This Is My Town USA is now publishing articles from a variety of local small business owners who love to share their wisdom!
Thursday, October 31, 2013
Tuesday, July 10, 2012
Summer hiring rules for 100% Parent-owned Businesses
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| http://www.nelsonbookkeeping.net/ |
Here’s what we told our membership of 30,000 professional bookkeepers in our May update, The General_Ledger newsletter.
• Owners’ children of any age can work any number of hours or time of day. Those who are under 16 cannot do hazardous work (e.g., work with lawn mowers, sewing machines), work near flammable or hazardous materials or where food is cooked.
• If the only employees are immediate family, owners’ children need not be paid the minimum wage—but if others are regularly employed, even family must be paid minimum wage.
• Owners’ children under 21:
Wages are exempt from FUTA.
• Any children under 18:
If the business is 100% parent-owned, the children under 18 are exempt from FICA.
If not owners’ children, obtain an age certificate recognized by the DOL and your state Wage and Hour Division (WHD). DOL often accepts state age certificates, but ask your WHD to be sure. Return it to the worker at termination.
The workers may not do hazardous work.
• Workers aged 14-15 who are not owners’ children can work 8 hrs./day, 40 hrs./wk., June 1-Labor Day, between 7 a.m.-9 p.m. if school is not in session.
Exceptions: Limits do not apply to news carriers or children employed exclusively by a parent/sole proprietor. For agricultural jobs, contact the DOL.
• Other children under 14 cannot be hired unless they work for a parent/sole-owner.
Friday, April 6, 2012
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Thursday, March 29, 2012
Tax Tip - Itemize vs Standard Deduction
When you itemize deductions, you have the ability to deduct the actual dollar amount of individual deductions. Some of these deductions come in the form of mortgage interest, property taxes, medical expenses, and more. If you think that if you totaled up all of your allowed deductions and it would be greater than the standard deduction, it would probably be wise to itemize.
What Expenses Can be Itemized?
-Mortgage interest
-Charitable contributions
-Property taxes.
-State and local income taxes.-Medical expenses that exceed 7.5% of your adjusted gross income.
-Various miscellaneous expenses that exceed 2% of your income such as: union dues, tools and supplies needed for work, tax preparation fees, some legal fees, and many more.
Should You Itemize?There is no right or wrong answer, and it depends on your situation. To determine if itemizing would be valuable, you should take a look at Schedule A of Form 1040. On this sheet, you can list your itemized expenses, and then total them up to compare the amount to the standard deduction. If the itemized amount is greater, then you would want to itemize. If the total itemized amount is less than the standard deduction, you would not want to itemize.
The largest deductions for most people are mortgage interest and property taxes, and in these situations, even a modest mortgage can put you over the standard deduction limit. Since this can mean hundreds of dollars over the standard deduction, the tax savings can be significant.
Call us - Executive resources FSI - 530-888-6691
Missing Your W-2 Form?
If you do not receive your Form W-2, contact your employer to find out if and when the W-2 was mailed. If it was mailed, it may have been returned to your employer because of an incorrect address. After contacting your employer, allow a reasonable amount of time for your employer to resend or to issue the W-2.
If you still do not receive your W-2 by February 15th, contact the IRS for assistance at 1-800-829-1040. When you call, have the following information handy:
· the employer's name and complete address, including zip code, and the employer's telephone number;
· the employer's identification number (if known);
· your name and address, including zip code, Social Security number, and telephone number; and
· an estimate of the wages you earned, the federal income tax withheld, and the dates you began and ended employment.
If you misplaced your W-2, contact your employer. Your employer can replace the lost form with a "reissued statement." Be aware that your employer is allowed to charge you a fee for providing you with a new W-2.
You still must file your tax return on time even if you do not receive your Form W-2. If you cannot get a W-2 by the tax filing deadline, you may use Form 4852, Substitute for Form W-2, Wage and Tax Statement (available on the IRS website), but it will delay any refund due while the information is verified.
If you receive a corrected W-2 after your return is filed and the information it contains does not match the income or withheld tax that you reported on your return, you must file an amended return on Form 1040X, Amended U.S. Individual Income Tax Return.
If you have questions about your Forms W-2 and 1099 or any other tax-related materials, please call or email our office. Executive Resources FSI - 530-888-6691
Taxpayer Scams - Beware
Signals to watch for when you are dealing with an unscrupulous return preparer would include that they:
• Do not sign the return or place a Preparer Tax identification Number on it.
• Do not give you a copy of your tax return.
• Promise larger than normal tax refunds.
• Charge a percentage of the refund amount as preparation fee.
• Require you to split the refund to pay the preparation fee.
• Add forms to the return you have never filed before.
• Encourage you to place false information on your return, such as false income, expenses and/or credits.
The following are the "Dirty Doxen" of Tax Scams as listed by the IRS:
Identity Theft
Phishing
Return Preparer Fraud
Hiding Income Offshore
"Free Money" from the IRS and Social Security Tax Scams
False or Inflated Income and Expenses
False Form 1099 Refund Claims
Frivolous Arguments making outlandish Claims to avoid taxes
Falsely Claiming Zero Wages
Abuse of Charitable Organizations and Deductions
Disguised Corporate Ownership
Misuse of Trusts
Click on the link to the IRS article for full details
Read the complete article form the IRS at this link for more details - Don-t be a victim, Be Informed!
