5 Ways To Create Basic Retirement Income Streams

Americans are living longer than ever, which is mostly great news for retirees and those nearing retirement. This means you’ll have more time to enjoy your grandchildren, help your community or travel the world. The downside is that many retirees are faced with the problem of outliving their savings.

There’s no shortage of how-to articles on investing but when it comes to how retirees can create income streams that will last a lifetime, it gets complicated -- especially if you're not wealthy.

According to a 2018 poll conducted by Gallup, more than 45% of Americans are worried about running out of money in retirement -- including 35% retirees and 51% non-retirees. A survey by Employee Benefit Research Institute found that nearly 66% of workers have little to no savings for retirement, a 10% decline from 2009’s 76%. This is cause for concern because the great recession is over ten years ago and still many people are not saving for retirement.

With advances in medicine and healthcare, it’s becoming easier for people to live to 80 years of age or longer. For most Americans retirement is likely to span nearly three decades, and finding income streams that will last that long is a significant challenge.

Social Security provides a safety net for most retirees, but with an average monthly Social Security benefit at $1,365, it’s going to be very tough to live off of Social Security alone.

If you're not flush with cash reserves, the best strategy is to look beyond Social Security and find alternative income sources. Here are five strategies to help you create income streams that will last through your retirement:

1.Have a retirement plan. If you have one, make sure it’s set up to work for you.

Seems like a no-brainer – but as the stats above suggest, many people are simply not planning adequately for the future. One of the best ways to ensure that you don't run out of money in your golden years is to start a retirement plan. Waiting for the perfect time to implement a savings strategy can negatively impact your ability to retire on your terms. Speaking with a retirement adviser is a good way to validate that you are indeed making the right decisions with your retirement savings. If you don’t already have a financial advisor – consider speaking to one.

If your current advisor hasn’t provided you with a clear roadmap for the future -- it may be time to get a second opinion from a local fiduciary advisor that is required to place your best interest first. A fresh set of eyes may offer new opportunities and put you on a trajectory that is optimal for your goals.

Many financial advisors use a ‘set it and forget it’ methodology for implementing retirement strategies (Passive). Although this cruise control approach to managing investments works for some, others could benefit from a more active portfolio. If you are just started the process of implementing a retirement plan, it’s important that you ask yourself the right questions -- such as:

How much do I really need to save for retirement?
Will my nest egg last through retirement?
Should I consider LTC (Long Term Care)?
Is an annuity right for me?
When should I start receiving Social Security benefits?

Understanding how the answers to these questions impact your life in retirement is critical, and failure to plan accordingly can derail the best of plans or intentions.

2.Don't take social security earlier than necessary

It’s imperative that you familiarize yourself with Social Security and learn how things work so that you can net the most from this benefit. As women tend to claim benefits earlier than men, this advice is especially important for them.

One of the most reliable sources of income for most retirees is social security. Data has shown that Social Security benefits make up about 39% of most retirees’ income in retirement. A survey by Nationwide Retirement Institute found that more than 14% of women received social security benefits before retirement and only 3% delayed receiving social security.

According to Data supplied by the Social security Administration, if you start receiving Social Security at age 62 as opposed to 66, your benefits would be decreased by 25%, and if you claimed benefits at 63, your benefits will be reduced by 20%. In short, your benefits will be reduced according to the number of months you claim Social security before reaching full retirement age.

As most women earn less than men, it means fewer savings and more retirement risk. By delaying retirement women can make up for the lost income or reduce the chances of depleting their nest eggs too soon.

3.Consider buying an annuity

An annuity can provide you with a reliable income in retirement. Many annuities offer guaranteed income for life, which can help protect investors from outliving their savings and against inflation. The new guidelines by the IRS and U.S Treasury department highlight how employees can use annuities in their 401(k) accounts, making it easier for workers to access annuities.
Target day fund is the default investment option offered by many employers. With the new guidelines, employees now have better ideas about how to use part of their savings to buy annuities while also investing in other securities.

