Day: March 6, 2017

Fitness, Fun And Friends – Silver Sneakers Fitness Program

The importance of physical activity for older adults is being studied more frequently, with many conclusions showing that the more active older adults are, the more likely they are able to prevent the onset of diseases. Exercise has proven beneficial in preventing heart disease and to control other conditions such as arthritis and diabetes.

In order for older adults to maintain a healthy lifestyle and help them get the exercise they need, there’s a fun solution older adults are raving about in Utah, called the Healthways SilverSneakers Fitness Program. SilverSneakers is the nation’s leading fitness program designed exclusively for older adults, and is available at no additional cost to eligible Medicare members. In Utah, this program is offered to eligible members of Humana and SecureHorizons by UnitedHealthcare.

This unique program allows older adults to take charge of their health and maintain an active, independent lifestyle. “The long-term health benefits of regular exercise for older adults are compelling,” says Steve Lindstrom, Healthways senior vice president of Active Living. “In addition to helping seniors stay physically healthy, SilverSneakers also offers a great way for them to socialize, meet new friends and have fun.”

Every enrolled member of SilverSneakers receives a membership at any participating fitness center, where members can take advantage of conditioning classes, exercise equipment, pool, sauna and other amenities. At each fitness center, there is a specially trained senior advisor to introduce the member to the program and acquaint the member with the site.

Every site offers customized SilverSneakers classes which allow the member to improve their strength, flexibility, balance and endurance. Additionally, health education seminars and other events that promote the benefits of a healthy lifestyle are available.

“It’s those important extras such as social events, health education seminars and health screening for such conditions as high blood pressure, cholesterol and flu shot availability that play such an important role in the overall success of the program,” said Mr. Lindstrom. Members also have the opportunity to take advantage of the national reciprocity feature of the program, which allows access to any of the certified 2,600 plus participating locations across the nation while traveling.

SilverSneakers was designed specifically to encourage Medicareeligible individuals to increase their levels of physical activity and motivate them to continue to be active. As of September 2007, the SilverSneakers program is offered in 49 states at no additional cost to more than 3 million Medicareeligible individuals through its national network.…

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Casualty Loss Can Generate Massive Tax Deductions

A casualty loss may occur as a result of a flood, hurricane, tornado, mudslide or other natural disaster. The intuitive thought pattern is: “My apartment complex worth $5,000,000 suffered major damage totaling $1,500,000 for repairs and rent loss. Fortunately, I was completely covered for both physical damage and rent loss, other than a small deductible. There is clearly no casualty loss I can claim as a tax deduction, right?”

Tax deductions are the basis for tax reduction. Tax deductions reduce taxable income but do not directly reduce federal income taxes. For example, $100,000 of tax deductions reduces federal income taxes by $35,000 ($100,000 X 35%), assuming a 35% tax rate. Most tax deductions require a cash expenditure (labor, material, supplies, utilities, etc). A current period cash expenditure is not required for some real estate tax deductions and may not be required for a casualty loss.

Most real estate owners and investors do not consider casualty losses as a source of tax deductions. Few investors claim the casualty loss tax deduction the federal income tax code allows them. Let’s review the criteria for a casualty loss tax deduction and the thought process regarding acquisition of a property that has suffered a casualty.

Real estate owners suffer a casualty loss when the market value immediately after the casualty plus insurance proceeds is less than the market value immediately before the casualty. The complex issue is how to value the property immediately after the casualty. Let’s consider a 1-story suburban office park in Mississippi which suffered 3-feet of flooding due to Hurricane Katrina. Let’s further assume: 1) 8 feet of sheet rock must be replaced in the entire property to rebuild, 2) although the property was 90% occupied before the flood, occupancy is expected to only be 5% while rebuilding occurs, 3) stabilized occupancy after renovation is not clear since some businesses may not return, 4) construction will take 12-18 months due to the labor constraints and 5) the owner has casualty insurance to rebuild but did not have rent loss/business interruption insurance.

It is clear the market value after the casualty is less than the market value before the casualty less construction costs. Other factors to consider are: rent loss, market risk that not enough tenants will be available after construction is completed, cost of construction management, a illiquid market with few buyers just after the casualty, construction risk, interest rate risk (rates could rise during the construction period negatively affecting value), risk that operating expenses could increase during the construction period (perhaps insurance) and compensation for entrepreneurial effort to induce a buyer to coordinate labor capital, management and compensation for capital during the reconstruction and releasing process.

A careful analysis by an appraiser might show the improvements have no value after the flood. In appraisal assignments performed by the writer, a casualty loss of 10-30% of the market value before the casualty has occurred (in a straight-forward, defensible analysis) is typical. This can generate a meaningful casualty loss (and tax deduction).…

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If You Read One Article About Kits, Read This One