With your interest in mind, Executive Resources FSI - 530-888-6691
Medical and Dental Expenses and Your Taxes
You must itemize. You can deduct qualifying medical and dental expenses only if you itemize on Schedule A on form 1040.
The Deduction is limited. You can deduct total medical care expenses that exceed 7.5 percent of your adjusted gross income for the year.
The Expenses must have been paid in 2011. You can include medical and dental expenses you paid during the year, regardless of when the services were provided. Be sure to save your receipts and keep good records to substantiate your expenses.
You cannot deduct reimbursed expenses. Your total medical expenses for the year must be reduced by any reimbursement. Normally, it makes no difference if you receive the reimbursement or if it is paid directly to the doctor or hospital.
What expenses qualify. You may include qualified medical expenses you pay for yourself, your spouse and your dependents. Some exceptions and special rules apply to divorced or separated parents, taxpayers with a multiple support agreement, or those with a qualifying relative who is not your child.
You can deduct expenses primarily paid for the diagnosis, cure, mitigation, treatment or prevention of disease, or treatment affecting any structure or function of the body. For drugs, you can only deduct prescription medication and insulin. You can also include premiums for medical, dental and some long-term care insurance in your expenses. Starting in 2011, you can also include lactation supplies.
Some Transportation costs may qualify. You may deduct transportation costs primarily for and essential to medical care that qualifies as a medical expense, including fares for a taxi, bus, train, plane or ambulance as well as tolls and parking fees. If you use your car for medical transportation, you can deduct actual out-of-pocket expenses such as gas and oil, or you can deduct the standard mileage rate for medical expenses, which is 19 cents per mile for 201
Health Saving Plans for medical expenses. Distributions from Health Savings Accounts and withdrawals from Flexible Spending Arrangements may be tax free if used to pay qualified medical expenses including prescription medication and insulin.
When Can I Take the Child Tax Credit?
You may be able to take the Child Tax Credit if you have a qualifying chil under the age of 17. Here's what you need to know.
You may be able to reduce your federal income tax by up to $1,000 for each qualifying child under age 17. To qualify for this credit, the child must meet the qualifying criteria of seven tests: age, relationship, support, dependent, joint return, citizenship and residence.
Age test. To qualify, a child must have been under age 17 -- age 16 or younger -- at the end of 2011.
Relationship test. To claim a child for purposes of the Child Tax Credit, the child must be your son, daughter, stepchild, foster child, brother, sister, stepbrother, stepsister or a descendant of any of these individuals, which includes your grandchild, niece or nephew. An adopted child is always treated as your own child. An adopted child includes a child lawfully placed with you for legal adoption.
Support test. In order to claim a child for this credit, the child must not have provided more than half of his/her own support.
Dependent test. You must claim the child as a dependent on your federal tax return.
Joint return test. The qualifying child can not file a joint return for the year (or files it only as a claim for refund).
Citizenship test. To meet the citizenship test, the child must be a U.S. U.S. U.S.
Residence test. The child must have lived with you for more than half of 2011. There are some exceptions to the residence test, found in IRS Publication 972, Child Tax Credit.
There are limitations to be aware of - The credit is limited if your modified adjusted gross income is above a certain amount. The amount at which this phase-out begins varies by filing status. For married taxpayers filing a joint return, the phase-out begins at $110,000. For married taxpayers filing a separate return, it begins at $55,000. For all other taxpayers, the phase-out begins at $75,000. In addition, the Child Tax Credit is generally limited by the amount of the income tax and any alternative minimum tax you owe.
Additional Child Tax Credit. If the amount of your Child Tax Credit is greater than the amount of income tax you owe, you may be able to claim the Additional Child Tax Credit.
Questions about the child tax credit? Give us a call today.
Executive Resources FSI - 530-888-6691 Serving Auburn, CA and Placer County
Taxes You Can Deduct if You Itemize
There are four types of deductible non-business taxes:
Choose to claim a state and local tax deduction for either income or sales taxes on your return. You can deduct any estimated taxes paid to state or local governments and any prior year's state or local income tax as long as they were paid during the tax year.
If you are deducting sales taxes instead, you may deduct actual expenses or use the optional tables provided by the IRS to determine your deduction amount You will not have to save receipts if you use the tables..
Sales taxes paid on motor vehicles and boats may be added to the table amount, but only up to the amount paid at the general sales tax rate.
2. Real Estate Taxes
Deductible real estate taxes are usually any state, local, or foreign taxes on real property. If a portion of your monthly mortgage payment goes into an escrow account and your lender periodically pays your real estate taxes to local governments out of this account, you can deduct only the amount actually paid during the year to the taxing authorities. You will usually receive a statement from your lender with total taxes paid out.
3. Personal Property Taxes
Personal property taxes are deductible when they are based on the value of personal property, such as a boat or car. To be deductible, the tax must be charged to you on a yearly basis, even if it is collected more than once a year or less than once a year.
4. Foreign Income Taxes
Generally, you can take either a deduction or a tax credit for foreign income taxes, but not for taxes paid on income that is excluded from
For more information on non-business deductions for taxes, just give us a call.
