MY BLOG
aliko-aapayrollservices.com - Small businessess from 1 to 80 employees outsource your payroll management to us and let us worry about your payroll processing.
RSS Follow Become a Fan

Delivered by FeedBurner


Recent Posts

Tax changes to expect when you’re expecting
2016 Tax Tips for 2015 Filing Year
From Proprietorship to Corporation - When is the Best Time to Incorporate?
Tax Specialists Brief your Clients About CRA Fraud And E-Mail Scams
Bank of Canada cuts rates again

Most Popular Posts

Help your teenager build credit responsibly
Being an Executor of an Estate
Anti-Aging
Student Line of Credit
Principal Residence Exemption

Categories

aliko nutrition store- isotonix
aliko payroll services
canada revenue news and videos
canadian news
CPP ,OAS RRIF ANNUITY
Cross border Tax
Disability awareness and Benefits for disabled
estate planning
FINANCIAL LITERACY
HEALTH & NUTRITION
Home Car Insurance
Income Splitting Strategies in Retirement
INVESTING
kids and money -set your children up for financial success
life insurance
on line safety tips
online safety tips
PAYROLL
Real Estate - Investments / Retirement
RETIRE HAPPY BLOG
Retirement planning
SAVE YOUR MONEY
Save your money
SERVICE CANADA NEWS
small business planning
Tax Information for Students
tax news
tax planning
tax tips.ca
Tech news
TFSA

Archives

January 2016
July 2015
May 2015
April 2015
February 2015
December 2014
November 2014
September 2014
August 2014
July 2014
June 2014
May 2014
April 2014
March 2014
February 2014
January 2014
December 2013
November 2013
October 2013
September 2013
August 2013
July 2013
June 2013

powered by

MY BLOG

July 2014

What do you think of the new Ontario Retirement Pension Plan (ORPP)

What do you think of the new Ontario Retirement Pension Plan (ORPP) -www.aliko-aapayrollservices.com
 
 
 
What do you think of the new Ontario Retirement Pension Plan (ORPP)
 
 
Written by Sean Cooper
The Ontario Liberals’ recent majority victory means the Ontario Retirement Pension Plan (ORPP) will soon be a reality. The labour market in Ontario isn’t any different from the rest of Canada – there are the pension have’s and the pension have not’s.
Targeting The Pension Have Not’s
With each passing year, the number of workers covered by a workplace pension plan dwindles. Today only one-third of workers have a workplace pension plan, leaving two-thirds of workers on their own when it comes to retirement savings. The ORPP is designed to level the playing field, providing retirement income to those without a workplace pension plan.
What is the Ontario Retirement Pension Plan (ORPP)?
The ORPP is targeted at workers in the province of Ontario earnings up to $90,000 a year, who are not covered by a workplace pension plan. The ORPP would be a forced savings vehicle designed to help those struggling to keep up with the rising cost of living save for retirement. Similar to RRSPs, the ORPP would provide employees with a tax efficient way to save for their golden years.
Not everyone is a fan of the ORPP. The Canadian Federation of Independent Business has been especially critical of the pension plan, calling it a tax on small business.  In fact, the ORPP could lead to job loss, as employers may choose to set up shop in different provinces to avoid joining the mandatory plan. When introduced, employers without a workplace pension plan will have to contribute to the ORPP, on top of Canada Pension Plan (CPP) contributions.
How Costly Will the ORPP Be for Employers?
Under the ORPP, an employer would have to match an employee’s contributions of 1.9 per cent per year in earnings up to $90,000. Similar to CPP, the maximum earnings of $90,000 covered by the ORPP will increase each year based on the CPI.
For a worker earning $45,000 annually, the employer would have to match contributions of $66 per month ($788 annually).  For a worker earning double that amount annually, $90,000, the employer and employee would each have to contribute $137 per month ($1,643 annually).
Similar to CPP, the ORPP isn’t designed to fund a worker’s entire lifestyle in retirement. Much like CPP, it’s aimed at replacing 15 per cent of an employee’s working income in retirement. The middle-class and Millennials without the benefit of a pension plan would benefit most under the plan.
Workplace Pension Plans as an Employee Retention Strategy
A job for life may no longer be a thing of the past. Job stability is near a record high – about 50 per cent of Canadian workers have been with a single employer for five years or more, according to a new report from CIBC World Markets.  In fact, the likelihood of workers remaining with their employer rises with each year of seniority, starting at 60 per cent for those on the job for a single year, rising to 95 per cent for those on the job for five years or more. This flies in the face of reports that say job hopping is the new norm.
Why are employees remaining with their employer longer than ever before? Although a mediocre job market might have something to do with it, group benefits like workplace pension plans clearly matter to workers. Over three-quarters of new hires at employers offering traditional defined benefit (DB) pension plans said the retirement program gives them a compelling reason to stay on the job, according to the Towers Watson Retirement Attitudes Survey. This doesn’t just hold true for older workers – 63 per cent of workers under age 40 said their retirement program was an important factor in accepting their job.
The ORPP will help level the playing field by forcing employers to join if they currently don’t offer a workplace pension plan. However, there’s nothing to stop employers from going above and beyond the bare minimum by offering workplace pension plans. From traditional defined benefit plans to newer Target Benefit Plans (TBPs), there is no shortage of choices. Although offering these plans may be an expensive right now, they’re likely to pay off in the long-run, as employers will have a better chance of retaining their most talented employees.
Employers Have Plenty of Time to Prepare
Although the ORPP will be an added expense for employers in Ontario, the good news is employers have plenty of time to prepare.  The Liberals don’t plan to introduce the ORPP until 2017, when federal Employment Insurance premiums are expected to be reduced. The ORPP won’t be introduced in one fell swoop – contribution rates will be phased in over two years. Enrollment will be staggered, with the largest employers enrolling first, allowing small businesses plenty of time to budget. The ORPP will be mandatory for any employer who does not offer a registered pension plan.
 

A case study on CPP combined benefits

A case study on CPP combined benefits -www.aliko-aapayrollservices.com
 
 
 
A case study on CPP combined benefits
 
 
 
 
Written by Doug Runchey
I provided calculations for a client recently, and I think his situation might provide a good example of how receiving a CPP survivor’s pension can affect the decision of when to start receiving your CPP retirement pension.
When you’re eligible for both a CPP retirement pension and a CPP survivor’s pension, you get CPP combined benefits. If you want to know more about how these CPP combined benefits are calculated, read Understanding CPP Survivor Benefits.
 John’s situation
John has been receiving a CPP survivor’s pension since his wife died three years ago. The current amount of this pension is $500 per month. He has been a maximum contributor to CPP every year since he was 18; he will turn 60 this year.
His CPP statement of contributions (SOC) indicated that his retirement pension would be $689.45 if he took it at age 60, $1,038.33 if he waited until age 65, or $1,474.43 if he waited until age 70.
John’s understanding of his choices
John knew that the above retirement pension choices from the SOC did not apply to him, due to the combined-benefit rules. He thought that combined benefits were “capped” at the maximum of a single retirement pension ($1,038.33 for 2014). So he thought that his choices were either to take a combined benefit of $1,038.33 at age 60 or continue receiving his CPP survivor’s pension of $500 until age 65 and then to take his combined benefit of $1,038.33.
In his mind, this made for a simple decision between taking his retirement pension at age 60 or 65; he thought he would always be ahead if he took it at age 60.
However, he wasn’t sure what would happen if he waited until age 70 to start his CPP, and that’s where he wanted my help.
The truth about John’s choices
The first thing I had to clarify with John was that due to the combined-benefit rules, he would only receive $976 monthly if he took his CPP at age 60, not the maximum of $1,038.33. The second thing I had to clarify was that if he took his CPP retirement pension at age 60, the combined benefit amount would be recalculated to $862.27 when he reached age 65.
Putting these two calculations together with the fact that he would continue to receive his CPP survivor’s pension of $500 monthly if he waited until age 65 to take his retirement pension, it appeared that waiting until age 65 might be a viable option. This is because the “breakeven age” for waiting until age 65 would be age 79 (this is the point in time that the total dollar payout of CPP under the two choices is equal).
The whole truth about John’s choices
The final thing that I had to clarify with John was what he would receive if he waited until age 70 to started receiving his CPP retirement pension. This is where he was really surprised.
If John waited until age 70 to start receiving his CPP retirement pension, his combined benefit at that time would be $1,474.43. In the meantime, he would continue receiving his CPP survivor’s pension of $500.00 until age 65, at which time it would be recalculated to $514.33 and continue at that rate until he applied for his retirement pension at age 70.
The breakeven age for this choice compared to taking it at age 60 would be age 77, which is even earlier than the age-65 breakeven age calculated above.
Summarizing John’s choices
1.        John could start receiving his retirement pension at age 60. He would receive a combined benefit of $976 from age 60 to age 65, at which time it would be recalculated to $862.27.
2.       John could start receiving his retirement pension at age 65. At that time he would receive a combined benefit of $1,038.33, and in the interim he would continue to receive his survivor’s pension of $500.
3.       John could start receiving his retirement pension at age 70. At that time he would receive a combined benefit of $1,474.43. In the interim he would continue to receive his survivor’s pension of $500 until age 65, at which time it be recalculated to $514.33.
From a total payout perspective:
·         If he doesn’t live past age 76, he is better off taking his CPP at age 60.
·         If he lives at least until age 77, he is better off taking his CPP at age 70.
·         Taking his CPP at 65 is never the optimal age, when compared to the other two choices.
Conclusion
The combined benefit rules are an important factor in deciding when to start receiving your CPP retirement pension. If you are receiving a CPP survivor’s pension and are trying to decide when to take your own CPP retirement pension, know what your true choices are.
Note that the above breakeven calculations were accurate in John’s situation, but may not apply to you if the amount of your survivor’s pension and/or if your retirement pension choices are different from the above amounts.
If you are in this situation, and want to find out more about your choices, contact me at DRpensions@shaw.ca. I can calculate (for a fee) what your combined benefit would be at the various ages, along with the breakeven ages for each choice.
 
