Magnesium is a vital mineral that our body uses in more than 300 of its chemical processes, including muscle and nervous system function and extracting energy from food. In fact, there are so many more benefits of magnesium, from better sleep to improved mood.
Magnesium deficiency can increase your risk of heart disease, type 2 diabetes and osteoporosis, which makes it important to ensure your intake is high enough to support your body. Magnesium overdose is possible, so ensure that if you choose to take the best magnesium supplement you are following the guidelines, and if you have an underlying condition, we advise you speak to your doctor first. Eating more magnesium rich foods is another way to top up your levels safely.
So what are the main benefits of magnesium? Read on to find out.
According to Roxana Ehsani (opens in new tab), registered dietitian nutritionist and national media spokesperson for the Academy of Nutrition and Dietetics, magnesium regulates neurotransmitters that are related to sleep, and in studies, people who have issues falling asleep who were supplemented with magnesium found it easier to fall asleep.
There is also a link between magnesium and restless leg syndrome, with evidence suggesting that magnesium supplementation can help alleviate this (mainly) night-time issue. Ehsani says: “Although there needs to be future studies conducted, people who suffer from restless leg syndrome may be relieved from supplementing with magnesium as it is responsible for helping regulate muscle and nerve function.”
Roxana Ehsani is a board-certified specialist in sports dietetics and a National Media Spokesperson for the Academy of Nutrition and Dietetics. She holds a Bachelor of Science in Human Nutrition, Foods and Exercise from Virginia Tech and a Master of Science in Clinical Nutrition and Dietetics from the University of Pittsburgh. Below, she gives her advice on what to look for in a multivitamin for women.
Magnesium has been linked with improved mood, as it helps to regulate hormones such as serotonin and melatonin, the ‘feel good hormone’ and the ‘sleepy hormone’.
It is also involved in our stress response: a 2020 study in the Nutrients (opens in new tab) journal found that chronic stress and anxiety depletes the body’s stores of magnesium, which leaves us less equipped to deal with stress. Consuming sufficient amounts of magnesium can help you better handle stress.
Dr Deborah Lee, a medical doctor and a writer for Dr Fox Online Pharmacy (opens in new tab), explains that magnesium can help to reduce period pain. “There are two reasons magnesium may reduce period pain,” she says. “Firstly, magnesium is a calcium antagonist and has been shown to reduce uterine muscular contractions. Secondly, it inhibits the production of the prostaglandin PGF2- alpha. Women with the greatest degree of pain relief when taking magnesium were found to have the lowest amount of PGF2 alpha in their menstrual fluid.”
A Cochrane (opens in new tab) review on the subject found that magnesium supplementation reduced overall period pain and women taking a magnesium supplement relied less heavily on pain relief over their period, when compared with those taking a placebo.
Ehsani says magnesium can help keep our skeletons healthy. “Magnesium is a major component of the bone and the majority of the body’s magnesium is stored in the bone,” she says. “Consuming a diet rich in magnesium is important and studies have found that it leads to greater bone mineral density.”
A 2021 review in Nutrients (opens in new tab) journal links magnesium deficiency to bone fragility in older people, as well as other age-related conditions. Another review in Biometals (opens in new tab) confirmed a cause-and-effect relationship between magnesium intake and the maintenance of normal bone density.
Sufficient magnesium intake has been linked to a reduction in blood pressure and lowered risk of developing cardiovascular disease, as seen in an article in the Journal of Clinical Hypertension (opens in new tab). The article states that an intake of 500mg to 1000mg of magnesium (which is higher than the recommended 300mg-500mg RDA), combined with potassium and reduced sodium intake might lead to a reduction in blood pressure.
“Magnesium supports endothelial function,” explains Lee. “The endothelium are the cells lining blood vessel walls. Directly and indirectly, it initiates both vasodilation and vasoconstriction, lowers blood pressure, reduces the risk of cardiac arrhythmias, improves insulin resistance, prevents platelet aggregation, and has an anti-thrombotic effect,” she says.
She adds: “It can also Boost exercise tolerance in those with stable coronary artery disease. It has been calculated that adding magnesium to drinking water would reduce mortality by 30-35%. Low magnesium levels are associated with accelerated atherosclerosis in the coronary arteries.”
A randomized controlled trial in Diabetes and Metabolism (opens in new tab) indicates that magnesium supplementation can help to Boost the glycemic status in prediabetic patients. In the study, 113 participants between the ages of 30 and 65 with hypomagnesaemia and prediabetes were given the equivalent of 382 mg of magnesium or a placebo.
Lee says there is growing evidence that magnesium supplementation may reduce your risk of developing type 2 diabetes. “Several studies have demonstrated an inverse relationship between the dietary intake of magnesium and the risk of developing type 2 diabetes,” she says. “Type 2 diabetes has been noted as more common in those with low serum magnesium levels. Although the exact reasons for this are not known, magnesium is a vital co-factor for many of the biochemical reactions involved in carbohydrate metabolism.”
Lee says that magnesium deficiency can play an integral role in frequency and severity of migraines and headaches. “The reasons for this are not well understood, but magnesium deficiency can cause platelet aggregation, which has been observed during migraine attacks,” she says. “It also disrupts the electrical activity of the brain cortex, causing abnormal cortical spreading: this is a depolarised wave of altered brain activity.”
The concentration of magnesium is also essential for serotonin receptor function. Low levels of magnesium lead to a reduction in nitric oxide synthesis and affect N-methyl-D-aspartate receptors (glutamate receptors), which then cause behavioral changes, such as impaired concentration and memory.
We’ve investigated the science behind taking magnesium for headaches, for a deep-dive into this area.
Asthma is a complex condition and has been linked to magnesium due to the anti-inflammatory effect magnesium can have on the lungs.
“It causes bronchial dilatation and vasodilatation and is sometimes given intravenously, to treat severe or life-threatening asthma,” says Lee. “In a 2014 Cochrane (opens in new tab) data review, that included 14 randomized controlled trials and 2313 patients seen in the ER with acute asthma, intravenous magnesium was found to reduce the risk of hospital admission and was associated with improved lung function tests.”
