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August 2013

Income From Scholarships and Awards

 
 
Line 130
 
 
 Income From Scholarships and Awards
 
 
Income Tax Act s. 56(1)(n), 56(3)For all provinces and territories except Québec, starting with the 2006 taxation year, scholarship, bursary and fellowship income is fully exempt from tax when the income is received in connection with a program for which the student will get an education amount tax credit.  The income is not reported on the tax return.If you are not eligible to claim the education amount, then only the first $500 of awards is tax free.  Amounts received in excess of $500 are reported on line 130 of your tax return. 
 
 
 
 Taxable amounts would be reported in the Other Income line in the Canadian Income Tax Calculator.Starting with the 2007 tax year, when you receive a scholarship, bursary, or tuition for post-secondary education from the employer of a family member, you will receive a T4A slip from the employer.  Previously, this income was taxable to the employee instead of to the employee's family member who received the income.  When scholarships, bursaries, or tuition are provided for elementary or secondary school, the fair market value (FMV) of these benefits are still a taxable benefit to the employee. Québec studentsQuébec students should enter the scholarship, bursary or other financial assistance amount from box O of the RL-1 slip on Line 154 of the Québec personal income tax return.  These amounts will be identified with the code RB in the "Code (case O)" box of the RL-1 slip.  Note that you can claim a deduction of the same amount on line 295.  See Scholarships and Bursaries on the Revenu Québec website topic
 
 
 
Line 154 - Other Income.  In the Québec Income Tax Calculator, the scholarship/bursary amount would be entered in Other Income - QC and again in Other Deductions - QC.  For amounts that are taxable federally, the amount would also be entered in Other Income - Federal.
 
 
 
 
Federal 2010 Budget ChangesBudget measures implemented:clarification that post-doctoral fellowships will be taxable.  A post-secondary program consisting primarily of research will only be eligible for the education tax credit and the scholarship exemption if it leads to a college or CEGEP diploma, or a bachelor, masters or doctoral degree or equivalent.an amount will be eligible for the scholarship exemption only to the extent that it is received in connection with enrolment in an eligible educational program for the duration of the period of study related to the scholarship.
 
 
the scholarship exemption will be limited, in the case of part-time programs, to the amount of tuition paid for the program plus the costs of program-related materials.  There would be an exception to this for a student entitled to the disability tax credit, or a student whose medical or physical impairment prevents them from being enrolled on a full-time basis.These measures apply to the 2010 and subsequent taxation years.
 
 
 
 
 
 
 

Tax Information for Students

Tax Information for Students
 
 
 
 
 
Tax Information for Students
 
 
These are articles which relate to students regarding income, deductions, tax credits and savings plans.
 
 
 
 
 
 
 
 
Savings Plan for Students and Future StudentsRegistered Education Savings Plan (RESP)
 
 
 
 
 
 
 

What are you worth?

What are you worth?
 
What are you worth?
 
 
 
 
 
 
 
I grew up with a guy who bought a top-of-the-line SUV and powerboat in the first year of his first job.
Well, he didn’t exactly buy them. He financed them.
Every Saturday night he would hitch the boat to the SUV and drive up and down the main drag to show everyone just how successful he was.
We probably all know that guy – has the best job, eats in the best restaurants, drives the best cars, gets the latest gadgets – and rubs them in our faces.
In truth, it’s probably nothing. Sometimes it’s less than nothing.
Statistics show most of us owe more than we make and many of us - especially those with high incomes and a lot of stuff - owe more than we own.
Measuring net worth
In personal finance terms, that’s called negative net worth. Net worth is measured by adding up the value of what we own and subtracting everything we owe: Assets minus liabilities.
To get a good idea of your net worth take inventory of everything you own that holds its value or appreciates. That includes cash savings, the market value of investments, pension assets, the appraised value of a house or other properties, equity in a business or anything of value that can be independently appraised.
The definition of assets can be arbitrary. Statistics Canada would include that guy’s SUV and boat but they often depreciate faster than they are paid off. Unless it’s a vintage automobile, it might be best to leave vehicles out of the mix.
Liabilities are basically debt – things like mortgages, lines of credit, student and vehicle loans and balances on credit cards.
Building your net worth
If you’re young, the results could be discouraging. According to Statistics Canada per capita net worth is just under $200,000 but most of that is equity in a house build up over many years.
It’s not surprising young people tend to have a negative net worth after paying for an education and making their way in the world.
The important thing is to set a plan in motion to turn that negative into a positive and build net worth over the long term.
There are two engines to build net worth: eliminating debt and adding to savings.
Each dollar applied against debt is a dollar that appreciates risk free by as much as the compounded rate of interest you would have been charged.
At the same time each dollar saved adds directly to your net worth and has the potential to grow.
If it is invested in a registered retirement savings plan (RRSP), the tax refund can also be applied against debt, further adding to your net worth.
Set up benchmarks
The key is to get those two engines working simultaneously and build momentum over the long term.
Try to consolidate your debt under one loan, a line of credit or even a mortgage. Use an online debt calculator to figure out where your debt will be at specific points in the future.
Interest rates are on the rise so be sure to input a rate a couple percentage points higher than the current rate.
In the interest of accuracy, be realistic. Financial planning is not an exact science, especially when it comes to estimating income from savings. Set goals for savings contributions and estimated returns. If you invest, talk to a financial advisor about return goals, and chose the lower end of the range.
Once you determine your savings and return goals list them side by side with your debt reduction goals.
Set up benchmarks over different periods of time like one or five years. Using the same basic formula – assets minus liabilities – list your net worth goals.
Hitting those goals will take time and discipline, but each time you see that guy drive by with his boat hold your head high - you have a worth and your stock is on the rise.
 
 
 

Photo chequing in Canada: The big picture

 
 
 
 
Photo chequing in Canada: The big picture
 
 
All I usually want is to take out 20 bucks, but for some reason I constantly end up standing in line at an ATM behind someone who has a whole series of complicated transactions to make. If the bank’s security cameras are watching, the scowl on my face would not be a pretty picture.
A prettier picture, at least from a financial perspective, is one where consumers with deposits to make can avoid the ATM altogether (or, even more nightmarish, a bank branch) and just take a picture of a cheque with a smartphone and have it processed instantaneously. Remarkably, we are finally getting closer to this version of mobile banking in Canada than ever before.
Earlier this month the Canadian Payments Association made some changes to the rules which govern how cheques are cleared by financial institutions that could facilitate the idea of remote deposit capture, as the concept is called. It’s taken five years, but the crux of it is that, whereas banks would have had to set up bilateral agreements with each other in order to allow their customers to process cheques via smartphone photos, they now have the legal go-ahead to work collaboratively. In other words, if you’re an RBC customer and someone with a CIBC account gives you a cheque, RBC can now legally process that CIBC cheque with just a smartphone image.
“It adds more structure and more certainty to CPA members who choose to participate,” said Vladimir Shatiryan, a lawyer with Blake Cassels & Graydon LLP in Toronto. “It’s up to the direct clearers to decide whether they want to participate and offer the option or the feature to their clients.”
Last month, ING Direct Canada entered the fray by adding feature called Cheque-In to its existing mobile app across all major mobile platforms. The bank’s chief information officer, Charaka Kithulegoda, told me that so far customers are using remote deposit capture to handle anything from a few hundred dollars to thousands of dollars. And although it may take some time to educate the market on the availability of this kind of banking, early adopters like the fact they get an e-mail alert confirming a deposit’s been made.
“From a customer standpoint, there is greater security,” he said, adding that the main challenge may be keeping up with increased demands and expectations. For instance, photo chequing is convenient but hold periods will still apply. Just because it’s mobile doesn’t mean the back-end bureaucracy goes away.
With the legal issues out of the way, the onus will now be on all Canadian banks to jump on board and create the infrastructure and apps that allow remote deposit capture. Although some of the bigger ones offer it through their U.S. branches, I suspect the rollout here will be as slow as everything else associated with mobile banking in Canada. Financial institutions here have been sluggish to facilitate payments via smartphones and apps, even though you could argue it would improve customer service. In this case, it could actually get money into the banks faster. If they still can’t wrap their heads around the business case, let me put it this way: one day soon a picture taken on a smartphone may be worth 1,000 tellers.
 