 
 
 
 

Ontario moves ahead with ORPP

Ontario moves ahead with ORPP -www.aliko-aapayrollservices.com
 
 
 
 
 
Ontario moves ahead with ORPP
July 30, 2014
 
 
The Government of Ontario is moving ahead with its mandatory provincial pension plan, the Ontario Retirement Pension Plan (ORPP), after the provincial budget received royal assent last week.
“The federal government has consistently refused to commit to an enhancement of the CPP, so Ontario is leading the way with the ORPP,” says Associate Minister of Finance Mitzie Hunter. “Without help, that future is discouraging for many, especially since two-thirds of Ontario workers don’t have access to a workplace pension and many are unable to save enough on their own to provide for a secure retirement.”
The province says the ORPP will:
  • Provide a predictable stream of income that is indexed to inflation and paid for life in retirement.
  • Be mandatory for the more than three million Ontarians without a workplace pension plan, and require equal contributions from employees and employers.
  • Operate at arm’s length from government and be responsible for managing investments associated with annual contributions of approximately $3.5 billion.
  • Support long-term economic growth as pension payments from the ORPP would help people maintain their standard of living in retirement and continue spending.
  • Be developed in consultation with pension experts, business, labour, individuals, families and communities across the province in order to ensure that a broad range of perspectives is heard.
The ORPP aims to provide a replacement rate of 15% of an individual’s earnings, up to a maximum annual earnings threshold of $90,000.
Contributions will be shared equally between employers and employees and not exceeding 1.9% each (3.8% combined) on earnings up to a maximum annual earnings threshold of $90,000. The ORPP maximum earnings threshold would increase each year consistent with increases to the CPP’s maximum earnings threshold.
Since the provincial plan is intended to assist individuals most at risk of undersaving, particularly middle-income earners without workplace pensions, those already participating in a comparable workplace pension plan would not be required to enroll in the ORPP.
The ORPP would be introduced in 2017 to coincide with the expected reductions in Employment Insurance premiums.
 
 
 
 
 
 
 

What do you think of the new Ontario Retirement Pension Plan (ORPP)

What do you think of the new Ontario Retirement Pension Plan (ORPP) -www.aliko-aapayrollservices.com
 
 
 
What do you think of the new Ontario Retirement Pension Plan (ORPP)
 
 
Written by Sean Cooper
The Ontario Liberals’ recent majority victory means the Ontario Retirement Pension Plan (ORPP) will soon be a reality. The labour market in Ontario isn’t any different from the rest of Canada – there are the pension have’s and the pension have not’s.
Targeting The Pension Have Not’s
With each passing year, the number of workers covered by a workplace pension plan dwindles. Today only one-third of workers have a workplace pension plan, leaving two-thirds of workers on their own when it comes to retirement savings. The ORPP is designed to level the playing field, providing retirement income to those without a workplace pension plan.
What is the Ontario Retirement Pension Plan (ORPP)?
The ORPP is targeted at workers in the province of Ontario earnings up to $90,000 a year, who are not covered by a workplace pension plan. The ORPP would be a forced savings vehicle designed to help those struggling to keep up with the rising cost of living save for retirement. Similar to RRSPs, the ORPP would provide employees with a tax efficient way to save for their golden years.
Not everyone is a fan of the ORPP. The Canadian Federation of Independent Business has been especially critical of the pension plan, calling it a tax on small business.  In fact, the ORPP could lead to job loss, as employers may choose to set up shop in different provinces to avoid joining the mandatory plan. When introduced, employers without a workplace pension plan will have to contribute to the ORPP, on top of Canada Pension Plan (CPP) contributions.
How Costly Will the ORPP Be for Employers?
Under the ORPP, an employer would have to match an employee’s contributions of 1.9 per cent per year in earnings up to $90,000. Similar to CPP, the maximum earnings of $90,000 covered by the ORPP will increase each year based on the CPI.
For a worker earning $45,000 annually, the employer would have to match contributions of $66 per month ($788 annually).  For a worker earning double that amount annually, $90,000, the employer and employee would each have to contribute $137 per month ($1,643 annually).
Similar to CPP, the ORPP isn’t designed to fund a worker’s entire lifestyle in retirement. Much like CPP, it’s aimed at replacing 15 per cent of an employee’s working income in retirement. The middle-class and Millennials without the benefit of a pension plan would benefit most under the plan.
Workplace Pension Plans as an Employee Retention Strategy
A job for life may no longer be a thing of the past. Job stability is near a record high – about 50 per cent of Canadian workers have been with a single employer for five years or more, according to a new report from CIBC World Markets.  In fact, the likelihood of workers remaining with their employer rises with each year of seniority, starting at 60 per cent for those on the job for a single year, rising to 95 per cent for those on the job for five years or more. This flies in the face of reports that say job hopping is the new norm.
Why are employees remaining with their employer longer than ever before? Although a mediocre job market might have something to do with it, group benefits like workplace pension plans clearly matter to workers. Over three-quarters of new hires at employers offering traditional defined benefit (DB) pension plans said the retirement program gives them a compelling reason to stay on the job, according to the Towers Watson Retirement Attitudes Survey. This doesn’t just hold true for older workers – 63 per cent of workers under age 40 said their retirement program was an important factor in accepting their job.
The ORPP will help level the playing field by forcing employers to join if they currently don’t offer a workplace pension plan. However, there’s nothing to stop employers from going above and beyond the bare minimum by offering workplace pension plans. From traditional defined benefit plans to newer Target Benefit Plans (TBPs), there is no shortage of choices. Although offering these plans may be an expensive right now, they’re likely to pay off in the long-run, as employers will have a better chance of retaining their most talented employees.
Employers Have Plenty of Time to Prepare
Although the ORPP will be an added expense for employers in Ontario, the good news is employers have plenty of time to prepare.  The Liberals don’t plan to introduce the ORPP until 2017, when federal Employment Insurance premiums are expected to be reduced. The ORPP won’t be introduced in one fell swoop – contribution rates will be phased in over two years. Enrollment will be staggered, with the largest employers enrolling first, allowing small businesses plenty of time to budget. The ORPP will be mandatory for any employer who does not offer a registered pension plan.
 