Due to the intimate relationship between magnesium and nerve function, there is potential for the use of magnesium in treating or reducing the incidence of seizures. “Very low magnesium levels have been shown to cause typical ’Grand mal’ seizures
in children and adults,” says Lee. “During pregnancy, magnesium is often the first-choice drug in women with pre-eclampsia to prevent eclamptic seizures. It may be that magnesium is effective for seizures because it inhibits NMDA glutamate receptors, and hence prevents cortical spreading.”
This article is for informational purposes only and is not meant to offer medical advice.
Everybody’s trying to find THC-B online, and we don’t blame them; THC-B benefits are amazing! From reports of THC-B benefits being anxiety reducing to relaxing, relieving and even joyous, we’re clamoring to get our hands on the best online THC-B ourselves. So where can we find it? At binoid.com.
Binoid is our go-to online source for all cannabinoids, including delta 8 THC, delta 10 THC, THC-O, THC-P, and HHC-P products on top of the latest and greatest THC-B products as well. Binoid sells their own branded THC-B vape cartridges in multiple flavors: Cloud Nine (Hybrid), Mountain Temple (Sativa), Juicy Fruit (Hybrid) and Caribbean Breeze (Indica). You can purchase the cape cartridges as singles of the above, or bundle your favorite flavors in either a 4-pack vape cartridge bundle or an 8-pack vape cartridge bundle. From informative articles, reliable customer reviews and the latest THC-B products, Binoid is a leading expert in the industry for cutting edge cannabinoids.
Why is Binoid the best place to buy THC-B online? One important aspect for us has always been Checked user reviews. A brand can make claims, but it takes real customer feedback to back up a brand being the best. Binoid has thousands of real reviews from people just like you and I; people using cannabinoids for recreation and medication. Seeing a full menu of five star THC-B products with more than enough app customers reporting back on the effects lets us know that we chose the right place to buy THC-B online when we navigated to Binoid.
With THC-B benefits that help you focus and potentially Boost your whole-body wellness, we won’t be surprised to see this cannabinoid take over as a top-seller in the months to come. If you’re ready to try it for yourself, you can check out Binoid’s THC-B products here. If you want to learn more about this incredible cannabinoid, from THC-B benefits to where THC-B is legal, keep studying for Binoid’s expert answers to all your recently asked THC-B questions.
To get to the bottom of why THC-B benefits are so amazing, you first must understand what THC-B is. Tetrahydrocannabutol (THC-B) is one of 120 cannabinoids that naturally occurs in the hemp plant. An extremely trace cannabinoid, THC-B was discovered for the first time in late 2019. In fact, it was discovered along with tetrahydrocannabiphorol (THC-P) by a team of Italian researchers analyzing the chemical composition of the hemp plant through liquid chromatography. More on that in a little bit.
Because THC-B was only discovered a couple of years ago, it’s not surprising that there’s still a lot we have yet to learn about it. Remember, many other cannabinoids, including CBD, delta 8 THC, and delta 9 THC were discovered in the 1960s, giving us decades worth of research and clinical data to understand the exact nature of their effects on the human system.
Researching and testing cannabinoids takes time, and so our knowledge of THC-B remains somewhat limited at the moment. But, the researchers who discovered the cannabinoid did get a chance to analyze it enough to supply us a good idea of its potential.
How are THC-B benefits created? You see, Tetrahydrocannabutol (THC-B) is a homologue of delta 9 THC, and in terms of chemical structure, the difference between the two is that while Delta-9 THC has a pentyl side chain, THC-B has a butyl side chain. It has been determined that THC-B has an affinity for both CB1 receptors (cannabinoid receptors in the nervous system) and CB2 receptors (cannabinoid receptors mainly in the immune and digestive systems), much like Delta-9. Plainly speaking, this means that THC-B works with a wide variety of processes throughout the body to offer regulatory effects via the function of the endocannabinoid system (ECS).
Also has been determined how THC-B works on CB1 receptors on a stronger level than delta 9 THC. Keep in mind, too, it’s the CB1 receptors in the brain that trigger the psychoactive effect for which we experience from those THC-based cannabinoids in general.
Note: It is unclear which cultivars (strains) could contain higher levels of THC-B than others, since little research has been conducted into this new cannabinoid.
One of our most asked questions is to provide a list of THC-B benefits. Great question! The reported benefits of THC-B include:
As we still have a lot to learn about Tetrahydrocannabutol, what we do know is that its psychoactive properties are already making it extremely popular. The high is often compared to THC-P, and in fact, the two cannabinoids seem to be popular to take together, as there may be a synergistic effect that really gives you a phenomenal experience within the body and mind in terms of mood, relaxation and so on.
The key thing to know about tetrahydrocannabutol’s high is that it is all about euphoria. People describe a stronger feeling of euphoria than they’ve ever experienced with any other cannabinoid. Also is potentially very-long lasting, as we are aware that many other cannabinoid-based products provide only a short phase of euphoria that doesn’t last for the duration of the high.
Also, alongside the euphoria effect, users report a uniquely powerful body high that can be intensely relaxing and great for easing physical tension.
Overall, there seems to be more research on tetrahydrocannabiphorol over tetrahydrocannabutol. Still, that doesn’t mean much when there isn’t much available at all. The data was published online in a scientific journal called Nature. It breaks down the direct process those researchers utilized to recognizing both THC-P and THC-B.
Researchers further document that it’s possibly THC-P, with several THC-B aspects, that might be bringing about the psychoactive effects in cannabis users over delta 9 THC. Of course, this is what scientists have been saying for years now. While challenged by other scientists, additional research must take place before clear acknowledgements are made. With cannabis still considered a Schedule I drug by the DEA, cannabis and hemp research is left to scientists outside of the United States to make breakthroughs.
Wondering THC-B benefits and if they including getting “high?” The answer is yes, THC-B can get you high. THC-B a psychoactive cannabinoid, and as we’ve already shared, it seems to have a stronger affinity for CB1 receptors than delta 9 THC, which directly influences the potency of its high.