Using part of your savings to buy an inflation-protected annuity can be a great way to boost your income, especially now that many securities are prone to market movements and a number of other risks.

4.Work longer

Working longer allows you to delay tapping into your savings while you build your nest egg. It also could be good for your health. A study by Oregon State found that “people who worked longer, lived longer.” While working longer can help boost your financial security, it can also improve your overall well-being.

Working longer does not necessarily mean you should take on full-time roles or take on a job that stresses you out. If you search in the right place you might find a job that’s fun and pays well. You can explore online job portals for a good retirement job or look in your community for a job that’s a good fit for you.

5.Start saving early

The earlier you start saving the better. A $1,000 saved today, if invested wisely, could grow to a substantial sum in the months and years ahead. There is no doubt that saving can be daunting, especially if you’re far away from retirement. If you're finding it difficult to start saving, you might need to reflect on what’s hindering you and with some discipline and effort, saving will become easy and second nature.

Many employers have 401k programs to encourage saving and some employers even match your contribution dollar for dollar. Find out if your employer offers this type of program and consider taking advantage of it.

There are many other ways to create income streams in retirement, like investing in real estate and other alternative investments. Whatever you decide is best for your retirement strategy it’s important that you start saving now. If you have questions on how best to implement a retirement plan, consider attending one of our upcoming retirement workshops – or contact David Ortiz directly to get timely, no pressure advice.

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Workout Routines for Men Over 40 Years Old

By Cathi Tinsly on May 22nd



Old men do not have as much strength as they were young. Their strength will decrease as they are getting older. But it cannot be used as the reason not to work out anymore. Instead, old men should still workout to keep their health and protect them from diseases. Since not all kinds of exercises are suitable for old men, here are the recommended workout routines for men over 40 years old.

  1. The first workout that is suitable for men over 40 years old is cycling. Cycling is good for the heart because it has the same effects as running without any constant pressure on the knees and feet. You can cycle around your neighborhood in the morning to get the fresh air. Or, you can ride your bicycle when you need to go to the near minimarket instead of driving.

  1. The next is swimming. This kind of workout is good to train all parts of the body. Swimming can burn calories, shape your body, and make you healthier. You can burn up to 500 calories by swimming for an hour.

  1. Yoga and Pilates are also suitable for men over 40 years old. Yoga and Pilates are good for your flexibility. You can also train your spine and abdominal muscles with these 2 exercises. Moreover, Yoga and Pilates can also reduce stress and increase energy in your body.

  1. For you who want to focus on training your legs and arms, rowing is the right exercise. This exercise is dominated by training for legs, just like the squat. According to research performed in the King College in London, rowing is useful to create stronger legs and a sharper mind.


Those are the exercises that are suitable for men over 40 years old. Please note that you have to warm up first before working out. Even though you just want to go for light jogging, it is important to warm up your body first. By warming up, your body and muscles will be more ready to do various movements. Warm-up your body for around 10 minutes to 15 minutes. After working out, relax or cool down your body. Warming up is important for those who are over 40 years old because muscles are already stiff and the functions decrease. If you exercise without warming up, you are at risk of getting injured.

Moreover, men over 40 years old are suggested to do exercises that focus on flexibility. Flexibility exercises can protect you away from mobility issues. As you are getting older, you will experience decreased flexibility, joint disorders, and weakened muscles. If you ignore these conditions, you will find it harder to work out. This is why it is important to perform flexibility exercises. Moreover, choose the right exercises in accordance with your strength. No need to do weightlifting if you find it difficult. Balance the exercises with healthy lifestyles and healthy dietary habits. Consume recommended foods for people over 40 years old, such as berries, nuts, avocados, and many more. And not forget to also take supplement for men over 40 such as Vigrx Plus.  So are you ready to have a healthier body?