It’s Important to Teach Your Children About Money

It’s Important to Teach Your Children About Money www.aliko-aapayrollservices.com
 
 
 
It’s Important to Teach Your Children About Money
 
 
Written by Jim Yih
There is a lack of financial education in Canada and for some reason, parents avoid talking to their children about money. In one study more than 1/3 of parents do not discuss money with their kids. When did we decide that money talk was a taboo in the household?
Why don’t parents talk to their children about money?
Who really knows, but here are some different thoughts on the question. Do you fit into any of these categories?
1.       Parents don’t know how to manage money very well themselves. As a result, they can’t get a handle on what to tell their kids. If parents are living paycheck-to-paycheck, building debt on charge cards and home equity loans, and not saving for the long term, how can they help their children structure a financial plan?
2.       Parents aren’t practicing what they ought to be preaching. If parents are not using self-discipline by setting a good example for their kids, how can they hold their kids to a higher standard than they hold themselves? Modeling behavior takes a serious commitment. The fact is, savings rates are decreasing in Canada and personal debt levels are rising. It’s tough to teach our kids if we can’t be models of our own lessons.
3.       Their parents didn’t talk to them about money. It’s the ongoing cycle. If we as parents never learned it from our parents, how can we talk to our own kids about money? Money skills are not taught in school and maybe they should be. After all, it’s a skill we all need. If we don’t learn it at school and our parents never taught us, then where do we learn how to manage money?
How do we teach our children about money?
Being a parent of, I often sit at the dinner table talking to my boys about money issues. It’s kind of funny that I teach adults about money but when it comes to my own kids, I find it difficult to know the best way to teach them about personal finance.
I’ve done a lot of reading on this area and there are lots of interesting ideas out there. I suggest asking other parents that have had some successes at teaching their kids about money. Here are some of my thoughts and philosophies:
·         Start young. By the age of three, most kids start to become curious about money and how it works. This makes it an ideal time to model good spending habits. I was surprised to hear that many older preschoolers will want to start saving money. Get kids to open bank accounts as early as possible so they can watch and track the value of their money.  We have lots of great discussions about their bank accounts.
·         Teach through allowance. Provide an allowance so that they can have an income of their own in order to learn their own real-life money management lessons. Encourage them to save and spend. Even as adults, we need incentives to save like matching plans from employers, tax breaks for RRSPs. Factor in an incentive program to save with their allowance.  Here are some articles I’ve written on allowance
·         Get them thinking about budgets. As they get older, kids become full-fledged consumers and are ready to start learning how to make good spending choices. If you think your child is ready, put budget constraints on their choices. Help them to understand compromise and limited spending. Teach them to look for deals. If they buy that $10 toy now, it might take them longer to save up for that ipod.  Let them make mistakes on their own.
·         Get them investing early. It’s never too early to invest. In fact, the sooner, the better. Studies have shown it matters less what you invest in and more on the fact that you are investing on a regular disciplined basis. Pick a stock that they might understand like NIKE or DISNEY. Pick a balanced mutual fund or for the really conservative person, use a basic money market account. Let them track these investments and get them into habits early.
·         Help them understand the consequences of debt. Our society today is a society that has abused debts. It is so easy to borrow to spend these days and this concept of immediate gratification and delayed consequence is a dangerous one. As they get older make sure they understand how to avoid and manage debt effectively. Remember, you have to practice what you preach to be effective at this lesson.
The bottom line
Kids learn about money in two different ways: though their own experience and from watching their parents. Set your children up for financial success by grounding them in positive experiences and by being the good model they need. The best thing you can do is lead by example.
 
 
 
 
 

Is Investing in a University Education a Good Idea?

Is Investing in a University Education a Good Idea? www.aliko-aapayrollservices.com
 
 
Is Investing in a University Education a Good Idea?
 
 
Written by Sarah Milton
 
 
“The only thing that interferes with my learning is my education.” – Albert Einstein
Not so long ago, a university education was recognized as the best route to a well-paying job. The cost of earning that degree was justifiable because it opened doors to careers that were unavailable to people without a degree and it created the opportunity to make a lot more money during your working lifetime. Today, with students graduating with tens of thousands of dollars of debt (the average student owes $26,000 by graduation) and with many graduates struggling to find well-paid jobs in their field, it’s not surprising that a debate is raging over the value of education. For certain career paths such as teaching, medicine, law and engineering, a university degree is the only way in and for a person who is sure of their career choice and who is driven to succeed in their chosen field, the rewards often justify the cost of their education. However, when far too many graduates find themselves with nothing to show for their degree, except a large amount of debt that they are struggling to pay, maybe we need to change the way we view and approach further education.
Do You Know What You Want To Do?
2007 study by Warren Clark found that 95% of parents with children under 19 believed that education after high school was ‘important’ or ‘very important’. Increasingly, parents assume that their children will continue their education after high school and I’ve noticed when talking to parents who have teenagers in Grade 12 that often the decision to go to university has less to do with their teen’s chosen career path and more to do with the parents’ fear that if they don’t stay in education they will be doomed to a lifetime of working for minimum wage. This might sound like an exaggeration but I hear these fears expressed on a regular basis by friends who are trying to convince their kids not to take a year off between finishing high school and going on to further education. Their big fear is that once the child leaves school and get a taste of the real world, they will never go back. It doesn’t matter that their teens aren’t motivated to spend another three years in education or that they have no idea what they want to study, their parents would rather invest $8000 a year in keeping them in education to “save” them from the possibility they might end up working a job that isn’t suitable.
In an age where the transition from childhood to adulthood is much longer than it was 30 years ago, it seems unfair to expect a 17/18 year old to make a decision about which career path they want to pursue when they have so little experience of the world and the opportunities that exist in it. Rather than shepherding them into the safety (and expense) of the university cocoon, wouldn’t it be better to help them find a job that would allow them to gain some workplace skills and earn some money that they could put towards a degree if and when they decide which path they want to take?  It’s worth remembering that not every career path requires a degree and not every degree is acceptable for a chosen career. All too often, students choose a general degree path because they don’t know exactly what they want to do. By the time they’ve figured it out, they find themselves in a situation where they’re already thousands of dollars in debt and now they need to take additional courses or start over in order to get the qualifications they actually need.
What Other Opportunities Are Out There?
We put a lot of pressure on our young people to figure out what it is they want to do with their lives so that they can get out into the world and start doing it. The reality is that the world has changed a great deal over the past 20 years. Advances in technology and changes in the way our world operates mean that there are a multitude of career options available to young people now that simply didn’t exist when their parents were in High School. We live in a country with an abundance of graduates and a shortage of health professionals and engineers; a country that needs to attract talent from overseas in order to fill a variety of job vacancies that not enough Canadians are qualified to fill. Perhaps, instead of encouraging our young people to follow a path that was carved out decades ago, we should encourage them to look for the opportunities that exist in the world around them and to choose a career path that not only excites them but will reward them financially too. Pursuing further education can be an extremely expensive venture and it’s one too many young people are embarking on without enough thought for how they will pay for it or what they will do when it’s over.
As an individual with a passion for education, I strongly believe in the value of continuing education and the benefits that having an educated workforce brings to a country. However, I also believe that our continuing education system has become extremely profitable for the universities, colleges and the financial institutions at the expense of the students who wander through the doors simply because they don’t know where else to go. Too many young people (and their parents) are paying the price for education and not seeing the rewards that they expected. Our children are our future; we should invest their time, talents and finances accordingly.
 
 
 
 
 
 
 
 
 

Are your retirement expectations too high?

Are your retirement expectations too high?
Are your retirement expectations too high? -www.aliko-aapayrollservices.com
Written by Donna McCaw
 
 
 
 
“Change is the law of life.  And those who look only to the past or the present are certain to miss the future.” - John F. Kennedy
Many Baby Boomers have very high expectations for their retirements!  These may be fueled by Freedom 55 type ads, or stories from retirees of the Good Life of travel, relaxation, fun, and a low stress lifestyle.  Their high expectations may not become reality given a real lack of planning, financial or otherwise.
Retirement expectations and priorities
Polls of Boomers reveal that, when they compare themselves to their parents, they have a rosy picture of their retirements.  They expect to be more active than their parent’s generation or at least 62% do, while 54% expect to be better off financially, 44% expect to be retired longer and 41% expect to be healthier.  The latter are not pie in the sky as longevity rates are on an upward trend.  Canada’s rank in the G7 countries is third, tied with France, with B.C. the highest with 81.7 average life expectancy from birth, Ontario is at 81.5 and the lowest is the Yukon, Northwest Territories and Nunavut at 75.1.  Being more active is a part of this as is good nutrition and health care.
The top three priorities for Boomers contemplating retirement  are to live comfortably say 37%, to maintain the good health to enjoy that lifestyle say 31% and to travel say 15%.  However, many of us are not making decisions or choices to make those priorities a reality.  We are not behaving in such a way as to make it happen.
Retirement planning is key
Remember the A Team?  They were an odd ball collection of personalities and skills working together to make their dare devil and off the wall plans work.  Only about half of Boomers are doing any planning and most of that planning is only financial in nature.  When asked about their planning, 29% said they were saving money, 22% were putting some money into RRSPs, and 13% had some form of investment.  No one mentioned planning for their lifestyle, healthy living, building social networks outside of work or any of the other aspects this major transition brings.
A Scotiabank Retirement Study found that 39% of Baby Boomers think that retirement planning should start when people go into the workforce, but only 9% of them had actually done that.  Most do not start planning of any kind until they are in the last years of their careers.  The Globe and Mail (June 16, 2014) called the result of this study Baby Boomer Remorse.
When asked specifically about financial planning, 31% had done some and 15% had done none or little.  That is also about half that have not really done the financial planning that is required to make their plans possible. Some anticipate dying in debt and 44% are concerned about outliving their savings. According to a Nielson poll, 24% for those from age 45 to 64 have not started their retirement savings.  Better to get some reality therapy with an objective look at the financial picture now to take the steps to make that retirement vision come true.
Among those Boomers who are still working, 15% plan to just keep on working,  and 40% are working past their retirement dates with 84% of those working part-time.  Some keep working because they choose to while others need to supplement their incomes to maintain their lifestyles.  If the planning does not match the expectations, it becomes a pie in the sky scenario.  Maybe the lottery?
 