Basically, this information implies that tetrahydrocannabutol’s (THC-B) high is more powerful than delta 9’s. Just how much more powerful has yet to be determined. Its psychoactive effects haven’t yet been observed by researchers, so we can’t offer a specific comparison, like we can with tetrahydrocannabiphorol which’s known to be about 10x as intoxicating as delta 9 THC. THC-B is unlikely to be more intoxicating than THC-P, the cannabinoid considered to be the most psychoactive in all of cannabis. We also don’t yet know the specifics of the high in terms of its dominant effects – for instance, whether it creates a feeling of euphoria, whether it’s associated with couch lock, etc.
Let’s break down THC-B benefits a little bit more. With tetrahydrocannabutol (THC-B) being such a new discovery, we don’t have access to ample studies that confirm specific properties and effects that this cannabinoid type is capable of – yet. But, the researchers who isolated THC-B did test out the compound in animal trials to get a basic understanding of what viable benefits it has. They displayed how it created some of the identical effects in mice as it did in humans.
These primary effects include:
Note: If you’re currently taking any medications, you should talk to your doctor first (and regardless, you should if you’re new to this cannabinoid) about trying THC-B, as it could suppress the CYP3A4 enzyme that’s responsible for metabolizing half the popular meds we take.
So the THC-B benefits are great, but are they legal? When researching what is THC-B one of the most important pieces of information you need to find is if THC-B is legal in your state. And, as of now, there’s no reason why it wouldn’t be, at least on a federal level, as we all know that state laws can change rapidly and sometimes without a seemingly good reason. THC-B is not a specific type of cannabinoid, but rather the result of a chemical process applied to existing cannabinoids that are already protected under federal law.
Also, THC-B can be applied to non-psychoactive cannabinoids as much as intoxicating ones, so THC-B is not inherently associated with causing a high, which is what makes many cannabinoids legally controversial. At this point, THCB and THC-B products are considered legal and may possibly be shipped to most states.
As a rule of thumb, any time you encounter a cannabinoid with “THC” in the name, you should assume that it puts you at risk of failing a drug test. Why? Because all THC-based cannabinoids are metabolized by an enzyme called THC-COOH, which is what standard drug tests are seeking to identify in a person’s urine.
Because THC-B is particularly potent, there’s good reason to believe that it’s actually more likely to fail a drug test after taking this cannabinoid than it is after taking delta 9 THC.
With THC-B benefits come THC-B side effects. Taking too much THC-B, like any psychoactive compound can cause intense side effects. Again, because the compound is strong we suggest smaller dosages first then taking higher doses after time once you get comfortable with the compound and effects.
What is THC-B and does it have side effects? You should always research side effects before trying anything! Reported side effects include:
THC-B is just starting to make its way onto the market, and as you probably guessed, Binoid is leading the way with all the incredible THC-B benefits being reported by customers. THC-B can be converted into a distillate just like any other cannabinoid you’ve explored in the past, which means that it can be used to produce the same product types that you’re already familiar with. But, here are the products that you can expect to see appear first.
THC-B Vape Carts: THC-B vapes will probably be the most popular way to enjoy the cannabinoid, as we’ve seen with every other psychoactive hemp derivative. You’ll find THC-B cartridges, and disposable vapes will also likely emerge. These products will come in a variety of strains to choose from.
THC-B Gummies: Cannabinoid gummies are also extremely popular, so keep an eye out for THC-B gummies that offer several hours of intoxicating effects and delicious gummy flavor.
THC-B Tinctures: THCB tinctures mix MCT oil with 1000mg of THC-B and Delta 8 to make a strong and powerful experience in an edible form.
THC-B Bundles: You can get these amazing THCB products in bundles for an amazing price.
As of now, the only real THCB products on the market are Binoid’s new THCB vapes. They use premium 94% THC-B and THC-O distillate, and are produced with hydrogenated cannabinoids. Other brands do not seem to have the same quality or effects currently. Therefore, we definitely suggest buying THC-B online from Binoid, as they are a trusted brand with over 25000 reviews on their website. They are the best and most potent THCB cartridges on the market.
However, given the buzz around THCB, we anticipate that this will become a trend throughout the hemp industry in the future. This hydrogenation process can be applied to any existing cannabinoid-based product on the hemp market. Everything from CBD topicals to delta 8 vape cartridges and delta 8 gummies can be made with hydrogenated versions of their active compounds to simply work more effectively through enhanced bioavailability. It could even become a new standard for processing hemp formulas.
It looks as though THC-B is about to become the new cannabinoid to experience, and you’ll be able to grab it right here at Binoid.
At Binoid, you can trust that their THC-B products contain only third-party-tested hemp derivatives and clean ingredients, to offer their customers the highest levels of quality and effectiveness possible. Keep your eyes peeled as THC-B products make their way onto Binoid’s website, as we’re sure you’re going to want to supply this exciting discovery a try.
Advertising disclosure: We may receive compensation for some of the links in our stories. Thank you for supporting LA Weekly and our advertisers.
Getting divorced is a complex process, and it is especially complicated in the military.
Most pitfalls for service members lie in the division of certain government benefits. There are particular restrictions for veterans that govern how their benefits are split during a divorce, as military or veteran benefits may or may not be distributed.
A military pension may be considered shared property that must be divided in the event of divorce. In general, marital property that does not meet the criteria of separate property is split at divorce. Property obtained either before or after a divorce is referred to as "separate property." Property acquired during the marriage is usually considered shared property unless it was received as a gift or inherited entirely in the spouse's name.
New federal restrictions in 2017 also altered how pensions are distributed throughout all 50 states. The pension is currently locked in time as of the separation, divorce or annulment date. The purpose of this federal regulation was to prohibit an ex-spouse from receiving a higher-than-normal pension sum. For example, if the service member was a sergeant at the time of the divorce but is now a master sergeant, the ex-spouse will get a portion of the retirement income based on the lower rank.