Executive Resources FSI - 530-888-6691 - Serving Auburn, CA and Placer County.
When Is it Too Late to Make an IRA Contribution?
Haven't contributed funds to an Individual Retirement Arrangement for tax year 2011, or put in less than the maximum allowed?? You still have time to do so. You can contribute to either a traditional or Roth IRA until the April due date for filing your tax return for 2011, not including extensions.
Be sure to tell the IRA trustee that the contribution is for 2011. Otherwise, the trustee may report the contribution as being for 2012 when they get your funds.
Generally, you can contribute up to $5,000 of your earnings for 2011 or up to $6,000 if you are age 50 or older in 2011. You can fund a traditional IRA, a Roth IRA (if you qualify), or both, but your total contributions cannot be more than these amounts.
Note: IRA contribution limits remain the same in 2012 - $5,000, or $6,000 if age 50 or older.
Traditional IRA: You may be able to take a tax deduction for the contributions to a traditional IRA, depending on your income and whether you or your spouse, if filing jointly, are covered by an employer's pension plan.
Roth IRA: You cannot deduct Roth IRA contributions, but the earnings on a Roth IRA may be tax-free if you meet the conditions for a qualified distribution.
Each year, the IRS announces the cost of living adjustments and limitation for retirement savings plans. In 2011 and 2012, however, the contribution limits for defined benefit and defined contribution plans did not change as the Consumer Price Index did not meet the regulatory thresholds.
Saving for retirement should be part of everyone's financial plan and it's important to review your retirement goals every year in order to maximize savings. If you need help - give us a call.
Deborah Sandbank - Executive Resources FSI - 530-888-6691 Serving Auburn CA and All of Placer County.
What Are the Tax Deductions for Using a Car for Business?
Self-employed or an employee, if you use a car for business, you get the benefit of tax deductions.
There are two choices for claiming deductions:
1. Deduct the actual business-related costs of gas, oil, lubrication, repairs, tires, supplies, parking, tolls, drivers' salaries, and depreciation.
- Use the standard mileage deduction in 2012 and simply multiply 55.5 cents by the number of business miles traveled during the year. Your actual parking fees and tolls are deducted separately under this method.
Which Method Is Better?
For some taxpayers, using the standard mileage rate produces a larger deduction. Others fare better tax-wise by deducting actual expenses.
Tip: The actual cost method allows you to claim accelerated depreciation on your car, subject to limits and restrictions not discussed here.
The standard mileage amount includes an allowance for depreciation. Opting for the standard mileage method allows you to bypass certain limits and restrictions and is simpler-- but it's often less advantageous in dollar terms.
Caution: The standard rate may understate your costs, especially if you use the car 100% for business, or close to that percentage.
Generally, the standard mileage method benefits taxpayers who have less expensive cars or who travel a large number of business miles.
How to Make Tax Time Easier
Keep careful records of your travel expenses and record your mileage in a logbook. If you don't know the number of miles driven and the total amount you spent on the car, we won't be able to determine which of the two options is more advantageous for you.
Furthermore, the tax law requires that you keep travel expense records and that you give information on your return showing business versus personal use. If you use the actual cost method for your auto deductions, you must keep receipts.
Tip: Consider using a separate credit card for business, to simplify your recordkeeping.
Tip: You can also deduct the interest you pay to finance a business-use car if you're self-employed.
Note: Self-employed individuals and employees who use their cars for business can deduct auto expenses if they either (1) don't get reimbursed, or (2) are reimbursed under an employer's "non-accountable" reimbursement plan. In the case of employees, expenses are deductible to the extent that auto expenses (together with other "miscellaneous itemized deductions") exceed 2% of adjusted gross income.
We will help you determine the best deduction method for your business-use car. Let us know if you have any questions about which records you need to keep.
7 Common Small Business Misconceptions about Taxes
One of the biggest hurdles you'll face owning your own business is staying knowledgable about your numerous obligations under the federal, state, and local tax agencies. Tax codes are always changing.
The adage, "ignorance of the law is no excuse" is most often applied in tax settings and it is safe to assume that a tax auditor presenting an assessment of additional taxes, penalties, and interest will not look kindly on an "I didn't know I was required to do that" claim. It is important to note, it is surprising how many small businesses actually overpay their taxes, neglecting to take deductions they're legally entitled to that can help them lower their tax bill.
Preparing your taxes and strategizing as to how to keep more of your hard-earned dollars in your pocket becomes increasingly difficult with each passing year. Your best course of action to save time, frustration, money, and an auditor knocking on your door, is to have a professional accountant handle your taxes.
When it comes to tax planning for small businesses, the complexity of tax law generates a lot of folklore and misinformation that also leads to costly mistakes. With that in mind, here is a look at some of the more common small business tax misperceptions.
1. Are All Start-Up Costs Immediately Deductible?
Business start-up costs refer to expenses incurred before you actually begin operating your business. Business start-up costs include both start up and organizational costs and vary depending on the type of business. Examples of these types of costs include advertising, travel, surveys, and training. These start up and organizational costs are generally called capital expenditures.
Costs for a particular asset (such as machinery or office equipment) are recovered through depreciation or Section 179 expensing. When you start a business, you can elect to deduct or amortize certain business start-up costs.