 
 
 
 
 
 

TLS Optimal Wellness Kit

TLS Optimal Wellness Kit
TLS Optimal Wellness Kit
 
TLS® Health Guide & Journal
What Makes TLS® Health Guide & Journal Unique?
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
The TLS® Health Guide & Journal is the first step in securing your commitment to TLS Weight Loss Solution. It is designed to take you day by day for 12 weeks of the program. It includes meal plans for men and women for each TLS Menu Plan. Each day, you will be supported emotionally and nutritionally, enabling you to handle the stress in your life without resorting back to bad eating habits. And, you'll be taught behaviors and techniques that will help keep you on the program to stay healthy, feel great and lose weight.
TLS is a registered trademark of Market America, Inc in the USA.
Benefits
 
 
Primary Benefits of TLS® Health Guide & Journal:
·         Comprehensive guide on how to follow TLS Weight Loss Solution
·         Covers the weight loss struggle and how TLS is the weight loss solution
·         Six days of sample meal plans
·         12 weeks of  journaling to keep you on track through the entire program
·         Weekly weigh-ins and quarterly measurements for accountability
·         Contains motivational quotes, stress and relaxation techniques, information on the 7-day detox diet, information on exercise, success stories and more
TLS Optimal Wellness Kit
What Makes TLS Optimal Wellness Kit Unique?
In order to succeed with TLS Weight Loss Solution, you need provide your body with the vitamins and nutrients it needs for maximum results.
The TLS Optimal Wellness Kit is an excellent foundation to help you on your weight loss journey. Containing three essential supplements – Isotonix Multivitamin, Isotonix Advanced B-Complex and Heart Health Essential Omega III with Vitamin E – this kit will help you promote long-term health, optimal nutrition and healthy weight loss.
Isotonix Multivitamin contains 100 percent or more of the daily value of most essential vitamins and minerals, including those that support the body’s ability to metabolize fats and carbohydrates and promote healthy body weight. And by helping to maintain a balance of water and electrolytes in your body and convert the foods you eat into energy, Isotonix Multivitamin can help fuel your body for long-lasting weight loss.
The TLS Optimal Wellness Kit also includes Isotonix Advanced B-Complex to keep your energy high and help promote your cardiovascular health. This vitamin B-complex is a mixture of the eight essential B-vitamins that play a critical role in metabolism at the cellular level and can help you power through fatigue, lethargy and stress – all components that can derail your weight loss efforts.
Finally, Heart Health Essential Omega III with Vitamin E can help to promote your heart health during weight loss. Studies have shown that dieters who supplement with a fish oil supplement lose more weight than dieters who do not.
Coupled with our TLS Accelerators (TLS Fat Metabolizer and TLS Carbohydrate Metabolizer), the TLS Optimal Wellness Kit can help you achieve your weight loss goals in a healthy way.
Benefits
 
 
Primary Benefits of TLS Optimal Wellness Kit:                           
Isotonix Multivitamin
         Helps the body to metabolize proteins, fats and carbohydrates
         Helps in the function of the thyroid gland
         Provides support for healthy glucose metabolism
Isotonix Advanced B-Complex
·         Contributes to the maintenance of proper muscle function and helps the body to metabolize proteins, fats and carbohydrates to enhance energy production, and support cardiovascular health
Heart Health Essential Omega 3 Fish Oil with Vitamin E
·         Helps maintain cardiovascular health
·         Helps to reduce serum triglycerides
·         Helps support cognitive health
·         Helps to promote healthy mood balance
 

What Makes TLS® Health Guide & Journal Unique?

TLS Optimal Wellness Kit
What Makes TLS® Health Guide & Journal Unique
 
 
 
 
 
TLS® Health Guide & Journal
What Makes TLS® Health Guide & Journal Unique?
 

The TLS® Health Guide & Journal is the first step in securing your commitment to TLS Weight Loss Solution. It is designed to take you day by day for 12 weeks of the program. It includes meal plans for men and women for each TLS Menu Plan. Each day, you will be supported emotionally and nutritionally, enabling you to handle the stress in your life without resorting back to bad eating habits. And, you'll be taught behaviors and techniques that will help keep you on the program to stay healthy, feel great and lose weight.
TLS is a registered trademark of Market America, Inc in the USA.
 
 
 
Benefits
Primary Benefits of TLS® Health Guide & Journal:
·         Comprehensive guide on how to follow TLS Weight Loss Solution
·         Covers the weight loss struggle and how TLS is the weight loss solution
·         Six days of sample meal plans
·         12 weeks of  journaling to keep you on track through the entire program
·         Weekly weigh-ins and quarterly measurements for accountability
·         Contains motivational quotes, stress and relaxation techniques, information on the 7-day detox diet, information on exercise, success stories and more
 
 
-----------------------------------------------------------------------------------------------------------------------------------------------------------------
 
 
TLS Optimal Wellness Kit
What Makes TLS Optimal Wellness Kit Unique?
In order to succeed with TLS Weight Loss Solution, you need provide your body with the vitamins and nutrients it needs for maximum results.
The TLS Optimal Wellness Kit is an excellent foundation to help you on your weight loss journey. Containing three essential supplements – Isotonix Multivitamin, Isotonix Advanced B-Complex and Heart Health Essential Omega III with Vitamin E – this kit will help you promote long-term health, optimal nutrition and healthy weight loss.
Isotonix Multivitamin contains 100 percent or more of the daily value of most essential vitamins and minerals, including those that support the body’s ability to metabolize fats and carbohydrates and promote healthy body weight. And by helping to maintain a balance of water and electrolytes in your body and convert the foods you eat into energy, Isotonix Multivitamin can help fuel your body for long-lasting weight loss.
The TLS Optimal Wellness Kit also includes Isotonix Advanced B-Complex to keep your energy high and help promote your cardiovascular health. This vitamin B-complex is a mixture of the eight essential B-vitamins that play a critical role in metabolism at the cellular level and can help you power through fatigue, lethargy and stress – all components that can derail your weight loss efforts.
Finally, Heart Health Essential Omega III with Vitamin E can help to promote your heart health during weight loss. Studies have shown that dieters who supplement with a fish oil supplement lose more weight than dieters who do not.
Coupled with our TLS Accelerators (TLS Fat Metabolizer and TLS Carbohydrate Metabolizer), the TLS Optimal Wellness Kit can help you achieve your weight loss goals in a healthy way.
Benefits
Primary Benefits of TLS Optimal Wellness Kit:                           
Isotonix Multivitamin
         Helps the body to metabolize proteins, fats and carbohydrates
         Helps in the function of the thyroid gland
         Provides support for healthy glucose metabolism
Isotonix Advanced B-Complex
·         Contributes to the maintenance of proper muscle function and helps the body to metabolize proteins, fats and carbohydrates to enhance energy production, and support cardiovascular health
Heart Health Essential Omega 3 Fish Oil with Vitamin E
·         Helps maintain cardiovascular health
·         Helps to reduce serum triglycerides
·         Helps support cognitive health
·         Helps to promote healthy mood balance
 
 
 

Ultimate Aloe

Ultimate Aloe
 
 
 
 
 
 
 
Ultimate Aloe
 
 
 
 

The aloe plant has been used to promote health for thousands of years. Ultimate Aloe Juice is a source of over 200 nutrients, enzymes, vitamins and minerals, including 13 of the 17 essential minerals needed for good nutrition.

Because the typical diet consists of many foods hard to digest, maintaining a healthy digestive tract is important to the overall health of the body. This is true because a healthy digestive tract ensures proper absorption of nutrients from the food we eat.

Ultimate Aloe Juice has the IASC (International Aloe Science Council) seal that certifies the aloe content and purity. The aloe vera in Ultimate Aloe Juice is harvested and processed according to sanitary manufacturing practices that use specific time and temperature guidelines. This preserves the natural properties of the aloe vera plant so you receive the maximum benefits of the product. Ultimate Aloe Juice is virtually free of undesirable components such as aloin and other anthraquinones (aloin: one ppm or less) confirmed by an independent university laboratory. It is necessary to avoid components such as aloin and anthraquinones because of their history of harsh side effects.

Ultimate Aloe Juice’s quality is analyzed for chemical and physical characteristics and in-vitro assays for monitoring biological activity. Our manufacturer is the only supplier with a full range of biological, chemical and medicinal research and development capabilities.
 
 
 
 
 
 
Primary Benefits of Ultimate Aloe Juice:
·         Contains the IASC (International Aloe Science Council) seal that certifies the aloe content and purity
·         A source of over 200 nutrients, enzymes, vitamins and minerals, including 13 of the 17 essential minerals needed for good nutrition
·         A source of soluble and insoluble fiber
·         A natural source of vitamins, minerals and other healthy nutrients
·         Contains no high fructose corn syrups or artificial sweeteners
·         Contains no thickeners or emulsifiers
·         Virtually free of emodin or aloin
·         Contains natural aloe vera leaf
·         Source of amino acids
·         Contains ActiveAloe™ to enhance aloe vera’s biological activity
·         Harvested and processed to ensure the body receives maximum benefits
·         Great tasting and refreshing flavors!
 
 
Key Ingredient Found in Ultimate Aloe Juice:

Aloe vera Leaf (ActiveAloe™)
Chemical analysis shows that aloe vera contains vitamins, minerals, triglycerides, carbohydrates, amino acids, enzymes and water. The vitamins found in aloe include B1, B2, B3 and B12, choline, folic acid, vitamin C and beta-carotene (a precursor to Vitamin A), which are all vital to optimal health and the formation of certain key enzymes.

Aloe has been shown to contain many beneficial minerals needed for good nutrition. Minerals found in aloe include calcium, magnesium, potassium, chloride, iron, zinc, manganese, copper, chromium, sulfur, boron, silicon, phosphorus, and sodium. These minerals are vital in the growth process and essential for the function of all body systems.

Aloe vera also contains necessary triglycerides including fats, oil and waxes. They carry the fat-soluble vitamins and supply the fatty acids essential for growth and general health of the body. Aloe vera contains 20 of the 22 amino acids needed for good nutrition; nine of these are essential and must be supplied from an outside source because the body cannot manufacture its own. Aloe has been shown to contain all of the essential nine amino acids. Aloe vera also contains critical enzymes that trigger the chemical reaction of vitamins, minerals and hormones for normal functioning of the body.
·         Frequently Asked Questions about Ultimate Aloe Juice:

What is ActiveAloe™?
Ultimate Aloe Juice contains the ingredient ActiveAloe™, which is protected by a patented process that actually enhances aloe vera’s biological activity by isolating the polysaccharide fraction from the plant. This is important because the healthful benefits of aloe come from polysaccharides of a certain size. ActiveAloe™ is produced under ultra-sanitary condition; employees go through sanitation every time work area entered and the entire area undergoes wash down each night. It contains a novel proprietary method enabling the dehydration of aloe while maintaining flavor, color and nutrients.