Some examples of military benefits that would be considered separate property include Combat-Related Special Compensation (CRSC) and VA Disability Compensation. These payments are considered separate property of the retiree and are not split upon divorce because they involve an injury or medical condition and are not retirement benefits. Similarly, Department of Veterans Affairs disability compensation benefits are not subject to divorce since these benefits are viewed as a particular gratuity provided to veterans with disabilities related to their time in the military as recompense for any diseases or injuries they sustained while serving.
The 20/20/20 rule is often brought up during a military divorce when deciding upon an ex-spouse's access to the same benefits as a military spouse. The breakdown of the criteria that make ex-spouses eligible include:
Should the ex-spouse meet all of these requirements, they will receive access to the same benefits as a current military spouse for the remainder of their life, provided they don't remarry. They will still retain their military ID card, which grants them access to base commissaries and military exchanges. Continuation of Tricare benefits for qualifying spouses is not automatic and must be re-registered under their own names and Social Security numbers. Tricare requires applicants to provide original copies of their marriage certificates, divorce decrees and any other papers proving their ex-military spouse's service or retirement.
According to the Tricare website, eligible former spouses have the same Tricare coverage choices as retired family members up until they remarry or sign up for an employer-sponsored health plan.
Another rule that is often cited during a military divorce when it comes to awarding military pensions is the 10/10 rule. In short, the 10/10 rule states that, if the marriage lasted 10 years and the service member or former service member served in the military for at least 10 years during that time, the former spouse is entitled to pension payments directly from the Defense Finance and Accounting Service (DFAS). The spouse's attorney must ensure that specific language is included in the divorce paperwork.
The rule addresses only the source of payment to the spouse, which is a direct payment. The spouse gets pension-related payments directly from DFAS, which handles payments for the Defense Department. As a result, the ex-spouse is freed from the need to rely on and wait for payments from the retired service member.
The 10/10 rule generally causes confusion when retired military personnel claim that the former spouse is only eligible for military pension benefits if the pair were married for at least 10 years while they were together serving in the military. The 10/10 rule is only used to determine whether the former spouse will receive payments directly from DFAS instead of the service member or veteran. The 10/10 rule is not used to determine whether a former spouse is entitled to a portion of the pension.
The USFSPA is a statute passed by Congress in 1982 to provide financial protection to some ex-spouses of service members. It permits states to divide military disposable retiree pay as marital property in the event of a divorce. Disposable retirement pay is defined as the total monthly retirement pay, minus:
Further, a former spouse can take out child support or alimony from the military spouse's retired pay; however, it still requires a court order and must pass the 10/10 rule should the award be sent as a direct payment. According to the USFSPA, no more than 65% of a retired military member's pension can be deducted for spousal and child support obligations.
The SBP is an annuity that a retiring service member can elect to ensure that their beneficiary receives a portion of the retired pay after they die. SBP is a specific benefit that the retiree must elect, generally at the time of retirement from active duty or immediately upon receiving their 20-year letter as a reservist, for a spouse, child or anyone with an insurable interest in the retiree.
Even if some service members decide not to sign up for the SBP plan because they have no qualified beneficiaries, they might later get married or have a kid who qualifies for benefits and want to change their election status. Because the reasons for changing one's coverage are few and far between, the SBP election made by service members at the time of retirement is difficult to change. In such a case, a service member would have one year from the date of initial eligibility (marital change, childbirth, etc.) to announce their desire to have their beneficiary covered.
In the case of marriages, there are many different nuances to be aware of, and depending on whether it is a remarriage or not, the election process and coverage amount may be subject to change. To learn more about SBP benefits, check out our article "What You Need to Know About Your SBP Benefits" for more information on your rights and coverage.
Divorces involving military personnel may be highly complex. It's crucial to know your rights when it comes to your benefits and to seek experienced legal counsel should you have any remaining questions. Even if the marriage lasted fewer than 20 years, the court may nonetheless award a portion of the military member's retirement to the civilian spouse. Every circumstance is unique. In some circumstances, the parties will divide the pension, while in others, one party will cede their pension rights in exchange for other assets after the divorce.
A former first sergeant in the United States Army Reserve and a combat veteran, Anthony Kuhn focuses on the representation of military personnel, federal employees and federal agents at Tully Rinckey, where he is a managing partner.
Be aware and get what you are entitled to. Keep up with all the legal benefits available to you as a service member, veteran or spouse and get updates delivered straight to your inbox by subscribing to Military.com.
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You might dabble in biking for fun or exercise on weekends or holidays. But have you considered biking to work or school?
Studies show that if you swap your gas-guzzling car with a two-wheel bike, you might break a sweat during your commute. This will not only help you skip traffic, but you also gain physical and mental health benefits. It’s good for your pocket and the environment, too.
If you’re new to the concept of biking to commute but you’re ready to take a spin, here’s a quick rundown on how to get started, health benefits, and safety tips to get you going.
Riding a bike to work or school is a great way to boost your overall health. In fact, researchshows that those who bike to work tend to stay slimmer and fitter than those who drive. That’s because they’re able to bump up their regular physical activity.
The benefits include:
It helps you maintain a healthy weight. Pedaling a bike requires you to use up stored energy. This burns calories. You’re able to do this even if you pedal on a flat surface at a slow, easy pace. For example, a 180-pound person who bikes 10-12 miles per hour for 30 minutes burns up to 240 calories.
The more active you are, you’re less likely you are to get chronic conditions like type 2 diabetes. It also lowers your risk for certain cancers like breast or colorectal cancer.
It’s good for your heart and lungs. Biking regularly has been found tostrengthen your heart muscles, Boost blood circulation in your heart and lungs, lower your resting pulse rate, and cut down on blood fat levels. This reduces your overall risk for cardiovascular diseases.
Moreover, if you bike to work, your exposure to air pollution is two to three times lower than folks who drive to commute. It improves your lung health in the long run.
Biking builds muscle. The repetitive motion of cycling is a form of aerobic exercise. That’s because you need to put in some force and effort to push the peddle to move your body weight forward.