 
 
 
 

Seniors Get a Raise

Seniors Get a Raise -www.aliko-aapayrollservices.com
 
 
 
Seniors Get a Raise
 
 
 
Old Age Security and the Guaranteed Income Supplement are indexed quarterly based on changes to the consumer price index. As of July 2014, the amounts are increased by 1.28%.
 
 
Adjustments in January were tiny (55 cents a month increase) and there was no increase at all in April. However, as of the July payments, OAS recipients will receive an additional $7.17 per month; up to $558.71 from $551.54. Of course, higher-income seniors may have to repay some (or all) of this raise. If their 2014 net income exceeds the $71,592 base amount they’ll have to repay the lesser of the OAS they receive and their net income over the base amount. Once net income exceeds about $116,000 the OAS is fully clawed back.
Low-income seniors will also receive the 1.28% raise. The following table shows the third quarter rates (July to September 2014) and the maximum income level from the previous calendar year (2013) to qualify.
 
 
 

Canada Revenue Agency/Ontario Government Implement Personal Tax

wwwwCanada Revenue Agency/Ontario Government Implement Personal Tax
 
 
 
 
Canada Revenue Agency/Ontario Government Implement Personal Tax
Increases Retroactive to January 1, 2014 for Employees Earning over
$150,000
 
 
 
