I have been telling my kids to load up on the Vitamin C for some time to help build antibodies. Check out this video.
Small things you have control over.
Well Being
Checking for Breast Cancer
Why is it important to check for breast cancer?
Staying healthy is important as you start your life in a new country. That’s why it is a good idea for women to get checked, or screened, for breast cancer. Cancer of the breast is the most common cancer in women living in Canada, and one in nine women will develop breast cancer in her lifetime. Each year, about 9,500 Ontario women will be diagnosed with breast cancer and almost 2,000 will die from this disease.
Screening tests can find breast cancer before you have signs or symptoms. If breast cancer is found early, when it is very small, there is a good chance of treating it successfully.
Who should be screened for breast cancer?
More than 80% of breast cancers are found in women over age 50. Therefore, in Ontario it is recommended that women between the ages of 50 to 74 get screened for breast cancer by having a mammogram every two years.
Some women may have a high risk for breast cancer because of their family or personal medical history. These women should have a mammogram and an MRI (magnetic resonance imaging) once a year if they are between the ages of 30 and 69. If you think you may be at high risk for breast cancer, ask your doctor whether you need high risk screening.
What is a mammogram?
A mammogram is a low-dose breast X-ray. It can find breast changes even when they are too small to feel or see. Most women will have normal mammogram results.
While mammograms are the best way to screen for breast cancer, there are limitations. Your doctor can answer any questions you might have.
How can I make a mammogram appointment?
You can make an appointment or ask your doctor to make an appointment at the breast screening clinic in your community. Mammograms are free for residents who have the Ontario Health Insurance Plan (OHIP). They are also free for women without OHIP who have an average risk (as opposed to high risk) of getting breast cancer. If you do not have OHIP coverage, speak to your local community health centre.
Why do some women get a letter about breast cancer screening?
Breast cancer screening is so important that Cancer Care Ontario, an agency of the Ontario Ministry of Health and Long-Term Care, sends letters to eligible women to invite them to have a mammogram. Women also get letters that tell them their screening results and remind them when it is time to return for screening. It is your choice to be screened or not.
For More Information
- Breast Cancer Screening (multilingual) – Information in many languages on how to get screened for breast cancer. From the Ministry of Health and Long-Term Care.
- Breast Cancer Screening – Videos, resources and information on breast cancer screening. From the Ministry of Health and Long-Term Care.
- Cancer Screening Program – Information on breast cancer, cervical cancer and colorectal cancer screening. From the Ministry of Health and Long-Term Care.
- Breast Cancer: Myths and Facts – Information on common misconceptions about breast cancer. From Alberta Health Services.
- How can I find a family doctor? – This article lists different ways to search for a family doctor.
- Where can I get health care if I don’t have OHIP? – Information on getting health services if you don’t have OHIP.
- My CancerIQ – An online tool that provides information about your risk for breast, cervical, colorectal and lung cancer. From Cancer Care Ontario.
excerpts from https://settlement.org/ontario/health/nutrition-and-healthy-living
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Did you know? A Cup of Java!
Caffeine Uses, Side Effects, Interactions and Dosing….
Overview Information
Caffeine is a chemical found in coffee, tea, cola, guarana, mate, and other products.
Caffeine is most commonly used to improve mental alertness, but it has many other uses. Caffeine is used by mouth or rectally in combination with painkillers (such as aspirin and acetaminophen) and a chemical called ergotamine for treating migraine headaches. It is also used with painkillers for simple headaches and preventing and treating headaches after epidural anesthesia.
Some people use caffeine by mouth for asthma, gallbladder disease, attention deficit-hyperactivity disorder (ADHD), obsessive-compulsive disorder (OCD), low oxygen levels in the blood due to exercise, Parkinson’s disease, memory, cramping, liver cirrhosis, Hepatitis C, stroke, recovery after surgery, decreasing pain, muscle soreness from exercise, age-related mental impairment, shortness of breath in newborns, and low blood pressure. Caffeine is also used for weight loss and type 2 diabetes. Very high doses are used, often in combination with ephedrine, as an alternative to illegal stimulants.
Caffeine is one of the most commonly used stimulants among athletes. Taking caffeine, within limits, is allowed by the National Collegiate Athletic Association (NCAA). Urine concentrations over 15 mcg/mL are prohibited. It takes most people about 8 cups of coffee providing 100 mg/cup to reach this urine concentration.
Some caffeine products are sold in very concentrated or pure forms. These products are a health concern. People can easily use these products in doses that are much too high by mistake. This can lead to death. As of 2018, the U.S. Food and Drug Administration (FDA) considers it unlawful for these products to be sold to consumers in bulk.
Caffeine creams are applied to the skin to reduce redness and itching in dermatitis.
