 The Know Your Customer (KYC) phenomenon is a significant trend in digital business and online operations. It's something that executives and top-level planners pay attention to for a reason! Why is that? Well, new decentralized systems and blockchain technologies have opened the doors for many transactions and digital interactions that aren't verified traditionally. People started worrying that these types of anonymous businesses could facilitate various kinds of fraud, and experts show how this works in dark markets and other fraud scenarios. With the anonymity of bypassing traditional verification, it's all too easy for criminals to reach in and collect from their victims. For example, modern ransomware attacks often involve these digital pirates demanding Bitcoin in payment. So what is KYC? Essentially, it's the process of achieving customer identification, or a kind of verification of its own kind, to ensure that a platform isn't allowing users to launder money or conduct other kinds of fraud or criminal activity. So here are some of the ways that planners can use effective KYC to their advantage to crack down on the unscrupled and limit the potential for fraud and abuse. 1. Know the DataFirst of all, it's important to know what data the company needs to get from customers. There are two aspects to this. First, it helps to think about what's practical for anti-fraud protection, and secondly, operators should consider what helps with relevant compliance. Agencies like the SEC mandate KYC and AML compliance for business operators of some kinds, and compliance is a necessity, not a "nice to have" in these fields. Put that data to work for anti-fraud results. 2. Make On-Boarding EasyAfter planners have put together this list of critical data, they need to seek it from their customers in convenient ways. Designing a better user interface will help achieve the KYC results you want without turning potential users off with draconian KYC requirements and laborious data standards. One aspect of this, for example, involves showing users WHY they are doing something. That can be done with an intuitive icon opening up a drop-down box or just a disclaimer in red. Whatever the engineers come up with. The point is that there's more engagement and participation, which makes the average user more likely to go along with a KYC process. That will help with fraud! 3. Integrate e-KYCDifferent kinds of electronic Know Your Customer implementations are all the rage. Some of them involve using biometric information or modern kinds of remote verification that will streamline the interface in the ways we talked about above. Make e-KYC part of the anti-fraud design. 4. Mobile KYCIn the KYC process, the smartphone is the stakeholder's best friend. It allows this process of making the KYC compliance easier from a customer's point of view. It also helps with inherent verification and anti-fraud standards. That's why multifactor authentication is so vitally important in any kind of digital activity, not just those built on the blockchain. The smartphone is the verification device for everything from online banking to e-commerce and everything in between and beyond. So use phones and MFA to deter fraudsters. 5. Using RegistriesBusinesses can also use a series of registries to implement KYC. The registry is an example of a build type that experts call "cKYC" or central KYC. In a sort of data center structure, it keeps all of the critical KYC information for exchange users. Without this, users in some systems would have to submit KYC information multiple times throughout a transaction life cycle. So the cKYC system is growing in popularity and utility for these types of interface designs. Registries can also help to spot and prevent some types of fraud. 6. Identify a Politically Exposed PersoAnother good KYC tip is to always check whether newly onboarding customers are subject to the designation of a Politically Exposed Person or PEP. This kind of research is part of the screening process that can help maintain KYC compliance in a particular part of this industry. The shorthand helps auditors and others to know whether some user has a hidden motive for some type of crypto use. 7. Screening Customers Beyond OnboardingThere's also a kind of popular 'beyond the perimeter' approach to KYC that suggests you need to keep identifying customer behavior after someone has been brought into the walled garden. That's part of that idea with traditional KYC: screening can happen at the point of transaction or beyond. Those philosophies continue to drive innovation and KYC for exchanges, money transmission businesses, and similar operators who need to know what's best practices in the industry and how to implement those best practices for themselves — screen customers for better anti-fraud protection. 8. Document KYC ProcessesDocumentation is also key to one of these approaches. It's helpful in an audit situation, and it shows people how things have been set up and why.
Take advantage of these tips for improving KYC for a money business adjacent to the blockchain. Go confidently into the new blockchain world with KYC processes that work.
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Medicare was established in 1965 to help provide healthcare coverage for the elderly in the United States according to Clearmatch Medicare. It is a federally administered program available to citizens or permanent residents who meet certain qualifications. Medicare offers different types of coverage, for which you must either be a part of a group plan through an employer or an individual with their plan that meets specific requirements. To qualify for Medicare, you have to be 65 years old. You also have to have been a citizen or permanent resident for at least ten years before becoming eligible for Medicare. In addition, your income must be below specified limits, and you must not be enrolled in an affordable health care plan via your employer or Veteran's Administration coverage. Certain persons, such as people with terminal illnesses, may be eligible for additional benefits not available for others. Eligibility depends on certain financial requirements. Medicare is an extremely expensive program with an annual price tag of $440 billion. The annual price tag is made up of the following:
You may not opt out of Medicare. However, there are ways to avoid paying some of the increased cost if you are eligible and want to join the program. The amount of income a person receives will determine their eligibility for Medicare. For most people, income is the primary factor determining whether they are eligible for Medicare and Medicaid. However, certain visual and hearing impairments may affect a person's ability to qualify or receive certain benefits under eligibility standards. Several government programs cover different kinds of health care services and supplies that children may use in situations where no adult family member can or chooses to do so on their behalf. These programs include low-cost health insurance plans sponsored by individual states, federal programs, for instance, Medicaid, and the Children's Health Insurance Program (CHIP). While Medicare does not offer dental or vision care coverage, CHIP does. Medicaid covers eye and/or vision care in each state through a managed care plan. Medicaid also provides coverage for children when their parents have low-wage jobs or are unemployed (not necessarily because of pregnancy) and unable to provide dental or vision care. Medicare is divided into Part B, and Part D. Part A covers hospital coverage for under $1,036 per month per person. Part A also covers the cost of outpatient services but does not cover long-term care or dental care. Medicare Parts B and D provide medical insurance or prescription drug coverage, respectively, to those age 65 and older. The Medicare program serves as a role model for healthcare reform in other countries because of its degree of acceptability among the citizens it serves (e.g., it is consistent with people's ability to pay and their value system). Its success in reducing health care costs without damaging the quality of care is also a motivating factor. Each state has a different program that offers health insurance plans for low-income people and little or no medical coverage. The main focus of this plan is to provide insurance for people who have children, although some plans may offer limited coverage for adults. In general, if you are under 65 and receive social security disability benefits, you may be eligible for Medicaid (usually the ones considered the "disabled"). Most of these programs cover care that is medically necessary. Examples of this include but are not limited to:
Children, in general, are not entitled to all of the same health care benefits that adults have. The main exception to this rule is that all states have children's Medicaid programs (CHIP). CHIP provides benefits for children eligible for Medicaid but still have lower incomes than the eligibility requirements for most other government programs. As a result, some of these programs and services do not cover all of the same healthcare services available for adults. However, each state also has different requirements for their CHIP plan and may cover different services depending on a child's age.