 
Key Points
Increased taxes for employees earning more than $150,000 to be implemented through
higher payroll tax deductions from September to December and/or on 2014 tax returns
CRA publishes revised Ontario tax tables to implement retroactive Ontario tax increases
for employees earning over $150,000
CRA agrees to no penalty approach for employers
Discussion points for payroll staff and management: Who will be impacted and how?
Next Steps for Payroll Staff
Most employees earning over $150,000 will have a 3% or 6% increase in their Ontario taxes on
regular pay from September to December, 2014.
Background
Increased taxes for employees earning more than $150,000 to be implemented through higher
payroll tax deductions from September to December and/or on 2014 personal tax returns
On May 1, 2014 the Ontario government tabled a provincial budget that introduced higher personal
income tax rates for individuals earning over $150,000. These tax increases were to be retroactive to
January 1, 2014. This budget was defeated, triggering a provincial election. The current Liberal
government was elected with a majority on June 12, 2014 and re-introduced the budget which passed
July 24, 2014 with the same tax rate changes and retroactivity to January 1, 2014.
Current 2014 Ontario tax rates and
income thresholds
New 2014 Ontario tax rates and
income thresholds
Annual taxable income
($)
From – To
Provincial
tax rate (%)
Annual taxable income
($)
From – To
Provincial
tax rate (%)
0 to 40,120 5.05% 0 to 40,120 5.05%
40,120 to 80,242 9.15% 40,120 to 80,242 9.15%
80,242 to 514,090 11.16% 80,242 to 150,000 11.16%
514,090 and over 13.16% 150,000 to 220,000 12.16%
220,000 and over 13.16%
Prior to the Ontario Government’s July budget, the Canadian Payroll Association (CPA) had been
discussing various implementation scenarios for these proposed income tax rate and threshold
changes with the Canada Revenue Agency (CRA) and the Ontario Ministry of Finance.
2
Legislative Briefing: Ontario Personal Tax Changes
The purpose of our discussions was to advise government officials on the efficiency and compliance
implications for employers and payroll systems providers of mid-year changes and the complications
with retroactive adjustments in particular. While January 1 and July 1 income tax table updates are
expected and planned for, income tax changes at other dates require additional resources and
processes. Most government budgets are tabled in the spring, and the CRA and provinces have a tax
collection protocol that results in these changes being made using a July 1 tax table release. The
CPA has advocated strongly that these dates be honoured to provide employers, payroll service and
software providers, as well as governments, sufficient time to program payroll systems, then test and
implement changes to support compliance and efficiency. Because the Ontario budget was reintroduced
and passed on July 24, 2014, a July 1 income tax table change and resulting processes
are no longer possible.
The CPA made a number of suggestions to the CRA and the Ontario Ministry of Finance on how
employers could implement and comply with these unusual changes in an efficient and effective
manner while being fair to affected employees and protecting employers from compliance problems
and penalties. Suggestions included waiting to implement the tax rate changes until January 2015 or
enabling those affected to pay the retroactive amounts when filing their 2014 T1 personal tax return.
The Ontario government stood to forego $635 million in tax revenue by delaying the tax increases until
2015, and advised of the need to proceed with implementing the personal tax increases retroactive to
January 1, 2014. As a result, the CRA needed to determine how best to administer the rate increases
within the context of the Federal/Provincial Tax Collection Agreement that has been in place for
decades. The CRA has decided that it must apply the new tax rate by implementing a higher tax rate
in payroll deductions from September 1 to December 2014 to capture the amount of tax due from
January 1, 2014.
The majority of payroll service providers and software companies have a contractual obligation to use
the most current tax tables for their clients (employers) payroll processes.
Impact on Net Pay
CRA publishes revised tax tables to implement retroactive Ontario tax increases
The personal tax rate increases in the Ontario budget is 1% for earnings of $150,000 to $220,000
and 2% for $220,000 to $514,090. Because the tax increases are effective January 2014 but
implemented for only the last 4 months of 2014, the new CRA tax tables will result in these
employees having a 3% or 6% increase in their Ontario tax deduction on regular pay from
September to December, 2014. For employees who will reach this salary range between
September and December, the tax increase will not be retroactive.
The CPA is advising members and stakeholders that within this context, the CRA has agreed to some
of the CPA’s implementation suggestions and has posted the following on its website under “What’s
new for payroll”.
3
Legislative Briefing: Ontario Personal Tax Changes
Message on “What’s new for payroll” webpage
Payroll tables
The Canada Revenue Agency (CRA) will publish a September 1, 2014 version of the Ontario payroll tables
to incorporate proposed increases to personal income tax rates tabled in the Ontario budget on July 14,
2014. As the proposed changes are retroactive to January 1, 2014, the revised tables will reflect the
necessary prorated tax rates to allow employers to withhold the correct additional amounts from
employees between September and the final pay of 2014. The changes to the tables apply to employees
who earn more than $150,000 in 2014.
The September 1, 2014, version of Guide T4127, Payroll Deductions Formulas for Computer Programs is
now available on the CRA website.
The updated payroll deductions online calculator and the electronic version of the T4008 Payroll
Deductions Supplementary Tables and T4032 Payroll Deductions Tables for Ontario will be available on
our website by mid-August.
The paper and CD version of the T4032 will be available by the end of August.
Message on “T4127, Payroll Deductions Formulas for Computer Programs” webpage
Notice to the reader
The September 1, 2014, version of Guide T4127, Payroll Deductions Formulas for Computer Programs,
contains adjustments for proposed increases to personal income tax rates tabled in the Ontario budget on
July 14, 2014. The proposed changes are retroactive to January 1, 2014, and the revised tables reflect
prorated tax rates to allow employers to withhold the correct additional amounts from affected employees
between September and the final pay of 2014. The changes to the tables apply to employees who earn
more than $150,000 in 2014.
The CRA normally requires employers to withhold and remit income taxes in line with current rates, but
because of the complexities and timing of the Ontario budget measures it is recognized that these income
tax changes will be implemented on a best-effort basis where practical, in full appreciation of the different
payroll systems and administrative capacities of employers. Employers will not face penalties for failing to
withhold as a result of the Ontario budget measures introduced on July 14, 2014.
Employees whose employers are unable to change their payroll systems or processes on time can ask
their employers to increase withholdings from September to December 2014. This could reduce the
amount the employees owe when they file their 2014 income tax and benefit return.
Employers are encouraged to discuss these changes with affected employees.
4
Legislative Briefing: Ontario Personal Tax Changes
Implications/Points for Discussion between Payroll Staff and Management
Who will be impacted and how? Is the system change possible for September? What are the
next steps for payroll deductions?
The CPA’s advocacy goal is to increase the efficiency and effectiveness of payroll related legislation
and administration for all stakeholders - it does not advocate for higher or lower taxes. The majority of
payroll service and software providers have advised the CPA they will make the programming
changes required by September 1, 2014 to enable employers and Ontario employees affected to
comply with the higher tax rate.
The new tax table’s catch-up rate will deduct, in payroll processing, most of the additional tax liability
(approximately $485 million collectively) for those affected. A reduction in net pay ─ due to these
higher taxes ─ will reduce the possibility of a tax liability when the employee files their personal tax
return.
The CRA states, “Where employer payroll systems or processes are not changed, employees could
request employers to increase withholdings from September to December 2014 in an effort to reduce
an amount owing on filing of their 2014 tax return.” For these organizations, the CRA will enable
employees to request the additional taxes using Ontario TD1s effective from September to December
2014 and make any final payments owing on the T1 personal tax return.
This CRA/Ontario government approach will be efficient and effective for most stakeholders
(government, employers, payroll software companies, payroll service bureaus, outsourcing
organizations and employees) because:
 The personal tax rate changes only apply to fewer than 2% of Ontario employees but require
system-wide reprogramming for employers and the government.
 Payroll systems are based on the CRA’s T4127 guide that has one prescribed tax rate for each
specific income threshold, so there can be no variability among employees within each
organization.
 For employers/organizations with in-house or off-the-shelf systems, and/or other constraints,
they have the option to not change or use the revised tax rates, and continue with the existing
rates. High income earners should be encouraged to request additional income tax using an
Ontario TD1.
 Employers using manual tax tables or the CRA’s Payroll Deduction Online Calculator (PDOC)
will have access to the new versions by mid-August.
Employers should be ready for questions from Ontario employees earning over $150,000 as their pay
cheques for the months of September to December 2014 will be lower when payroll systems are
programmed with the new tax rates.
For your benefit as a member of the Canadian Payroll Association, we suggest you share this Ontario
tax rate briefing with senior management, and initiate a discussion about the impact on employees
earning over $150,000 to explain the situation and identify the implications for them as employees and
you as the person responsible for the organization’s payroll compliance with government regulations.
5
Legislative Briefing: Ontario Personal Tax Changes
Next Steps for Payroll Staff
Scenario 1: You have asked and received confirmation from your Payroll Service or Software
Provider (PSSP) or your Information Systems staff that your payroll system will be updated with the
revised Ontario income tax tables effective September 1, 2014.
Step 1: Notify senior management of the implication for Ontario employees who earn over $150,000 of
the increases to their personal income tax rates by providing a copy of this CPA briefing.
Step 2: Suggest to senior management that the organization provide a copy of this CPA briefing to all
Ontario employees earning over $150,000. A French copy of this briefing is available.
Step 3: Remind affected employees that the payroll system will only calculate additional taxes for their
employment income and that the Ontario personal tax increases also apply to other sources of income
such as investment and rental income. Offer those employees the opportunity to request additional taxes
from September to December 2014 using an Ontario TD1 (TD1ON) to reduce a potential tax liability on
their taxable income when they file their T1 personal income tax return. (Suggest a discussion with a
financial advisor or tax expert.)
Step 4: Process any requests for additional income tax and set a reminder to cease additional taxes for
the first pay period of 2015 (or set the amount back to the amount that the employee had prior to this
transitional increase).
Scenario 2: You have asked and received confirmation from your Payroll Service or Software
Provider (PSSP) or your Information Systems staff that your payroll system will NOT be updated with
the Ontario income tax tables effective September 1, 2014.
Step 1: Notify senior management of the impact on Ontario employees who earn over $150,000 of the
increases to their personal income tax rates by providing a copy of this CPA briefing.
Step 2: Suggest to senior management that the organization provide a copy of this CPA briefing to all
Ontario employees earning over $150,000. A French copy of this briefing is available.
Step 3: Advise affected employees that they will likely have a tax liability when they file their T1 personal
income tax return. Offer to calculate the additional taxes that would have been deducted each pay period
by using the September versions of either the CRA’s Payroll Deductions Online Calculator (PDOC) or the
T4032 Payroll Deductions Tables for Ontario based on your employee’s payroll frequency (monthly, semimonthly,
bi-weekly, weekly). Both of these CRA publications will be updated with the new Ontario rates
by mid-August.
Step 4: Offer affected employees an Ontario TD1 (TD1ON) to request additional income taxes from
September to December 2014 to reduce a potential tax liability on their taxable income when they file
their T1 personal income tax return. (Suggest a discussion with a financial advisor or tax expert to
discuss the additional impact of other sources of income such as investment and rental income.)
Step 5 (Optional): Ask employees who reject the offer of deducting additional taxes to complete a written
acknowledgement form that you notified them of the tax increases and that they did not authorize
additional taxes be deducted. (You may use the acknowledgement form provided at the back of this CPA
briefing.)
Step 6: Process any requests for additional income tax and set a reminder to cease additional taxes for
the first pay period of 2015 (or set the amount back to the amount that the employee had prior to this
transitional increase).
6
Legislative Briefing: Ontario Personal Tax Changes
Conclusion
The Canadian Payroll Association is fundamentally opposed to retroactive adjustments to payroll
requirements because these cause administrative, compliance and financial burdens on employers,
employees and government, and result in costs, confusion and frustration for everyone.
However, the CPA respects the decisions of the Ontario government and the CRA to enable
employers and employees to most efficiently and effectively comply with the tax changes by:
 revising the tax tables for payroll remittances so that the majority of the tax increase for those
affected will be implemented using the existing process, while
 being flexible and enabling employers to assess the implications on their systems and
implement the changes on a best efforts basis with no penalties for employers who do not
make the payroll system changes in the short time period now available.
7
Legislative Briefing: Ontario Personal Tax Changes
Appendix 1
Employee Acknowledgement Form
I, ___________________________, acknowledge receipt from my employer that the
(print name)
payroll system has not been updated with the Ontario personal income tax increases and that
I will be responsible for any personal income tax liability on my taxable income when I file my
personal income tax return.
____________________________ __________________________
(signature) (date)
8
Legislative Briefing: Ontario Personal Tax Changes
Appendix 2
Previous Experience
The CPA’s previous advocacy experience on a similar situation
This is not the first time that the CPA has advocated on behalf of employers with the CRA and a
provincial government when the latter legislated income tax changes after July 1. In 2001, the Ontario
government lowered income tax rates effective October 1 of that year. The CRA and Ontario Ministry
of Finance asked for the CPA’s input on how to implement the changes in an efficient manner. At the
time, the CPA got involved and pointed out that:
 The tax rate changes were relatively small.
 Employees would benefit from the decrease when filing their personal tax returns if their
employers’ payroll system had not changed.
 It would cost millions of dollars for employers to implement system changes for three months.
It was therefore agreed that the adjustment to payroll system changes would be made on a best
efforts basis. Most of the payroll service and software providers made the changes, while many
smaller employers or those with in-house systems did not make the changes but advised their
employees that they would receive the benefit when they filed their T1 (personal return).
The key differences between the previous Ontario tax adjustment in 2001 and the current situation
are:
 This is a tax increase on employees earnings more than $150,000, which represents fewer
than 2% of all employees, while in 2001 it was a small tax decrease for everyone i.e., across
all employment income thresholds.
 This adjustment is for a full year with 8 months’ retroactive and 4 months going forward
compared to a reduction for 3 months for the remainder of the year in 2001.
 The Ontario government just won an election on June 12 with a budget that included this
personal tax increase on income earners over $150,000 and which has been known since
May.
 The province of Ontario has a big deficit and is being encouraged by most stakeholders to
reduce it.
Financial planners, accountants and media stories have already advised the higher income earners
affected to seek advice from professional finance and tax planners to determine if, and how, to deal
with any personal tax liabilities.
 
 
 
 
 
 
 
 
 
 
 
 
 
w

Aliko nutrition store -Isotonix Coenzyme Q10

Aliko nutrition store -Isotonix Coenzyme Q10
 
Aliko nutrition store -Isotonix Coenzyme Q10
 
 
 
 
Coenzyme Q10 (CoQ10) is a nutrient that plays a vital role in health maintenance. As individuals age, the ability to synthesize CoQ10 begins to decline. Sometimes, this is due to poor eating habits or stress, but the main challenge for most people is the ability to choose the right foods containing CoQ10 as well as get additional nutrients needed to manufacture CoQ10 in the body. Isotonix CoQ10 contains 100 mg of Coenzyme Q10 to support and maintain cardiovascular health.


