Do You Have Acid Reflux? Look Here For Relief!

Burning pain in your chest. Stomach bloating and discomfort. Nausea after meals. Burping which never seems to end. These are just some of the symptoms of acid reflux which can turn your life into a never-ending nightmare. Thankfully, the article below details how you can make the symptoms disappear for good.

When you eat high fat foods like fried chicken, your stomach empties very slowly. This allows it to become distended and your esophagus may fill up with acid. Choose healthier foods like lean proteins or beans to avoid this situation and you should be able to control your acid reflux like a pro.

For quick relief, pick up cinnamon flavored gum. When you chew gum, your salivary glands pick up the pace which can help neutralize stomach acid. On top of that, you’ll swallow more and help clear the acid out of your esophagus. Lastly, choosing non-mint and non-citrus flavors ensures you don’t trigger your acid reflux.

Try eating your meals slower. Due to the extremely fast-paced world we live in, we tend to always be in a hurry. This carries over to our eating, causing us to eat way too fast. This increases the odds that we will overeat, which can cause acid reflux. Instead, take your time while eating. Thoroughly chew your food, and put down your fork after every few bites. Stop eating once you feel comfortable, not stuffed.

Contracting the abdominal muscles can make food that is in your stomach to make its way back into the esophagus. This is why you need to wait until at least one hour after eating before you attempt to do any physical exercise. You should also avoid any other types of physical exertion directly after meals.

Don’t just treat the symptoms of acid reflux with antacids. This does nothing to help reverse the damage caused to the esophagus caused by acid. You’ll need to make lifestyle changes that prevent acid reflux from occurring to allow the esophagus to heal itself and prevent serious problems in the future.

If you are pregnant and experiencing acid reflux, try to relax. This problem is often no longer an issue after you have the baby. It is a symptom of the baby pushing on all of your innards causing the acid in your belly to rise. Watch what you eat and avoid laying down until an hour has passed after you eat.

When you complete your meal, do not lie down on your back or stomach. This position uses gravity to build up acid in your stomach, which is one of the main reasons why you get acid reflux and heartburn. Walk around your home or do the dishes after you eat to prevent this from happening.

If you suffer from acid reflux you can help alleviate the symptoms and pain by watching what you eat. Eating foods that are high in acidic content will greatly increase the amount of pain you feel from this condition. Try to avoid eating foods like tomatoes, corn, canned fruits, or any other of the thousands of foods that are high in acidic content.

Exercise daily to help reduce acid reflux. These exercises should be low impact exercises such as walking. Gravity is known to help decrease the odds of acid reflux; therefore, go for a walk after eating to lessen the effects of stomach upset and increased stomach acids. Exercising will also help you lose weight which will aid in reducing acid reflux.

Put out the fire in your chest. Reduce your bloating. Stop the nausea for good. Use the tips and tricks you have read here to change your life for the better. As long as you start your journey towards wellness today, you’ll have relief in a short matter of time.

Clueless About Student Loans? Get Some Help Here

Almost everyone who goes to school, especially a college will have to apply for a student loan. The costs of these schools have become so outrageous, that it is almost impossible for anyone to afford an education unless they are very rich. Thankfully, there are ways to get the money you need now, and that is through student loans. Keep reading to see how you can get approved for a student loan.

Start your student loan search by looking at the safest options first. These are generally the federal loans. They are immune to your credit rating, and their interest rates don’t fluctuate. These loans also carry some borrower protection. This is in place in case of financial issues or unemployment following your graduation from college.

It is important for you to keep track of all of the pertinent loan information. The name of the lender, the full amount of the loan and the repayment schedule should become second nature to you. This will help keep you organized and prompt with all of the payments you make.

Once you leave school and are on your feet you are expected to start paying back all of the loans that you received. There is a grace period for you to begin repayment of your student loan. It is different from lender to lender, so make sure that you are aware of this.

Know how long you have between graduation and the commencement of loan payments. Stafford loans provide a six month grace period. A Perkins loan gives you a nine month grace period. Other loans offer differing periods of time. Know when you are expected to pay them back, and make your payments on time!