I noticed the IASC Seal on the Ultimate Aloe Juice bottles. What is it and what does it mean for me?
The seal is a certificate from the International Aloe Science Council (IASC). It demonstrates that the quality of aloe in Ultimate Aloe Juice has been validated and certified by an independent group of professionals. Market America has made a strong commitment to sell a standardized, well-defined, thoroughly tested product that meets the rigid standards of the Council.

What is the shelf life of Ultimate Aloe Juice?
If un-refrigerated and unopened, Ultimate Aloe Juice will last approximately one year.  
·         Is Ultimate Aloe Juice safe for diabetics?
Anyone under medical treatment should consult a physician before taking any natural products.
·         Is Ultimate Aloe Juice cold-processed?
No, it is pasteurized. Pasteurization is the process by which the product eliminates bacteria to prevent contamination and spoilage. In fact, several studies show that the active ingredients can be enhanced by heating.

Why is caramel added to the regular (Natural) flavor?
The caramel is added to the product to obtain the dark brownish color.
·         Why does the taste vary?
The taste will vary from lot to lot due to the seasonal time of harvest. The sun and the amount of water the plants receive are directly responsible for the ripeness of the plants. Just as with any vegetable, you will have a different taste depending upon the growing process. Please enjoy the great taste of our Ultimate Aloe Juice!
·        
The label on the bottles includes something called malic acid. Why is that added?
The malic acid was added to further promote freshness and aid in balancing the pH level.

What are the steps in harvesting the natural aloe in Ultimate Aloe Juice?
Aloe is harvested by pulling back on the green leaf and cutting at the white base. Approximately three of the outermost mature leaves are cut from each plant. Leaves are gathered in boxes that are transported immediately to the production facility. Back at the building, production employees feed incoming harvested leaves into the primary washer located just outside the production room. The production room has a stainless steel conveyor system that quickly moves harvested leaves from the primary wash tank outside through a small opening in the wall into the room. The conveyors propel leaves to the mechanical leaf washer, and then to the cutting area. The production room is kept in an ultra-sanitary state, even when not in use. Employees are required to go through a process of sanitation every time they enter the room and the entire area is thoroughly cleaned after each production run.

It is important to use aloe vera that has been processed in a manner to stabilize the aloe and stop the enzymes from continuing to break down the polysaccharides. This normally has to be done in the first four to six hours after severing the leaf from the mother plant. Ultimate Aloe Juice is properly harvested and manufactured to ensure the body receives maximum benefits.

Why is the aloin removed from the aloe?
Fresh whole leaf aloe vera juice contains aloin, a very powerful laxative, which must be eliminated from the juice if it is to be used safely as an ingredient in topical products or as a health drink. Aloin is a compound, which is produced from e-modin and glucose. When whole leaf aloe is pasteurized and the aloin is eliminated, the juice is safe for both topical and internal use.

What is the history of aloe vera use in promoting health?
The idea that aloe vera can promote skin health is as old as the Pyramids. It is believed to have originated in the warm, dry climates of northern Africa. It has been found referenced in ancient hieroglyphics, which indicate it was a product that was traded between the Egyptians and the Sumerians as many as 6,000 years ago. It was first described in the Ebers Papyrus, an Egyptian medical book written between 1553-50 B.C.E. The aloe has been used as a health agent or cosmetic ingredient for thousands of years in promoting normal wound healing, healthy digestion and healthy skin. Persian and Indian healers have used the soothing powers of aloe vera for centuries. In addition, both Chinese and Japanese civilizations have taken advantage of aloe vera’s beneficial properties. Greeks and Romans also used aloe vera in supporting health as early as the first century. Ancient Greeks obtained it from the island of Socotra in the Indian Ocean. In the 10th century C.E., its soothing powers were recommended to the British king Alfred the Great by the Patriarch of Jerusalem. Muslims who have made the pilgrimage to Mecca are entitled to hang an aloe plant over their doors as a talisman against evil.

If you look at the history of aloe as a topical application or cosmetic ingredient, there are three types of evidence that have been used to support its value, including testimonials, scientific research and chemical analysis. Reports show that as early as the 1930s the gel was used to successful sooth and promote the normal healing of X-ray and radium burns. Studies were also done on its effectiveness for thermal burns.

Many individuals apply the gel to minor cuts, abrasions and burns. Aloe vera products enjoy growing public interest. Strong examination of aloe vera continues within the medical community. Most of the modern research has focused on aloe vera’s ability to promote skin health and support normal healing. These outcomes are supported by many modern clinical studies conducted by medical professionals.

The juice of the plant continues to gain in popularity as an effective health drink. Hundreds of chemical reports show that aloe vera contains vitamins, minerals, amino acids, enzymes and a large number of healthy compounds.   

Are there any preservatives in Ultimate Aloe Juice?
Yes. The aloe vera plant is classified as a vegetable and like all plant products, the juice must be preserved or it will rapidly decompose when the leaves are processed. Potassium sorbate (from Mountain Ash trees) and sodium benzoate (from benzoin gum) are used in minute quantities as preservatives, and ascorbic and citric acid are used to stabilize and balance pH levels. Ultimate Aloe Juice is made from 100 percent aloe vera through a unique whole leaf process, using only certified leaves. This method carefully removes the unnecessary aloin and aloe-emodin while still maintaining high levels of modified aloe polysaccharides, which have been shown to contribute to many health benefits. The International Aloe Science Council has certified the aloe content and purity in this product.
 
 
 
 
 
 
 
 
 
 
 

Isotonix Calcium Plus -

Isotonix Calcium Plus
 
 
 
 
 
 
Isotonix Calcium Plus
 
 
 
 
 
What Makes Isotonix™ Calcium Plus Unique?
 
Calcium is essential for building and maintaining strong bones. For optimal bone health, Isotonix™ Calcium Plus delivers three-quarters of the recommended daily value of calcium and vitamin C in an efficient solution that is readily absorbed by the body. In most cases, calcium tablets are difficult for the body to absorb. One cause may be that the calcium supplement is not blended with Vitamin D and magnesium; these are necessary to aid the body in the absorption and use of calcium.
 
Even if the calcium supplement tablet is correctly blended, it may be difficult for the body to utilize or break down the calcium. One explanation may be that many calcium brands use calcium from eggshell or oyster shell. These may not be well absorbed by the body. Another reason calcium may not be absorbed from a tablet is because of a binding agent known as DCP, which is a binding agent is used to hold the tablet together. DCP does not break down in the body. Additionally, manufacturers are not required to disclose the use of DCP. In addition to binders, some calcium supplements may have additives such as chlorine, shellac and other potentially hazardous chemicals. Even assuming no binders are used in the calcium tablet, the body must still break down a hard-pressed tablet into a usable form. If the tablet cannot be broken down sufficiently in the stomach, then the calcium will not be absorbed. If you cannot break down the calcium, you can end up with problems such as unabsorbed particles floating around inside the body. This may lead to kidney stones and painful joints, not to mention you are not getting enough calcium, so your bones are being robbed of calcium to support bodily functions.
 
 
Isotonix Calcium Plus provides the body with an advanced, cost-effective and generous 750 mg dose of calcium through an optimized blend of calcium, vitamin D3, magnesium, vitamin C and boron. Vitamin D3 acts to stimulate the production of calcium binding and transport proteins that help move calcium across cell membranes and store the mineral inside the cells.
http://ca.shop.com/alikoshoppingmall/healthnutrition-a+898.xhtml

Isotonic, which means "same pressure," bears the same chemical resemblance of the body's blood, plasma and tears. All fluids in the body have a certain concentration, referred to as osmotic pressure. The body's common osmotic pressure, which is isotonic, allows a consistent maintenance of body tissues. In order for a substance to be absorbed and used in the body's metabolism, it must be transported in isotonic fluids.
 
Isotonix dietary supplements are delivered in a solution similar in constitution to the body's own naturally produced isotonic fluids. This similarity of pH and osmotic pressure means that the body has less work to do in order to convert the solution into a state ready for maximum absorption — greatly decreasing the amount of time and work necessary to absorb a supplement. The isotonic state of the suspension allows nutrients to pass directly into the small intestine and be rapidly absorbed into the bloodstream.
 
 
 
 
Primary Benefits of Isotonix™ Calcium Plus:
 
 
·         Essential for building and maintaining strong bones and teeth
·         May assist in prevention of osteoporosis
·         Assists in relief of minor PMS symptoms
 
 
 
 
·         Key Ingredients found in Isotonix™ Calcium Plus:
·          
 
·         Calcium 750 mg (Carbonate, Lactate, Phosphate, Sulfate, Citrate)
·         Calcium is found in the highest concentrations in milk. Other foods rich in calcium include the vegetables collard greens, Chinese cabbage, mustard greens, broccoli and bok choy, as well as tofu and sardines with bones included.
·          
 
·         Calcium is an essential mineral with a wide range of biological roles. Calcium exists in bone primarily in the form of hydroxyapatite (Ca10 (PO4)6 (OH)2). Hydroxyapatite comprises approximately 40 percent of the weight of bone. The skeleton has an obvious structural requisite for calcium. The skeleton also acts as a storehouse for calcium. Apart from being a major constituent of bones and teeth, calcium is crucial for muscle contraction, nerve conduction, the beating of the heart, blood coagulation, glandular secretion, the production of energy and the maintenance of immune function.
·           
·         Calcium is essential for healthy bones and teeth. A sufficient daily calcium intake is necessary for maintaining bone density. When the body does not obtain an adequate amount of calcium each day, it begins to draw it from the bones, causing them to thin. This may lead to osteoporosis. Osteoporosis is an age related thinning of the bones, which lead to a higher risk of broken hips, ribs, pelvis and other weakened bones. This is in addition to stooped posture associated with advanced age, which is caused by an accumulation of small fractures in the vertebrae.
·          
 
The PTH (parathyroid hormone) regulates the amount of calcium in the blood. Some researchers believe that when the human body does not receive enough calcium, levels of PTH increase, whereby causing the body to experience hypertension. High levels of calcium in the body have been associated with a lower risk of cardiovascular disease in postmenopausal women and lower cholesterol levels. Low levels of calcium have been associated with reduced bone mass and osteoporosis. One preliminary study also suggests that calcium may help reduce the risk of obesity.