Additional research shows that CoQ10 can also support cellular energy production and provide even more benefits for the heart and cardiovascular system. In addition to scientific evidence for the benefits of Coenzyme Q10, Isotonix CoQ10 also boasts absorption and efficiency, due to its isotonic fluid, which helps the nutrients to be absorbed into your system quickly.
http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360

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 an isotonic state.
http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360

Isotonix dietary supplements are delivered in an isotonic solution. This means that the body has less work to do to in obtaining maximum absorption. The isotonic state of the suspension allows nutrients to pass directly into the small intestine and be rapidly absorbed into the bloodstream. With Isotonix products, little nutritive value is lost, making the absorption of nutrients highly efficient while delivering maximum results.
http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360

Since the antioxidants are in an isotonic solution, it minimizes the chance that important nutrients will be trapped by fats, fibres and tannins, or inactivated by a highly acidic pH level.
FOR A HEALTHY, HAPPY HEART!

Isotonix Coenzyme Q10 has gone above and beyond the typical Co-Q10 formulation not only by providing this important nutrient in its most highly bioavailable form or fast but controlled Isotonix delivery system, but by pairing it with the key vitamins that assist in its function. Free of fillers and artificial ingredients, this pure and powerful combination provides a catalyst for some of the most vital functions including supporting and maintaining cardiovascular health, antioxidant protection among other benefits.  One capful provides 100 mg of coenzyme Q10, you would have to eat 6 pounds of beef every day to get the equivalent amount of coenzyme Q10 from your diet. Each capful also provides vitamin E which supports the activity of CoQ10, and it also contains lipase.
·         Helps to support and maintain cardiovascular health
·         An antioxidant for the maintenance of good health
·         Contains 100 mg of Coenzyme Q10
Research shows that CoQ10 is important for the following*:
       Supports cellular energy production
       Supports healthy CoQ10 levels
       Provides antioxidant protection for the cardiovascular system
       Enhances traditional support of cardiovascular health
       Helps maintain normal blood pressure
       Helps maintain heart muscle strength
       Helps maintain healthy cholesterol levels
       Promotes head comfort
       Supports muscle endurance
       Boosts the immune system
       Coenzyme Q10
Coenzyme Q10 belongs to a family of substances called ubiquinones and is a water-insoluble, wax-like substance that is part of the respiratory chain. It is synthesized in the cells, and is involved in electron transport and energy production in mitochondria. In the cellular system, it functions to generate energy from oxygen, in the form of ATP, for bodily processes. CoQ10 also exhibits activity as a free radical scavenger and an antioxidant. The antioxidant activity in the mitochondria and cell membranes protects against peroxidation of lipid membranes. Combining CoQ10 with vitamin E generates a synergistic antioxidant effect on lipoprotein and spares the vitamin E.

Coenzyme Q10 can be found in spinach, broccoli, nuts, meats and fish. In the body, it is found in the highest concentration in the cells of the heart, liver, kidney and pancreas. Supplementation of CoQ10 might be beneficial mostly to adults, because the levels of it in the body tend to peak around the age of 20, and then decline with age. The effects of supplementation with CoQ10 have shown to be especially helpful in maintaining heart health.
       http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360
Vitamin E
Since vitamin E is one of the most powerful fat-soluble antioxidants in the body, it helps protect cell membranes from the effects of free radicals. Vitamin E works with Coenzyme Q10 for antioxidant protection. High intake of vitamin E have also been found support a healthy heart. Vegetable oils, margarine, nuts, seeds, avocados, wheat germ, and safflower oil are all good food sources of vitamin E. Vitamin E is linked to a healthy heart, enhancement of immune system function and support of healing.
       http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360

Lipase
Lipase is a fat-digesting enzyme that supports the body’s ability to break down dietary fats into an absorbable form. It is a water-soluble enzyme that catalyzes the hydrolysis of ester bonds in water-insoluble, lipid substrates. Lipase, such as human pancreatic lipase, support the conversion of triglyceride substrates found in oils from food to monoglycerides and free fatty acids. Lipases are ubiquitous in living organisms, and most are built on an alpha/beta hydrolase fold and employ a chymotrypsin-like hydrolysis mechanism involving a serine nucleophile, an acid residue and a histidine. Some lipases also work within the interior spaces of living cells to promote the normal degradation of lipids.
       What is Coenzyme Q10?
       http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360
Coenzyme Q10 is actually a two-part compound that is composed of (1) a long, fat-soluble isoprenoid tail that anchors the molecule in the inner membrane of the mitochondria and (2) a quinone that is capable of accepting and transferring electrons through a portion of the respiratory chain. A coenzyme is a non-protein substance that helps enzymes carry out their metabolic function and is not consumed in the reaction. The "Q" stands for quinone and the "10" stands for the number of isoprenoid units in the tail portion of the molecule. Mammals generally have 10 isoprenoid units in the tail portion, but other non-mammalian species may have fewer units. Coenzyme Q10 is a critical biochemical link in the production of energy in the cell. Coenzyme Q10 is found in the cell membranes of all cells in our body, particularly in the inner mitochondrial membranes, and it is especially concentrated in highly active organs such as the heart, lungs, kidneys, spleen, and adrenal glands. The mitochondria produce large amounts of adenosine triphosphate (ATP), which helps cells perform work.
       Since the manufacture of adenosine triphosphate (ATP) in the mitochondria is known to generate many oxygen radicals, coenzyme Q10 serves an antioxidant function in that location by neutralizing radicals. Coenzyme Q10 also promotes the Kreb's cycle (Citric Acid Cycle), which converts both carbohydrates and fat into usable energy for the cell.
       Besides these functions within all cells, coenzyme Q10 also works with vitamin E outside of the cell when both compounds are dissolved in circulating low-density lipoprotein (LDL) particles carrying cholesterol. These two fat-soluble antioxidants promote arterial health.
       What is the source of Coenzyme Q10?
       http://ca.shop.com/alikoshoppingmall/1036365123-0-FAQ-p+898.xhtml?vid=243360
While our livers produce small amounts of coenzyme Q10 and this small amount is distributed to the rest of the body, we get most of this compound from foods such as organ meats, muscle meats, fish, peanuts, spinach, soy, and nuts. In the past, it was difficult and very expensive to isolate sufficient amounts of coenzyme Q10 from these food sources for the purpose of dietary supplementation. However, a Japanese company succeeded in synthesizing coenzyme Q10 in 1977, thus making an important nutrient available to the world.
       What is a safe and effective dose of supplemental Coenzyme Q10?
A variety of clinical studies has demonstrated that daily servings of as low as 30 mg and as high as 300 mg of coenzyme Q10 are safe and can promote a healthy life. The circulating levels of coenzyme Q10 take about 60-90 days to reach steady state, depending on the serving size taken. Granular coenzyme Q10, as used in Isotonix, is about equal to the oil-based form in terms of uptake from the small intestine and distribution throughout the body.
       If my body makes CoQ10, why should I take a supplement?
When you are young, your body can produce adequate levels of CoQ10. However, as you get older, your cells do not produce enough of the energy they need to function well. Supplementation of CoQ10 has been shown to raise blood levels of this co-enzyme when the body’s ability to synthesize it begins to decrease.
       What is the recommended serving size of Coenzyme Q10?
Coenzyme Q10 has been used in maintenance servings of 30-60 mg, but can go up to 100 mg or more. 
       Is there a certain time I should take CoQ10?
Coenzyme Q10 should be taken with a meal containing some fat. Taking it in combination with soy or vegetable oil substantially enhances it absorption. 
       Is it safe to take CoQ10?
Yes, it is safe to take CoQ10; it does not produce any toxic side effects when ingested by humans. It is listed in the 42 edition of the Physicians’ Desk Reference as replacement therapy for a nutrient, and no adverse reactions are listed.
       Is it okay to take a CoQ10 supplement while pregnant or nursing?
No. The safety of coenzyme Q10 has not been established in pregnancy and lactation. 
       Is it safe to take CoQ10 while using blood pressure medicine?
If you are currently using blood pressure medication, you should consult your healthcare practitioner before using this product. Discontinue use if allergic reaction occurs.
        
 
 
 
 
 
 
 
 
 

Isotonix® Daily Essentials Kit

Isotonix® Daily Essentials Kit
 
 
 
Isotonix® Daily Essentials Kit
Price Can$163.24|
What Makes the Isotonix Daily Essentials Kit Unique? Theres nothing more important than taking care of yourself on a daily basis. With the Isotonix Daily Essentials Kit, you can be sure that youre giving your body the essential vitamins, minerals..
 
 
 
 
 
 
Product Info
Isotonix® Daily Essentials Kit
What Makes the Isotonix® Daily Essentials Kit Unique?
There’s nothing more important than taking care of yourself on a daily basis. With the Isotonix Daily Essentials Kit, you can be sure that you’re giving your body the essential vitamins, minerals and nutrients it needs, thanks to four essential supplements – Isotonix OPC-3®, Isotonix Multivitamin, Isotonix Advanced B-Complex and Isotonix Calcium Plus – to promote long-term health and optimal nutrition.