Things That You Should Know In Regards To Survival And Emergency Prep Life has no guarantee that you will never experience in form of situation that needs to respond immediately failure to which there may be fatal consequences or damages to your property that cannot be reversed. In case a disaster strikes, the situation can be overwhelming especially if it is not something that you had not made plans for and you do not know how to respond to it. Each member of the family should be taught some of the basic things that are there as part of the way that they should respond in case of any situation that poses danger to them and also the property in the room are there. As a family, it is essential to ensure that each and every member gets to attend the sessions on how they should respond to emergency situations and also they should know the roles that are delegated to them plus they should also know how to effectively perform the tasks given to them in such a situation. As part of the perfection process in terms of the tasks that have been assigned to each, parents should make sure that once in a while they hold a gathering where each person gets to demonstrate what they are supposed to do in case of any emergency situation. All you need to ensure that you are adequately prepared to respond to a disaster is to have a well mapped out chart of the things that each person should do to ensure survival for all. For the essential medical supplies that are available in your home, make sure that you get to make a list of them and stick it somewhere where everyone in the home can be able to see. In the event that any medicine on the list runs out, ensure that you get to indicate on the check list and also purchase it as soon as possible. Another thing is that in case there is anyone in the house who is on prescription medicine for any condition, inform the rest of the family members and also teach them on some of the ways that they can respond in case the individual gets an attack for example in the case of an asthmatic attack.
If You Think You Understand Supplies, Then This Might Change Your Mind
One other thing is that you will require having the general emergency kit which is capable of enabling you to handle different kinds of situations in an emergency setting ranging from signaling for help in case you are trapped to administering first aid to a person that is injured during the process. Even though the situation may be an emergency that requires you to vacate your house immediately, it is important that you carry your identification documents wit you if it is possible.Smart Ideas: Sales Revisited

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What I Can Teach You About Kits

Tips on Survival and Emergency Preparedness. Life is full of ups and downs. It is hard to predict what will happen the next moment. There are many changes in life. We cannot escape from changes in life. Changes that happen in life can make us to grow or suffer. For instance, a favorable climatic can make our things to go well. A suitable climatic can make us flourish in many things. It is easy to move to many places as a result of a suitable climate. Travelling opens many opportunities for businesses and friendship. Plants and animal growth is favorable by a suitable climatic condition. An example of a thing that can make us suffer is a disaster. A disaster is an uncertain catastrophe. Examples of types of disasters are earthquakes, floods, hurricanes, tornadoes to name a few. The causes of disasters are: loss of life, destruction of properties, and change of the natural environment. Disasters leave can leave us being stressed and traumatized. There are a number of techniques of safeguarding ourselves against disasters. Disasters are emergency moments. We need to be prepared always in times of emergency situations. It is beneficial to have with us survival and emergency supplies. It is advisable to store enough foods and beverages to serve us during disasters. Such foods and beverages should be resistant to damage. For instance we have bottled beverages and canned foods as examples of long lasting foods and beverages. Such foods and beverages should be rich in all the necessary nutrients. Medical supplies are very important. It is most likely for disasters to create physical injuries. We should store medical tools such as bandages and antiseptics. It is also advisable to purchase drugs for the cure of ailments that can come from disasters. We should buy an emergency kit.
A Simple Plan For Investigating Gear
An emergency kit is a special bag for storing and protecting special items. Examples of such special items are documents such as certificates, licenses, insurance, wallets to name a few. Transportation means are very important during disasters.
6 Lessons Learned: Supplies
Our vehicles should always have fuel. It is beneficial to carry extra money in case of a disaster. Expect to buy new items such as bedding and clothes when vacating into a new place as a result of a disaster. We should take it upon ourselves to educate our families on how to cope up with an emergency situation. This is meant to minimize chances of getting traumatized and stressed in case of an emergency situation. Safety is very important in times of disaster. It is advisable to purchase a handgun for protecting ourselves from predators. Communication is very important in the case of a disaster. We should have all the contacts of family members and the authority.…

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Getting Creative With Resources Advice

Features of a Good Yoga Instructor Everything you do is directly related to your fitness that is why a good lifestyle is very important for your health. It is very important for a person to be healthy and that is why people are going to the gym and others to yoga classes. Yoga is a popular exercise that keeps people healthy and fit that is why it is practiced by millions of people all over the world. Yoga has become very popular and for this reason there are so many schools that are being put up. The yoga schools are being governed by instructors and it is good you learn about their characteristic feature before involving yourself in any yoga classes. Some of the characteristics of yoga instructors include the following. The first feature and characteristic of a yoga instructor is a friendly behavior. Many people are worried that yoga instructors are harsh and strict but that is not the case. Yoga instructors should be friendly and they should interact with their students very well so that their students fell comfortable during the exercise. Yoga instructors will teach many facts about yoga and you will increase your knowledge and it will help you in future. Supportive nature is another characteristic that you should get from the yoga instructor. Instructors should have a supportive nature in them because yoga classes are regular and they will have to teach a bunch of individuals. If you get a supportive instructor you will be able to discuss the most important matters about your health with them. These instructors have a lot of experience and they can guide you through hard things that you are having a hard time coping. A goal oriented approach is another feature of a yoga instructor. A goal oriented approach will help you achieve your goals with the least time possible. If you get the best instructor you are going to take the best results home. You can attend the weekend lessons if you are not available over the week and the yoga instructor will provide you with exercises that will relax you and you will be able to go to work normally. The next characteristic of a yoga instructor is that they should have an adjusting nature. In the class they will meet people with different personalities that are why they should have an adjusting nature so that they can meet the needs of everyone. When looking for a yoga instructor look for the above-mentioned characteristics. If you want to have the yoga exercises it is essential that you have an essential instructor. They will help you improve your health, fitness, experience and knowledge as you attend the yoga lessons. A good yoga instructor enables you to enjoy the workouts and exercises.A Beginners Guide To Tips

What You Should Know About Coaches This Year

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