You’ll need to do this all while sitting up straight and maintaining balance. This engages several muscles in your body in your lower, upper body, and core. This helps to lean you out and makes your muscles stronger over time.
Biking improves balance and proprioception. When you bike, you need to sit upright and engage your core to keep yourself from falling sideways. This helps to Boost your ability to maintain balance.
Additionally, cycling helps Boost your ability to understand where your body is in relation to space, action around you, location, and movement. This is known as proprioception.
As you age, both balance and proprioception can decline. But biking helps you stay active and lowers your risk for fall injury as you age.
It can boost mental health and relieve stress. Biking releases feel-good chemicals in your brain called endorphins. This can make you feel better, especially if you’re under stress. Regular physical activity from biking also positively boosts your overall mental health.
On average, Americansspend over $2,500 per year to get to and from work in a car. And according to AAA, Americans spend close to $10,000 per year to maintain a car.
Biking to work may require some upfront costs, especially if you need to buy a bike and basic accessories. But compared to driving a car to commute, the cost of owning a bike costs about $350. So biking to work can save you money.
It can cut down on expenses for gas, car payments, monthly car insurance, parking, and any car repairs or maintenance costs.
Some companies also offer commuter tax breaks if you choose to bike to work. But your employer will need to participate in a commuter benefit program. Check with your company if you qualify for such benefits.
Biking to work is also good for the environment. When you bike to work, it can help:
Fewer cars on the roads also means there’s less need to build more roads to accommodate them. This cuts down on runoff water that usually pollutes ground water.
First, if you don’t already have one, you’ll need to make an initial investment to get a bike with all the standard accessories like:
To prepare your ride to work, you should:
Find the right bike. Bikes are available in several types and builds. For example, a road bike is a better fit to ride on smooth pavements. Whereas a hybrid bike is good if you plan to use it for work and switch to off-road for fun. If you’re unsure, ask an expert at a bicycle store for recommendations that fit your commuting needs.
Map your bike route. Not all roads have bike lanes. Try to choose a route where you do have a bike lane option. If not, opt for wider roads. Try not to bike on sidewalks or narrow roads. Avoid busy streets and large intersections. This way, you’re less likely to hit pedestrians or get hit by car drivers.
Test it out before start biking to work. This way you have a clear idea of the roads and what to expect. Don’t rush. It’s best to take your time and get to your destination safely.
You’ll need to use you left hand to signal your turning direction and to stop.
Left turn. Stick your left arm out to signal that you’re about to turn left.
Right turn. Stick you left arm out and bend it upwards to signal a right turn. You can also stick out your right hand.
Stop. Stick your left arm out and bend it down at your elbow to signal that you’re coming to a halt.
If you’re about to pass bikers or people on the sidewalk or streets, yell “on your left” clearly and ahead of time so they can move out of the way for you.
If you’re planning to bike to commute, here are a few safety tips you should keep in mind:
If you’re just starting out or if you’re getting back on the bike after a long time, make sure to take it slow and don’t rush. Enjoy the scenery as you bike to work, follow road rules, and stay safe.
Stock market woes. High gas prices. Rampant inflation. They're all taking a toll on the pocketbooks of workers, just as many were beginning to bounce back from economic setbacks sustained during the pandemic.
In today's challenging times, offering "just the basics" in employee benefits programs, like health insurance and retirement accounts will no longer cut it for many workers in the job market. If that's the case, what can employers do to attract and retain the highest caliber workers?
The answer is to really understand what people want and to prioritize helping them achieve their goals. Companies that embrace a holistic approach to financial wellness will come out on top.
Many Americans are struggling financially, and this stress is negatively impacting their well-being and work productivity. Over half (54%) of American adults have had trouble covering expenses between pay periods over the past six months, according to new research from Ceridian, conducted by the Harris Poll. Further, 3 in 4 American workers who had trouble covering expenses between pay periods said it had a negative impact on their work. This should raise a major concern for any employer.
On the flip side, workers are seeking help: 82% of workers between the ages of 18 to 34 expect a current or future employer to play a role in supporting their financial security and wellbeing, the study showed.
As we navigate the third year of the pandemic, employers are faced with an opportunity to rethink their employee benefits packages and make sure they address workers' pain points.
Financial wellness fosters employee loyalty
While recession fears rise and layoffs occur across industries, the job market remains tight as it recovers from the Great Resignation. More than ever, adequate compensation and benefits matter deeply, and workers are calling out for more personalized benefits.
Ceridian's survey showed that more than 8 in 10 North American workers wished their employer offered non-health benefits, such as on-demand pay and flexible work arrangements, and — if offered these options — 82% would feel more loyal to their employers. The desire for financial wellness benefits was even stronger among the millennial and Generation Z population, who said they'd be less likely to look for a new job if their current employer began offering more financial wellness tools.
The signs are clear. Employees want to see more modern benefits geared towards their financial wellness goals, and employers who provide those benefits will better attract and retain talent.
Empower employees with flexibility and choice
Financial wellness isn't just about providing education and budgeting advice. It's about providing practical tools that empower people to take control of their financial lives.
Future-focused companies have adopted on-demand pay, which allows workers to claim their earned wages on any given day. Recent research shows that there is over $1T on company balance sheets in wages that workers have earned, but not yet been paid. As interest rates rise, the opportunity cost of that balance gets even higher. Whether it is putting money away into a high-yielding savings account or using funds to pay down credit card debt with rates that have floated up, freeing up this capital provides meaningful options and flexibility to workers as they manage their pocketbooks.
We also know that millions of Americans — across all income levels — live paycheck to paycheck. This means that if workers are faced with an unexpected expense like a car accident or a vet bill, they risk a negative debt spiral that can happen if they turn to payday lenders or credit cards.
With on-demand pay, workers have a safety net to protect themselves from these high-interest options by having instant access to their paychecks. Instead of waiting for payday, workers can get paid with just a tap on their mobile devices.
Financial wellness tools like budgeting, banking, and investing apps are easier to access than ever, thanks to mobile technology. Now, companies can add early wage access to the toolkit, and empower workers to have holistic financial wellness in the palms of their hands.