For tax years beginning in 2010, you can elect to deduct up to $10,000 of business start-up costs paid or incurred after 2009. The $10,000 deduction is reduced (but not below zero) by the amount such start-up costs exceed $60,000. Any remaining costs must be amortized.
2. Does Overpaying The IRS Make Me "Audit Proof"?
The IRS doesn't care if you pay the right amount of taxes or overpay your taxes. They do care if you pay less than you owe and you can't substantiate your deductions. Even if you overpay in one area, the IRS will still hit you with interest and penalties if you underpay in another. It is never a good idea to knowingly or unknowingly overpay the IRS. The best way to "Audit Proof" yourself is to properly document your expenses and make sure you are getting good advice from your tax accountant.
3. If I incorporate, can I take more deductions?
Self-employed individuals (sole proprietors and S Corps) qualify for many of the same deductions that incorporated businesses do, and for many small businesses, being incorporated is an unnecessary expense and burden. Start-ups can spend thousands of dollars in legal and accounting fees to set up a corporation, only to discover soon thereafter that they need to change their name or move the company in a different direction. In addition, plenty of small business owners who incorporate don't make money for the first few years and find themselves saddled with minimum corporate tax payments and no income.
4. Is claiming the home office deduction a red flag for an audit?
While it used to be a red flag, this is no longer true--as long as you keep excellent records that satisfy IRS requirements. Because of the proliferation of home offices, tax officials cannot possibly audit all tax returns containing the home office deduction. In other words, there is no need to fear an audit just because you take the home office deduction. A high deduction-to-income ratio however, may raise a red flag and lead to an audit.
5. If I don't take the home office deduction, are business expenses deductible?
You are still eligible to take deductions for business supplies, business-related phone bills, travel expenses, printing, wages paid to employees or contract workers, depreciation of equipment used for your business, and other expenses related to running a home-based business, whether or not you take the home office deduction.
6. If I request an extension on my taxes does that give me an extension to pay taxes?
Extensions enable you to extend your filing date only. Penalties and interest begin accruing from the date your taxes are due.
7. If I am a part-time business owner, can I set up a self-employed pension?
If you start up a company while you have a salaried position complete with a 401K plan, you can still set up a SEP-IRA for your business and take the deduction.
A tax headache is only one mistake away, be it a missed payment or filing deadline, an improperly claimed deduction, or incomplete records and understanding how the tax system works is beneficial to any business owner, whether you run a small to medium sized business or are a sole proprietor.
And, even if you delegate the tax preparation to someone else, you are still liable for the accuracy of your tax returns. If you have any questions, don't hesitate to give us a call today. We're here to assist you. Executive Resources FSI - 530-888-6691 - Serving Auburn CA and Placer County.
How Can Children Lower Taxes - 8 ways?
Got kids? They may have an impact on your tax situation. Here are the top 8 things to consider if you have children.
1. Dependents: In most cases, a child can be claimed as a dependent in the year they were born. Be sure to let us know if your family increased this year and we'll take a look at whether you can claim the child as a dependent this year.
2. Child Tax Credit: You may be able to take this credit on your tax return for each of your children under age 17. If you do not benefit from the full amount of the Child Tax Credit, you may be eligible for the Additional Child Tax Credit. The Additional Child Tax Credit is a refundable credit and may give you a refund even if you do not owe any tax.
3. Child and Dependent Care Credit: You may be able to claim this credit if you pay someone to care for your child under age 13 so that you can work or look for work. Be sure to keep track of your child care expenses so we can claim this credit accurately.
4. Earned Income Tax Credit (EITC): The EITC is a benefit for certain people who work and have earned income from wages, self-employment, or farming. EITC reduces the amount of tax you owe and may also give you a refund.
5. Adoption Credit: You may be able to take a tax credit for qualifying expenses paid to adopt a child.
6. Coverdell Education Savings Account: This savings account is used to pay qualified expenses at an eligible educational institution. Contributions are not deductible; however, qualified distributions generally are tax-free.
7. Higher Education Credits: Education tax credits can help offset the costs of education. The American Opportunity and the Lifetime Learning Credit are education credits that reduce your federal income tax dollar for dollar, unlike a deduction, which reduces your taxable income.
8. Student Loan Interest: You may be able to deduct interest you pay on a qualified student loan. The deduction is claimed as an adjustment to income so you do not need to itemize your deductions.
As you can see, children can have an impact on your tax profile. If you're a parent, we'll go over your situation with you to make sure you're getting the credits and deductions you're entitled to.
Do you have more question? Are you maximizing your deductions? Give us a call for all your Bookkeeping and Tax Preparation Needs! Serving Auburn and Placer County.
Executive Resources FSI Deborah Sandbank - 530-888.6691 Auburn, Ca
Friday, December 9, 2011
Add New Traditions to Your Holidays
By Ashlei Jackson, Qlixite
The holidays are centered around tradition! Everyone has that time-honored activity or item that reminds them of childhood memories of Christmas or Hanukkah or Kwanza...or however you celebrate - these traditions make this ‘Wonderful Time of the Year” special and give meaning to the holidays. Thinking of adding a new tradition this year? Here are some various traditions that can add to your festive season!