For low-income families, Medicaid allows children and their parents to get medical care not covered by Medicare and CHIP. This means that if a parent has a health problem, such as diabetes or asthma, that can be treated with medication and/or health care, coverage for these services may be available under Medicaid. In general, children in low-income families will not have to pay deductibles or copayments from the program. Medicare has transformed healthcare services provided in the US, covering so-called 'hidden populations' of poor and disabled people who are well below the poverty line. Healthcare coverage in Sweden, Norway, and Germany, for example, is means-tested, as it is in Australia. But unlike these countries, the US has opted for voluntarism as a way of extending coverage to low-income families: the gap between rich and poor is bridged by voluntary contributions from those with higher incomes. Families eligible for Medicaid may get assistance paying premiums on private health insurance plans through Medicare HealthChoice. State Medicaid agencies may provide information about the program and what it covers. However, some services may not be covered by Medicaid, including long-term care and dental services, regardless of a person's age. Each state makes its own rules regarding coverage for Medicaid, so it is best to see what your state offers for children, as well as adults. Also, social work organizations or community health centers can help you find out if you are eligible for public health insurance programs such as Medicaid or CHIP.  Unlike other lawsuits, personal injury cases are usually straightforward. A persons’ negligence inflicts injury to a third party; the injured person files a claim and collects compensation from the insurance company. Cases with some gray areas may force the complainant to file a lawsuit. Unfortunately, this isn’t always the case. Complications affecting personal injury cases may arise due to several factors. Advancing age is among the reasons your personal injury case stagnates. If the person affected by the injury is a senior adult, their age affects some aspects of the lawsuit. However, this doesn’t mean they shouldn’t pursue the case. Working with a Pennington Personal Injury Lawyer can help senior adults litigate their claims. How Does a Senior’s Age Affect the Lawsuit?Any person who sustains injuries due to accidents or other causes that qualify to be classified as personal injuries is entitled to a settlement that covers the cost of damages and associated issues. They can’t collect compensation for pre-existing injuries or health conditions. The defendants’ insurance company will try to raise an argument that most, if not all, of the injuries existed before the accident in a bid to lower the settlement amount. Unfortunately, the insurance company will try insinuating that all the injuries or conditions present were pre-existing for seniors. This is because senior adults have more health issues than young people. Besides, they are more prone to serious injuries than young people. An accident that causes minor injuries to a young person might cause disastrous injuries to old adults. Insurance companies and the defendants’ lawyers will want to take advantage of the combination of pre-existing conditions and a high likelihood of developing serious injuries to reduce the settlement amount. Fortunately, this ploy isn’t guaranteed, and a personal injury lawyer can prove that the seniors’ injuries were true due to the accident. There are some cases where the senior citizen truly had pre-existing conditions, but the accident worsened the situation. Regardless, the injured person will still receive compensation for the injuries that worsened their existing conditions. Other Age-Related Issues That Affect Personal Injury CasesApart from visible injuries, personal injury lawsuits often include compensation for pain and suffering endured by the affected person. Unfortunately, young plaintiffs tend to receive more compensation for pain and suffering than seniors. This is because young people will likely experience pain for a long period. Loss of income or working capability is another thing that affects the outcome of personal injury cases. If the senior is retired or has a light work schedule because of their age, they won’t be awarded the same amount as someone with a full-time working schedule. However, juries often tend to be compassionate to old adults, and there is a chance of being awarded substantial amounts if the personal injury case ends in court. EndnoteRecent U.S census data estimates that 16.5% or 54.1 million Americans are aged 65 and above. While everyone is prone to accidents, there are specific injuries that most likely affect seniors. Unfortunately, most cases involving seniors go ignored or overlooked because of intimidation or personal capacity. If your senior adult sustained personal injuries, contact a personal injury attorney for help.
Many people could use a miracle cure-all these days, especially those of us who suffer from chronic pain, anxiety and/or cancer-related symptoms. So, it's no surprise that we're seeing a lot of searches for CBD oil. Can we, however, rely on CBD oil to provide the relief we need for our symptoms? Why CBD oil may not be as helpful as explained in this article. What is CBD?The cannabis Sativa plant contains more than 100 different chemical components, one of which is CBD or cannabidiol. When you take a hit of marijuana, you get a blissful high thanks to THC (tetrahydrocannabinol). CBD oil is just a topical product containing CBD extract and an oil, such as coconut oil. You won't get high because it's derived from hemp, a form of cannabis with a low THC content. Tere are also vegan friendly products, you just need to carefully read the label before checking out. Since the 2018 Farm Bill went into effect, the manufacture and sale of CBD products in the United States have been permitted on a federal level as long as they contain less than .3 percent THC. Some state laws, on the other hand, make it unlawful. Benefits of CBD:Purified CBD appears to have a variety of health benefits. Because of the function it plays in the development of our brain and neurological system, the endocannabinoid system must be taken into account in order to fully appreciate these advantages. In addition to pain, movement, memory, appetite and inflammation, this system helps regulate a wide range of processes. We can learn more about how CBD affects various illnesses and disorders if we focus our research on these specific areas.
CBT is a kind of psychotherapy that is effectively being used to treat drug abuse issues. This is why there are growing innovations in addiction rehab when it comes to Cognitive Behavioral Therapy. CBT is often used to treat mental illness, anxiety symptoms, phobias, and other mental diseases, but it has also been demonstrated to be beneficial in the treatment of alcoholism and drug addiction. This is particularly true when it is part of a larger treatment program. Addiction may alter the mind, resulting in an unpleasant situation of negative ideas, fluctuating emotions, and drug-seeking compulsions. These aspects, when combined, may influence how a person responds to their encounters and alter how they interpret their drug use. Addiction experts at services such as United Recovery CA utilize CBT to address and disrupt these negative thinking patterns, as well as improve the way you react to stress. Here are some novel methods in which CBT might aid in addiction recovery. Phases
TechniquesThought Journals Those in therapy may evaluate their instinctive negative beliefs and search for objective data to support or refute them. They examine and contrast data for and against their instinctive thoughts. By critically assessing what they're thinking, the idea is to assist individuals to think healthier and with less harsh views. Behavioral Experiments The purpose of CBT behavioral trials is to counter negative with positive thinking. In other words, some individuals may react better to self-compassion while others may react better to self-criticism. To modify our behavior, we should first comprehend how we process information. Behavioral studies are all about discovering what drives you to cope and then using that knowledge to change unfavorable thought habits. Exposure Based on Imagery In this practice, persons in recovery recall a memory that evokes strong negative emotions. They record every sight, hearing, emotion, idea, and impulse that occurs at that time. The addict can minimize the anxiety induced by terrible memories by revisiting them regularly. Schedule of Pleasant Activities It is critical to create a routine that both satisfies and fuels you. This CBT strategy assists the patient in developing a running tally of healthy, enjoyable activities to help break up everyday routines. The purpose of these exercises is to promote happy feelings. Scheduling these activities may also aid in the reduction of negative cycles. BenefitsCBT's aims will include being aware of one's incorrect thinking patterns that are causing difficulties in one's life and comprehending such reasoning in light of truth. CBT also teaches individuals to understand their own and others' motivations and behaviors, as well as to utilize realistic problem-solving approaches to address difficulties. Another objective of CBT therapy is to teach patients how to relax their thoughts and bodies so that they can confront their anxieties rather than escape them.