Simply put, providing these tools to employees is the right thing to do for workers and their employers. For a long time, standard benefits like paid time off could safely offer a certain level of employee satisfaction, but times have changed. Leading companies acknowledge that engaged and motivated employees are key to their success.
As we begin planning for 2023 and beyond, look for more companies to expand their offerings as they seek to maintain and Boost employee productivity and well-being.
General manager of Dayforce Wallet and Consumer Services, Ceridian
Social Security benefits are payments made to qualified retired adults and people with disabilities, and to their spouses, children, and survivors. Social Security—officially the Old-Age, Survivors, and Disability Insurance (OASDI) program in the U.S.—is a comprehensive federal benefits program designed to provide partial replacement income for retired adults and their spouses, those whose spouse or qualifying ex-spouse has died, and people with disabilities. Under specified conditions, it also supports the children of beneficiaries.
President Franklin Roosevelt signed the original Social Security Act into law in 1935. The current law, after a number of amendments, encompasses several social insurance and social welfare programs, including the issuance of Social Security benefits. Benefits are determined by a specific set of criteria issued by the Social Security Administration (SSA).
Payroll taxes under the Federal Insurance Contributions Act (FICA) or the Self Employed Contributions Act (SECA) (for self-employed individuals) fund Social Security and all of its benefits.
The Internal Revenue Service (IRS) collects tax deposits and formally entrusts them to the Social Security Trust Fund, which is actually made up of two separate funds: the Old-Age and Survivors Insurance (OASI) Trust Fund and the Disability Insurance Trust Fund.
You qualify for Social Security old age (or retirement) benefits by paying into the program during your working years. Full insurance is based on accumulating 40 quarters or "credits" from covered wages, and a worker can earn up to four credits a year. One credit is awarded for every $1,640 in earnings for 2023 (and $1,510 in 2022), an amount that is adjusted annually to keep up with inflation.
A payroll tax cap sets the maximum amount of earned income that is subject to the Social Security payroll tax. The payroll tax cap in 2022 is $147,000 (and rises to $160,200 in 2023).
The SSA keeps track of your earnings throughout your career, indexes each year's total earnings, and uses the 35 highest-earning years to determine your average indexed monthly earnings (AIME). Next, your AIME is used to arrive at your primary insurance amount (PIA), the monthly amount you can begin to collect when you reach full retirement age.
For individuals born in 1938 or later, the full retirement age gradually increases from 65 until it hits 67 for those born after 1959. You can collect Social Security retirement benefits at age 62, but the amount of the benefit will be reduced to compensate for receiving it earlier and, presumably, for a longer period of time.
If you wait until you're 70 instead of 62 to collect benefits, you'll get an extra 8% a year, which means you'll collect 132% of your PIA for the rest of your life. Once you reach age 70 the increases stop.
In 2022, the maximum monthly Social Security payment for retired workers is $3,345, rising to $3,627 in 2023. The SSA’s retirement calculators can help you determine your full retirement age, the SSA’s estimate of your life expectancy for benefit calculations, rough estimates of your retirement benefits, actual projections of your retirement benefits based on your work record, and more. Retired adults with non-FICA or SECA-taxed wages will require additional help because rules for those individuals are more complex.
Spouses who didn’t work or who didn’t earn enough credits to qualify for Social Security on their own can receive benefits starting at age 62 based on their spouse’s work record. Similar to claiming benefits on one's own record, a spouse's benefit will be reduced if they claim benefits before reaching full retirement age. The highest spousal benefit someone can receive is half the benefit their spouse is entitled to at their full retirement age.
When a spouse dies, the surviving spouse is entitled to file for a survivor's benefit as early as age 60. The benefit will be reduced if they file prior to reaching their full retirement age. They are permitted to switch to their own benefit at any point they wish starting at age 62 and through age 70 if that benefit is higher than the survivor's benefit.
People who were married for 10 years or longer—and are divorced and have not remarried—are entitled to collect the spousal benefit and the spousal survivor benefit. The rules are complicated so review them carefully.
If an individual taxpayer's income exceeds $25,000, or a married couple filing jointly has income that's more than $32,000, they will be required to pay taxes on their Social Security benefits.
The portion of benefits that is subject to taxation depends upon income level, but no one pays taxes on more than 85% of their Social Security benefits, regardless of income. Benefits received due to disability are, in most cases, tax-free. If your child receives dependent or survivor benefits, this money does not count towards your taxable income.
Unused Social Security benefits are kept in the Social Security trust funds and used to pay individuals receiving payments right now. Money contributed to Social Security cannot be refunded and contributions are not returned if an eligible worker dies before collecting benefits.
There are 12 states that currently tax Social Security benefits—Colorado, Connecticut, Kansas, Minnesota, Missouri, Montana, Nebraska, New Mexico, Rhode Island, Utah, Vermont, and West Virginia.
Widows can receive up to 100% of the deceased spouse’s primary insurance amount (PIA). Widows of a divorced spouse (married for at least 10 years) are also eligible to collect up to 100% of the former spouse’s PIA—assuming they have not remarried.
Social Security benefits are evaluated each year. That is, the Social Security Administration reviews benefits each year for the previous year’s income. If the latest year is one of your highest-earning years, your benefit is recalculated to reflect the increased benefit due—which is retroactive to January of the year after you earned the money.
If you're younger than full retirement age, certain types of income that contribute to your yearly earnings limit can reduce your benefit amount. Such income includes wages paid to you for working and net earnings from self-employment. Income that does not reduce benefits includes interest, annuities, capital gains, investment earnings, pensions, and other government benefits.
As one of the latest cannabinoids to hit the market, HHC-P is quickly becoming a fan favorite due to all the amazing HHC-P benefits being reported. HHC-P, or hexahydrocannabiphorol, is celebrated for its HHC-P benefits that provide a strong mental and physical experience. HHC-P products are known to chill you out, providing relaxation and relief which in turn helps one achieve a positive mood. As you can see, HHC-P is a pretty great cannabinoid to try!