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·          
 
·         Magnesium 200 mg (Oxide, Carbonate)
·         Foods rich in magnesium include unpolished grains, nuts and green vegetables. Green leafy vegetables are potent sources of magnesium because of their chlorophyll content. Meats, starches and milk are less rich sources of magnesium. Refined and processed foods are generally quite low in magnesium. The average daily magnesium intake in the U.S. for males nine years and older is estimated to be about 323 milligrams; for females nine years and older, it is estimated to be around 228 milligrams. Some surveys report lower intakes, and some believe that the dietary intake for many may be inadequate.
·          
 
·         Magnesium is a component of the mineralized part of bone and is necessary for the metabolism of potassium and calcium in adults. It helps maintain normal levels of potassium, phosphorus, calcium, adrenaline and insulin. It is also important for the mobilization of calcium, transporting it inside the cell for further utilization thus making it helpful in preventing osteoporosis. It plays a key role in the functioning of muscle and nervous tissue. Magnesium is necessary for the synthesis of all proteins, nucleic acids, nucleotides, cyclic adenosine monophosphate, lipids and carbohydrates. This mineral also inhibits the formation and growth of calcium oxalate stones in the kidney and bladder. Further, magnesium helps indirectly in reversing the effects of oxidative stress and lipid peroxidation as involved with the aging process.
·          
 
·         Magnesium is required for energy release, regulation of the body temperature, proper nerve function, helping the body handle stress, and metabolism regulation. Magnesium works together with calcium to regulate the heart and blood pressure. Importantly, magnesium is also required by your body to build healthy bones and teeth, and is required for proper muscle development. It works together with calcium and vitamin D to help keep bones strong and prevent osteoporosis.
·          
 
·         Manganese 1 mg (Sulfate)
·         Manganese is a mineral found in large quantities in both plant and animal matter. The most valuable dietary sources of manganese include whole grains, nuts, leafy vegetables and teas. Manganese is concentrated in the bran of grains, which is removed during processing. There are several forms of supplementary manganese, including manganese gluconate, manganese sulfate, manganese ascorbate and manganese amino acid, chelates. 
·          
 
Only trace amounts of this element can be found in human tissue. Manganese is predominantly stored in the bones, liver, kidney and pancreas. It aids in the formation of connective tissue, bones, blood-clotting factors and sex hormones, and plays a role in fat and carbohydrate metabolism, calcium absorption and blood sugar regulation. Manganese is also necessary for normal brain and nerve function.

Manganese is a component of the antioxidant-enzyme manganese superoxide dismutase (MnSOD). Antioxidants scavenge damaging particles in the body known as free radicals. These particles occur naturally in the body but can damage cell membranes, interact with genetic material, and possibly contribute to the aging process as well as the development of a number of health conditions. Antioxidants such as MnSOD can neutralize free radicals and may reduce or even help prevent some of the damage they cause.
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·          
 
·         Vitamin B2 2 mg (Riboflavin-5-Phosphate)
·         Liver, dairy products, dark green vegetables and some types of seafood are primary sources of riboflavin. Vitamin B2 serves as a co-enzyme, working with other B-vitamins. It assists healthy red blood cell formation, supports the nervous system, respiration, antibody production and regulating human growth. It is also necessary for healthy skin, nails, hair growth and general good health including regulating thyroid activity. Vitamin B2 plays a crucial role in turning food into energy as a part of the electron transport chain, driving cellular energy on the micro-level. Riboflavin can be useful for pregnant or lactating women as well as athletes due to their higher caloric needs. Vitamin B2 helps the breakdown of fats while functioning as a cofactor or helper in activating B-6 and folic acid. Vitamin B2 is a water-soluble vitamin, one that cannot be stored by the body except in insignificant amounts. It must be replenished daily.
·          
 
·         Under some conditions, vitamin B2 can act as an antioxidant. The riboflavin coenzymes are also important for the transformation of vitamin B6 and folic acid into their active forms, and for the conversion of tryptophan into niacin.
·                    
·         Vitamin C 58 mg (Ascorbic Acid)
·         The best food sources of vitamin C include all citrus fruits (oranges, grapefruit, lemons, tangerines) as well as other fruits and vegetables such as strawberries, tomatoes, broccoli, brussels sprouts, peppers and cantaloupe. Vitamin C is a rather "fragile" vitamin and can be easily destroyed by cooking or exposure of food to oxygen.
·          
 
·         Vitamin C promotes a vitamin "sparing" effect, allowing your body to better utilize multiple vitamins and minerals such as thiamin, riboflavin, pantothenic acid, biotin, folic acid, B12, retinaldehyde and alpha-tocopherol and in this case, the mineral calcium. It is also a cofactor or helper in the metabolism of folic acid, some amino acids and hormones. Being an effective antioxidant, it also works in helping generate more Vitamin E after oxygen radicals have attacked it, improving iron absorption from the small intestine. Vitamin C helps to regenerate active vitamin E in cell membranes. It is a co-factor in the synthesis of collagen and helps strengthen newly forming collagen.
·          
 
·         Vitamin C has become the world's most popular vitamin. One reason is because of its vital role in fighting infections (strengthening the immune system). Other vital roles vitamin C plays in the body involve the strengthening of the blood vessels and gums. Although this may sound like a lot, the importance of vitamin C does not stop there. Studies have indicated that vitamin C may be of special benefit to people with high blood pressure, smokers, diabetics and elderly men. Vitamin C can also act as a leading protector against cataract formation. As a water-soluble antioxidant, vitamin C prevents vitamin E from becoming oxidized, thus preventing the premature aging and degenerative disease processes that inflict so many people. Another important role of vitamin C is its anti-stress capabilities. Vitamin C plays a major role in the ability to handle mental and physical stress.
·          
 
·         The most convincing evidence suggesting the need for vitamin C supplementation is based on the fact that  humans are incapable of producing vitamin C in their bodies. When studies were conducted on animals to see how much vitamin C they produced in relation to their body weight, it was determined that they produced roughly the equivalent of a human consuming 3,000-7,000 milligrams per day.
·          
 
·         Vitamin D3 400 IU (Cholecalciferol)      
·         Regular sunlight exposure is the main way that most humans get their vitamin D. Food sources of vitamin D include vitamin D-fortified milk (100 IU per cup), cod liver oil, and fatty fish such as salmon and small amounts are found in egg yolks and liver.
·          
 
·         Vitamin D aids in the treatment of psoriasis, diabetes, and cancer. Vitamin D promotes the absorption of calcium and phosphorus and induces the production of several proteins involved in calcium absorption and storage. Vitamin D works with calcium to increase bone strength and harden the bones. It works to increase active transport of calcium out of the osteoblasts into the extra-cellular fluid and in the kidneys, promotes calcium and phosphate re-uptake by renal tubules. Vitamin D also promotes the absorption of dietary calcium and phosphate uptake by the intestinal epithelium. It helps skin cells grow normally, aids the pancreas in producing insulin. Additionally, it is important for diabetics due to the fact that Vitamin D is required by the pancreas to produce insulin.
·          
·         Potassium 225 mg (Bicarbonate, Citrate)
·         Foods rich in potassium include fresh vegetables and fruits such as bananas, oranges, cantaloupe, avocado, raw spinach, raw spinach, cabbage and celery. Potassium is an essential macromineral that helps to keep fluid balance. It also plays a role in a wide variety of biochemical and physiological processes. Among other things, it is important in the transmission of nerve impulses, the contraction of cardiac, skeletal and smooth muscle, the production of energy, the synthesis of nucleic acids, the maintenance of intracellular tonicity and the maintenance of normal blood pressure. In 1928, it was first suggested that high potassium intake could exert an anti-hypertensive effect. Potassium stimulates muscle relaxation and insulin release. It also promotes glycogen and protein synthesis. Potassium is an electrolyte that promotes proper heartbeat. Potassium is important in releasing energy from protein, fat and carbohydrates during metabolism.
·        
Potassium also regulates water balance and aids in recovery from exercise. Potassium aids rheumatic or arthritic conditions (causing acids to leave the joints and ease stiffness). Potassium is crucial for the elimination of wastes. Potassium is a natural pain desensitizer. Potassium helps control convulsions, headaches and migraines, promotes faster healing of cuts, bruises and other injuries and generally contributes to a sense of well-being. Potassium is stored in the muscles. 
 
 
 
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Frequently Asked Questions about Isotonix™ Calcium Plus: 
Why should I take calcium?Women, children, teens, men, unborn babies and the elderly all need calcium. Practically no one ingests enough calcium in their daily diet, so calcium is one of the nutrients that is highly recommended in terms of supplementation. Besides being helpful in supporting and maintaining bone integrity, calcium serves a dynamic role as a mineral. It is very important in the activity of many bodily enzymes.
 
 
 It is important for athletes in maintaining proper fluid balance as well as aiding in the action of skeletal and muscle contraction. In addition, calcium may be helpful in preventing the incidence of colon cancer. It is a well-known fact that Americans do not typically have the best diets, especially in comparison with the rest of the world. Although the health food fad is catching on in some areas, it may be of utmost importance to make sure that one is getting enough of this crucial mineral. 
 