Healthcare providers sometimes give caffeine intravenously (by IV) for headache after epidural anesthesia, breathing problems in newborns, and to increase urine flow.
In foods, caffeine is used as an ingredient in soft drinks, energy drinks, and other beverages.
People with voice disorders, singers, and other voice professionals are often advised against using caffeine. However, until recently, this recommendation was based only on hearsay. Now developing research seems to indicate that caffeine may actually harm voice quality. But further study is necessary to confirm these early findings.
READ MORE caffeine
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Chemical found in toothpaste, soap may double women’s chances of osteoporosis
https://nypost.com/2019/06/25/chemical-found-in-toothpaste-soap-may-double-womens-chances-of-osteoporosis/?utm_source=email_sitebuttons&utm_medium=site%20buttons&utm_campaign=site%20buttons
WELLNESS
Self-employed? Here?s how to manage your taxes
By Renée Sylvestre-Williams
A better understanding of how you’re taxed will make it easier to estimate how much tax you’ll pay, and reduce the chances of a surprise at tax time.
If you’re self-employed, tax time can be a source of real anxiety. Varying income from your business can mean varying tax rates, and it can quickly get confusing and unexpectedly expensive.
So what can you do to prepare for tax season?
The solution is to have a good sense of how much tax you’ll owe ahead of time. Here’s how you can build some predictability into your tax bill and be better prepared each spring.
What’s the difference between marginal and average tax rates?
Many people think the secret to knowing how much tax to pay is knowing your marginal tax rate. (See the furor in the United States over Alexandria Ocasio-Cortez’s proposed tax on those who earn over $10 million US.) As a result, they tend to use that as their tax rate and end up overpaying.
“Keep in mind, knowing your marginal tax rate doesn’t help you very much in figuring out how much you actually owe,” says Alexandra Macqueen, a Toronto-based certified financial planner. The marginal tax rate is really about the additional taxes you may owe if your income has changed.
“The classic explanation is that the marginal rate is what you’ll pay on the next dollar of income you earn,” says Macqueen. “For example, if you earned $100,000 and you wanted to know what you would pay if you earned $100,001, then your marginal rate would help.”
In reality, your average tax rate can be a better indicator. Here’s why: Rather than paying tax at the same rate for all your income, you pay different rates for different chunks of it. Here’s a greatly simplified example. At the federal level you might pay roughly 15% on the first $50,000 of income, 20% on the next $50,000, 26% on the $50,000 after that, and so on. To calculate your average tax rate, take the total amount you pay for all the chunks of your income and divide it by your total income. Continuing with our example, if your income was $125,000, you would pay $24,000 before deductions and credits. That’s 15% of $50K ($7,500) + 20% of $50K ($10,000) + 26% of $25K ($6,500) = $24,000. That means that while your marginal tax rate might be 26%, your average rate would only be 19.20% ($24,000 / $125,000 x 100).
Work with a financial professional to get a solid estimate
If you’ve never calculated your average tax rate before, consider seeking out a financial professional such as an accountant. With professional help, you can optimize your taxes for the current year and set yourself up for success in the future.
For the current year, accountants can figure out what you’ve earned, plus identify any tax credits and deductions you may claim. Once they are done with the current year, they can calculate your average earnings and your average tax rate. That will give you a baseline to work from for next year.
What to do if your income has changed drastically
If you made the same gross income as the previous year, you can use that as a guideline to figure out how much you’ll have to pay this year. This doesn’t take into account your business deductions, dividends, RRSP contributions and so on, but it will give you an estimate that you can use to put away money in your tax account.
If you made more money than last year, you can use your marginal tax rate to get a sense of how much more your taxes will be.
What if the math is too complicated or you made less than last year? Here are a couple of other options:
- Use free tax tools to get an estimate. Plug in your gross income, basic deductions and contributions to your registered plans and the tool will give an idea of what you’ll have to pay this year.
- Ask your accountant for a figure. Your accountant can look at your cash flow and gross earnings and give you an estimate. This may require you to book an appointment and pay for the service, but expertise is why your accountant is on your team.
Stay up to date on changes to the tax laws
Changes to the tax rules can affect your business, and business owners might not hear about every change, says Macqueen.
“The Canadian Pension Plan rates just changed,” Macqueen says. “Did the government send you a package to say, ‘By the way, you’re setting aside money for the income tax you owe and CPP’s integrated with that, so keep in mind that the rates went up’?”
A financial professional can help keep you up to date on those changes and review the impact they may have on your business and personal finances.
Stick with the process and avoid tax-season stress
Don’t let the tax process intimidate you. Instead, do a bit of homework and seek professional guidance when necessary. Then you can begin to see how much you’ll owe at the end of the tax year. That kind of knowledge will help you maximize your advantages and minimize your stress.
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