• The Christmas Pickle - The exact country of origin for putting a pickle ornament on your tree is fairly unknown but visit any ornament section of the store and you’re bound to find a pickle ornament! The Tradition: The ornament is hidden on the tree on Christmas Eve. On Christmas morning, all of the children in the house take turns looking for the pickle ornament and the child who finds the Christmas pickle receives an extra present for his or her good work.
• Caroling - Also called a noel, song or hymn - the act of groups of people singing outside in the wintertime goes back to the Middle Ages making them some of the oldest musical compositions still regularly sung. The Tradition: Whether you physically go sing in a choir or caroling group - include singing as a family (not just listening) to your regular holiday activities to add an uplifting note.
• Hang Holly - To the Irish Celtics, holly represented both life and rebirth; the evergreen leaves symbolized life during a time when all else was bare and the red berries represented the coming of Spring. The Tradition: Add Holly to your home to welcome in the New Year and remind you of hope.
• Light a Rememberance Candle on the Winter Solstice - The Winter Solstice is the day of the year when the position of the earth in respect to the sun results in the shortest period of daylight hours. It became very important for many cultures to ‘remind’ people that the light would ‘return.’ The Tradition: On the evening of the Winter Solstice, sit in a darkened area and each person take turns lighting a candle. Whether you choose to light candles to symbolize those people who may have passed away or choose to have the candles represent goals is up to you. Leave the candles lit until bedtime, then use a lid to extinguish the flames instead of blowing them out which would blow away the good ‘luck’ or ‘memories.’
• Stocking Buttons - Children often go through minor depression the day you take down all decorations. The Tradition: On the chosen day of clean up, at dinner, a small box is set next to the dinner plate of each person. Inside is a button that relates to the person/child. After dinner each person sews the button on their stocking which then gets packed away. This special activity makes cleaning up a positive event.
• The Higher Gift Box - This is one of my own traditions that I am starting. Every year the term ‘Wish List’ turns into practically an epic quest; find the perfect gift. This year the higher gift box is making us think beyond ourselves all year long. The Tradition: Buy or make a small box. Place it somewhere high on the tree or mantle where it can be easily seen but ‘out of reach’. On a specific day, like Christmas Eve, retrieve the box and have each person write down a ‘gift’ they plan to give in the coming year on a piece of paper - the gift can be to your family, community, God, the world - anyone! But it cannot be something bought with money and forgotten. Put all of the papers in the box and store away. The following Christmas, whether privately or as a family discuss your gifts, whether they were achieved and how important giving is to this time of year.
• The Christmas Pickle - The exact country of origin for putting a pickle ornament on your tree is fairly unknown but visit any ornament section of the store and you’re bound to find a pickle ornament! The Tradition: The ornament is hidden on the tree on Christmas Eve. On Christmas morning, all of the children in the house take turns looking for the pickle ornament and the child who finds the Christmas pickle receives an extra present for his or her good work.
• Caroling - Also called a noel, song or hymn - the act of groups of people singing outside in the wintertime goes back to the Middle Ages making them some of the oldest musical compositions still regularly sung. The Tradition: Whether you physically go sing in a choir or caroling group - include singing as a family (not just listening) to your regular holiday activities to add an uplifting note.
• Light a Rememberance Candle on the Winter Solstice - The Winter Solstice is the day of the year when the position of the earth in respect to the sun results in the shortest period of daylight hours. It became very important for many cultures to ‘remind’ people that the light would ‘return.’ The Tradition: On the evening of the Winter Solstice, sit in a darkened area and each person take turns lighting a candle. Whether you choose to light candles to symbolize those people who may have passed away or choose to have the candles represent goals is up to you. Leave the candles lit until bedtime, then use a lid to extinguish the flames instead of blowing them out which would blow away the good ‘luck’ or ‘memories.’
• Stocking Buttons - Children often go through minor depression the day you take down all decorations. The Tradition: On the chosen day of clean up, at dinner, a small box is set next to the dinner plate of each person. Inside is a button that relates to the person/child. After dinner each person sews the button on their stocking which then gets packed away. This special activity makes cleaning up a positive event.
• The Higher Gift Box - This is one of my own traditions that I am starting. Every year the term ‘Wish List’ turns into practically an epic quest; find the perfect gift. This year the higher gift box is making us think beyond ourselves all year long. The Tradition: Buy or make a small box. Place it somewhere high on the tree or mantle where it can be easily seen but ‘out of reach’. On a specific day, like Christmas Eve, retrieve the box and have each person write down a ‘gift’ they plan to give in the coming year on a piece of paper - the gift can be to your family, community, God, the world - anyone! But it cannot be something bought with money and forgotten. Put all of the papers in the box and store away. The following Christmas, whether privately or as a family discuss your gifts, whether they were achieved and how important giving is to this time of year.
3 Ingredients for Younger Looking Skin
By Rhaina Butler, Just Be Beautiful
The three most concerning area's were
1. Crows Feet/Wrinkling. Secret Ingredient: PEPTIDES
PCA Skin Care ExLinea™ Peptide There are many different peptides on the market that perform different functions in the skin. The peptide in ExLinea™, acetyl hexapeptide-3, is specifically targeted for relaxing facial tension that can cause facial wrinkling while reducing the depth of existing lines. ExLinea™ also incorporates hyaluronic acid to increase the skin’s moisture binding ability.