 
 
 How much calcium should I take?The National Academy of Sciences has established guidelines for calcium that are 25 to 50 percent higher than previous recommendations. For ages 20 to 50, calcium consumption is recommended to be at least 1,000 mg daily; for adults over age 51, the recommendation is 1,200 mg daily. The most common supplemental amount for adults is 800 to 1,000 mg per day.
 
 
 
Some physicians recommend 1,000 milligrams of supplement calcium daily for postmenopausal women taking estrogen replacement therapy (ERT) and 1,500 milligrams daily for postmenopausal women not taking ERT. An intake of 1,200 milligrams daily appears to be adequate for both groups. More specifically, one can examine the table provided in order to determine their very own unique calcium intake requirements: 
 
 
 
Which form of calcium should I take?
One of the largest factors to consider when choosing which calcium is best is the percentage of elemental calcium present.
 
 
A greater percentage of elemental calcium means that fewer tablets are needed to achieve the desired calcium intake. For instance, in the calcium carbonate and phosphate forms, which are two of the comprising forms found in Isotonix™ Calcium Plus, calcium accounts for 40 percent of the compound.
 
 
 Calcium carbonate may not always show optimal absorption, but it clearly has positive effects. For example, calcium carbonate appears to be absorbed as well as the calcium found in milk. In fact, a few studies indicate that calcium carbonate is absorbed as well as most other forms besides calcium citrate/malate (CCM). When taken alongside a variety of other forms of calcium, carbonate has the size, positioning and the consequent propensity to deliver the highest amount of elemental calcium possible.
 
 
 
 Calcium citrate contains 21 percent and is a standout form of calcium coming in at 30 to 35 percent, and the citric acid reduces the amount of stomach acids required for absorption. The calcium citrate form provides 24 percent elemental calcium. This addition of calcium citrate to the other forms of calcium is quite crucial in that it helps the absorbability of the Isotonix Calcium Plus by acting as a boost for the larger concentrations of calcium found in the carbonate form.http://ca.shop.com/alikoshoppingmall/healthnutrition-a+898.xhtml 
Recently, coral calcium has been claimed to be a vastly superior form of calcium even though its calcium content is primarily calcium carbonate. One small, controlled human study reported that coral calcium was better absorbed than ordinary calcium carbonate.
 
 
There is however, little scientific evidence at this time supporting the assertion that coral calcium is superior to other forms of calcium.

In general, most forms of supplemental calcium are easily and readily assimilated by the body, especially in the isotonic form provided in Isotonix Calcium Plus formula.
 
 
I am not an elderly woman. Why should I supplement with calcium?Calcium plays a huge role in many major regulatory bodily processes with implications that extend far beyond the age factor.
 
 
Other than elderly women who may be susceptible to bone loss, younger women, pregnant and lactating women, growing children and those with high blood pressure are suitable candidates for calcium supplementation.
 
 
 
Younger women need more calcium to build up the strength of their bones around the ages of 20 and up. It is safe to say that an ounce of prevention is worth a pound of cure. Pregnant and lactating women need extra calcium, at least 1200 mg /day to foster the healthy growth of new cells and of breast milk. Growing children need extra calcium, sometime two to four times as much as an adult because of new bone growth and to prevent rickets, bone deformities or growth retardation. Finally, those with high blood pressure have been found to have low levels of calcium intake and further studies have confirmed the positive impact of calcium supplementation on heart health. http://ca.shop.com/alikoshoppingmall/healthnutrition-a+898.xhtml 
 
 
Of course, calcium has been most widely touted as a preventative of osteoporosis. Because many people are uneducated about the far-reaching necessity and benefit of calcium, the drive to add a supplement to one's diet is floundering. Further, it has been found that many younger and middle-aged women who should be ingesting greater amounts of calcium in both diet and supplementation, are the ones who actually ingest the least.
 
 
 
The mindset that milk products are fattening has contributed to a lack of quality calcium intake. Many women at this age do not yet feel the physical onset of osteoporosis and do not make supplementation an immediate priority. Women in general who have a vested interest in their health should make moves to begin calcium supplementation. 
 
 
 
Moreover, let us say that you know that you are predisposed to osteoporosis and are even feeling a few of the signs of it including headache and a decrease in height. While calcium supplementation is one of the key ingredients to preventing and even fighting ongoing osteoporosis, there are a few other important factors that must be taken into account. Many other things can also play a role in causing osteoporosis. Some of these are seemingly normal lifestyle factors including smoking, lack of exercise, low levels of magnesium, zinc, vitamin B6, vitamin K, and B12, a high alcohol intake and altered vitamin D metabolism. To fight and/or prevent osteoporosis requires a focus of your attention on these aforementioned variables as well as steadily supplementing your diet with a quality calcium supplement such as Isotonix Calcium formula. So, in turn, if you know that you are inherently averse to working out or that you like the occasional smoke after work, your need for a good calcium supplement increases tremendously regardless of age.
 
 
 
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How can calcium help me lose weight?Calcium plays a pivotal role within our body's cells, regulating both the storage and breakdown of the common enemy of all who long to be trim and healthy, fat. It is thought that the more calcium there is in a fat cell, the more fat it will burn. Consuming dairy products has been shown to thwart weight gain. Now, it looks as though calcium supplementation can give you an extra edge. "Extra calcium might prevent cellular changes that prompt your body to store fat," says study author Alejandro Gonzalez, PhD. With calcium supplementation, it appears that the body's rate of thermogenesis or fat burning tends to increase. The human body's metabolism makes weight loss difficult. Many people who loyally stick to a reduced-calorie diet don't lose weight as fast as they think they should. That is because their bodies are clinging to fat, sensing starvation. Many dieters assume milk products to be fattening and thus remove a lot of them from their seemingly new and improved diets. Switching to low fat or fat free milk products and or supplementing with calcium are preferable alternatives.






 
 
 
 
 

Happiness comes from keeping it simple

Happiness comes from keeping it simple
 
 
 
 
Happiness comes from keeping it simple
 
 
Written by Sarah Yetkiner
Sarah Yetkiner is a Financial Security Advisor, Investment Representative, Writer and Speaker based in Kitchener, Ontario. She is passionate about inspiring people to get excited about their money and empowering them to take control of their financial future. You can follow Sarah on Twitter @SarahYetkiner
 
 
 
 
 
“Frugality is one of the most beautiful and joyful words in the English Language, and yet… the consumption society has made us feel that happiness lies in having things and has failed to teach us the happiness of not having things.” – Elise Boulding
 
 
 
A couple of weeks ago I was listening to Jian Ghomeshi interview Dave Chilton on CBC Radio One. Chilton is the author of the bestselling books
 
“The Wealthy Barber” and “The Wealthy Barber Returns” and the most recent addition to the cast of “Dragon’s Den”. I’ve been fortunate enough to meet him several times and have always been struck by how down to earth he is. During the interview, Jian commented on the fact that Dave lives frugally and Dave acknowledged that he deliberately chooses to live a very simple life and that he has an aversion to “stuff”. This choice to live simply and live well not only makes him a “happy guy” it also means that he has more money available to invest and more available to give away to charity. He commented that, in his experience, much of the debt that people carry nowadays is because of overspending on lifestyle expenses (eating out, vacations, furnishings etc.) and that a lot of the people who enter retirement with a high degree of financial security are those who choose to live within their means, often in a more modest home than their income will support. His observations echoed patterns that I see among my clients and friends and got me thinking that if, as a society, we placed more value on accumulating wealth than accumulating “stuff” we might all be much happier, both before and during retirement.
 
Living beyond our means
 
It seems that too often people fall into the trap of feeling that they need to show tangible (and preferably visible) proof that they are “successful”. Retailers and advertisers are more than happy to reinforce this misconception with carefully crafted campaigns which remind us that we deserve the biggest and the best, and lenders are more than happy to help us acquire it. A few decades ago it was much harder to live beyond your means; people paid for purchases in cash not by debit, and credit was shameful and hard to come by. Today, banks, stores and credit card companies are more than happy to offer you a myriad of ways to have whatever it is you deserve right here, right now, with nothing down and all the time in the world to pay. However, when you stop to think about it, it seems crazy that, in order to show others that we have money, we have to spend it excessively and even crazier that we are reducing our own fortunes in order to help our financial institutions build theirs.
 
We’ve mastered spending
Accumulating “stuff” is a habit that starts at an early age. We give children “spending money” and encourage them to acquire things. Kids’ meals invariably come with free gifts, and the media stories and commercials they’re exposed to constantly remind children of the many wonderful things they can have in exchange for just a few dollars. As we grow older and start to earn our own money we continue in the habit of exchanging dollars for tangibles (clothes, electronics, fast food etc.) until we arrive at a point where it almost seems wrong to leave a store empty-handed! As our income grows, so does our consumption and readily available credit makes it far too easy to live beyond our means and accumulate high levels of debt. Having dug myself into that particular hole during my 20s, I can tell you first hand; it’s a recipe for disaster.
 
 
It’s not too late to change
Pay yourself first” and “spend less than you earn” is tested and true advice that so many of us choose not to heed and which is not taught to our children in schools. Delayed gratification is a foreign concept; admitting that you’re saving up for something might suggest that you don’t have enough money – far better to put it on a credit card than to lose face. No wonder so many people find themselves committing more dollars to managing their debt each month than they’re committing to savings and no wonder that so many retailers are jumping onto the credit card bandwagon; it’s a booming and extremely profitable business.
So what can we do to make a change? We can assert our ability to make choices about whether our hard-earned money goes to work for us or our favourite retailer. We can understand that spending is a habit that can be controlled and that it’s much more rewarding to buy something with money you’ve saved than with credit.
 
