.

Step 2 is really a two-part process. You should follow up every “I forgive” statement with the words; “and I release this and let it go now.” This serves to bring closure and a sense of immediacy with-in yourself. I often hear people say; “Wow, I really felt a shift, when I said the word ‘now’.”

Step 3. Release the person and turn them over to a Higher Power.

Whatever that Higher Power is for you, just turn the person over to that power. Use prayer or just declare your intention to release this person. Let the situation be between them and that Higher Power. There is a powerful cleansing effect of turning the problem over to something greater than yourself and letting go. Give it to God, The Universe, or your Mother-in-Law. (wink, wink) I don’t care. Just get rid of it. You will feel the difference.

Step 4. Ask your Higher Power to take any remaining negative feelings from your Heart.

If you believe in God or something bigger and greater than yourself, there is a miracle waiting for you when you ask your Higher Power to take this burden from your heart. I witnessed this change of heart many times. Sometimes we do all we can to forgive and let go. Yet there remains with-in us negative feelings and emotions related to the offence. Step 4 can dissolve the remaining poison inside ourselves.

Step 5. The three R’s. Rinse and Repeat as Required.

Just keep repeating the 4 steps over and over until you are no longer affected negatively when you think about the offence or the offender. You may go for two weeks or two years and then something will come up and you notice that you are experiencing negative emotions. No problem, just notice what you are feeling and say; “I forgive Riley for yelling at my dog.” “I release this and let it go now”. I hope you get the idea.

Remember to forgive the little things as well as the big ones. Forgive people in traffic or the slow ones in line at the grocery store. Just say in that moment; “I forgive that person”.  You will be astonished how your life will change by letting go of grudges and forgiving people in the moment of the offence. Most of all. remember to forgive yourself.  When you actively forgive others regularly, you will have improved relationships, decreased anxiety and stress, lower blood pressure, a lowered risk of depression, stronger immune system and better heart health. How can you put a price on those benefits?

Forgive often. Forgive quickly. Forgive completely. Forgive everybody and live a healthier, happier and more fulfilling life. 


Source: http://newswire.net/newsroom/pr/00097733-freedom-through-forgiveness.html
Source: http://newswire.net/newsroom/pr/00097733-freedom-through-forgiveness.html
Source: http://newswire.net/newsroom/pr/00097733-freedom-through-forgiveness.html

About All Things Possible

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All Things Possible

7840 Mountain Top Rd
Herriman, Utah 84096
United States
Source: http://newswire.net/newsroom/pr/00097733-freedom-through-forgiveness.html

North Korea War Threat Spurs Sales of Emergency Preparedness Items

(Newswire.net — August 31, 2017) Woodbridge, VA — The looming threat of a war between the U.S. and North Korea has incited a spike in sales of survival gear.

The escalating verbal tension between Donald Trump and Kim Jung-un, compounded by the firing of a North Korean missile over the Japanese mainland, has sparked a fear of a potential war between the two sparring countries.

Those in the ‘doomsday prepper’ business are seeing some of their highest sales ever in just the past month. Some of the most popular items being purchased are dehydrated food, camp stoves, fire starters, water filters, and more interestingly- costume gas masks and underground bunkers. 

While doomsday prepping has always been a niche market, an increase in sales is typical following an alarming new story, or economic downturn. Prepping, as it is called, alleviates fears of the consumer, as they feel they are taking precautionary steps in case of an apocalyptic situation. Prepping isn’t only in case of political turmoil; it is also in case of a natural disaster (such as Hurricane Harvey), job loss or economic collapse.

Prepping for economic collapse or war may seem far-fetched, but being prepared for a hurricane or superstorm is something everyone should do. Even if you are not in the line of a hurricane, most regions of the U.S. are susceptible to natural disasters, such as blizzards, tornados, wildfires, and mudslides. 

Here are three simple steps you can take to prep for the next natural disaster to hit your area:

1. Put together an emergency kit for your home and one for each family car. Fill it with items to last at least 3 days, such as bottled water, non-perishable food items, warm layers, portable batteries and a first aid kit.