SummaryInnovations in addiction rehab for Cognitive Behavioral Therapy have proven to be quite effective. This approach works by analysis, change, and prevention.
Retirement may mean you’re free from the workforce, but that doesn’t mean you don’t have to worry about finances. If anything, your financial situation is even more important, especially if you don’t have an income stream. If you’ve recently retired, you might not know where to start when it comes to managing your funds. We’ll be going over a few ways for you to manage your finances and how you can have another stream of income. Access Your Home EquityOut of all the investments you’ve made, and will still make in your life, your house is always going to be the biggest. You might even still be paying off the rest of your mortgage. Regardless, your home is your biggest financial asset. If you’re finding yourself short on cash, you can look into taking out a home equity line of credit. A HELOC works similarly to a credit card as you’re able to borrow as much as your home is currently worth and then pay it off over time. You might think that this is for home improvements only. While that’s true, HELOCs are actually just as flexible as a personal loan. You can use it for anything you need. In fact, HELOCs are a fantastic option for retirees as you can borrow on this line of credit for over 10 years. Open a Small BusinessSince retirement cuts off your income stream, you might be inclined to find a new one. Opening a small business is one of these ways. You may be thinking that doing so will drain your retirement savings. However, there are other ways to fund this project. The quickest and easiest way to get the funds you need is to take out a small business loan. Business loans come in a variety of sizes and some lenders offer their borrowers flexible payment schedules. This can reduce some of the money stress that comes with paying off the debt. Be Prepared to PlanRetirement isn’t just a one-and-done plan. You need to continuously go over your financial situation and make any necessary adjustments as time goes on. Why you need to do this is because you never know what could happen in the future. For all you know, you might have to pay an expensive medical bill out-of-pocket. Or you’ll find yourself needing to find a post-retirement part time career and re-enter the workforce. Either way, it’s important that you remain on the ball with your finances and be prepared for any unexpected situation. See What’s Happening in the Stock MarketIf you’ve managed to secure some stocks and are currently investing into them, retirement lets you keep a closer eye on what’s transpiring. And if you’ve been investing into them for years, you might have built up enough value to sell them off. For newcomers who are interested in investing, it’s important for you to learn all there is to know. You might have enough saved to invest, but one wrong move, and it can drain your retirement savings.
 Lots of people want to change up their sleeping space as part of a rejuvenating renovation of their homes. But what if you only have a weekend to do it? Lots of us are looking for tips for bedroom makeovers that don't require a huge budget or weeks of work. Here are some interesting ones that can help you to get a whole new experience at home in the nighttime. Invest in New FurnitureNew furniture doesn't require you to tear into load-bearing walls or replace fixtures. You just tote the old stuff out and bring the new stuff in. Some people like to find traditional wood furniture in local used furniture stores. You can find amazing craftsmanship for very low prices, and refinish or refurbish as needed before installing in your sleeping space. Others like the brand-new modernist stuff, and you can often get this type of new furniture at affordable prices, too. Think about adding something that won't take up a lot of floor space, but will add value to your bedroom in terms of storage, seating or other purposes. Accent With New LightingIt used to be that lighting was often part of a major renovation of a building! Not anymore. Versatile LED lights throw less heat and use less wattage than traditional incandescent bulbs. They’re also easier to install, in many cases. You can choose from rope lighting, track lighting, an additional bedside lamp, automated lighting that you control with your smartphone… The list is nearly endless, and it doesn't take a lot of time or money to change your bedroom in this way. So take a look at the lighting you can find to cast and show off your bedroom in a new way. Choose a New MattressThink about getting a new modern mattress with brand-new technology for a better night’s sleep. Look at mattress dimensions and whether you would want a soft or firm mattress, and think about how your mattress will fit into the room and its creative design as a whole. As for storage, you can add storage underneath the bed, or make use of your ceiling space with a loft-style installation to get more out of your bedroom’s square footage. You can also hang things vertically, not just clothes, but shoes, books, or anything else on cloth hangers, and conserve space. Think About a Color and Style RefreshHere's another way to renovate your bedroom quickly and cheaply. Consider creating a more deliberate color scheme and style cohesion in your sleeping space. You might want a move to neutral colors for a calming effect. Or you might want bolder, brighter colors to inspire you and wake you up in the morning. Whatever you choose, you can put it in place with a little bit of paint and accents. There's a good chance you'll see that it was well worth the effort. As we all know, colors affect mood. So think deliberately about how you want to feel, and then craft your color scheme and style that way. You might even experiment with themes such as, for instance, a desert theme, or some type of science fiction theme with moonscapes posted on the wall. Neat AccentsHow about adding some blinds or curtains to your bedroom? If you don't want to mess around with the windows, you can even just install a drapery on a wall space, which is typically easier and cheaper to install. What you get is a new look for a familiar space. Again, these items don't have to be large. They don't have to be costly. And they don't have to be overcomplicated. Look at all of the neat fabrics you can get at your local craft shop, and you'll see how easy it is to add them to a bedroom area. Legacy Technology and Food and Drink WareThis last idea goes a little beyond everything discussed above.