Everything about mortgages and loans

By Cathi Tinsly on February 23rd

Most of the people who decide to buy a house have to apply for a mortgage loan to a financial institution and to be able to pay the same. Therefore, the first thing that one must do is to be well informed of the existing offers and of the obligations to be contracted.

There are two different and complementary elements:

The main loan contract, whereby a person or entity (the creditor, in general, a bank or savings bank), lends an amount of money to another (the debtor).

The mortgage, which is the guarantee that the debtor, or another for him, provides to whom he lends the money. It consists in that a property (or several) is offered and fixed as a guarantee that the loan will be repaid, so that if it is not repaid within the agreed deadlines, the financial entity could, with abbreviated procedures, sell in public auction the mortgaged property to collect what is owed, leaving the surplus to pay other creditors or, failing that, for the debtor.

Since the financial institution has a particularly effective guarantee, such as that of the mortgaged property, it can grant the loan with a longer-term and a more advantageous interest than in personal loans.

The property, unless the sale proceeds in the event of default, remains the property of the debtor, who can sell it, rent it or return it to mortgage.

This is not the only possible guarantee. Often, the financial institution requires that a bond be added to the mortgage, which consists of one or more people supporting the debtor, forcing himself to pay if he does not.

Universal responsibility: It should not be forgotten that the borrower responds with all his assets, present and future, to the payment of the mortgage loan. If the sale of the mortgaged property does not cover the debt, the entity that granted the credit will require the debtor to respond with any other good that he has or that he might have in the future.

Limited liability to the mortgaged property: However, today few entities grant mortgage loans in which the debtor's liability is limited solely and exclusively to the mortgaged property, and all others are released, in case of default of the loan. assets that the debtor has or could have in the future.

Loan request

These are the steps that an individual must follow with a financial institution to acquire a home, which is the most typical assumption, although it can be applied to any mortgage loan. They are general advice. It is advisable if in doubt, to go to a notary since this will intervene in any mortgage and is the person who can give an independent, impartial and free advice on any aspect of the Mortgage for renovation.

What amount to order: It is necessary to take into account only the costs of the sale of the home and the appraisal, since the financial entity pays by law the tax, the registration invoice, the notary's invoice, and the management invoice, that is to say, that the mortgage loan should only carry appraisal expenses.

On the other hand, it should be borne in mind that credit institutions cannot lend more than 60% of the appraised value of the mortgaged property, except for the financing of the construction, rehabilitation or acquisition of housing, in which it may reach 80% of that value.

Obtain information from several credit institutions: Given the importance of the operation, you should not go only to your bank or a lifetime bank. It is advisable to compare different offers. Basic issues are:

Way to return the loan

Total term: Number of years in which the loan will be repaid. The longer the term, the more interest is paid and, therefore, more is paid together.

Periodicity of fees: It is usually monthly in almost all cases.

Possibility of early repayment: It is possible to advance loan amounts, either to reduce it or to pay it in full, before the agreed term. Each of the entities establishes conditions for this possibility.

Novation of the mortgage loan: It consists of an agreement with the financial entity to increase or reduce the capital, modify the term of duration agreed, the conditions of the interest rate initially agreed or in force, the method or system of amortization and any other financial conditions of the loan. You can also agree on the provision or modification of personal guarantees.

Subrogation of the mortgage loan: The procedure is basically to go to an entity that offers better conditions for the loan than those currently available, which must issue a binding offer. This offer must contain the new conditions that are offered, and the new entity will not be able to charge afterward commissions or expenses that have not been agreed on in that offer.

Cancellation

It is a post-loan operation, the last act once it has been fully paid. When the loan is paid in full, the mortgage, which is the guarantee that this loan is going to be paid and is ineffective, but a formal action is necessary to record that extinction in the Registry, which is the so-called cancellation.