PCA Skin Care eyeXcellence This triple-action eye cream reduces puffiness, dark circles and wrinkles around the eye area. Its combination of three peptides increases collagen production, capillary function and circulation to leave the eye area smooth, even and bright. Moisturizing properties leave skin healthy and hydrated.
PCA Skin Care peptide lip therapy This scientifically advanced formula helps plump lips while improving overall lip health and appearance. It enhances barrier protection to shield lips from damaging free radicals, helps rebuild the collagen matrix for increased strength and resiliency, and boosts moisture retention and accumulation for maximum hydration.
2. Age Spots. Secret Ingredient: AZELAIC ACIDS
PCA SKIN CARE TCA PEELS
Trichloroacetic acid (TCA) peels are often thought of as very aggressive and producing substantial discomfort. PCA Professional™ TCA peels are very different from the standard. Our TCA solutions are blends formulated with many ingredients including lactic acid, ascorbic acid (vitamin C), plumping phytohormones and kojic and azelaic acids to produce dramatic results without the discomfort and downtime associated with traditional TCA peels.
3. Scaly Dry Skin. Secret Ingredient: ALPHA HYDROXY ACIDS (AHA)
PCA Skin Care Facial Wash
This refreshing, skin-friendly AHA and aloe gel cleanser gently and effectively removes makeup and environmental impurities while leaving the skin supple and pH balanced. It soothes skin and loosens impacted cells to smooth surface texture.
PCA Skin Care Nutrient Toner
This formulation of vitamins, amino acids, enzymes and alpha hydroxy acids helps refine pores, remove superficial dead skin cells and provide added nutrients. It is recommended for all skin types and conditions. Pumpkin is the source for many of the important ingredients.
PCA Peels Enhanced Jessner's Treatments
This peel is ideal for more sensitive skin types, ethnic skin and/or those allergic to hydroquinone. This treatment will help unclog pores, clear acne and rejuvenate the skin. With its blend of alpha and beta hydroxy acids and brighteners, it is also an excellent choice for maintaining even pigmentation and correcting pigment discolorations for those with hydroquinone sensitivities.
Ask your skin care professional to create a customized treatment plan that will address your personal skin care needs.
The three most concerning area's were
1. Crows Feet/Wrinkling. Secret Ingredient: PEPTIDES
PCA Skin Care ExLinea™ Peptide There are many different peptides on the market that perform different functions in the skin. The peptide in ExLinea™, acetyl hexapeptide-3, is specifically targeted for relaxing facial tension that can cause facial wrinkling while reducing the depth of existing lines. ExLinea™ also incorporates hyaluronic acid to increase the skin’s moisture binding ability.
PCA Skin Care peptide lip therapy This scientifically advanced formula helps plump lips while improving overall lip health and appearance. It enhances barrier protection to shield lips from damaging free radicals, helps rebuild the collagen matrix for increased strength and resiliency, and boosts moisture retention and accumulation for maximum hydration.
2. Age Spots. Secret Ingredient: AZELAIC ACIDS
PCA SKIN CARE TCA PEELS
Trichloroacetic acid (TCA) peels are often thought of as very aggressive and producing substantial discomfort. PCA Professional™ TCA peels are very different from the standard. Our TCA solutions are blends formulated with many ingredients including lactic acid, ascorbic acid (vitamin C), plumping phytohormones and kojic and azelaic acids to produce dramatic results without the discomfort and downtime associated with traditional TCA peels.
3. Scaly Dry Skin. Secret Ingredient: ALPHA HYDROXY ACIDS (AHA)
PCA Skin Care Facial Wash
This refreshing, skin-friendly AHA and aloe gel cleanser gently and effectively removes makeup and environmental impurities while leaving the skin supple and pH balanced. It soothes skin and loosens impacted cells to smooth surface texture.
PCA Skin Care Nutrient Toner
This formulation of vitamins, amino acids, enzymes and alpha hydroxy acids helps refine pores, remove superficial dead skin cells and provide added nutrients. It is recommended for all skin types and conditions. Pumpkin is the source for many of the important ingredients.
PCA Peels Enhanced Jessner's Treatments
This peel is ideal for more sensitive skin types, ethnic skin and/or those allergic to hydroquinone. This treatment will help unclog pores, clear acne and rejuvenate the skin. With its blend of alpha and beta hydroxy acids and brighteners, it is also an excellent choice for maintaining even pigmentation and correcting pigment discolorations for those with hydroquinone sensitivities.
Ask your skin care professional to create a customized treatment plan that will address your personal skin care needs.
Straigt Answers on Scoliosis & Spine Health
By Dr. Randall Hensley, D.C., Hensley ChiropracticIt's likely your first and only exposure to this term was during a junior high scoliosis screening. As such this musculoskeletal condition is frequently surrounded by confusion, questions, and fear. The following points are offered to settle your nerves regarding this diagnosis.
What is it?
From the Greek “skolios” for twisted or crooked, the term “scoliosis” describes any functional or structural tilting or sideways curvature of the spine. The human spine should have three curves front to back as looking from the side but when looking straight at a mirror, there should be no sideways curvature or asymmetry.