Plus, by purchasing the Isotonix Daily Essentials Kit instead of buying these products individually, you save nearly 31%!

Caring for your general health starts with Isotonix OPC-3, a powerful antioxidant that provides for the maintenance of good health. Isotonix OPC-3 helps the body function at its peak by combating free radicals throughout your body.

Next, Isotonix Multivitamin contains essential vitamins and minerals to complement your diet. With today’s fast-paced lifestyles, it is important to ensure the body is getting the fuel it needs. Isotonix Multivitamin supplements dietary deficiencies and helps maintain normal metabolic functioning.
 
 

To provide the energy you need to function throughout the day, this kit includes Isotonix Advanced B-Complex. B-vitamin deficiency can lead to fatigue and lethargy, which is why B-complex supplements are excellent energy boosters and anti-stress formulas.

Finally, Isotonix Calcium Plus delivers a potent package of calcium and complementary nutrients to keep your bones strong. While calcium supplements in tablet form can be difficult for the body to absorb, the unique Isotonix delivery system and the inclusion of beneficial vitamins and minerals – including vitamin D – make Isotonix Calcium Plus more readily available and easily absorbed by the body.

With this 90 day kit, you will not only receive the nutritional support you need to lay a solid foundation to start every day, but you also save money.
 
 
 
 

Primary Benefits of Isotonix® Daily Essentials Kit:  
·         Great savings! You save nearly 31% - a $70.45 value! 
·         Essential vitamin and mineral supplementation
·         Supports cardiovascular health
·         Reduce tiredness and fatigue by enhancing energy production
·         Helps normal functioning of muscles, strong bones and teeth
·         Helps maintain immunity and antioxidant protection 
·         Frequently Asked Questions about the Isotonix® Daily Essentials Kit:
 
 
·         Can the Isotonix® Daily Essentials Kit products be taken at the same time? 
Yes. The Isotonix Daily Essentials Health Kit products can safely be taken at the same time, provided that one follows the recommended serving size for each product.
 
 
·         Why are Isotonix® supplements better than standard supplements?
Isotonix® formulas are more effective than standard supplement formulas because they offer the best way to get the maximum delivery of vitamins and minerals into the bloodstream. Isotonix formulas are also the fastest and most effective way to receive vitamins, minerals and nutrients. The stomach has very little work to do because the pH and tonicity are carefully designed to allow the stomach to quickly release all the nutrients into the small intestine. With the Isotonix formulas, this process takes about five minutes, where a standard vitamin tablet can take up to four hours.

What sets Isotonix® OPC-3 apart from other bioflavonoid products?
Isotonix® OPC-3 offers scientifically-supported oligomeric proanthocyanidins, or OPCs, found to be the most powerful antioxidants for human health. This selection of Pycnogenol®*, red wine extract and grape seed extract, is unique to Isotonix OPC-3, as is the Isotonix delivery system, which enables rapid and highly efficient absorption of the OPCs. These potent nutrients, in combination with the highly effective delivery system, makes OPC-3 a powerful free radical scavenging product.      
·         Why do I need to take a multivitamin?
A good quality vitamin and mineral supplement creates a sound micronutrient foundation to accompany a balanced diet. Vitamins and minerals help to support a healthy immune system, promote the conversion of food into energy, support a healthy cardiovascular system, support strong bones, promote mental clarity, maintain normal metabolic functioning, promote healthy growth and repair of tissues, help maintain normal blood pressure, and help maintain water and electrolyte balance in the body.
 
 
·         Why should I take calcium?
According to the Surgeon General, taking a calcium supplement daily is key to preventing and treating calcium deficiency, and to helping reduce the risk of osteoporosis. Clinical studies indicate that women and many aging men are likely to become susceptible to osteoporosis. 
 
 
 
 


Everyone needs calcium. Practically no one ingests enough calcium in their daily diet. Besides being helpful in supporting and maintaining bone integrity, calcium serves a dynamic role as a mineral. It's very important in supporting the activity of many bodily enzymes and maintaining proper fluid balance. Isotonix Calcium Plus also promotes the normal contraction of skeletal and muscle.  
·         Are there any warnings or contraindications for the products in the Isotonix® Daily Essentials Kit?
Isotonix® OPC-3, Isotonix Multivitamin, Isotonix Advanced B-Complex and Isotonix Calcium Plus are vegetarian products, and contain no wheat, gluten, soy, yeast, artificial flavor, starch, salt, preservatives or milk.
·         If you are currently using any prescription drugs, have ongoing medical condition, or if you are pregnant or breastfeeding, you should consult your healthcare provider before using these product.
·          
 
 

What Makes Ultimate Aloe Juice Unique?

What Makes Ultimate Aloe Juice Unique?-www.aliko-aapayrollservices.com/blog
 
 
What Makes Ultimate Aloe Juice Unique?
 
 
 
 

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™ Advanced B-Complex

Isotonix™ Advanced B-Complex-www.aliko-aapayrollservices.com/blog
 
Isotonix™ Advanced B-Complex
 
 
 
 
 
 
 
 
What Makes Isotonix™ Advanced B-Complex Unique?
Isotonix™ Advanced B-complex is a mixture of the eight essential B-vitamins, such as Thiamin (B1), Riboflavin (B2), Niacin (B3), Pyridoxine (B6), Pantothenic Acid (B5), Folic Acid (B8), Cyanocobalamin (B12) and Biotin. Most of the B-vitamins play a critical role as cofactors in cellular energy metabolism. B-vitamins are important for hundreds of biochemical reactions in the body.
 
 
 
 
Vitamin deficiency can lead to fatigue and lethargy, which is why B-complex supplements are excellent energy boosters. Vitamin B12 is not synthesized from plants or animals, and the process of absorbing B12 is very complex. Because of this complexity, B12 absorption may be compromised, potentially leading to B12 deficiency. Thus, absorbability is a key factor in choosing B12 supplementation.
 
 
 
 
 
 
 
 
Isotonix Advanced B-Complexis an isotonic-capable combination of the essential B vitamins with magnesium and potassium, which work synergistically to promote a myriad of health benefits and biological processes in the body. Isotonix B-Complex works to promote healthy red blood cell formation, increase energy, promote cardiovascular health and help maintain healthy levels of serotonin. B vitamins are necessary for proper functioning of the nervous system, bone marrow and muscle function. Vitamin B12 and folic acid facilitate steps required for cell division. Vitamin B5 is involved in the Krebs cycle of energy production and is needed to make the neurotransmitter acetylcholine as well as producing, transporting, and releasing energy from fats. Thiamin, riboflavin, niacin and biotin participate in different aspects of energy production. The large amount of vitamin B12 provided in the Isotonix formula may be capable of forcing small amounts across the membranes of the intestines. This vitamin is carried into the body by forming a complex with Intrinsic Factor, a stomach derived protein. It enters the body bound to proteins, requiring an acidic pH level and proper pancreatic release of proteolytic enzymes. Because many vegetarian diets are lacking in the essential B-vitamins, Isotonix B-Complex meets the need for B-vitamins for vegetarians.
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 an isotonic state.
Isotonix dietary supplements are delivered in an isotonic solution. This means that the body has less work to do to in obtaining great absorption. The isotonic state of the suspension allows nutrients to pass directly into the small intestine and be rapidly absorbed into the bloodstream. With Isotonix products, little nutritive value is lost, making the absorption of nutrients highly efficient while delivering maximum results.
 
