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BluebirdFeather: It can be difficult to tell if a reaction is a healing reaction or a problem. Experience and research are the best guide. Try to find out everything you can about the supplement you're taking that you think might be causing the problem. And use previous experience with other supplements to help guide you through experience with a new supplements.
Also worth remembering is that physical symptoms (headache, runny nose, nausea, etc.) are frequently more indicative of a healing crisis than psychological/nervous system symptoms. Not always, especially not with mB12, but just as a very general rule of thumb.
One thing I do is I try to "let it ride" (it being my adverse symptoms) for as long as I can. Typically, in a healing crisis, the bad symptoms will begin to ameliorate within 2-5 days when you keep doing what you're doing, or even increase dosage. Minerals being the exception. Overdosing on minerals can be serious so be careful with those. But with vitamins and amino acids, etc., there isn't too much danger of having a really serious reaction. You might feel bad but unlikely to really hurt yourself.
Of course there's some danger with everything, depending upon personal factors, so I hope no one will take these words out of context to mean there's no danger at all with supplements. That's not what I mean. Above all we should always use common sense and do only what we're comfortable with. While at the same time remembering that sometimes to progress we must step out of our comfort zone. Hope that makes sense.
Anyway, if things don't at least begin to get somewhat better within five days, I start thinking "problem" instead of "healing". It depends upon the severity of the sides as to whether or not I continue past day five if there's no improvement by then. If I go seven days with no improvement I definitely stop or step down dose.
Sometimes it's not possible to "power through" adverse symptoms 3 - 5 days...either the symptoms are intolerable or the person too nervous about continuing. Sometimes you have to back off until you've done more research or have more experience. That's okay.
When starting these supplements we use around here, I had really great results following Freddd's advice an increasing methylfolate to deal with adverse symptoms. I found his advice spot-on. But there are differing opinions on that. Severity of side effects and individual tolerance for adverse sides can play into success when following Freddd's advice, too.
I did have to go gentle with the l-carnitine fumarate (LCF) at first, as I found that very potent. But now I'm up to the max known effective dose (1000mg/day) and loving it.
I would think it's niacin that's causing your problems with B complex. Personally I can't take niacin in any form...it brings things to a screeching halt. It makes me feel like
crap. I take supplemental B vitamins separately, as I can't find a B complex without any form of niacin at all.
Hope that helps a little. Good luck!