2. Ensure you have extras of any prescription medication you may take in the house and car.

3. Learn basic first-aid and CPR skills, so you can lend a hand if a family member or neighbor becomes injured during a natural disaster.

Though we may not all feel the need to prep for an impending war with North Korea, it is a good idea to be prepared in case of a natural disaster, which may truly strike at any time and does not take any considerations. 

About Surviveware

Surviveware produces a wide range survival equipment. Surviveware’s first priority is the customer, and that is evident not only through its highly rated products but also its customer service. Surviveware is also a Proud Supporter of Hands Free, a charity providing 3D printed prosthetics to children and veterans.


13003 Smoketown Road
Woodbridge, VA 22192
United States
Source: http://newswire.net/newsroom/pr/00097720-north-korea-war-threat-doomsday-prepper-surge.html

Vancouver BC Company Expands Popularity of Unique Lending and Borrowing Concept

(Newswire.net — August 24, 2017) Vancouver, BC — The rapidly growing company, Urbanshare.ca, has expanded their local market share and popularity with a highly unique lending and borrowing concept. This company, which is based in Vancouver, started this new concept just over a year ago and it allows those in the area to lend and to borrow almost anything from others in the area. One of the ideas that has fueled this concept is based on the benefits a building a community and economy based around sharing.

Urbanshare.ca will, of course, receive a small fee for providing the systems and platform that makes it convenient for customers to gain access to a highly diverse range of products in their local communities. This system has been saving its users money and time as well as helping them to connect with neighbors throughout their area and will eventually expand out to other areas of Canada. Already, customers are finding it a perfect way to access electronics, video games, tools, outdoor equipment, as well as clothing, party supplies, and many other items where they do not need to purchase them outright and only need to ‘borrow’ for short-term use.

Urbanshare.ca is creating a way for people in the community to earn an income from items that others are interested in but they are not currently in need of or using. Over the past year they’ve continued to improve their website user experience and ensure that the platform remains very easy to use – and integrate market-leading security features to provide safety for lenders and borrowers using the site. Their system is set up so that users are able to use a smartphone app that makes it very simple and only requires a couple of photos along with a description and setting a reasonable hourly or daily/weekly rate for those who would like to borrow the item.

The philosophy around this idea is simply that access is more important than ownership, and it’s a unique spin on the “Peer to Peer lending” model that has been used by financial organizations with microlending and similar approaches. Rather than having to buy something at the retail price and then when not using it store it somewhere, a person can borrow it for a reasonable fee and the one that owns it can earn from it rather than just having it stored. This idea has caught on in Vancouver and the company has experienced healthy growth over the last 12 months – likely attributed in part to the high cost of living in the city, and where maximizing available budget through borrowing, not purchasing, makes sense.

Because the system is very convenient and helps users by saving them time and money it is poised to grow exponentially over the next couple of years. Anyone interested in earning or saving money using this concept can visit their site at https://www.urbanshare.ca.

About UrbanShare.ca

UrbanShare is a trusted local Vancouver online marketplace for neighbors to lend and borrow anything in the community. Whether you need a floor sander for small renovations, a bouncy castle for kids’ party, a tent for a camping trip, roof racks for a weekend Whistler trip, or a telescope for a stargazing night out, UrbanShare will help find it all safely and conveniently. Whatever you need – chances are, somebody in the neighborhood is willing to lend it to you. We’re a fun lending and borrowing marketplace with a fresh take on P2P (Peer to Peer) lending!


422 Richards St
Vancouver, BC V6B 2Z4
Source: http://newswire.net/newsroom/pr/00097639-lend-and-borrow-vancouver-bc.html

Ortho-Tain Inventor to Lecture at Tufts University

(Newswire.net — August 22, 2017) Winnetka, IL — Dentists, Orthodontists, Sleep Doctors, Pediatricians and staff are invited to attend the Healthy Start lecture that is being hosted at Tufts University on Friday/Saturday, September 22nd and 23rd, 2017. We are honored to have the founder of Ortho-Tain, Dr. Earl O. Bergersen as a lecturer at this event. Ortho-Tain and Dr. Bergersen, DDS, MSD, ABO recently celebrated 50 years of treating 3.5 million children around the world.