What exactly is HHC-P? HHC-P is a – some may say perfect – cross between the popular HHC (hexahydrocannabinol) and tetrahydrocannabiphorol (THC-P). Where can you find the best HHC-P? You can find top-shelf HHC-P products at Binoid with all the best HHC-P benefits. Binoid’s HHC-P products are made under the same high standards Binoid is known to use to produce all of their products, such as delta 8 THC, delta 10 THC, THC-O, THC-P, and THC-B. If you want to know that you’re getting lab-tested, pure and effective HHC-P products, Binoid is where you should buy HHC-P online in order to exceed your (rightfully) high expectations.
If you’re looking to experience all the amazing HHC-P benefits you’ve heard about, binoid.com is where to find your bliss, as Binoid carries the best HHC-P products on the market. All of their products are made in the U.S. and 100% natural. Binoid’s HHC-P menu includes their own Binoid branded HHC-P vape cartridges in flavors: Ghost Rider (Indica), Hella Jelly (Sativa), Malibu Gold (Hybrid) and Space Jam (Hybrid). You can also purchase HHC-P vape cartridge bundles in four packs and eight packs of your favorite flavors. Binoid also carries HHC-P knockout blend live resin disposable 2 gram vapes in Fire OG (Indica) and Ice Breaker (Indica).
Want to learn more about HHC-P, including how it’s created and a full explanation of the HHC-P benefits? Keep studying for Binoid’s expert answers to the most frequently asked HHC-P questions!
What is HHC-P? HHC-P is sort of the THC-P of HHC – now, if that confuses you, we don’t blame you. THC-P is a naturally occurring cannabinoid found in hemp, first discovered in 2019. What makes THC-P so impressive is its ability to bind to CB1 receptors in the brain 31x more than delta 9 THC, giving it a high that some say is about 10x as potent as the more traditional THC compound. THC-P gets its enhanced potency from an additional 7 carbon atoms in its side chain at the molecular scale.
HHC-P is, in fact, the hydrogenated form of THC-P. Meaning, it’s partly made of hydrogen, it’s extremely chemically stable, and yet still capable of delivering the same properties as THC-P. Those who are familiar with HHC will understand the analogous relationship between HHC-P and THC-P, and HHC and delta 9 THC.
The creation of HHC-P and HHC-P benefits is rather fascinating. Hexahydrocannabiphorol is synthetic cannabinoid that was created in a lab by a professional scientist. HHC-P does not exist in nature and must be synthesized in a laboratory. You can see why then, too, it is crucial to have a real grasp of those third-party labs, which are required for our industry, in order to measure what’s in that said HHC-P product you’re receiving.
Hexahydrocannabiphorol is produced through an isomerization process, which is, in fact, how we get most of our hemp products today, including delta 8, THC-P, and HHC. Isomerization is a way to reconfigure the molecules in cannabidiol (CBD) to convert the cannabinoid into a new one – in this case, HHC-P.
All cannabinoids are isomers of one another? How? Because they all come from cannabigerol (CBG), the initial cannabinoid to emerge in the cannabis plant before splitting itself up into over a hundred individual cannabinoids as the plant matures. Translation: All cannabinoids have the same molecules, and thus, rearranging them converts them into different cannabinoids. CBD is used to make HHC-P because it’s abundantly available in the plant, making the process highly cost-effective.
Wondering not only what is HHC-P, but what HHC-P benefits to expect? The reported HHC-P benefits include:
As we still have a lot to learn about hexahydrocannabiphorol, what we do know is that its psychoactive properties are already making it extremely popular. The high is often compared to THC-P, and in fact, the two cannabinoids seem to be popular to take together, as there may be a synergistic effect that really gives you a phenomenal experience within the body and mind in terms of mood, relaxation and so on.
The key thing to know about hexahydrocannabiphorol (HHC-P) high is that it is all about euphoria. People describe a stronger feeling of euphoria than they’ve ever experienced with any other cannabinoid. Also is potentially very-long lasting, as we are aware that many other cannabinoid-based products provide only a short phase of euphoria that doesn’t last for the duration of the high.
Alongside the euphoric effect, users report a uniquely powerful body high that can be intensely relaxing, and great for easing physical tension.
How can you experience HHC-P benefits? Try out Binoid’s amazing HHC-P products! Currently, you can buy HHC-P products from trusted online brands such as Binoid CBD and Delta-8. They have brand new 94% HHC-P vapes that come in 4 amazing strains and you can get right on their website for an amazing price. Binoid HHCP vapes strains include Malibu Gold (Hybrid), Space Jam (Hybrid), Hella Jelly (Sativa), Ghost Rider (Indica) 1 gram vape cartridges. HHCP vape cartridges are now available to purchase.
In fact, Binoid is one of the first brands to create HHC-P products and vapes that are extremely potent and enjoyable. On top of their amazing product, they have amazing customer service, the best HHC-P vapes prices are the lowest we have seen, and just overall one of the best places to buy HHCP online.
A common question asked is if the list of HHC-P benefits including getting “high.” HHC-P, or hexahydrocannabiphorol is a psychoactive cannabinoid, and that’s for certain. Consider how HHC-P shares so much in common with both HHC and THC-P. HHC is considered to be about as psychoactive as delta 9 THC, if not a little milder. THC-P, which HHC-P mimics very closely, is, like we said, potentially 30x as intoxicating as delta 9.
While we don’t know the details about HHC-P’s high just yet, since the cannabinoid is so new, it’s safe to say that this is another potent cannabinoid that beginners should go easy with.
As for the nature of the high, we don’t have many references to draw on. But, many describe it as potently euphoric – which makes sense, considering its similarities to tetrahydrocannabiphorol. And, that’s about all we know thus far, although for many users that’s plenty, since a huge burst of euphoria alongside a far stronger-than-the typical THC high is what a lot of today’s users are looking for, specifically.
