Health and Nutrition Stores Carry the Real Thing

Have you taken your vitamins today? Do I sound like your mother? Most doctors now recommend taking a good daily multiple vitamin. This is quite a reversal for many physicians who previously thought vitamins were a “waste of money”. Well, they were partly correct. Many vitamins and supplements ARE a “waste of money.” Why? Because they are mostly synthetic … phoney stuff, artificial colors and fillers with which your body doesn’t know what to do!

Test: does your present multi-vitamin list Vitamin E? Is it listed as Vitamin E (as d-Alpha Tocopherol) or does it have an “l” after the “d”? Vitamin E (as dl-Alpha Tocopherol) is synthetic and un-natural; made in the chemistry lab. Will it act the same way in your body? Will it do what you wanted your Vitamin E to do?

Professional health and nutrition stores carry the real thing; the genuine article. They don’t sell TV’s and hi-fi equipment or repair screen doors. All health food stores pledge to you their full attention to your questions and concerns about your health. They promise to empower you in every way to help you discover ways to improve your own immune system and address the health issues that matter to you. Remember though, health food and nutrition stores do not employ doctors or pharmacists, and any suggestions they make are based on other customer successes, company claims, or their own personal experiences with various products. Always consult a trained health care practitioner.

At a professional health and nutrition store they want to help you discover how real and natural vitamins and supplements can help improve your well being.

The older we get, the smarter we get about what we put in our mouths. And with supplements, we supplement an already good diet, and sort of fill in the gaps. Health and nutrition stores suggest that good nutrition begins in the produce aisle of either their store, if they sell foods or your grocery store, but then come to a good health and nutrition store to supplement your already healthy diet.

Controlling Your Health Care Costs in Retirement

It’s no secret that health care becomes a bigger concern for most of us as we grow older. More ailments are likely to develop, which means more money spent to visit health professionals and buy medication. Even if you remain healthy through your later years, the costs of preventative care and preparing for potential unexpected health situations are rising.

Health-related expenses will likely be one of the biggest components of your retirement budget. You need to be prepared to pay for comprehensive insurance coverage and potential out-of-pocket costs for care. Here are three strategies to help you manage this critical expense in retirement.

Understand how Medicare works

The good news for Americans age 65 and older is that you qualify for Medicare. That makes increased dependence on health care services more affordable. At age 65, most people automatically qualify for Medicare Part A at no cost, which primarily provides coverage for hospital stays and skilled nursing care. Medicare Part B must be purchased (approximately $109 per month in 2017 for most retirees). Part B covers the costs of visiting a physician, but with some deductibles. Many people purchase additional coverage to use for out-of-pocket expenses, such as a Part D prescription drug plan or a Medicare Supplement policy.

With Medicare, timing is important. Signing up when you first qualify for coverage will keep costs at the lowest level. If you maintain insurance through your employer after turning 65, you can delay Medicare enrollment without risking late penalties.

If you retire prior to age 65, you will need to purchase insurance on the open market to cover health-related expenses until you become eligible for Medicare. Individual coverage tends to get more expensive as you grow older, so work the cost into your retirement budget. Some employers offer retiree health insurance as a benefit. Check with your human resources department to see if this option is available to you.

Allocate sufficient funds for health care costs

As you develop your retirement income strategy, make sure you have money set aside for health expenses that will be your responsibility. By one estimate, the average 66-year-old couple will need to tap more than half of their lifetime pre-tax Social Security benefits to pay for health care expenses throughout retirement. Most people will likely have to rely, in part, on their own savings to help offset some medical expenses.

Along with other retirement savings, you may want to establish a health savings account (HSA) during your working years. HSAs are designed to help build tax-advantaged savings to pay for out-of-pocket medical expenses you incur during your working years. However, any leftover funds can be applied to health expenses later in life, including premiums for Medicare and long-term care insurance. Keep in mind that you must be enrolled in a high deductible health plan to open an HSA.

Focus on your own health

One way to potentially keep health care costs under control in retirement is to create or maintain a healthy lifestyle. Small changes you make today, such as eating right or prioritizing sleep, could reduce the likelihood that medical issues will impact you later in life. Being physically active may also benefit your finances in retirement – according to the American Heart Association, it could potentially help you save $500 a year today on health-related expenses.

Selling Points of Estonian Spa and Wellness Tourism

“Recently I had to explain to a British tourism expert, why is it worth to take a spa-vacation in Estonia. She had been to Estonia before and therefore knew Estonian life in general. But she was extremely surprised when I told her that Estonia has almost 200 years of health and spa tourism experience. And when she heard about our price-level and different opportunities of treatments and services, she was totally speechless. After recovering from my praising speech, she asked me why don’t we promote local spa services and opportunities…”

This is a story from Sabina Kaukis, a spa blogger in Estonia.

So, it means that Estonia has extremely valuable spa traditions, resources and opportunities. Spa tourism could be the most special selling argument of Estonian tourism. But is our spa sector good enough in marketing and promotion?

Enterprise Estonia, which is responsible for overall promotion of Estonian tourism abroad, has chosen spa and wellness tourism as one of the focuses how to attract foreign tourist to Estonia. Their introductory brochure Wellness Holidays in Estonia brings out:

that our sauna could be called a Nordic spa – the bather warms himself at 100-degree Celsius and then whips himself with birch or juniper branches, charges into cold water with his body steaming, and cleans the skin with salt, honey, milk, and plant infusions;
how Estonian tourism farms allow foreigners to experience our native health culture – guests are fed with locally grown organic foods and the vacationer may augment these with ecologically friendly, classically healthy activities such as hikes in the forests and bogs, canoe trips, or horseback riding;
the variety of different environments for spa and wellness vacation – from rough beaches to top resort hotels, from country spas to pure outdoor experiences;
of course the uniqueness of Estonian mud – on 19th century in became clear to spa operators that in addition to water, air, warmth and light, the earth itself was extremely beneficial for improving a person’s health;
that there is something for every visitor – medical spas are popular next to wellness spas, adventurous water and theme parks, hiking trails, herb farms, and manor homes.

These are some keywords how Estonia describes itself as a spa and wellness destination. Soon we`ll take a look at how spa companies promote their services.

And by the way, it appears that nowhere else in the world there are not so many spas per capita – more than 40 spas for 1.3 million people. Even more, small Kuressaare town (15,170 inhabitants) has 1230 spa-hotel places – probably the most spa-filled town in the world…