Another quick and easy way to change up your bedroom is to add accessories that add functionality to your space. If you're like many of the audiophiles and retro-tech people who haunt secondhand stores, you may be thrilled to take advantage of an old record player on top of your dresser, or a high-end tuner receiver unit built into a nightstand. Or you might want to install a mini-fridge in your bedroom. You have these in hotel rooms, so why not have one at home to make it easy to enjoy drinks or snacks from the comfort of your bed? Then you can also think about having ‘accessories for your accessories.’ For instance, if you're adding a record player, you want to have storage space for vinyl built-in as well. If you're adding a mini-fridge, what will you stock it with? And how will you make sure you get the trash and recyclables where they need to go? These are just some of the interesting ideas you can find to dress up your bedroom space in a whole new way. What you add is up to you — but with just a few dollars and a few hours, you’ll be coming home to a whole new haven to rest! Life can be uncertain, and tomorrow's reality is something we can't control. But, through planning for the future, you can provide for your loved ones in ways that honor your values and protect your family in the event of your death. When you plan your financial future, you can choose to provide for your family in your will or trust. Here are some ways you can begin to provide for your family in life and death. Set up a trustYou can start by setting up a living trust, a legal document that appoints a legal guardian to manage your property and assets until your death. These financial tools can be a great way to protect your loved ones in the event of your death and ensure that your remaining assets go to your family as you wish. This requires you to have an attorney review your assets and make sure all your investments are put into the trust. Once you have done that, you can hand over the management of your assets to a trust so they are protected and cannot be touched by anyone other than the executor appointed by your will. These people are typically called "trustees" and their job is to manage your estate per what is written in the will or trust. Create an irrevocable life insurance contract with your estateWhen you create or purchase an irrevocable life insurance policy that provides benefits for beneficiaries in the event of death (such as a named life insurance policy), it is called a "policies" policy. This is because an insurance company pays out benefits according to the instructions you left. You may wish to protect your family from financial hardship by providing important personal and financial assets to your children or charities. The money in these policies is protected by state law if it remains in the policy for a certain period (often 20 years). Use life insurance as a revolving line of creditMany people do not have enough life insurance to make a substantial contribution to retirement savings because they don't realize how important life insurance is. They also underestimate how long they will live and the cost associated with providing maximum coverage. If you do not already have enough life insurance, this continues to be a problem area as you probably can't afford the premiums of expensive term life policies without sacrificing other financial goals. However, if you are over 50 and under 100% financially prepared for retirement, your funeral costs may become too much for your children or other family members or friends to bear. When this happens, it usually means that you are either terminally ill, or you are just beginning to realize the need for long-term financial security. If this is the case, then you might consider a life insurance policy as an insurance policy and a retirement plan rolled into a single annuity. This is called an annuity trust. ConclusionEveryone knows that money doesn’t grow on trees, but for many people, that’s as much financial advice as they’re going to get. As much as we’d like to deny it, life isn’t always going to be easy. No matter how much you plan and prepare for the future, sometimes the unexpected happens.
If you’re already in a financially secure position, this is an ideal time to think about providing for your family in the future. If you’re not, it’s never too late to get on the right track. It's no secret that the retirement crisis is a global problem. People live longer, but they can't save enough money to support themselves during their golden years. We will explore how blockchain technology might be able to help solve the retirement crisis. Shared Decentralized LedgerThe global retirement crisis is a pressing issue that needs to address. Blockchain technology has the potential to provide a solution to this problem. By working on a shared, decentralized ledger, blockchain can help create smart contracts and speed up transaction processing times. Additionally, blockchain transparency can help track information and ensure secure data storage. Ultimately, blockchain has the potential to provide a much-needed solution to the global retirement crisis. Peer-To-Peer TransactionsBlockchain technology could help to facilitate secure, peer-to-peer transactions between retirees and financial institutions. That would allow retirees to access their funds quickly and easily without a third party. Digital Identities for RetireesAnother way that blockchain could help solve the retirement crisis is by creating digital identities for retirees. It would allow them to access their benefits and pension payments quickly and securely. Additionally, it would give retirees peace of mind knowing that their identity is safe and secure. Blockchain technology could create digital identities for retirees without worrying about identity theft or fraud. Smart ContractsBlockchain could also create smart contracts. These contracts would help automate the retirement process, making it easier and faster for retirees to access their funds. Smart contracts are also tamper-proof, meaning no one can alter them without detection. It would help to ensure the security of retirees' data and benefits. Provide a Single Global DatabaseOne of the most significant advantages of blockchain technology is its ability to create a single global database. It would allow retirees from all over the world to access information about their benefits and pension payments. Additionally, it would help prevent fraud and ensure that all data is accurate and up-to-date. Creating More-Accessible Retirement PlansA key trend that is helping to solve the retirement crisis is the rise of blockchain-based retirement plans. These plans offer retirees a more-accessible way to invest in cryptocurrency and other digital assets. Additionally, they provide a secure platform for storing and managing retirement funds. These retirement plans can offer a more secure and efficient way to save for retirement using blockchain technology. Tamper-Proof RetirementBlockchain technology can help to create tamper-proof retirement systems. It would allow retirees to rest assured that their data is safe and secure. Additionally, it would help prevent fraud and ensure correct benefits payments. Blockchain could help create a more efficient and secure retirement system that would benefit retirees worldwide. Fewer Thumbs in the PieIntermediaries often cut the money that changes hands in a transaction. By removing the need for a third party, blockchain could help reduce the cost of retirement planning. It would be a welcome development, as the high costs of retirement planning can often be a deterrent to saving for retirement. Because blockchain transactions are peer-to-peer, there is no need for an intermediary. More of the money goes to the people involved in the transaction. ConclusionOverall, blockchain has the potential to be a game-changing technology when it comes to retirement planning. By addressing the challenges retirees face worldwide, blockchain could help solve the global retirement crisis.
If you already know the basics of resume writing, it's time to choose a resume template from a CV maker. Templates can be helpful tools to organize your information and make formatting easy. However, not all templates are created equal. Some templates are more generic and may not be a good fit for your specific skills and experience. Others may be too flashy or have colors or margins that are too busy. To help you out, here are a few tips on how to choose the resume template for your needs.  Choosing Between Free Or Paid TemplatesFree templates are readily available in an online CV maker, but do some research before you download anything. Look at several different resume samples to get an idea of what will work for your type of job and skill set. As with all resumes, the goal is to have a document that stands out in a positive way without being gimmicky or unprofessional. The best resume templates are those from professional resume writers. When a writer prepares a template as part of a complete resume package, it is done with the specific job in mind so that all sections and sections align to highlight your skills for that particular role. However, their expertise comes at a price. If you want something simpler and more straightforward, a free template in a free CV maker is a good place to start. A good example is Venngage, which also has premium options. Determining The Type of Resume You NeedThe first step is to decide what type of document you need: a chronological, functional, combination, or targeted resume. Your goal and the job description will help determine which one is appropriate for you. Once you know the document type, you're ready to choose a template in a CV maker online. Look for one that meets these basic guidelines: Has Enough White Space Between SectionsThe template should not be dense, or it will take too long to read. You also want space around your name (centered at the top) and contact info (placed directly below). Uses Fonts That Are Easy To ReadSerif fonts (like Times New Roman) are generally easier to read than sans-serif fonts (like Arial). However, many employers now prefer sans-serif fonts for resumes, so you might want to consider going for that instead. In A Document Format That Works For YouWhile many templates are in formats like DOC, DOCX, and PPT, you may want to choose a template in PDF format. PDF resumes can be filled out and saved electronically. If you have limited computer skills or do not have access to a scanner, this might be the best option for creating an electronic resume in your CV maker app.  Has A Modern, Clean StyleA template with a more traditional or conservative look might not be right for you if you are changing careers. A basic chronological resume (with your contact information centered at the top) would work best here. However, make sure that any design elements don't get in the way of your content. A simple resume template with clean lines and no photos other than your own or graphics is also a good, safe choice. A good rule of thumb is that if you don't want to put it in an envelope and mail it, it might be too flashy. One To Two Pages In LengthA resume that's too short or has very dense text will not capture the employer's attention. If it is more than two pages, you need to streamline your content. Use a functional or targeted resume instead of a chronological one if this is an issue with your long work history. Customizing The Resume TemplateThe next step is to customize the template for your own use. This includes adding or deleting sections, adjusting margins and fonts, and choosing a color scheme that represents you. The more personal you make the template, the more likely it is that the employer will see your skills and experience in a positive light. You may even want to include your photo on the resume. A template can be a useful tool when you're in a rush or don't have much time for resume writing. However, if you're applying for jobs where competition is stiff, only use a template as a starting point. Using a CV maker free or paid, customize it with personalized content and include a cover letter that will make you stand out from the crowd. When you're finished, save the document as a PDF and make sure to print a copy for your job search file. Having a well-formatted resume will make it easier for the employer to read and understand your skills and experience. It also shows that you are professional and have taken the time to create a document that is tailored specifically for them. In SummaryThe bottom line is that a resume is how you show potential employers what you have to offer, and it's important to choose a template that accurately represents your skills and experience. Choosing the right resume template can be tricky, but it's worth the effort to make sure your resume stands out in a positive way. Use these guidelines to find the best template for your job search and customize it to reflect your own skills and experience. Happy hunting!