Make sure that you specify a payment option that applies to your situation. Many loans offer a decade-long payment term. If this is not ideal for you, look into other possibilities. The longer you wait, the more interest you will pay. It may also be possible for you to dedicate a portion of your salary to loan repayment once you have a regular paycheck coming in. A lot of student loans will be forgiven after you’ve let twenty five years go by.

You should shop around before deciding on a student loan company because it can end up saving you a lot of money in the end. The school you attend may try to sway you to choose a particular one. It is best to do your research to make sure that they are giving you the best advice.

Exercise caution when considering student loan consolidation. Yes, it will likely reduce the amount of each monthly payment. However, it also means you’ll be paying on your loans for many years to come. This can have an adverse impact on your credit score. As a result, you may have difficulty securing loans to purchase a home or vehicle.

Pay extra on your student loan payments to lower your principle balance. Your payments will be applied first to late fees, then to interest, then to principle. Clearly, you should avoid late fees by paying on time and chip away at your principle by paying extra. This will reduce your overall interest paid.

After reading the above article you should be aware of the entire student loan process. You probably thought that it was impossible to attend school because you didn’t have the funds to do so. Don’t let that get you down, as you now know getting approved for a student loan is much simpler than you thought. Take the information from the article and use it to your advantage the next time you apply for a student loan.

Need To Fix Dog-related Problems? The Advice Here Can Help

They say all dogs go to heaven, but that can be hard to believe when your pooch is acting out. If you’re having trouble with your dog, you may be frustrated, and you may not know where to turn. The suggestions in this article will help you deal with your dog and appreciate its finer points.

Consider teaching your dog hand signals along with verbal commands. Consistency and practice are key to teaching a dog these non-verbal commands. Many owners get frustrated and resort back to verbal commands, but a well-trained dog should understand both. Try using only verbal commands when the dog is out of sight range, but when close up, only use the hand signals.

While hugging your dog will make both of you feel great, refrain from kissing him. Dogs are prone to tartar build up and cavities just like people. Dogs rummage through trash, drink toilet water and lick other dog’s body parts. It is an old wives’ tale that dogs have cleaner months than humans. Definitely do not believe that!

An annual checkup at the vet is a great idea for your dog. Since your dog does not speak the human language, he simply cannot tell you if his tooth aches or his arthritis is making it difficult for him to walk. An annual vet visit can help you find problems early.

Whenever you travel with your pet, don’t skimp on the packing. Of course you need to be well supplied with his food, water and any medications he may be on, but experts advise that you also bring his grooming supplies, vaccination paperwork, tags and an extra leash. Also, bring a flat sheet for when your dog will be on hotel furniture.

If your puppy or dog is constantly chewing up your furniture, invest in some chew-toys. Scatter them around the floor, especially around the legs of the sofa and end-tables. Be enthusiastic about your offers to play with the chewies with your dog to encourage frequent use. This should eventually deter him from chomping your furniture.

Be careful if you’re searching for a new dog on Craigslist or other classified ads. Many people exaggerate the truth in order to unload problems or challenging training issues and you could end up with an impossible situation on your hands. Only talk to people who are verifiable through vet records and demonstrate positive handling experience.

If you are struggling to get your pet to behave during a grooming session, apply positive reinforcement. With your words and your tone, praise your dog for anything little thing that he or she does well during the time you are working with him. Give him a treat when you are finished, so he begins to associate grooming with something good. You should turn your dog’s behavior around in no time!

Make sure that you trim your dog’s nails on a fairly regular basis. You do not want them to get too long since it will make it uncomfortable for them to walk and they may develop health issues. They should be at a length that just about touches the ground.

Determine your dog’s specific exercise regimen. Dogs have different fitness needs based their sex, overall health, age, breed mix, or breed. Every dog should have a couple 10-minute walks a day around the block. Dogs between 6 and 18 months, active breed or mixed breeds, terriers, hounds, and herding dogs will most likely require more fitness than others types of dogs.