 
 We can recognize that our brain is hard-wired for pleasure and that it gets more pleasure from anticipating the impact of a purchase than from the purchase itself (explaining why so many “must-haves” end up gathering dust in a closet or basement). We can look for ways to get excited about our money and irritated by the way it often works harder for others than it does for us. We can take charge of our financial future and choose to live more simply; selecting and savouring our indulgences rather than overloading ourselves with stuff that we quickly grow tired of. Most importantly we can follow the example of those who actually have money rather than those who just appear to be wealthy.
 
 
 
The people who are retiring happiest are the ones who paid themselves first and enjoyed the rest. They built something great for themselves. We can too.
 
 
 
 
 

Evelyn Jacks: Professional Back to School Tax Savings Tips

Evelyn Jacks: Professional Back to School Tax Savings Tips
 
Evelyn Jacks: Professional Back to School Tax Savings Tips
 
 
 
 
 
 
Evelyn Jacks is President of Knowledge Bureau and author of 50 books on tax and personal wealth management. She is also the founder and director of the Distinguished Advisor Conference (DAC). The theme of this year’s three day think tank in Ojai, CA Nov 10-13 will be “Back to the Future – Collaborative Wealth Management.”  Follow Evelyn on Twitter at @EvelynJacks.
 
 
 
 
Did you just drop a bundle on school supplies and performance-enhancing running shoes? Parental peer pressure from the mini-mes can be daunting this time of the year, especially if Mandarin lessons, dance, and hockey all appear on the agenda.
 
 
Fortunately financial relief may be only a tax receipt away—so it’s important to keep the right receipts. Astute tax pros are on their toes to help you tap dance back into the black if you feel you’ve missed something. The pay-off is big: you could save thousands per child this year, if you qualify to take advantage of all the tax provisions. 
 
 
Children’s Fitness Tax Credit.
 Claimable since 2007, this credit recognizes eligible expenses for sports and fitness activities taken by each child under age 16, up to a maximum of $500. (Parents of a disabled child under 18 get to claim more.)  Some interesting activities qualify—sailing, bowling, and golf lessons, for example, in addition to the more typical hockey and soccer.
You’ll save 15 per cent of every dollar you fork out, up to the maximum limits above. That’s a maximum of $75 for each healthy child. Because this is a non-refundable tax credit, it offsets federal taxes you otherwise pay. No benefit, in short, for those who pay no federal tax.
Children’s Arts Tax Credit.
 
 Claim costs for having your child participate in artistic, cultural, recreational or developmental activities. This non-refundable tax credit includes the literary, visual and performing arts, or music or language lessons, too. So do costs of instruction, equipment, uniforms, facility rental and administration costs included in the registration or membership fees. 
Expect your refund to grow by up to another $75. Again, that’s a maximum of 15 per cent of $500, used to offset other federal taxes payable. If your child participates in both fitness and the arts, you can make two claims: one for each credit. Not allowed are fees paid for programs that are part of a regular school curriculum. Nor are costs for travel, meals, or accommodation. Be careful to choose programs of the right length, too. Your tax advisor can help you decipher the rules.
 
 
Provincial Activity Tax Credits.
 
 
Both Ontario and Manitoba have activity tax credits. In Ontario, the credit is a refundable one: claim up to $526 paid for each eligible child in an eligible activity. (Double that amount if you spend at least $100 on an activity for a disabled child). You get back 10 per cent of all the money spent on eligible activities, per child, on top of the value of your federal credits. In Manitoba, it’s not refundable . . . you’ll get 10.8% of up to $500 or $54 dollars as a credit against your provincial taxes. For 2012, BC introduced a Children’s Fitness and Children’s Arts credits which are both non-refundable and exactly the same as the amount claimed on the federal return. Nova Scotia has the “Sport and recreational expenses for children” which is also a $500 non-refundable credit if the organization is registered with the NS government. Saskatchewan has the Active Families Benefit which is a refundable credit for up to $150 (100% of the amount paid) for cultural, recreational, and sport activities.
Take a Certificate Tax Course. Now it’s time for you: consider earning a certificate in personal income tax preparation to save money on preparing your family’s returns professionally, or helping others from a home-based tax preparation business.  Your certified skills make you more employable, too, or will allow you to add this much needed skill to a financial services practice. Contact Knowledge Bureau to learn in the convenience of your home with online courses. And yes, the tuition qualifies for a non-refundable tax credit.
The net result of your “Back to School” Financial Planning—you could end up in the black rather than the red after tax season 2014. . .and that’s “paying it forward” in a great way!
NEXT WEEK: Child Care and Medical Expenses, Public Transportation, and Refunds and Missed Claims
Evelyn Jacks is President of Knowledge Bureau and author of 50 books on tax and personal wealth management. She is also the founder and director of the Distinguished Advisor Conference (DAC). The theme of this year’s three day think tank in Ojai, CA Nov 10-13 will be “Back to the Future – Collaborative Wealth Management.”  Follow Evelyn on Twitter at @EvelynJacks.
 
 
 
 
_______________________________________________________________________________
 

Extension of the Electronic Filing Season

 
 
 
Extension of the Electronic Filing Season Extension of the Electronic Filing Season
 
 
 
 
Posted: August 27, 2013
Posted in:Your News, Did you know, Tax Planning, Current Issue, CRA, efile
 
 
 
As part of its ongoing efforts to improve electronic filing processes, the Canada Revenue Agency (CRA) is pleased to announce the extension of the electronic filing season for 2012 T1 tax returns.
 
 
The electronic filing systems, EFILE Online, EFILE Online Plus and SEND, will be available until January 17, 2014 instead of November 30.
 
 
 
 
 
 
 

CRA: Absolutely No Reprisals In Reporting Service Mistakes

CRA: Absolutely No Reprisals In Reporting Service Mistakes
 
 
 
CRA: Absolutely No Reprisals In Reporting Service Mistakes
 
 
On August 23, the Minister of National Revenue, the Honourable Kerry-Lynne D. Findlay, and the Taxpayers’ Ombudsman, J. Paul Dubé, met with local business owners in Edmonton to discuss, in large part, the addition of a new right announced in the Taxpayer Bill of Rights in June.
 
 
The right discussed was the assurance that when taxpayers lodge a service complaint or request a formal review of actions taken by the Canada Revenue Agency (“CRA”), they will be treated impartially and receive the benefits, credits, and refunds to which they are entitled, with the result that they pay only what is required by law.
 
 
Some have expressed that they are hesitant to make service complaints against the CRA for fear of reprisal. The Ministers wanted to make it clear this will not happen, and in practice this appears to be true (See article: Why Tax Pros Are Worth Their Salt – Part II). “We want Canadians to know they are entitled to fair treatment without fear of reprisal, and that the Taxpayers’ Ombudsman is there to ensure their service rights are upheld,” said Minister Findlay.
The recent addition to the Taxpayer Bill of Rights represents the Government’s commitment to instill confidence and fairness into Canada’s tax code.
 
 
 
 
 
 
 
 
 

Life Insurance Rules “Modernized

Life Insurance Rules “Modernized
 
 
 
 
Life Insurance Rules “Modernized”
 
 
The Income Tax Act contains rules pertaining to the taxation of income earned on the savings in a life insurance policy. The tax treatment differs depending on whether a policy is classified as an exempt supply or not.
 
 
On August 23, the federal Government released draft legislative proposals that, if implemented, purport to modernize the exemption test and other rules regarding life insurance policies.
The “exemption test” is used in order to determine whether or not a policy is exempt; it measures the extent to which a life insurance policy is protection-oriented, and therefore an exempt policy, or savings-oriented, and therefore a non-exempt policy.
Non-exempt policy income is taxed as interest income on an accrual basis, whereas income earned through an exempt policy is subject to a 15% minimum tax levied on the insurer.
Some of the important changes that would occur if the proposed new rules were implemented include altering the tax treatment of life insurance policies by changing the exemption test and changing the rules regarding dispositions of an interest in a policy.
To submit comments on the draft legislation, send them to the Department of Finance at via email, or to the Tax Policy Branch, Department of Finance, 140 O’Connor Street, Ottawa, Ontario, K1A 0G5.
 