Witnessing your child preparing for university can be overwhelming because there are so changes happening all at once. The good news is that if you’re retired or on the brink of retirement, you have the freedom and mobility to take an active part in this new stage of your child’s life. Your child has tough decisions to make, and your support and guidance are essential in this process. The biggest challenge is helping your child choose a university where they can fulfill their academic potential. Read on to discover a few essential tips. Discuss FinancesIf you plan to offer financial support to your child for the duration of their studies, discuss their academic options in the family. In addition to talking about educational goals and professional aspirations, include practical aspects in your conversation. Having an accurate idea about tuition fees and accommodation costs is critical. How much financial support can you afford to offer without this affecting your retirement nest egg? Many universities offer financial aid and scholarships, and some institutions are more generous than others. Explore all options with your child to make a financial arrangement that works for everyone. Visit Shortlisted UniversitiesOnce your child has a shortlist of desirable universities, visit each institution to get some direct information on the spot. Getting a glimpse into the atmosphere on campus is also vital before making such an important decision as choosing where to study. Going to university open days with your child is the ideal way to determine if an institution is a good choice or not. Open day events are a valuable experience because they offer students and parents the chance to get answers to all their questions about a university. Talk About Long-Term PlansAttending university is, for most students, the first time they feel truly independent and responsible for every aspect of their lives. Living away from home for the first time is a unique experience, and each student relates to it differently. Some children cherish their independence and the chance to design their lives as they want, but others don’t like the idea of distancing themselves from home. Chat with your child about these aspects to determine their feelings regarding possible changes in your family life. Discuss your retirement plans as well. Many retirees decide to sell their family homes and downsize after their children fly the nest. Others choose to travel around the world in their retirement years. If you have such plans, let your child know so they can plan their life accordingly. Is your child planning to live at home and commute to university to avoid accommodation costs? Is your child considering universities in another region or country? Proximity to home is a significant aspect to consider when choosing a university, and the entire family should be very transparent about their medium and long-term goals. Final WordsUse our tips to help your child choose the university where they can best accomplish their academic goals. Make sure this change in your family dynamics does not affect how present you are in your child’s life.
 As people grow older, they may experience loss of hearing. In fact, nearly one-third of people above 65 years have some hearing loss. For older adults, hearing loss can negatively affect their quality of life because it can result in social isolation. And if you suffer from any chronic disease, hearing loss can interfere with your ability to properly manage all aspects of your condition, further affecting your quality of life. Therefore, proper screening of your hearing problem ensures early treatment and improved quality of life. If you keep telling people to repeat themselves, have difficulties hearing high-pitched sounds, or need to raise your TV volume, you should undergo an online hearing test to determine whether you have a hearing problem. The good thing about an online hearing test for older adults is that it’s more convenient, free, saves time, and feels less intimidating than in-person tests. Here are the most effective hearing tests online used to screen for hearing loss in older adults: A Short Quiz TestOnline hearing tests begin with a brief questionnaire to gather some basic background information about your hearing. Your audiologist will ask your age and gender since it influences the ideal range to use when evaluating you. For instance, a high-pitched noise can be used to test the hearing capability of a younger person but can’t be used on a 60-year-old adult. Online tests may also want to know how comfortable you are or your hearing ability in noisy situations. The answers you provide will then be used to test your ability to detect different tones and speeches through your computer’s audio setup. Speech and Noise TestsThese tests check your ability to hear spoken words at different volumes. During the test, you’re required to put on headphones. Then, your audiologist talks to you or plays speech excerpts through the headphones at different volumes. The audiologist records the softest speech you can hear as you repeat the spoken words. The tests can be conducted with background noises that mimic real-life background conversations or street sounds. This is important because most people with hearing problems have difficulties understanding speech in noisy environments. The test will play soft and loud spoken words with no background noise and then harder, more confusing words with background noises. Tone testsThese tests involve playing a series of tones through your headphones. Your audiologist will change the volumes and frequencies of the tones at specific points during the test. You will need to respond whenever you hear or detect the tones by pressing a button on your laptop or raising your hand. This identifies the softest sounds you can hear at varying pitches, helping track early-onset or mild hearing loss. EndnoteIf you’re not sure about your hearing health, undergoing a home hearing test is one of the easiest and most convenient ways to establish whether you have hearing loss. Based on your test results, your audiologist can recommend appropriate treatment or in-person hearing tests to conduct a more comprehensive examination. This way, they can identify the main cause of your problem and provide the best solution to improve your unique hearing difficulties.