What causes it?
Measured in degrees of curvature, scoliosis can be “structural” such as a curve caused by a malformed vertebrae or “nonstructural” as in a compensatory curve due to a muscle spasm caused by a nerve irritated by a disc herniation. Although there are 7 different classifications of spinal curves and 8 different types of “structural scoliosis” the “idiopathic structural” form of scoliosis is by far the most common and most frustrating because “idiopathic” means “unknown cause”. There is a strong hereditary and female predilection. Scoliosis is usually progressive during adolescent growth spurts and later as degenerative changes remodel the spine.
What are the signs and symptoms?
Very often scoliosis is totally asymptomatic until severe. A chiropractor or other health professional trained in screening for scoliosis will look for differences in shoulder or hip height, lateral deviation of the head or shoulders, rib-cage deformity, muscular imbalances, etc. In additional to the visual and orthopedic examination, the gold standard for curvature diagnosis is a weight-bearing standing x-ray of the full spine.
How much curve is too much curve?
Two main questions arise from a positive scoliosis exam. How curved is it and is it getting worse? The second of these questions is very significant because it is the driving force behind the selected treatment and timeline.
How is it treated?
The ideal goal of treatment begins with a correct and early diagnosis. Secondly, one must identify and eliminate any subtle cause or modifiable contributing factors such as poor postural habits, structural imbalance, asymmetrical foot pronation, etc. Although some debate exists regarding the efficacy of certain treatments, options range from simply watching for progression, corrective postural exercises, chiropractic adjustments, palliative symptom care, corrective orthotics, full spine bracing, traction, and invasive spinal surgery.
What to do:
Parents, please be observant of your child's posture, be pro-active in requesting a spinal exam from your health care providers, and do all you can in minimizing the consequences of this potentially life-altering condition.
From the Greek “skolios” for twisted or crooked, the term “scoliosis” describes any functional or structural tilting or sideways curvature of the spine. The human spine should have three curves front to back as looking from the side but when looking straight at a mirror, there should be no sideways curvature or asymmetry.
What causes it?
Measured in degrees of curvature, scoliosis can be “structural” such as a curve caused by a malformed vertebrae or “nonstructural” as in a compensatory curve due to a muscle spasm caused by a nerve irritated by a disc herniation. Although there are 7 different classifications of spinal curves and 8 different types of “structural scoliosis” the “idiopathic structural” form of scoliosis is by far the most common and most frustrating because “idiopathic” means “unknown cause”. There is a strong hereditary and female predilection. Scoliosis is usually progressive during adolescent growth spurts and later as degenerative changes remodel the spine.
What are the signs and symptoms?
Very often scoliosis is totally asymptomatic until severe. A chiropractor or other health professional trained in screening for scoliosis will look for differences in shoulder or hip height, lateral deviation of the head or shoulders, rib-cage deformity, muscular imbalances, etc. In additional to the visual and orthopedic examination, the gold standard for curvature diagnosis is a weight-bearing standing x-ray of the full spine.
How much curve is too much curve?
Two main questions arise from a positive scoliosis exam. How curved is it and is it getting worse? The second of these questions is very significant because it is the driving force behind the selected treatment and timeline.
How is it treated?
The ideal goal of treatment begins with a correct and early diagnosis. Secondly, one must identify and eliminate any subtle cause or modifiable contributing factors such as poor postural habits, structural imbalance, asymmetrical foot pronation, etc. Although some debate exists regarding the efficacy of certain treatments, options range from simply watching for progression, corrective postural exercises, chiropractic adjustments, palliative symptom care, corrective orthotics, full spine bracing, traction, and invasive spinal surgery.
What to do:
Parents, please be observant of your child's posture, be pro-active in requesting a spinal exam from your health care providers, and do all you can in minimizing the consequences of this potentially life-altering condition.
Sleep - It's Good For Your Health!
By Dr. Randall Hensley, D.C., Hensley Chiropractic
Do you sleep like a baby?...awake every two hours, hungry and needing to use the bathroom? Or are you blessed with the ability to fall asleep the minute your head hits the pillow, sleep all night, and wake up feeling refreshed and ready to go? If you are in the later group, good for you. And I mean, good for you! Sleep is very important in maintaining your health and recovering from illness. Sleep allows your body the down time it needs to replenish, rebuild, and remove stress from your systems. If you are not sleeping well consider the following recommendations for a good night's rest. Remember everyone's sleep solutions differ so finding your perfect remedy is unique to you. Try one or all of them!
In addition to the typical remedies such as avoiding caffeine, sipping chamomile tea, or counting sheep, there are many other factors that can affect your sleep quality and duration. For example having a mattress and pillow that suits your particular preference is very important. If you wake up less than “bright-eyed and bushy-tailed” check your bed. As a rule of thumb if you sleep better at a hotel, your in-laws, or when camping...it's likely your bed. You should also be sure to go to bed and wake up at the same time, even on weekends. This builds consistency in your sleep-wake cycle. This “circadian rhythm” is set by your pituitary gland deep in your brain and is triggered by light entering your eyes. Therefore, be sure to sleep in a dark room and then let bright light or better yet let sunshine greet you in the morning.