It is necessary, therefore, a public deed before a notary, the mortgage cancellation, whose expenses will be borne by the debtor, that is, the one who requested the mortgage or subrogated in it. This deed does not require the debtor to intervene but is granted by the representatives of the financial entity saying that the debtor returned the loan capital with all its interests and expenses and requesting the property registrar to cancel the mortgage. Once signed before a notary, the deed of cancellation is taken to the registry, where it is registered, leaving the property completely 'clean' of the mortgage. The mortgage cancellation is tax-exempt.

The Ultimate Guide to Buying CBD Oil

By Cathi Tinsly on January 14th









In the market, there is a huge amount of CBD oils. Here we analyze what you need to know when buying CBD oil online.

The CBD does not require large presentations. This small compound has recently conquered the health sector and has been the subject of all kinds of studies and press articles. But, with so many brands of CBD oil available, how can you be sure that you are purchasing the best product? In this article, we help you make an informed decision about CBD and explain how to buy the best Vita Hemp Oil on the market.

HOW TO IDENTIFY THE BEST QUALITY CBD OIL

CBD oil is a relatively new product; therefore, it can be very difficult to distinguish between high and low quality. We have prepared some point summaries to help you buy your own CBD oil.

1. THINK FOR WHAT PURPOSE DO YOU WANT TO USE THE CBD

The first thing to do when you buy CBD oil is to know what you are going to use it for. What are your goals? What results are you looking for when you include this cannabinoid in your daily routine? CBD oil is not a panacea, so it is very important to maintain some perspective when starting a CBD supplement that suits your needs.

Moreover, it is not advised to take large amounts of this cannabinoid at once. Although the World Health Organization considers that the CBD has a good safety profile, it is best to start "from below and gradually", as with any substance. The average consumer of CBD oil usually takes it several times a day. You can always opt for stronger doses if necessary. On the other hand, we recommend you to conduct your investigation of the scientific findings surrounding the CBD, to help you determine the best way to incorporate it into your life.




2. FIND OUT ABOUT THE DIFFERENT EXTRACTION METHODS

CBD is one of the more than 100 hemp and cannabis cannabinoids. It was "discovered" in the 1940s, but recently it has begun to arouse interest in the medical field and the general public, as scientific testimonies and results have been presented on its effects

For example, in 2008, Therapeutics and Clinical Risk Management magazine published an article on the potential of cannabinoids such as CBD for the treatment of pain. According to this document, CBD medications are potentially more effective in fighting inflammation than NSAIDs (for example, ibuprofen), and even some stronger anti-inflammatory drugs. However, this analysis is more than a decade old, and only presents preliminary results in this area.

The CBD began to arouse public interest at the beginning of the new millennium when anecdotal cases about its potential to relieve certain types of seizures came to light. Today, thanks to numerous clinical trials that analyze this issue, the US FDA. has approved Epidiolex (containing CBD as an active ingredient) for the treatment of Dravet and Lennox-Gastaut syndromes, two types of severe childhood epilepsy. Other public health organizations are waiting for the approval of Epidiolex.

It is very difficult to find large-scale tests with humans for various health problems, although the following clinical trials of the effect of CBD on anxiety seem to have encouraging results. A 2011 study found that participants with generalized social anxiety disorder experienced a "significant reduction in anxiety, cognitive impairment, and discomfort of speech intelligibility, [sic] and a significant decrease in the alertness of anticipatory speech ... "after taking CBD before a mock public speaking test.

Also, the results of a 2019 clinical study found that CBD reduced anxiety by 79.2% during the first month of treatment among 72 participants, and these results were prolonged throughout the study. However, the authors believe that more controlled clinical tests are needed to confirm and detail these findings.

The scientific research of the CBD increases, literally, every day, although we will have to wait sometime to know its conclusions. CBD is being investigated for its potential about numerous health disorders, but there is still insufficient evidence to confidently confirm its properties in most of these fields. That said, clinical trials and the approval of CBD drugs in some parts of the world indicate that a very promising future awaits us.