The department of transportation is a department that regulates the rules and regulations for commercial vehicles. A department of transportation number is a number motor carrier safety administration assigns to a commercial vehicle that applies for the registration. You must register for the Iowa DOT Number for a vehicle that you will use for your commercial business purposes. The weight of the vehicle must be more than 26000 lbs. If your vehicle, truck or trailer is having a weight, of less than 26000 lbs. then you are not required to have a DOT number. If you have a DOT number, you will face no trouble while you cross the state lines. The DOT number is necessary to cross state lines. With a DOT number, you can run your business operations smoothly. IFTA Fuel TaxWhen you have to cross the state lines with your vehicle that have a weight of more than 26000 lbs., you must also need to register for an IFTA fuel tax along with a DOT number. IFTA is an international fuel tax agreement. You will be required to pay the fuel taxes according to the mileage covered by your vehicle. Business people who have a commercial vehicle for regular use must obtain an IFTA license and file their returns at the given time. The commercial vehicle using fuels like CNG, LPG, diesel, etc. must submit this special fuel tax. Other fuel categories that are not used to operate commercial vehicles are exempt from paying special IFTA fuel tax. Iowa DOT NumberAn Iowa DOT number is necessary to drive in Iowa and to cross other states. It is compulsory for vehicles that move from one state to another. Vehicles that transport hazardous materials and construction equipment must have a DOT number for their smooth travel. This is necessary to meet on-time delivery of goods and products. A DOT number will make your travel safer, less complicated, and legal in all aspects. With a valid DOT registration, you will be able to transport and deliver your goods and products across the state. Unified Carrier RegistrationUnified carrier registration (UCR) is a system used to register and collect fees from the transportation businesses and operators of vehicles engaged in interstate travel and transportation. UCR imposes safety rules and regulations across states and provides intrastate trucking registration to their clients. They renew and update their fees after every 12 months so before you apply, check for the latest updates and packages they are offering. If you have a valid DOT number, it means that you are subject to the unified carrier registration (UCR). The unified carrier registration period starts from 1st October every year. Contact DetailsIf you want to get an Iowa DOT number, you can call at 765-742-2610. You can also call for general inquiries and discussions regarding commercial vehicles. The dedicated and professional staff will help you with your vehicle registration. The authorized officer and the team will answer all of your queries regarding the DOT number, unified carrier registration (UCR), and state fuel tax. They will also tell you about the latest information and updates. Customer ReviewsJames Cameron, an owner of a moving company, said that FMCSA Registration LLC has played the role of a lifesaver for my business. They make sure that my team and staff comply with all imposed rules and regulations. We have paid no fines and penalties yet in many years. Moreover, he gave all credit to the authorized registration office and DOT issuing authority, as they are the only third-party registration service that I trust for my business.
Another client, Alicia Walker, vice president of an interstate carrier said that her company has secured DOT Numbers, MC Numbers, UCR Registration, and fulfilled all other requirements for their commercial vehicles. They said that they got the top-class services from issuing author and the registration team is so generous and professional. They offered quick and fast services to their clients. Their customer service is excellent and they go the extra mile to make sure that we maintain full compliance at all times. They provide guidance and give all necessary information to the team and drivers for their smooth business operations.  Now that you've decided to become a caregiver for your senior loved one, it is important to prepare yourself for the journey ahead. While caregiving can be a challenging task, you only need the right mindset and preparation to make it through. Below, we share five practical ways you can get ready for senior caregiving. Educate YourselfOne of the most important things you can do to prepare for senior caregiving is to educate yourself on the topic. This means learning about the common health conditions that affect seniors and understanding the aging process and what changes you can expect to see in your loved one. You should also be aware of the different types of caregiving services available and what each of them entails. To acquire the best skills, you can also enroll for a relevant training course like the CPR first aid training in Tacoma. This will help you make informed decisions about the care your loved one needs. Prep Your Home for SeniorsAnother way to prepare for senior caregiving is to make your home senior-friendly. This means making some adjustments so that your loved one will be able to move around safely and comfortably. For instance, you might need to install grab bars in the bathroom and handrails on staircases. You might also need to rearrange furniture to create a clear path from one room to another. Enlist the Help of Family and FriendIf you're going to be a caregiver, it's important to ask for help when you need it. Family and friends can pitch in by running errands, helping with housework, or simply providing emotional support. Even if you're doing an excellent job providing care to your loved one, you're going to need some helping hands at one point or the other. This is important so you can take some time off and unwind before picking up again. Talk to Other CaregiversThere are certainly a lot of other families taking good care of their senior loved ones, and you can talk to them to learn a thing or two. You can ask for advice, share tips, or just plain vent about the challenges you're facing. Laying off your burdens or challenges in your caregiving journey can help you understand how to overcome those challenges or lighten your load. You can also learn from the other caregivers how they've successfully managed their caregiving journeys. It's always helpful to have someone who understands what you're going through and can boost your morale. Create Realistic Caregiving ObligationsTo be the best caregiver you can be, you need to ensure that you're taking care of yourself first and foremost. This means setting realistic expectations for what you can handle and being honest with yourself about when you need a break.
If possible, try to set up a regular schedule with your senior loved one where you can have some time off each week. You could also invest in tools or products to keep them occupied while you're away, so you don't have to be with them throughout. This will help you avoid burnout and give you the chance to recharge. Caregiving can be an incredibly rewarding experience, but it's also important to be prepared for the challenges that come along with it. By following these five tips, you'll be setting yourself up for success as a caregiver, giving your loved ones the best life they yearn for after retirement. If you've just entered your golden years and you're due for a well-deserved vacation, it's worthwhile to consider extending your stay. Long-term refers to vacations that are typically three to six months long. And while this stay term might initially seem somewhat excessive, we have listed the most compelling reasons why you should consider a long-term holiday. Get A Deeper PerspectiveWhen visiting a region for a short period, you only really have time to experience the tourist hotspots. As a result, you will only get a surface perspective of the place. On the other hand, by staying longer, you will have more time to explore the environment and get to know the locals, gaining a more profound perspective. It's Not As Expensive As You ThinkYou might be thinking an extended vacation will cost substantially more than a regular vacation. However, you might spend less on flight tickets as you will be able to wait for discounts. Furthermore, short-term rental apartments, Toronto and various other areas offer long-term travelers the option of saving on accommodation costs for longer stays. Beyond these costs, your daily expenses will typically be the same, so you might end up saving on the total vacation cost by saving on flights and accommodation. In addition, there are also several ways to lower your travel expenses, such as traveling off-season and being flexible with flights. A Time To Truly UnwindMost of us already know that even though travel is rewarding, vacations can often be stressful; we tend to try our best to get the most out of every day of your stay. On the other hand, if you stay longer, you will have more time to experience the environment at your own pace. You really won't need to worry about not having enough time to do everything you want to do. As a result, long-term travel is likely the most suitable vacation type for seniors. Assess Potential RelocationMany retirees consider the solution of relocating to get the most out of their golden years and their retirement funds. Because some regions are more affordable and offer excellent pensioner benefits, relocating is often the best option for seniors. If you are considering relocation, it's worthwhile to opt for a long-term visit to your destination of choice. This way, you will have time to determine if relocation really is suitable and practical. Learn A New LanguageIf you opt for a foreign country for a long-term vacation, you'll have the opportunity to learn a new language. Just from experiencing the locals and their language during your stay, you will pick up on some words and form the base for a new language.