There are so many amazing aspects of being a dog owner, and you should be able to appreciate all of them. With these suggestions, you’ll be equipped to handle any kind of issue that your dog might throw your way. Keep this advice in mind, and enjoy your wonderful pet.

Diagnosed With Sleep Apnea? Learn Everything You Need To Know Here

Is sleep apnea keeping you up at night? This rather common condition affects many people and some people don’t even know they have it. There are some things you can do to make loving with condition a little more bearable. The following article will help you sleep better with sleep apnea.

Try losing a few pounds, if you suffer from chronic sleep apnea. Controlled studies have proven that people with this sleep disturbance benefit greatly after losing 20 or more pounds. Symptoms may even diminish completely, so you now have yet another reason to get your weight down to a healthier number!

Do throat and tongue exercises daily to reduce your apnea symptoms. The results of recent research suggest that jaw exercise, and tongue exercises can greatly reduce the presence of sleep apnea symptoms. Doing just a few of these exercises every day can help you get a good night of rest.

Consider using a mouth guard when you sleep. If your jaw is improperly aligned, this could lead to issues with sleep apnea. The alignment of your jaw has a lot to do with whether or not you are getting sufficient airflow. Being fitted for a mouth guard can help your breathe while it’s correcting the problem.

Do not take sleeping pills if you suffer from sleep apnea. These pills are not recommended if you suffer from this condition because they relax the muscles of your throat. Skipping them can actually help you get a better night of sleep because your apnea symptoms are not aggravated.

If you do not know if your snoring is from sleep apnea or just simple snoring, try using a sleep diary. In this diary, you will need to record how much time you spend in bed, the number of times that you awaken each night, and how tired you feel when you arise in the morning.

Always bring your CPAP along whenever you travel. You don’t want to sleep a single night without your CPAP after a sleep apnea diagnosis. Most CPAP machines come with a travel bag designed for just this purpose. This can be used for transporting your CPAP so that you always have it, even when you’re not at home.

For people who smoke, the best way to correct a sleep apnea condition is to quit smoking. Smoking is one of the biggest causes of sleep apnea. When people stop smoking their risk of sleep apnea is reduced and they can get a full night sleep within days of quitting.

Doctors often recommend that sleep apnea patients consider treatment with a CPAP – Continuous Positive Airway Protection – mask and machine. The machine sends air through a hose to a mask covering your nose. The purpose is to help keep your airway open so you are breathing normally as you sleep. While the machine may initially seem a little foreign and uncomfortable, a great many patients adapt quickly and find they are getting much more restful sleep as a result.

If you think that you may have sleep apnea, set up a video of yourself as you sleep. Just be sure that the video recorder has sound capability. When you wake up, look at the video, and if it seems like something other than snoring is going on, it may be time to go to the doctor.

You do not have to look at sleep apnea as something that will ruin your life or your sleep. There are several things that you can do to make sleeping at night a more pleasurable experience. Use the tips in this article to help you deal with this common condition.

Effective Tax Rate on undisclosed income under IDS, 2016 is still 45% – here is why