Ortho-Tain developed the Healthy Start system as a program that addresses the underlying root cause connected to Sleep Disordered Breathing. Sleep Disordered Breathing in children is a much more critical and common problem than what has been previously thought. SDB can manifest itself in a variety of outward symptoms that can be easily over-looked, misdiagnosed, and, most unfortunately, left untreated. The Healthy Start system is a non-invasive, non-pharmaceutical, form of treatment that uses a series of specially designed appliances to promote proper breathing habits. Healthy Start addresses mouth breathing, snoring, open-bite, cross bite, narrow palate, improper jaw development, speech difficulties, thumb/finger sucking, and improper swallowing. The system treats orthodontic problems such as crowding, overbite, overjet, gummy smiles, and class III corrections.

Early intervention is critical when addressing sleep issues. A recent study of 501 Healthy Start patients from the ages of 2 to 19 found that 9 out of 10 children display at least one or more symptoms of Sleep Disordered Breathing. This study also found that between 4 and 12 years of age, 92.6% of symptoms did not self-correct while 30% worsened with age. The four most common symptoms found among this sample include mouth breathing, snoring, talking in sleep, and teeth grinding. The dentist is well positioned to uncover these problems and guide the parents into seeking a solution.

Correcting or modifying these sleep symptoms, particularly before a child enters school, can be a lifesaving procedure and one that can greatly improve the child’s well-being in school and their normal social interaction with other children. To alter even a single symptom, such as prolonged bed-wetting, can dramatically change a child’s life. It is essential that treatment to alleviate SDB symptoms in children begin as early as possible to set the growing dental/skeletal patterns right. Correction and promotion of proper oral habits puts the child on a path to a long and healthy life.

Professionals interested in gaining a greater understanding of SDB and how the Healthy Start System addresses both sleep and skeletal growth conditions can participate and earn CE Credits in a two-day course. This course provides the necessary information for both the Doctor and staff to identify, evaluate and understand the treatment protocols.

The Healthy Start Boston Course will be on the Tufts University campus at the Merritt Auditorium. If you would like more information, please feel free to contact us at contact@thehealthystart.com.

# # #

If you would like more information about this topic, please contact Susie LaFredo at susie@healthystartchild.com

About HealthyStart™ by Ortho-Tain

With over 500 patents HealthyStart™️ is based on 50 years of research and the experience of treating over 3.5 million children around the world.

HealthyStart™ by Ortho-Tain

950 Greenbay Road
Winnetka, IL 60093
United States
Source: http://newswire.net/newsroom/pr/00097621-boston-dental-course.html

Stretch Mark Laser Removal May Not Be the Best Choice

This cream may be a better option for individuals who do not want to go through the hassle and high cost of laser therapy.

Parcel Pending Unveils Refrigerated Electronic Lockers

(Newswire.net — June 16, 2017) Irvine, California –Parcel Pending, a leading provider of comprehensive package management solutions, announces the addition of refrigerated and outdoor lockers to its existing electronic lockers line. The state-of-the-art units aim to address the growing need for innovative solutions in multifamily properties where storage of residents’ perishable parcels and diminishing indoor space for such lockers prove to be a massive challenge.

Recent statistics show a significant surge in apartment living. This, coupled with the growth in online shopping, has property owners of multifamily communities scrambling for ways to manage resident’s packages. Today, property managers are struggling to de-clutter their indoor mailroom areas and preserve parcels that require specialized, refrigerated storage.

“When it comes to package delivery, we are in the problem-solving business,” says Parcel Pending CEO and Founder Lori Torres, highlighting the company’s two new innovative lockers. Both of these will be presented at the National Apartment Association Education Conference and Expo in Atlanta from June 21 to 24, 2017.