3. THINK ABOUT THE ORIGIN OF THE HEMP

A CBD product can only be as good as the hemp it is extracted from. Don't forget to keep this in mind when choosing an oil. Products marketed as organic in these areas have to comply with strict regulations on the use of fertilizers, pesticides, etc. By buying organic CBD oil from European or American producers, you are guaranteed to obtain a clean and good quality product.

Remember that hemp, like other plants, can absorb all kinds of environmental materials. If it is grown with synthetic fertilizers and pesticides are applied, many of the compounds of these products could end up in the plant and, subsequently, in your oil.

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Workout Routines for Men Over 40 Years Old

Posted by Cathi Tinsly, Friday, May 22nd, 2020 @ 10:15am



  • Old men do not have as much strength as they were young. Their strength will decrease as they are getting older. But it cannot be used as the reason not to work out anymore. Instead, old men should still workout to keep their health and protect them from diseases. Since not all kinds of exercises are suitable for old men, here are the recommended workout routines for men over 40 years old.

    1. The first workout that is suitable for men over 40 years old is cycling. Cycling is good for the heart because it has the same effects as running without any constant pressure on the knees and feet. You can cycle around your neighborhood in the morning to get the fresh air. Or, you can ride your bicycle when you need to go to the near minimarket instead of driving.

    1. The next is swimming. This kind of workout is good to train all parts of the body. Swimming can burn calories, shape your body, and make you healthier. You can burn up to 500 calories by swimming for an hour.

    1. Yoga and Pilates are also suitable for men over 40 years old. Yoga and Pilates are good for your flexibility. You can also train your spine and abdominal muscles with these 2 exercises. Moreover, Yoga and Pilates can also reduce stress and increase energy in your body.

    1. For you who want to focus on training your legs and arms, rowing is the right exercise. This exercise is dominated by training for legs, just like the squat. According to research performed in the King College in London, rowing is useful to create stronger legs and a sharper mind.


    Those are the exercises that are suitable for men over 40 years old. Please note that you have to warm up first before working out. Even though you just want to go for light jogging, it is important to warm up your body first. By warming up, your body and muscles will be more ready to do various movements. Warm-up your body for around 10 minutes to 15 minutes. After working out, relax or cool down your body. Warming up is important for those who are over 40 years old because muscles are already stiff and the functions decrease. If you exercise without warming up, you are at risk of getting injured.

    Moreover, men over 40 years old are suggested to do exercises that focus on flexibility. Flexibility exercises can protect you away from mobility issues. As you are getting older, you will experience decreased flexibility, joint disorders, and weakened muscles. If you ignore these conditions, you will find it harder to work out. This is why it is important to perform flexibility exercises. Moreover, choose the right exercises in accordance with your strength. No need to do weightlifting if you find it difficult. Balance the exercises with healthy lifestyles and healthy dietary habits. Consume recommended foods for people over 40 years old, such as berries, nuts, avocados, and many more. And not forget to also take supplement for men over 40 such as Vigrx Plus.  So are you ready to have a healthier body?


Everything about mortgages and loans

Posted by Cathi Tinsly, Saturday, February 22nd, 2020 @ 11:14pm

  • Most of the people who decide to buy a house have to apply for a mortgage loan to a financial institution and to be able to pay the same. Therefore, the first thing that one must do is to be well informed of the existing offers and of the obligations to be contracted.

    There are two different and complementary elements:

    The main loan contract, whereby a person or entity (the creditor, in general, a bank or savings bank), lends an amount of money to another (the debtor).

    The mortgage, which is the guarantee that the debtor, or another for him, provides to whom he lends the money. It consists in that a property (or several) is offered and fixed as a guarantee that the loan will be repaid, so that if it is not repaid within the agreed deadlines, the financial entity could, with abbreviated procedures, sell in public auction the mortgaged property to collect what is owed, leaving the surplus to pay other creditors or, failing that, for the debtor.