Introduction
1. Under the Income Declaration Scheme, 2016 (‘IDS, 2016’ or ‘the scheme’) a person is required to declare his undisclosed income by paying tax, surcharge and penalty totalling to 45% of such undisclosed income declared. Recently, there has been some discussion in the media that effective rate of tax on undisclosed income has come down to 31% from 45%. This conclusion seems to have been arrived at by drawing an inference from the response to the 5th question of the 3rd set of FAQs issued on 30th June, 2016 wherein it has been assured that no departmental enquiry shall be made in respect of sources of payment of tax, surcharge and penalty. The relevant question reads as under:
“Question No.5 : Where a valid declaration is made after making valuation as per the provisions of the Scheme, read with IDS Rules and tax, surcharge & penalty as specified in the Scheme have been paid, whether the department will make any enquiry in respect of sources of income, payment of tax, surcharge and penalty?
Answer: No”
The basis of arriving at 31% tax rate is as follows: Suppose, Mr. X has an undisclosed income of Rs. 145 and out of Rs. 145 , he declares Rs. 100 and accordingly, he pays tax of Rs. 45 (Rs.100×45%). Now, drawing support from response to question No.5 Mr. X is of the view that after declaration he will have a total legitimate income of Rs. 145 [Rs.100 which was declared under the scheme plus Rs.45 for which no question shall be asked regarding its source] and accordingly the effective tax rate is 31% (45/145×100).
2. Why, here is why the aforesaid view does not reflect the correct position.
♦ The basic requirement for making a declaration under the IDS is that there should be undisclosed income which has so far remained untaxed. The scheme does not define as to what constitutes “undisclosed income”, but section 183 of the scheme categories it in three parts-First part covers a case where the person has failed to furnish a return of income under section 139 of the Act. Second part covers a case where the person has failed to disclose any income chargeable to tax in the return of income before the commencement of IDS i.e., 1 June 2016. Third part covers a case where income of a person has escaped assessment by reason of the omission or failure on the part of such person to furnish the return of income or to disclose fully and truly all material facts necessary for the assessment or otherwise.
♦ As can be observed, section 183 nowhere provides that if one is successful in explaining the source of income to the satisfaction of the Assessing Officer (‘AO’), such income shall be treated as legitimate income, even though no tax has been paid in respect of such income.
♦ Further, on perusal of the scheme and the forms, it is clear that the scheme does not require disclosure of the manner in which undisclosed income has been derived by the declarant as it merely requires disclosure of income assessment year-wise and head-wise (salary, income from house property, capital gain etc.). In that sense, the issue dealt with by Question No.5, is merely clarificatory in nature.
♦ Moreover, the scheme doesn’t mandate a declarant to disclose his entire undisclosed income. It is entirely upto him whether to disclose his entire undisclosed income or part income. The only condition is that he must pay the full amount of tax (including surcharge and penalty) within the specified timeline in respect of undisclosed income declared by him under this scheme. However, he will get the immunity only in respect of such undisclosed income which he declares under the scheme, the balance shall be subject to tax under the Income-tax Act whenever the AO detects such income.
♦ This aspect has been clarified by the CBDT in its FAQ [Circular No. 17 of 2016, dated 20.6.2016]
“Question No.10 : If a person declares only a part of his undisclosed income under the Scheme, then will he get immunity under the Scheme in respect of the part income declared?
Answer: It is expected that one should declare all his undisclosed income. However, in such a case the person will get immunity as per the provisions of the Scheme in respect of the undisclosed income declared under the Scheme and no immunity will be available in respect of the undisclosed income which is not declared.”
♦ Further, this position emerges from the combined reading of section 188 and section 197(c) of the scheme. For ready reference the relevant extracts of section 188 and section 197(c) have been re-produced as under:
“Undisclosed income declared not to be included in total income.
188. The amount of undisclosed income declared in accordance with section 183 shall not be included in the total income of the declarant for any assessment year under the Income-tax Act, if the declarant makes the payment of tax and surcharge referred to in section 184 and the penalty referred to in section 185, by the date specified under sub-section (1) of section 187.”
“Section 197. For the removal of doubts, it is hereby declared that–
** ** **
(c) where any income has accrued, arisen or received or any asset has been acquired out of such income prior to commencement of this Scheme, and no declaration in respect of such income is made under this Scheme,–
(i) such income shall be deemed to have accrued, arisen or received, as the case may be; or
(ii) the value of the asset acquired out of such income shall be deemed to have been acquired or made,
in the year in which a notice under section 142, sub-section (2) of section 143 or section 148 or section 153A or section 153C of the Income-tax Act is issued by the Assessing Officer, and the provisions of the Income-tax Act shall apply accordingly.”
♦ Section 188 of the scheme provides that “the amount of undisclosed income declared in accordance with section 183” shall be excluded from the total income of the declarant for any assessment year under the Income-tax Act if he pays tax at 45% within the specified date. The declarant will be given a certificate of declaration under section 183 in respect of “amount of undisclosed income declared and accepted” by the Department. Accordingly, the immunity under section 188 shall be restricted to the amount of undisclosed income declared and accepted under the scheme.
♦ Section 197(c) of the scheme introduces a deeming fiction regarding accrual of undeclared income/acquisition of asset [acquired out of such income] which has already accrued/been acquired prior to the commencement of scheme. According to this section, any undisclosed income not declared under this scheme can be taxed in the year in which a notice under section 142/143(2)/148/153A/153C is issued by the AO, irrespective of the year it belongs to.
♦ Now, in the above example, if Mr. X has declared Rs. 100 under this scheme and, therefore, in future years, he may be relying on section 188 claim before the AO that he had made disclosures of Rs. 100 under IDS, 2016, to that extent he should not be subjected to double taxation. However, the remaining Rs. 45 may be taxed by the AO by invoking section 197 (c), if it comes to his knowledge that Rs. 45 is, in fact, an income which was never offered to tax earlier. At that point of time, the AO may also levy penal interest, and initiate penalty & prosecution proceeding.