Parcel Pending refrigerated lockers are the first in the multifamily industry. These lockers can be set between 35 and 44 degrees Fahrenheit. This allows temperature-sensitive packages to maintain their freshness longer than they would on gel packs and dry ice. This is a breakthrough for property managers who need a place to keep their residents’ refrigerated goods intact and secured while waiting to be retrieved.

“Our new refrigerated lockers are the result of listening to our customers and seeing the need to store perishable goods,” Parcel Pending CEO and Founder Lori Torres emphasizes. “These revolutionary new lockers allow property managers to focus on the resident, and not spoiled food and melting packages.”

The outdoor lockers are made from weather-resistant materials that are ideal for properties with limited indoor spaces or lack of a 24/7 communal area for residents. Parcel Pending’s outdoor lockers are made from weather resistant materials, which allows packages to be stored safely until residents can pick them up. And, since these lockers are stored outside, residents can pick up their packages any time.

The first in the industry, the new line will definitely benefit a huge number of property owners, managers and residents. For more details about this new technology, visit https://globenewswire.com/news-release/2017/06/14/1019274/0/en/Parcel-Pending-Announces-an-Industry-First-Refrigerated-Outdoor-Smart-Lockers-for-Multifamily-Properties.html

About Parcel Pending

Parcel Pending is in the business of providing total package management solutions for multiple unit residences, retail and universities throughout North America. Based in Irvine, California, the company is committed to delivering a comprehensive suite of electric lockers and excellent customer service to benefit property owners, managers and residents.

Parcel Pending

1 Vanderbilt
Irvine, California 92618
United States
(855) 316-4756
Source: http://newswire.net/newsroom/pr/00096789-parcel-pending-unveils-refrigerated-electric-lockers.html

Is it Possible to Retire Wealthy?

(Newswire.net — June 20, 2017) Syosset, New York —

The idea of retiring a wealthy person is certainly an attractive idea. But how realistic is it?

If you’re under 40, your most valuable asset is time. Retirement is decades away, and contributions to a 401(k) or other retirement savings plan will have many years to compound and grow. Even a modest contribution now will mean a lot more than a larger contribution when you’re in your 50s or later.

The truth is, you’ll never retire wealthy if you don’t start saving. Unfortunately, according to statistics, there are one in three Americans who have saved $0 for retirement. But interestingly enough, of those who are saving, a growing percentage are Millennials, especially in the 401k plan arena. 

If you started putting away $200 a month in a retirement account from age 22, within ten years you’d have savings of more than $37,000, assuming your investments grow 7% a year. In 20 years, you’d have more than $100,000, and by the time you reach age 67, your nest egg would be worth around $1 million.

Most financial planners will recommend investing 15% of your salary toward retirement. That may seem like an unrealistic goal for young people with other financial obligations. If you’re earning $30,000 a year, for example, that’s $375 a month. 

But with tax breaks associated with employer-sponsored retirement plans, plus a possible employer match, you can reduce your actual out-of-pocket contribution.  Even a smaller contribution will give you a serious head start on saving, so you’ll have a bigger stash that can grow for decades.

Some helpful tips:

Enroll in the 401(k)

Most major companies that offer 401(k) plans match a percentage of your contributions. Typically, these matches range from 25% to 100% of your contribution, up to 6% of your salary. 

Fund a Roth IRA

Many small employers don’t have the money or manpower to offer a 401(k) plan at all, let alone one with a company match. That means you have to create and manage your own retirement plan.

Pay off student loans 

Federal student loans have fixed and relatively low rates. Pay them off along with other debt you’ve accumulated. 

Resist cashing out 

When you leave a job, you have several options for your 401(k) plan. You can leave it with your former employer, roll it into an IRA, roll it into your new employer’s plan (if your employer permits such rollovers), or ask your former employer to cut you a check.

You may be tempted to choose the last option, but in most cases, that’s a bad idea. Your employer will withhold 20% of the amount withdrawn to cover income taxes. And because you’re under 55, you’ll also have to pay a 10% early-withdrawal penalty on the entire amount. 