    Since the financial institution has a particularly effective guarantee, such as that of the mortgaged property, it can grant the loan with a longer-term and a more advantageous interest than in personal loans.

    The property, unless the sale proceeds in the event of default, remains the property of the debtor, who can sell it, rent it or return it to mortgage.

    This is not the only possible guarantee. Often, the financial institution requires that a bond be added to the mortgage, which consists of one or more people supporting the debtor, forcing himself to pay if he does not.

    Universal responsibility: It should not be forgotten that the borrower responds with all his assets, present and future, to the payment of the mortgage loan. If the sale of the mortgaged property does not cover the debt, the entity that granted the credit will require the debtor to respond with any other good that he has or that he might have in the future.

    Limited liability to the mortgaged property: However, today few entities grant mortgage loans in which the debtor's liability is limited solely and exclusively to the mortgaged property, and all others are released, in case of default of the loan. assets that the debtor has or could have in the future.

    Loan request

    These are the steps that an individual must follow with a financial institution to acquire a home, which is the most typical assumption, although it can be applied to any mortgage loan. They are general advice. It is advisable if in doubt, to go to a notary since this will intervene in any mortgage and is the person who can give an independent, impartial and free advice on any aspect of the Mortgage for renovation.

    What amount to order: It is necessary to take into account only the costs of the sale of the home and the appraisal, since the financial entity pays by law the tax, the registration invoice, the notary's invoice, and the management invoice, that is to say, that the mortgage loan should only carry appraisal expenses.

    On the other hand, it should be borne in mind that credit institutions cannot lend more than 60% of the appraised value of the mortgaged property, except for the financing of the construction, rehabilitation or acquisition of housing, in which it may reach 80% of that value.

    Obtain information from several credit institutions: Given the importance of the operation, you should not go only to your bank or a lifetime bank. It is advisable to compare different offers. Basic issues are:

    Way to return the loan

    Total term: Number of years in which the loan will be repaid. The longer the term, the more interest is paid and, therefore, more is paid together.

    Periodicity of fees: It is usually monthly in almost all cases.

    Possibility of early repayment: It is possible to advance loan amounts, either to reduce it or to pay it in full, before the agreed term. Each of the entities establishes conditions for this possibility.

    Novation of the mortgage loan: It consists of an agreement with the financial entity to increase or reduce the capital, modify the term of duration agreed, the conditions of the interest rate initially agreed or in force, the method or system of amortization and any other financial conditions of the loan. You can also agree on the provision or modification of personal guarantees.

    Subrogation of the mortgage loan: The procedure is basically to go to an entity that offers better conditions for the loan than those currently available, which must issue a binding offer. This offer must contain the new conditions that are offered, and the new entity will not be able to charge afterward commissions or expenses that have not been agreed on in that offer.

    Cancellation

    It is a post-loan operation, the last act once it has been fully paid. When the loan is paid in full, the mortgage, which is the guarantee that this loan is going to be paid and is ineffective, but a formal action is necessary to record that extinction in the Registry, which is the so-called cancellation.

    It is necessary, therefore, a public deed before a notary, the mortgage cancellation, whose expenses will be borne by the debtor, that is, the one who requested the mortgage or subrogated in it. This deed does not require the debtor to intervene but is granted by the representatives of the financial entity saying that the debtor returned the loan capital with all its interests and expenses and requesting the property registrar to cancel the mortgage. Once signed before a notary, the deed of cancellation is taken to the registry, where it is registered, leaving the property completely 'clean' of the mortgage. The mortgage cancellation is tax-exempt.

The Ultimate Guide to Buying CBD Oil

Posted by Cathi Tinsly, Tuesday, January 14th, 2020 @ 1:39am









  • In the market, there is a huge amount of CBD oils. Here we analyze what you need to know when buying CBD oil online.