However, you will still need to invest time in learning any language. Let's say you've decided to learn French, French lessons are a great way to get started, and you can even learn the language with native-level teachers online, who will encourage you to stay focused and motivated. Long-term travel is often considered cheaper, and travelers enjoy a more profound experience of the culture and locals. Nevertheless, as a senior, long-term travel gives you the opportunity to enjoy your vacation at your own pace, free of time restraints. That said, it's worthwhile to consider travel insurance when visiting foreign regions for extended periods, as this insurance will provide access to quality medical care and protect your pocket from various travel mishaps such as lost baggage and others. Is your employer force-delaying your retirement? If yes, you have come to the right place. Retirement is one of life's biggest chapters for most individuals. It is a step that every working person prepares for their whole life. The whole idea of stepping away from work might sound bizarre, but it is an essential step you should take to improve your health, spend time with family, travel the world and do all the other things you would not have done while at work. Typically, an employer is required to let you go whenever you wish to retire. However, that is not always the case for some individuals. Some employers may force-delay your retirement for several different reasons. One of the most common reasons your employee may want to extend your tenure is to retain your experience. Hiring and grooming a new employee to understand the company's culture can take lots of time and money. That's why some employers might be reluctant to let you retire when your time comes. If you are not in a rush to retire, having an employer that won't let you leave can be a good thing. However, other employers might retain you against your will. They often do that by creating difficult situations that prevent you from retiring. For instance, there have been cases where companies delay payments or the distribution of 401(k) benefits. If you find yourself in any of the situations mentioned above, it might be a good idea to take a few steps to fix the issue. Here are a few steps you should follow when your employer would not let you retire. As For ExplanationIf your employer is force-delaying your retirement, the first step you should take is to give them a chance to explain themselves. Sometimes, a company might try to retain an employee for good reasons. Also, the employer might delay your 401(k) distributions due to a legitimate reason. Here are some of the reasons:
Hire an Employment LawyerSeeking the help of workplace lawyers might be the best course of action to follow if your employer is deliberately delaying your retirement. It is illegal to force-delay someone's retirement, especially when an employer uses tactics such as delaying payments or 401(k) withdrawals.
Workplace attorneys know their way around the employment laws and can help you file an appeal for denied claims. Their expertise will convince your employer to release you and give you what the company owes you. Conclusion If you are a valuable employee, some employers might go out of their way to retain your services. However, the decision of whether to remain at work or retire depends on you. So, you should take action if a company won't let you retire.  According to the Centers for Disease Control and Prevention (CDC), the U.S. has seen a 60% increase in older drivers between 2000 and 2018, with more than 45 million drivers on the road aged 65 and above. Although older adults tend to drive more safely than younger drivers by adhering to safety rules, driving in safe conditions and refraining from drinking and driving, age-related factors can affect their driving abilities. With declining cognitive function as well as vision it’s important older adults do what they can to stay safe on the road. Below are some tips that you can take to ensure your own safety and that of other road users. Stay ActiveStaying physically fit as you get older will help your muscles retain their flexibility and strength which can aid your driving abilities, making it easier to get in and out of the car, grip the steering wheel, turn your neck or look over your shoulder. Studies have shown that shoulder and forearm rotation are key movements in driving safely so exercises that increase mobility such as yoga or stretching can help keep your joints agile and strong. Physical activity can be incorporated as part of your daily routine, whether it be going for a short walk, sit-to-stand exercises at home or light strength exercises to condition and strengthen your muscles. Sight and Hearing TestsAging can have an effect on the senses, with hearing and vision declining in particular. This can present a significant risk when it comes to driving as the senses need to be alert for a driver to respond quickly and effectively in situations such as oncoming emergency vehicles or to unusual sounds from within the car. This can be particularly hazardous in more populous areas as according to the website of Caffee Accident & Injury Lawyers car accidents frequently occur in cities. Common eye issues such as glaucoma, macular degeneration and cataracts can lead to impaired vision as you age, which can blur vision making it more difficult to drive in reduced light conditions and may also intensify the glare from other car headlights as well as the sun. It is important to have regular eye and hearing tests with a specialist to ensure there are no issues or to detect them in their infancy. Often, improvements can be made with corrective eyewear or hearing aids to reduce the risk of an accident while on the road. Manage Your MedicationsSome medications can have side effects such as drowsiness, inability to concentrate and blurred vision which may have a detrimental effect on your driving abilities. Review the guidance on your medication for any adverse side effects and whether it advises against driving while taking it. If you are unsure, it is best to check with your doctor or pharmacist. Refresh Your Road SkillsYou can improve your road safety and driver skills by taking a refresher course aimed specifically for older adults. This might involve driving lessons in your own car with advice from a qualified instructor on how to improve your driving and remove any bad habits. By improving your driving skills you will also increase your confidence on the road, making you a safer and better driver.
By following the tips in this article, you can enhance your driving abilities and ensure many more years of motoring.  Sleep has many benefits to our mental and physical health. However, the connection between sleep and eye health is still unclear, partly because vision isn’t a priority to many people when it comes to proactive self-care. How does sleep affect our vision? What does lack of sleep do to our eye health? How much sleep do you need to maintain good eyesight? This article answers these and more questions that you might have regarding the sleep-vision connection. What happens to your eyes when you sleep? When you sleep, your eyes close. This is except for about 20% of people who suffer from a condition known as nocturnal lagophthalmos. Your eyes will retain the ability to sense light after you fall asleep, whether you close them or not, explaining why you will almost always wake you up if someone flashes a bright light in your face. Beyond that, your brain will not receive any signal from your eyes while you sleep. Even after you kip, it will take up to 30 seconds for the connection to be restored. Our bodies experience five sleep phases, grouped into the non-REM and REM (rapid eye movement) stages. We experience eye movement during sleep in the REM stage, which is the shorter and latter of the two. The first stage, non-REM, is further divided into four stages, which combined make up 80% of the sleep cycle. Is sleep deprivation bad for your eye health?Dark circles below your eyes are one of the most common signs that you didn’t get enough sleep the previous night. The more significant damage is usually concealed and may not be felt until it has piled enough to affect your overall eye health. Eye Spasms Anything less than six to eight hours of sleep per night will take a toll on your vision, even if marginally, and the effects may be long-term. Eye spasms are among the most common effects of insufficient sleep. These are rapid eye twitches that happen when you have eyelid spasms. The spams, also known as myokymia, are typically painless and do not affect your vision. However, they’re highly disruptive and can affect your productivity during the day. Dry eyes Without at least seven hours of sleep per day, fluid circulation takes a dip, and the eyes may fail to get enough lubrication. This leads to dry eyes or the worsening of dry eye syndrome if you have it. Usually, you will experience irritation and become more sensitive to light. Some people’s vision becomes blurry until they sleep again. Also worth noting is that people tend to rub their eyes a lot when they have dryness, which worsens the situation and can cause infection. Red eyes Insufficient sleep can also result in the bursting of blood capillaries in your eyes. This is not as painful or grave as it sounds, but the unsightly look of bloodshot eyes can cause self-consciousness. Glaucoma Glaucoma is one of the more severe conditions that can result from sleep deprivation. Its sleep-related causes are poor sleep quality, low sleep efficiency, prolonged sleep latency, and short sleep duration. A severe case of glaucoma can cause vision loss. It’s advisable to go for regular eye checkups if you haven’t been sleeping enough. Ischemic Optic Neuropathy Consistently getting insufficient sleep deprives your eyes of proper blood flow, putting you at risk for ischemic optic neuropathy (ION). ION is a condition characterized by optic nerve damage, unclear sight, and sharp pain. How to protect your eyes from sleep deprivationThere is no way to mitigate the effects of sleep deprivation on your eye health other than getting enough sleep. Here are tips to help you with that:
EndnoteEyesight is considered our most important sense. By getting enough, quality sleep, you bolster its functioning, keep it healthy, and improve your life.