Plus, you’re jettisoning any growth you’ve earned, which sends you back to square one when you start saving again.

With a little smarts and some sound financial strategies, you could retire with quite a large sum of money in your pocket. 



Material contained in this article is provided for information purposes only and is not intended to be used in connection with the evaluation of any investments offered by David Lerner Associates, Inc. This material does not constitute an offer or recommendation to buy or sell securities and should not be considered in connection with the purchase or sale of securities. 

To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. 

Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances.

These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable– we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

David Lerner Associates does not provide tax or legal advice. The information presented here is not specific to any individual’s personal circumstances. Member FINRA & SIPC.

About David Lerner Associates

Founded in 1976, David Lerner Associates is a privately-held broker/dealer with headquarters in Syosset, New York and branch offices in Westport, CT; Boca Raton, FL; Teaneck and Princeton, NJ; and White Plains, NY. For more information contact David Lerner Associates Call 516-921-4200

David Lerner Associates

477 Jericho Turnpike
Syosset, New York 11791
United States
800 367 3000
Source: http://newswire.net/newsroom/pr/00096835-retire-wealthy.html

Core Health Introduces New Treatment for Peripheral Neuropathy

(Newswire.net — June 20, 2017) Darien, CONNECTICUT — Peripheral Neuropathy is becoming a bigger problem for many Americans. Unfortunately most medications fail to alleviate the symptoms. Studies show a 30-50% improvement of symptoms at best for medications commonly prescribed such as gabapenten or lyrica. Gabapenten is an anti-seizure medication that also treats nerve pain. Watch out because it lists impaired thinking and reaction time as side effects. Be careful if you drive or do anything that requires you to be alert. Seems like pretty serious side effects for minimal improvement. When you have unrelenting nerve pain any relief is welcome.

So what can you do for your self if you have peripheral neuropathy? Well for one thing you can watch your sugar intake. Diabetics have a much greater chance of developing neuropathy if their blood levels of A1C is lower then 7%. Healthy blood sugar levels can greatly reduce your chances of having this dreadfully painful disease. Another way to reduce your chances of having neuropathy is to restrict alcohol intake. Alcohol is converted sugar, and sugar can destroy the covering on the nerves. Sadly, chemotherapy tends to destroy the nerves allowing cancer patients to be at added risk of developing neuropathy. You can afford to limit sugar and alcohol intake but you cannot limit chemotherapy.

The symptoms of peripheral neuropathy are such that you know when you have it. Numbness and tingling are relatively minor signs. Unrelenting pain in the feet and legs are the most common symptoms associated with neuropathy. You will know when you have it. There are some natural remedies for neuropathy that you should be aware of, especially because they have virtually no side effects. Capsaicin, made from super hot chili peppers is most often a topical cream applied to the painful areas. It is thought to reduce chronic neuropathic pain by making nerves insensitive to pain messages. This is surely worth a try. A study done at Wayne State University School of Medicine showed that Acetyl-l-Carnitine improves pain, nerve regeneration, and vibratory perception in patients with chronic diabetic neuropathy. The study found that 1000mg daily was most effective. L- Carnitine has no side effects and is water soluble. Dana Farber Cancer Institute recommends a dose of 100mg B6, and Vitamin B12 at 1000 mcg may to help with symptoms of neuropathy. These are all potentially helpful ways to deal with peripheral neuropathy.

We at Core Health have found that applying low level laser therapy to the affected areas of pain can also help greatly reduce the symptoms of neuropathy. The mechanism is one where the laser stimulates production of ATP at the mitochondrial level. Increased ATP allows for greater energy which in turn helps with regeneration of the myelin sheath. The demyelinization is believed to be the core issue causing neuropathy. The presence of chemotaxic agents and high levels of glucose cause demyelinization of peripheral nerves. We feel we may be able to help especially when medication fails to produce tangible results.

Core Health Darien

551 Post Road
Darien, CONNECTICUT 06820
United States
Source: http://newswire.net/newsroom/pr/00096832-peripheral-neuropathy.html