    The CBD does not require large presentations. This small compound has recently conquered the health sector and has been the subject of all kinds of studies and press articles. But, with so many brands of CBD oil available, how can you be sure that you are purchasing the best product? In this article, we help you make an informed decision about CBD and explain how to buy the best Vita Hemp Oil on the market.

    HOW TO IDENTIFY THE BEST QUALITY CBD OIL

    CBD oil is a relatively new product; therefore, it can be very difficult to distinguish between high and low quality. We have prepared some point summaries to help you buy your own CBD oil.

    1. THINK FOR WHAT PURPOSE DO YOU WANT TO USE THE CBD

    The first thing to do when you buy CBD oil is to know what you are going to use it for. What are your goals? What results are you looking for when you include this cannabinoid in your daily routine? CBD oil is not a panacea, so it is very important to maintain some perspective when starting a CBD supplement that suits your needs.

    Moreover, it is not advised to take large amounts of this cannabinoid at once. Although the World Health Organization considers that the CBD has a good safety profile, it is best to start "from below and gradually", as with any substance. The average consumer of CBD oil usually takes it several times a day. You can always opt for stronger doses if necessary. On the other hand, we recommend you to conduct your investigation of the scientific findings surrounding the CBD, to help you determine the best way to incorporate it into your life.




    2. FIND OUT ABOUT THE DIFFERENT EXTRACTION METHODS

    CBD is one of the more than 100 hemp and cannabis cannabinoids. It was "discovered" in the 1940s, but recently it has begun to arouse interest in the medical field and the general public, as scientific testimonies and results have been presented on its effects

    For example, in 2008, Therapeutics and Clinical Risk Management magazine published an article on the potential of cannabinoids such as CBD for the treatment of pain. According to this document, CBD medications are potentially more effective in fighting inflammation than NSAIDs (for example, ibuprofen), and even some stronger anti-inflammatory drugs. However, this analysis is more than a decade old, and only presents preliminary results in this area.

    The CBD began to arouse public interest at the beginning of the new millennium when anecdotal cases about its potential to relieve certain types of seizures came to light. Today, thanks to numerous clinical trials that analyze this issue, the US FDA. has approved Epidiolex (containing CBD as an active ingredient) for the treatment of Dravet and Lennox-Gastaut syndromes, two types of severe childhood epilepsy. Other public health organizations are waiting for the approval of Epidiolex.

    It is very difficult to find large-scale tests with humans for various health problems, although the following clinical trials of the effect of CBD on anxiety seem to have encouraging results. A 2011 study found that participants with generalized social anxiety disorder experienced a "significant reduction in anxiety, cognitive impairment, and discomfort of speech intelligibility, [sic] and a significant decrease in the alertness of anticipatory speech ... "after taking CBD before a mock public speaking test.

    Also, the results of a 2019 clinical study found that CBD reduced anxiety by 79.2% during the first month of treatment among 72 participants, and these results were prolonged throughout the study. However, the authors believe that more controlled clinical tests are needed to confirm and detail these findings.

    The scientific research of the CBD increases, literally, every day, although we will have to wait sometime to know its conclusions. CBD is being investigated for its potential about numerous health disorders, but there is still insufficient evidence to confidently confirm its properties in most of these fields. That said, clinical trials and the approval of CBD drugs in some parts of the world indicate that a very promising future awaits us.

    3. THINK ABOUT THE ORIGIN OF THE HEMP

    A CBD product can only be as good as the hemp it is extracted from. Don't forget to keep this in mind when choosing an oil. Products marketed as organic in these areas have to comply with strict regulations on the use of fertilizers, pesticides, etc. By buying organic CBD oil from European or American producers, you are guaranteed to obtain a clean and good quality product.

    Remember that hemp, like other plants, can absorb all kinds of environmental materials. If it is grown with synthetic fertilizers and pesticides are applied, many of the compounds of these products could end up in the plant and, subsequently, in your oil.

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