Other hints include:
Overall, once you find your “perfect” combination of bedding, environment, preparation, timing, mental attitude toward sleep, and professional help, be consistent and don't give up. Soon that biological clock will chime in rhythm with the clock on the nightstand. Sweet dreams and sleep well.
Do you sleep like a baby?...awake every two hours, hungry and needing to use the bathroom? Or are you blessed with the ability to fall asleep the minute your head hits the pillow, sleep all night, and wake up feeling refreshed and ready to go? If you are in the later group, good for you. And I mean, good for you! Sleep is very important in maintaining your health and recovering from illness. Sleep allows your body the down time it needs to replenish, rebuild, and remove stress from your systems. If you are not sleeping well consider the following recommendations for a good night's rest. Remember everyone's sleep solutions differ so finding your perfect remedy is unique to you. Try one or all of them!
In addition to the typical remedies such as avoiding caffeine, sipping chamomile tea, or counting sheep, there are many other factors that can affect your sleep quality and duration. For example having a mattress and pillow that suits your particular preference is very important. If you wake up less than “bright-eyed and bushy-tailed” check your bed. As a rule of thumb if you sleep better at a hotel, your in-laws, or when camping...it's likely your bed. You should also be sure to go to bed and wake up at the same time, even on weekends. This builds consistency in your sleep-wake cycle. This “circadian rhythm” is set by your pituitary gland deep in your brain and is triggered by light entering your eyes. Therefore, be sure to sleep in a dark room and then let bright light or better yet let sunshine greet you in the morning.
Other hints include:
- making your room colder and avoiding hot baths just prior to retiring. (for some overheating the body delays sleep),
- take a daily “power nap” for 20 minutes just after lunch,
- participate in moderate exercise earlier in the day to promote physical tiredness,
- eat healthy, drink plenty of water, cut back on late night snacks such as ice cream,
- don't play video games or watch overly stimulating or stressful television (news/horror/etc),
- quit smoking, and don't drink alcohol before bed.
- use a “white-noise” machine to block out sleep-disturbing noises.
- Always try to find ways to lower your emotional stress and learn the not-so-simple act of relaxing.
- If your brain is racing, keep a paper and pen next to your bed to write down those “must-remember-to-do-tomorrow” notes or “must-not-forget-brilliant-ideas” so your subconscious brain can rest easy.
Overall, once you find your “perfect” combination of bedding, environment, preparation, timing, mental attitude toward sleep, and professional help, be consistent and don't give up. Soon that biological clock will chime in rhythm with the clock on the nightstand. Sweet dreams and sleep well.
B.A.C.K. To School Spine Health
By Dr. Randall Hensley, D.C., Hensley Chiropractic
No matter what time of year... don't forget these simple rules to help your children enjoy their school year on a healthy note.
B Backpacks: To protect the spines of your young scholars, don't let them carry more than 10-15% of their body weight in their school back pack. Try to lighten the load by removing extra water bottles or excessive blank paper. You can also get an extra book to keep at home. Lastly, and most importantly, make sure the pack fits their body and your child wears it at or above their belt line. (Parents, I know this may not be the cool way to wear backpacks so consider permanently shortening the shoulder strap by cutting off the extra length.)
A Adjust your child's posture to promote a tall, upright spine, maintaining the curve in the lower back, and avoiding twisting or slouching. (Teachers: Please do not arrange your rooms in clusters or squares where half of the children are facing the back or side walls. This will force the students to twist their spine or neck to see you at the front.)
C Check your children's spine for “Scoliosis”. This sideways curvature of the spine is more common in developing girls but can affect boys and kids of all ages. Have your chiropractor check each of your children's spines. Most will do this brief scan for free. Early detection is key.
K Keep nagging your children, especially teenagers to stand tall, exercise, stretch, and eat healthy. Poor posture at the computer, video game, or desk can develop bad habits that are hard to break, lead to tension headaches, back pain, and early degenerative disease.
Enjoy and stay healthy.
No matter what time of year... don't forget these simple rules to help your children enjoy their school year on a healthy note.
B Backpacks: To protect the spines of your young scholars, don't let them carry more than 10-15% of their body weight in their school back pack. Try to lighten the load by removing extra water bottles or excessive blank paper. You can also get an extra book to keep at home. Lastly, and most importantly, make sure the pack fits their body and your child wears it at or above their belt line. (Parents, I know this may not be the cool way to wear backpacks so consider permanently shortening the shoulder strap by cutting off the extra length.)
A Adjust your child's posture to promote a tall, upright spine, maintaining the curve in the lower back, and avoiding twisting or slouching. (Teachers: Please do not arrange your rooms in clusters or squares where half of the children are facing the back or side walls. This will force the students to twist their spine or neck to see you at the front.)
C Check your children's spine for “Scoliosis”. This sideways curvature of the spine is more common in developing girls but can affect boys and kids of all ages. Have your chiropractor check each of your children's spines. Most will do this brief scan for free. Early detection is key.
K Keep nagging your children, especially teenagers to stand tall, exercise, stretch, and eat healthy. Poor posture at the computer, video game, or desk can develop bad habits that are hard to break, lead to tension headaches, back pain, and early degenerative disease.
Enjoy and stay healthy.
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