Alongside HHC-P benefits come HHC-P side effects. Researching the side effects of any product you put in your body is such a responsible and important thing to do. The reported user side effects of the best HHC-P vapes include:
Taking too much HHC-P, like any psychoactive compound can cause intense side effects. Again, because the compound is strong we suggest smaller dosages first then taking higher doses after time once you get comfortable with the compound and effects.
Remember, when using hexahydrocannabiphorol, avoid driving, handling heavy machinery or equipment, or doing any major tasks that require a lot of attention. Also, make sure to consult with your doctor first before trying HHC-P, especially if you’re on/using any medications (prescription or non-prescription). Your physician has access to your medical records and can therefore, make a proper determination if HHC-P should be part of your regimen.
Other than what is HHC-P, the most common question about HHC-P is if it’s legal – you won’t be able to purchase the best HHC-P vapes online if it’s not! HHC-P is legal, because it adheres to the 2018 Farm Bill which declared that all hemp derivatives can be sold legally if they max out at 0.3% delta 9 THC by dry weight. Essentially, hexahydrocannabiphorol is protected under federal law. As for state regulations, things are a bit on the complicated side. Several states have banned THC-infused compounds, but with HHC-P, things are a little vague. You see, while intoxicating, HHC-P doesn’t exactly fit the THC profile. Still, because it’s better err on the side of caution, assume that HHC-P will be illegal if you live in the following states:
If you are drug tested, you not only need to know what is HHC-P, but if it will trigger a positive on a urine test. As a rule of thumb, any time you encounter a cannabinoid with “THC” in the name, you should assume that it puts you at risk of failing a drug test. Why? Because all THC-based cannabinoids are metabolized by an enzyme called THC-COOH, which is what standard drug tests are seeking to identify in a person’s urine.
Where can you buy HHC-P online in order to enjoy HHC-P benefits? At binoid.com!
HHC-P product types/delivery methods are currently out on the market and Binoid is on top of it as we speak, as they are preparing to launch HHC-P products to supply users the ability to check out this cannabinoid’s impressive potential for themselves.
Of course, you can count on lab-tested, organically derived hexahydrocannabiphorol distillate combined with fresh, clean ingredients, as that’s what Binoid has built their reputation on. With any new compound, you always need to be a little more wary, because without a frame of reference, it’s easier to end up with low-quality or even fake products and not know the difference.
Because HHC-P is particularly potent, there’s good reason to believe that it’s actually more likely to fail a drug test after taking this cannabinoid than it is after taking delta 9 THC.
As of now, the only real HHC-P products to enjoy HHC-P benefits with are Binoid’s new HHCP vapes. They are the best HHC-P vapes on the market, hands down. They use premium 94% HHCP, and Delta 8 THC distillate, and are produced with hydrogenated cannabinoids. Other brands do not seem to have the same quality or effects currently. Therefore, we definitely suggest buying HHC-P online from Binoid, as they are a trusted brand with over 20,000 reviews on their website. They are the best and most potent HHCP cartridges on the market.
However, given the buzz around HHCP, we anticipate that this will become a trend throughout the hemp industry in the future. This hydrogenation process can be applied to any existing cannabinoid-based product on the hemp market. Everything from CBD topicals to delta 8 vape cartridges and delta 8 gummies can be made with hydrogenated versions of their active compounds to simply work more effectively through enhanced bioavailability. It could even become a new standard for processing hemp formulas.
Right now, HHC-P is extremely new to the market, and so you’re only going to find a limited selection of product types and not a lot of brands carrying it – but you can still enjoy HHC-P benefits! Beyond the best HHC-P vapes, here are the types of HHC-P products that you’re most likely to encounter right now.
While you may notice more companies offering HHC-P in the coming months, it’s important to remember that you must maintain strict standards when searching for a high-quality and genuine HHC-P product. Always look for lab tests, the use of clean ingredients and a positive brand reputation if you want to have a good experience trying out HHC-P benefits.
Good news is that you can find top-shelf HHC-P products at Binoid, which are made under the same high standards they use to produce all of their products. So, if you want to know that you’re getting a lab-tested, pure and effective HHC-P products, simply stay tuned as they expand their HHC-P catalog.
At the end of the day, if you are looking to get the best HHCP products on the market, we highly recommend trying Binoid’s, as they have the best formulations, strength, and purity on the market. In fact, they have the best HHC-P vapes on the market!
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Can you get VA disability benefits for contracting COVID-19? The answer depends on when and where you got COVID, and how the illness affected you.
While getting COVID-19 isn't normally enough to qualify for VA disability benefits, veterans who became ill with COVID while on active duty and suffer from other medical conditions, especially 'long COVID" as a result of their exposure, may be eligible for VA benefits, including disability and medical care.
As of early September 2022, more than 450,000 military members have become ill with COVID-19, according to the Centers for Disease Control and Prevention (CDC). The CDC also says that nearly 20% of Americans infected with COVID also show symptoms of long COVID, this means that several thousand military veterans may suffer from long COVID symptoms.
Long COVID is the name given to any of several symptoms that affect those who have been ill with COVID-19 and recovered from the main illness. These new symptoms can develop anytime after the initial infection (usually within 1-3 months), they can also persist and sometimes become worse.
According to the VA, anyone who suffered from COVID is at risk for developing these symptoms, which currently include:
Anyone who has had COVID-19 can develop long COVID, no matter how mild or severe their symptoms were. According to the CDC, women develop long COVID at a rate nearly twice that of men.
According to Public Law 116-315, the Veterans Health Care and Benefits Improvement Act of 2020, any service member who developed COVID-19 symptoms during the following time periods may qualify for VA benefits related to their COVID-19 infection:
The law says that anyone who was diagnosed with COVID-19 during any of the above periods of service is presumed to have contracted the illness as a result of their military service. That means that any long-term, COVID-related illnesses are presumed to be service-connected, without any burden of proof required of the veteran. See: Disability Compensation for Presumptive Conditions
The VA recommends that anyone suffering from any long COVID symptoms contact their medical team for assistance. Those who are not currently enrolled in VA health care should call 800-698-2411 for assistance.
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