 
 
 

Calculate your net worth

Calculate your net worth BOOKS TO READ
 
 
Money Tip –
 
 
 
Calculate your net worth
 
 
 
Written by Jim Yih11 Comments
Knowing your net worth is a very important aspect of personal finance.  How can you know if you are getting ahead financially if you have no way to track or measure your wealth?  If you want to have a benchmark for wealth, retirement or financial fitness, make sure your starting point is your net worth.I equate knowing your net worth for wealth management to knowing your weight for weight management.  Creating a net worth statement is a basic skill you should know and practice regularly.How to calculate your worth?Down below, I will give you a list of tools and resources to help you figure out your net worth but really all you need is a pen and paper.Take a piece of paper and draw a line down the middle of the page from top to bottom.  On the left side of the page write down all the assets that you think contribute positively to your financial well-being (not depreciating assets). On the other side of the page, list all your debts or liabilities. At the bottom of the page, take your total assets and subtract your total liabilities and you will have your net worth.Once you have this starting point, every year, you should redo this calculation to see if you are moving in the right direction. Understanding your net worth is the starting point to financial planning and wealth management.Personalize your net worth statementThere is no shortage of tools and resources out there to help you figure out your worth.  In my opinion, use the one that works best for you.Here’s a link to a net worth statement I give out to people who attend my financial workshops.  It’s not the best or the worst but a great starting point.Net Worth Statement (1518)Here’s a link to some excel spreadsheets.  Don’t expect much.  There’s nothing fancy about these worksheets but that’s realty the point.  It does not have to be fancy.  Incidentally, this is the spreadsheet I’ve been using for years (the long term tab).  Mine is personalized for my needs and I would encourage you to do the same for yourself.  Take this template and personalize it to your assets and liabilities.Excel spreadsheet to track net worth (1575)For those of you that prefer links to online calculators, here’s a couple to start with.o   http://www.canadianbusiness.com/my_money/planning/retirement_rrsp/net_worth_calc.htmlo   http://www.taxtips.ca/calculators/networth.htmI don’t use online calculators to calculate my personal worth so does anyone that wants to share what they have found helpful, please share in the comments.Your HomeworkIf you’ve never tracked your worth, it’s time to get started.  Using any of the strategies above, make it a priority to complete your net worth statement.For those of you who are more seasoned at this, help others by sharing he tools, calculators and strategies your use to calculate your net worth.
 
 
 
 
 
 
BOOKS TO READ
 
 

DNA Miracles Gummy Vitamins

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DNA Miracles Gummy Vitamins
What Makes DNA Miracles™ Gummy Vitamins Unique?
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
As a parent, you want to be sure about the health of your children. With DNA Miracles Gummy Vitamins, you can rest easy knowing that you’re providing your children one of the most complete children’s multivitamin formulas on the market today.
 
 
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Usually with children’s vitamins, there is a trade-off: more vitamins with a less pleasing taste, or an appealing flavor with very little nutritional value. Some children’s vitamins – especially gummies – on the market today include mere four or five vitamins.

DNA Miracles Gummy Vitamins provides your child with 23 vitamins and minerals, including 100 percent or more of the daily recommended value of 13 nutrients. Compared to its competitors, DNA Miracles Gummy Vitamins is a more complete nutritional formula of the highest quality for less cost per serving, meaning kids are getting more while parents are saving more.
 
 
 
 
In addition, while many children’s multivitamins include lots of sugar and unnecessary binders and fillers, DNA Miracles Gummy Vitamins provides your children more of what they need, and less of what they don’t. Each tasty gummy multivitamin has 1.5 grams of sugar – half the amount of leading children’s multivitamins on the market today – and contains no artificial colors or flavors.
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Parents always want to give their kids the best. With DNA Miracles Gummy Vitamins, not only can you be sure you’re doing all you can to support your children’s health, but you receive our pledge to protect your little miracle through our commitment to quality and care.
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Because Every Child is a Miracle.
 
With DNA Miracles Gummy Vitamins, you can rest easy knowing that you?re providing your children with one of the most complete children?s multivitamin formulas on the market. With 23 vitamins and minerals, including 100% or more of the daily recommended value of 13 necessary nutrients, DNA Miracles Gummy Vitamins contain only 1.5 grams of sugar ? half the amount of leading children?s multivitamins ? and is free of artificial colors and flavors. While other children?s multivitamins include lots of sugar and unnecessary binders and fillers, DNA Miracles Gummy Vitamins provide your children more of what they need, and less of what they don?t.
Primary Benefits of DNA Miracles™ Gummy Vitamins*:
·         Supports healthy immune functions
·         Supports skeletal health and growth
·         Supports healthy teeth and gums
·         Supports growth and strength of teeth and bones
·         Supports healthy growth and development
·         Supports brain health
·         Supports a healthy heart
·         Key Ingredients Found In DNA Miracles™ Gummy Vitamins:

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Vitamin A (Beta-Carotene)
Vitamin A is a fat-soluble vitamin. Sources of vitamin A include organ meats (such as liver and kidney), egg yolks, butter, carrot juice, squash, sweet potatoes, spinach, peaches, fortified dairy products and cod liver oil.

Vitamin A is also part of a family of compounds, including retinol, retinal and beta-carotene. Beta-carotene, also known as pro-vitamin A, can be converted into vitamin A when additional levels are required. Vitamin A supports the normal growth and repair of body tissue, helps to promote normal bone growth, and a healthy immune system.
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Vitamin C
Vitamin C is found in peppers (sweet, green, red, hot red and green chili), citrus fruits and brussels sprouts, cauliflower, cabbage, kale, collards, mustard greens, broccoli, spinach, guava, kiwi fruit, currants and strawberries. Nuts and grains contain small amounts of vitamin C. It is important to note that cooking destroys vitamin C activity.

Vitamin C is integral in supporting a healthy immune system, promoting cardiovascular health, helping to maintain healthy cholesterol levels and providing an antioxidant defense. The body does not manufacture vitamin C on its own, nor does it store it. Therefore, vitamin C must be acquired through diet and supplementation.
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Vitamin D3
Regular sunlight exposure is the main way that most humans get their vitamin D. Food sources of vitamin D are vitamin D-fortified milk (100 IU per cup), cod liver oil, and fatty fish such as salmon. Small amounts are found in egg yolks and liver. Vitamin D promotes the absorption of calcium and phosphorus, and supports the production of several proteins involved in calcium absorption and storage.

Vitamin D works with calcium to promote hard, strong bones. It works to promote active transport of calcium out of the osteoblasts into the extra-cellular fluid and in the kidneys, promotes calcium and phosphate uptake by renal tubules. Vitamin D also promotes the normal absorption of dietary calcium and phosphate uptake by the intestinal epithelium. It promotes healthy growth and repair of tissues, and supports overall skin health.
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Vitamin E
The most valuable sources of dietary vitamin E include vegetable oils, margarine, nuts, seeds, avocados and wheat germ. Safflower oil contains large amounts of vitamin E (about two thirds of the RDA in ¼ cup), and there are trace amounts in corn oil and soybean oil. Vitamin E is actually a family of related compounds called tocopherols and tocotrienols.

Vitamin E is available in a natural or synthetic form. In most cases, the natural and synthetic forms are identical except the natural form of vitamin E is better absorbed and retained in the body. The natural form of alpha-tocopherol is known as "d-alpha tocopherol." The synthetic "dl-" form is the most common form found in dietary supplements. For those individuals watching their dietary fat consumption, which is relatively common in the world of dieting, vitamin E intake is likely to be low, due to a reduced intake of foods with high fat content.
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The main health benefit of supplemental vitamin E comes from its immune-boosting antioxidant activity. It also supports normal healing and is known to promote cardiovascular health. Vitamin E is one of the most powerful fat-soluble antioxidants in the body. In turn, vitamin E protects cell membranes from free radicals.

Vitamin B1 (Thiamin)
Thiamin promotes carbohydrate metabolism and nerve function. Thiamin is required for a healthy nervous system and assists in the production of the neurotransmitter acetylcholine and gamma-aminobutyric acid (GABA). It is used in the manufacture of hydrochloric acid and, therefore, supports digestion, increases energy and helps promote mental clarity.

Vitamin B2 (Riboflavin)
Vitamin B2 is found in liver, dairy products, dark green vegetables and some types of seafood. Vitamin B2 serves as a co-enzyme, working with other B vitamins. It promotes healthy blood, and supports both the nervous system and normal human growth. It supports healthy growth of skin, nails, and hair. Vitamin B2 plays a crucial role in turning food into energy as a part of the electron transport chain, driving cellular energy on the micro-level. http://ca.shop.com/alikoshoppingmall/healthnutrition-a+898.xhtml  -

Vitamin B2 supports the breakdown of fats while functioning as a cofactor or helper to support the activation of B6 and folic acid. Vitamin B2 is water-soluble and cannot be stored by the body except in insignificant amounts; thus, it must be replenished daily. Under some conditions, vitamin B2 can act as an antioxidant. The riboflavin coenzymes are also important for the transformation of vitamin B6 and folic acid into their active forms, and for the conversion of tryptophan into niacin.

Vitamin B3 (Niacin)
Vitamin B3, also known as niacin, is a water-soluble vitamin that supports many aspects of health and growth. Part of the vitamin B complex, niacin supports the functioning of the digestive system, skin and nerves and is important for the conversion of food to energy. Niacin is found in dairy products, poultry, fish, lean meats, nuts, eggs, legumes, and enriched breads and cereals.
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Vitamin B6 (pyridoxal 5’ phosphate)
Poultry, fish, whole grains and bananas are the main dietary sources of vitamin B6. Vitamin B6 is a co-factor required for protein and amino acid metabolism and helps maintain proper fluid balance. It also assists in the maintenance of healthy red and white blood cells. Vitamin B6 promotes normal hemoglobin synthesis. It is involved in the synthesis of neurotransmitters in brain and peripheral nerve cells, it has been recommended as a nutrient to support mental function, specifically mood, and it supports normal nerve conduction.

Vitamin B6, when taken with folic acid, has been shown to help maintain normal plasma levels of homocysteine, which promotes optimal cardiovascular health. Vitamin B6 should be administered as a part of a complex of other B-vitamins for best results.

Folic acid
Folic acid is mainly found in fruits and vegetables. Dark, leafy greens, oranges, orange juice, beans and peas are the best sources as well as Brewer’s yeast, which supplies additional B-vitamins. Folic acid plays a key role by boosting the benefits of vitamin B12 supplementation. These two B-vitamins join forces and work together in helping to maintain normal red blood cells.