Effective Tax Rate on undisclosed income under IDS, 2016 is still 45% – here is why is written by CA Chandan Kumar. Mere assurance that the source of payment of tax shall not be enquired into is insufficient to convert an undisclosed income into a legitimate income for tax purpose.

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Learn All The Tips About Car Shopping Here

Car shopping isn’t a simple process. There are many cars with lots of variables. This is why having great information is essential to smoothing out the process. Here are some tips that will help you make a good purchase without hassle.

Do a little research before you enter the showroom. When you walk into a showroom, sticker prices are usually listed right on the cars. It is important to understand that all dealerships have some wiggle room from these prices. If you do your research online first, you can gain an understanding of how much the car you want is selling for you in your area. This will help you to understand how much room there is to negotiate down from sticker price, so that you get the deal you are really looking for.

Ask the car dealer to show you a vehicle history report. This can tell you if the vehicle has been in an accident or if it has been recalled. It can also show you what repairs have been done and when they were done so that you know exactly what you are buying.

You want to stay focused on the total price, not monthly payments. Though the dealer can negotiate a monthly price for you, keep in mind that these monthly payments add up, and in the end, the cost of your car could be through the roof. Instead, negotiate for the best overall deal on the price and financing of your vehicle. Once you have done that, determine what the monthly payments will be.

Consider selling your car privately, rather than trading it in for the new car you want. You will almost always get more for your car through a private sale than you would through a trade in. Even if the dealership makes it sound like they are giving you a great trade in value, they will likely raise the price somewhere else to make up for the difference.

Never dress up to go to a car dealership. It will be harder to make a deal and convince someone you deserve a better price on a vehicle if you are draped in expensive clothing. While you want to appear neat and clean, do not wear anything that will make you look more well off than you are.

Shopping for a new car can seem complicated when it comes to pricing. Take your iPad or phone with you to the dealer. You can search the Internet and find car payment calculators that will let you know what your payment is going to be without having to rely on the dealer.

Never turn over your trade-in keys to the salesperson before the deal is finalized. Some pushy salespeople will hang onto them in an effort to pressure you into hearing them out, even after you have turned down a deal. Keep the keys in your possession and only hand them over when the deal is done.

Many people who have bad credit end up at a buy-here pay-here dealership. Be very careful of these types of dealers. Usually they buy cars at auction for little money and the majority of the money they make is off of the high interest rates they charge. If you have any choice, always get a loan from a bank, not the dealership.

Always be leery of any used car dealers on the side of the road. These dealers almost always have a less than reputable reputation. The cars they sell could have flood damage, need major repairs, and are sold without warranty. Once you drive that car off the lot, any problems the car has are now your problem.

Car shopping with knowledge will set you apart from your peers. These suggestions will help you select the right vehicle. It will make car buying more enjoyable.