 
Primary Benefits of Isotonix™ Advanced B-Complex:
·         Helps in the production of red blood cells
·         Aids in tissue formation, and helps prevent neural tube defects when taken prior to becoming pregnant and during early pregnancy
·         Contributes to the development and maintenance of bones and teeth, and the maintenance of proper muscle function 
·         Helps the body to metabolize proteins, fats, and carbohydrates to enhance energy production and support cardiovascular health
·          
 
·          
 
 
 
Key Ingredients Found in Isotonix™ Advanced B-Complex:
Cyanocobalamin (Vitamin B12)
Vitamin B12, a bacterial product is naturally found in organ meats, liver, beef, pork, eggs, whole milk, cheese, whole wheat bread and fish. B12 can only be found in animal products, with small amounts derived from the fermented soy products miso and peanuts. It is essential that vegetarians consume a vitamin B12 supplement to maintain optimal health. Vitamin B12, when ingested, is stored in the liver and other tissues for later use. The synthetic form of B12, cyanocobalamin, is not derived from either plants or animals, and is intrinsic in the maintenance of normal functioning body cells, especially those of the nervous system (protecting the sheaths of nerve cells), bone marrow and intestinal tract. These tissues are first to exhibit signs of B12 depletion.  Vitamin B12 itself is responsible for maintaining optimum energy levels, as it plays a vital role in the Krebs energy cycle.
Folate (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 supply additional B vitamins. Folic acid plays a key role by boosting the benefits of B12 supplementation. These two B vitamins join forces and work together in maintaining normal red blood cells. Folic acid assists in the normal utilization of amino acids and proteins, as well as supporting the construction of the material for DNA and RNA synthesis. Scientific studies have found that when working in tandem with folic acid, B12 is capable of promoting normal homocysteine levels. This works toward supporting a healthy cardiovascular and nervous system.
Riboflavin 5-Phosphate (Vitamin B2)
Vitamin B2 is a 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 red blood cell formation, supports the nervous system and normal human growth. It supports collagen growth and helps regulate 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 aids in the breakdown of fats, while functioning as a cofactor or helper in activating B6 and folic acid. Vitamin B2 is water-soluble and cannot be stored by the body except in insignificant amounts. It must be replenished daily.
Pyridoxine HCl (Vitamin B6)
Poultry, fish, whole grains and bananas are the main dietary sources of Vitamin B6. 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.  B6 is required for hemoglobin synthesis. Vitamin B6 is involved in the synthesis of neurotransmitters in the brain and peripheral nerve cells, and it supports nerve conduction. Some athletic supplements include vitamin B6 because it aids in the conversion of glycogen to glucose for energy in muscle tissue. 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.
Magnesium (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, milk, refined and processed foods contain low amounts of 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 transporting calcium inside the cell for utilization. Magnesium plays a key role in the functioning of muscle and nervous tissue, and the synthesis of all proteins, nucleic acids, nucleotides, cyclic adenosine monophosphate, lipids and carbohydrates.
Magnesium is required for energy release, regulation of the body temperature, proper nerve function and regulating metabolism. Importantly, magnesium is also required by the body to build healthy bones, teeth and normal muscle development. It works together with calcium and vitamin D to help keep bones strong. Magnesium, when combined with calcium, helps support the heart muscles in maintaining a regular heartbeat and promoting normal blood pressure. 
Potassium (Bicarbonate)
Potassium is an electrolyte stored in the muscles. Foods rich in potassium include bananas, oranges, cantaloupe, avocado, raw spinach, cabbage and celery. Potassium is an essential macromineral that helps maintain fluid balance in the body. It also plays a role in a wide variety of biochemical and physiological processes. Among other things, potassium is important in the transmission of nerve impulses, the contraction of cardiac, skeletal and smooth muscle, the synthesis of nucleic acids, and the maintenance of intracellular tonicity.
It also promotes glycogen and protein synthesis. Potassium is an electrolyte that promotes normal heartbeat. Potassium is important in releasing energy from protein, fat and carbohydrates during metabolism. Potassium helps regulate water balance, aids in recovery from exercise and helps with the elimination of wastes. Sodium and potassium are two of the most important ions in maintaining the homeostatic equilibrium of the body fluids.
Thiamin HCl (Vitamin B1)
Thiamin plays an important role in 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 also used in the manufacture of hydrochloric acid.
D-Calcium Pantothenate (Vitamin B5)
Pantothenic acid (B5) is the transfer agent for choline to acetylcholine, which aids in proper neurotransmitter activity in the brain. Pantothenic acid is also known as the anti-stress vitamin. It also plays very important role in the secretion of hormones.
Niacinamide (Vitamin B3)
Niacin is a water-soluble vitamin necessary for many aspects of health, growth and reproduction. It is part of the vitamin B complex. Niacin assists in the functioning of the digestive system, skin and nerves. It is also important for the conversion of food to energy. Niacin (also known as vitamin B-3) is found in dairy products, poultry, fish, lean meats, nuts, eggs, legumes, and enriched breads and cereals.
Biotin (Vitamin B7)
Biotin can be found in food sources such as egg yolks, peanuts, beef liver, milk (10 mcg/cup), cereals, almonds and Brewer’s yeast. Biotin is used in healthy cell growth, the production of fatty acids, metabolism of fats and amino acids. It plays a role in the Citric acid cycle, 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.
 
 
 
 
 
 
 
 
 
 
Frequently Asked Questions about Isotonix™ Advanced B-Complex:
What is Isotonix™ Advanced B-Complex?
Isotonix Advanced B-Complex is a blend of all B-vitamins with potassium and biotin. Because of the isotonic state of this blend, one can be sure that the maximum amounts of nutrients are reaching their target areas with utmost efficiency. An isotonic solution is one that actually matches the body’s own osmolarity and is easily absorbed into one’s system. Other isotonic solutions of the body include tears, plasma and mother’s milk. These all-star B-vitamins join in the proper amounts for maximal utilization and absorption. B12 and the other-B vitamins act as members of a team. When taken all together, B12 acts as a key player in the production of energy, cell maintenance and promotion of normal nervous system functioning. Folic acid is also present, playing an integral role in aiding B12 in the healthy utilization of amino acids and proteins, as well as DNA and RNA synthesis.
What is the source of the vitamin B12 in our Isotonix Advanced B-Complex?
Vitamin B-12 is a bacterial product, not synthesized by plants or animals. We get it by taking supplements or by eating eggs or meats. Vegetarians are recommended to take a B vitamin dietary supplement.
Can a person who lacks Intrinsic Factor and has to take B-12 shots get benefits from taking Isotonix B-Complex?
No. Vitamin B-12 requires intrinsic factor, a B-12 binding protein synthesized in stomach parietal cells for proper absorption.
Why are B-vitamins so important in the aging process?
The ability to absorb B-vitamins naturally decreases with age, and various indicators of cognitive impairment are associated with reduced B-vitamin levels. The elderly in general suffer from a reduction in sense of taste, and thus appetite, and may use many acid-reducing medicines that predispose them to B12 deficiency. According to Robert M. Russell of the U.S. RDA’s Human Nutrition Center on Aging at Tufts University, vitamin B12 is probably the single most important nutrient adversely affected by aging. Vitamin B12 is at once an incredibly difficult nutrient to assimilate and digest, as well as one of the most important vitamins for a broad range of bodily functions, including optimal functioning of the nervous system, normal DNA and RNA synthesis, optimal energy production and healthy blood integrity.
I am young and healthy. Why should I take Isotonix Advanced B-Complex?
Health experts estimate that one in five adults is deficient in one of the B-vitamins. Absorption of vitamin B12 is a complex process, which can lead to B12 deficiency. Keep in mind that even in a healthy person’s gastrointestinal tract, there are always other proteins and vitamins competing for absorption alongside vitamin B12, which is so large and complex that it very often must struggle for entrance into the bloodstream. Specifically at risk for deficiency are vegetarians, heavy drinkers, those who take a lot of prescription or over-the-counter drugs, those with digestive disorders, pernicious anemia, recipients of gastric bypass surgery and those with poor diets. A vitamin B-complex is great for athletes, especially endurance athletes who need a natural boost of energy before a workout, due to its beneficial effects promoting the oxygenation of red blood cells.
Is it toxic to take too much vitamin B12?
Studies have found no confirmed reports of toxic side effects from heightened dosages of vitamin B12. However, you should only take Isotonix Advanced B-Complex as directed on the bottle.
Are there any warnings or contraindications for Isotonix Advanced B-Complex?
No. Isotonix Advanced B-Complex is a vegetarian product and contains no wheat, gluten, soy, yeast, artificial flavor, starch, salt, preservatives or milk.
How do I take Isotonix Advanced B-Complex?
Pour one (1) level bottle capful of powder into the overcap. Add water to the line on the overcap (60 ml/2 fl. oz.). Best when taken on an empty stomach. This product is isotonic only if the specified amounts of powder and water are used.
 
 
 
 
 
 
 

Aliko Nutrition Store- Aloe Vera a source of over 200 nutrients

Aliko Nutrition Store-  Aloe Vera a source of over 200 nutrients-www.aliko-aapayrollservices.com
 
 
Aliko Nutrition Store-  Aloe Vera a source of over 200 nutrients
       What Makes Ultimate Aloe Juice Unique?
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.
 
 
 

Aliko Nutrition Store- Isotonix OPC-3®

Aliko Nutrition Store- Isotonix OPC-3®-
 
 
Aliko Nutrition Store- Isotonix OPC-3®
 
Studies have shown OPCs to be up to 20 times more powerful than vitamin C and 50 times more powerful than vitamin E in neutralizing free radicals. Isotonix OPC-3 contains the only isotonic form of Pycnogenol® in the world. Pycnogenol is a natural plant extract from the bark of the French maritime pine tree and the most clinically researched and potent bioflavonoid.* Isotonix® dietary supplements are delivered in an isotonic solution. This means that the body has less work to do to in obtaining maximum absorption.