Folic acid assists in the normal utilization of amino acids and proteins as well as promoting the normal construction of the material for DNA and RNA synthesis. Scientific studies have found that when working in tandem with folic acid, vitamin B12 is capable of promoting healthy cardiovascular and nervous systems.
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Vitamin B12 (Methylcobalamin)
Vitamin B12 is naturally found in meats, liver, beef, pork, eggs, whole milk, cheese, whole wheat bread and fish. Vitamin B12 can only be found in animal products, with small amounts derived from fermented soy products, such as miso and tempeh, and peanuts. It is essential that vegetarians consume a vitamin B12 supplement to maintain optimal health.

Vitamin B12 itself is responsible for maintaining optimum energy levels, as it plays a vital role in the Krebs energy cycle. It also supports normal concentration.

Biotin
Biotin can be found in food sources, such as egg yolks, peanuts, beef liver, milk, cereals, almonds and Brewer’s yeast. Biotin promotes healthy cell growth, the production of fatty acids, metabolism of fats and amino acids. It plays a role in the citric acid cycle, which is the process in which biochemical energy is generated during aerobic respiration. Biotin not only assists in various metabolic chemical conversions but also helps to transfer carbon dioxide. Biotin is also helpful in maintaining a steady blood sugar level. Biotin is often recommended for strengthening hair and nails.

Pantothenic acid
Pantothenic acid (B5) is the transfer agent for choline to acetylcholine, which promotes proper neurotransmitter activity in the brain. Pantothenic acid is also known as the anti-stress vitamin because it detoxifies brain tissue, helps relieve physical and emotional stress and plsupports the normal secretion of hormones.

Calcium
Calcium is found in milk, cheese, yogurt, corn tortillas, Chinese cabbage (Napa), kale and broccoli. Calcium is an essential mineral with a wide range of biological roles. The skeleton has an obvious structural requisite for calcium. The skeleton also acts as a storehouse for calcium. Apart from being a major constituent of bones and teeth, calcium promotes normal muscle contraction, nerve conduction, cardiovascular health, the production of energy and helps maintain a healthy immune system.

A sufficient daily calcium intake is necessary for maintaining bone density, and maintaining healthy teeth and bones. When the body does not obtain enough calcium each day, it draws calcium from the bones causing them to thin, leading to osteoporosis.

Iodine
Iodine is found in most seafood and in iodized salt. It is a necessary component of thyroid hormones and helps regulate and maintain a properly functioning metabolism.

Magnesium
Foods rich in magnesium include unpolished grains, nuts and green vegetables. Green, leafy vegetables are potent sources of magnesium because of their chlorophyll content. Meats, starches and milk are less rich sources of magnesium. Refined and processed foods are generally quite low in magnesium.

Magnesium is a component of the mineralized part of bone, and is necessary for the metabolism of potassium and calcium in adults. It helps maintain normal levels of potassium, phosphorus, calcium, adrenaline and insulin. It is also important for the mobilization of calcium, transporting it inside the cell for further utilization. It plays a key role in the functioning of muscle and nervous tissue. Magnesium promotes the synthesis of all proteins, nucleic acids, nucleotides, cyclic adenosine monophosphate, lipids and carbohydrates.

Magnesium is required for release of energy, and it promotes the normal regulation of body temperature and proper nerve function. It helps the body handle stress, and it promotes a healthy metabolism. Magnesium works together with calcium to promote the normal regulation of the heart and blood pressure. Importantly, magnesium is also required by the body to build healthy bones and teeth, and promotes proper muscle development. It works together with calcium and vitamin D to help keep bones strong. Magnesium also promotes cardiovascular health by supporting normal platelet activity and helping to maintain normal cholesterol levels.

Zinc
Zinc is largely found in fortified cereals, red meats, eggs, poultry and certain seafood, including oysters. It is a component of multiple enzymes and proteins. It is also involved in the regulation of gene expression. Zinc is an essential trace mineral that has functions in approximately 300 different enzyme reactions. Thus, zinc plays a part in almost all biochemical pathways and physiological processes.

More than 90 percent of the body’s zinc is stored in the bones and muscles, but zinc is also found in virtually all body tissues. It has been claimed that zinc supports normal healing and the immune system. Because zinc is involved in such a great number of enzymatic processes, it has been found to support a large range of functions, including digestion, energy production, growth, cellular repair, collagen synthesis, bone strength, cognitive function and carbohydrate metabolism.

Selenium
The best dietary sources of selenium include nuts, unrefined grains, brown rice, wheat germ and seafood. In the body, selenium functions as part of an antioxidant enzyme called glutathione peroxidase, as well as promoting normal growth and proper usage of iodine in thyroid functioning. Selenium also supports the antioxidant effect of vitamin E and is often added to vitamin E supplements. As part of the antioxidant, glutathione peroxidase, selenium plays a direct role in the body’s ability to protect cells from free radicals.

Copper
The richest sources of dietary copper derive from organ meats, seafood, nuts, seeds, wheat bran cereal, whole grain products and cocoa products. Copper may have some antioxidant properties and acts as a component of enzymes in iron metabolism. It is an essential trace mineral. Copper is needed in normal infant development, iron transport, bone strength, cholesterol metabolism, myocardial contractility, glucose metabolism, brain development and immune function.

Manganese
Manganese is a mineral found in large quantities in both plant and animal matter. The most valuable dietary sources of manganese include whole grains, nuts, leafy vegetables and teas. Manganese is concentrated in the bran of grains, which is often removed during processing. There are several forms of supplementary manganese, including manganese gluconate, manganese sulfate, manganese ascorbate and manganese amino acid chelates.

Only trace amounts of this element can be found in human tissue. Manganese is predominantly stored in the bones, liver, kidney and pancreas. It supports the normal formation of connective tissue, bones, blood-clotting factors and sex hormones. It promotes normal fat and carbohydrate metabolism, calcium absorption and blood sugar regulation. Manganese also promotes normal brain and nerve function.

Chromium
Chromium is found naturally in some cereals, meats, poultry, brewer’s yeast, broccoli, prunes mushrooms, fish and beer. Chromium is an essential trace mineral that helps maintain normal blood glucose levels, and helps the body maintain of healthy blood levels of cholesterol and other fats. Chromium combines to form something in the body called glucose tolerance factor, or GTF, which promotes normal insulin activity in helping to maintian blood sugar levels.

Citrus Bioflavonoids
Bioflavonoids are antioxidants found in certain plants that act as light filters, which protect delicate DNA chains and other important macromolecules by absorbing ultraviolet radiation. They have been found to promote cardiovascular health, and help maintain healthy circulation by supporting capillaries, arteries and veins.

Boron
Boron is a mineral found at high levels in plant foods, such as dried fruits, nuts, dark green, leafy vegetables, applesauce, grape juice ,and cooked dried beans and peas. Boron is found in most tissues, but mainly in the bone, spleen and thyroid. Boron supports normal bone and hormone metabolism.

Boron supports the body’s ability to build and maintain healthy bones. It also helps retain adequate amounts of calcium and magnesium to promote proper bone mineralization. Boron is an essential cofactor for the converting vitamin D to its active form. It enhances the maintenance of healthy cell membranes, proper mental functioning and alertness, and supports normal serum estrogen levels and ionized calcium.

Vanadium
Foods rich in vanadium include black pepper, mushrooms, shellfish, parsley and dill seed. Studies have shown that vanadium helps maintain healthy blood glucose levels.
·         Frequently Asked Questions About DNA™ Miracles Gummy Vitamins:
 
Why do children need to take a multivitamin?
Everyone needs vitamins and minerals, because they help release energy from our food and help build muscle, bone, blood and other vital tissue. Children need vitamins and minerals to maintain good health and normal growth. It is important to ensure that children receive all the vitamins and minerals they need every day, especially during their growing years. The body does not store all essential vitamins and minerals, therefore some need to be supplied on a regular basis.
 
Is there a specific time of day that is recommended for taking DNA Miracles Gummy Vitamins?
In general, any time of day is fine for taking DNA Miracles Gummy Vitamins. Whether in the mornings or the evenings, DNA Miracles Gummy Vitamins can be taken with a meal or on an empty stomach. However, it is good practice to have your children take it at the same time each day to develop a routine.  

What is the serving size for DNA Miracles Gummy Vitamins? How many can my child take at one time?
While your children will love the taste of DNA Miracles Gummy Vitamins, we suggest following the recommended serving size according to the directions on the label.

What are common vitamins and minerals that often kids don’t get enough of through their diets?
Calcium, zinc and vitamins A, C and E, are some common vitamins and minerals that children generally don’t get enough of. Calcium is needed to form growing bones, and a proper calcium intake beginning at childhood can help maintain normal bone mass later in life. Zinc is a vital nutrient for proper growth and development. Vitamins A, C and E are also important vitamins during childhood and throughout life.

What are the main differences between DNA Miracles™ Gummy Vitamins, Isotonix Might-A-Mins® and Might-A-Mins Spectrum Isotonix® Multivitamin?
While Isotonix Might-A-Mins and Might-A-Mins Spectrum Isotonix Multivitamin provide their superior children’s multivitamin formulas in an isotonic solution, there are some children who prefer their vitamins in a more conventional form. DNA Miracles Gummy Vitamins provide great nutrients your children need to support their health in a convenient, fun and tasty gummy.

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Can my children take DNA Miracles Gummy Vitamins in addition to other Might-A-Mins products?
An assortment of Might-A-Mins Spectrum products – Might-A-Mins Spectrum Probiotics, Might-A-Mins Spectrum Isotonix Digestive Enzymes, Might-A-Mins Spectrum Essential Omega 3 and Might-A-Mins Spectrum Isotonix OPC-3 – can be taken in addition to DNA Miracles Gummy Vitamins.