Remember the days when you only had two weeks of summer vacation? Well, those days are long gone. You just retired and are ready to see the world. The question is, where do you go first? Pre-Vacation PrepPrepping for your vacation is just as important as where you go and what you do when you're there. In fact, how you plan on paying for your retirement vacation needs to be settled prior to booking ticket. If you've been saving up, then all you need to do is check that you have enough to cover everything. If you short on cash and don't want to tap into your retirement fund, you could apply for a personal loan to pay for your vacation. To get the best rates, apply through a private lender instead of going through your bank. They tailor to terms that can fit your budget, and the interest rates are usually lower too. AlaskaIf you’re ready to see the world but aren’t ready to go abroad, Alaska is a good start point. It’s a completely different place than where you currently live, and you can customize your vacation any way you like. You can go hiking and kayaking, or you can choose to relax in nature and take in Alaska’s beauty. Just remember that it gets extremely cold in winter, so plan your travels to this utopia accordingly. MiamiHow can you not want to visit Miami? It’s home to beautiful beaches, vibrant nightlife and an eclectic arts district. You can spend your days working in your tan, or choose to explore the city and do a little retail therapy. Miami has hundreds of quaint boutiques and shops to choose from. If you really want to go all out, you should book a stay at the Four Seasons or Mandarin Oriental. Both hotels are beachfront properties, and offer luxury vacation packages. It’s important to note that as beautiful as Miami is, it can also be expensive. CaribbeanThe Caribbean is another great place to kick off your retirement. There are numerous idyllic islands to choose from, so do your research and figure out which island is for you and best suits your plans. The food is delicious, and the locals are warm and welcoming. If you want to spend time playing golf, you should check out the Four Seasons resort in Nevis. ItalyWhat can you say about Italy? It’s rich in history, culture and its Mediterranean climate is perfect. There are plenty of places to visit in Italy, so if you’re planning on spending a few here, you could go on a tour. The top spots to visit include Rome, Milan, Venice and Positano. There are plenty of other regions worth visiting as well. Just keep in mind that major metropolitan areas are better if you don’t speak the language. In smaller towns, it might be difficult to communicate with the locals. FranceParis is another international destination you should visit. In fact, it’s only a four-hour train ride from Paris to Milan, so you could combine the two trips into one longer vacation. Paris is full of expats, so finding someone who speaks English won’t be hard. You should visit the Louvre Museum, sample French cuisine and also try to see the beaches in Normandy. PortugalLisbon and Algarve are just two must-see regions to visit but there are tons of opportunities to explore Portugal’s best kept secrets also. Lisbon is the capital of Portugal whereas Algarve is more of a laidback beach town. Both have stunning architecture and landscapes to enjoy, in addition to plenty of shopping and entertainment options. There’s a huge digital nomad and expat community in Portugal, so you’ll have no problem finding someone who speaks English.
Many people who retire from their full-time jobs find that they are not quite ready to sit back and do nothing. A lot of those who retire do so because they have reached that age, but this does not mean that you cannot continue to do some work even if it is on a part-time basis to supplement your pension and to keep you busy. In fact, more and more people who retire are starting to take on part-time work, as this is a good way to break yourself into the new way of life with no full-time job commitments. Going directly from full-time work to retirement can be a shock to the system but getting something part-time can make it easier to transition. In addition, this means you can boost your income and enjoy the flexibility of part-time working for a while before you retire completely. What Can You Do?There are lots of options available if you want a part-time career, so you need to consider your interests and preference. You can get resume help and create a great resume to help you to get work with an employer, or you can even work for yourself from the comfort of your own home. Below are some options you can consider: Simple Part-Time WorkOne of the things that you can consider is getting a simple part-time job with an employer. This means that you won’t have the stress of your full-time job and you can enjoy more free time. At the same time, you can break yourself into retirement gently and continue to earn money in addition to your pension. You can apply for jobs based on your experience and qualifications or simply based on ease and convenience. Working for YourselfAnother thing that you can do is to work for yourself offering services to others. For instance, if you consider yourself good with DIY, you could offer basic repair services and DIY services in your local area. If you are a great cook, you could offer part-time catering or cake-baking services. You could even put your creative skills to good use and do things such as selling homemade greetings cards to others. There are plenty of options that you can consider if you want to set up your own little home business. Working OnlineFor those who are confident about using the internet, you could also consider part-time online working, and you can offer services based on your skills and qualifications. There are all sorts of services that you can offer online on a part-time basis such as content writing, bookkeeping and accountancy, or even becoming an online seller. You only need a computer and internet access to get started with many online jobs, so it is well worth considering whether this is something that you can do.
These are just some of the options that you can consider if you want to stay busy and earn money after you retire.  When we’re injured or unwell, we may not recover as quickly as we might have when we were younger with faster cell regeneration. However, even though getting older may mean your recovery journey is slower, that doesn’t mean it has to come to a grinding halt. You may be able to help yourself by doing some of the following things: Get Expert HelpYou may be surprised at how beneficial it can be to rely on experts for help while recovering from an accident. For example, a law firm like Onder Law can fight for your right to compensation so that you can afford the care you need. You can also tap into many different resources like home help for meal preparation, cleaning, and gardening, and specialists for health and medical treatments. People with expertise in recovering from an accident or injury can be a guiding light through what may be one of the most challenging times of your life. Take It SlowIf a medical professional has advised you to rest, relax, and take it easy while recovering, try not to go against doctors’ orders. You might need to hire someone to take care of your property to avoid hurting yourself and even stop engaging in your regular exercise routines for a while, such as long walks, cycling, swimming, and intensive social activities. While a slow transition back into these activities is likely sensible for muscular strength, allow medical professionals to advise when it’s safe to do so. Eat Healthy FoodAs your body recovers from painful injuries, it never hurts to give it a helping hand. Encourage the healing process through healthy food choices. For example, you might eat more leafy greens that are packed full of folate, magnesium, and manganese, and even include more vitamin C-rich food that helps with wound healing. Some excellent foods to include in your diet during the recovery process and at any other time are green vegetables, eggs, salmon, berries, poultry, and nuts and seeds. Get Support from Family and FriendsIt’s never easy trying to recover after an injury or even surgery, especially when you can feel like your independence has been taken away. Don’t be afraid to rely on friends, family, and partners for support during this challenging time. Social visits may help you cheer up, and you may even be able to rely on them for errands like groceries and medication. Talk to Mental Health ProfessionalsDepending on how you were injured, you may be suffering mentally as well as physically. While you likely have plenty of medical professionals assisting with wound care and physiotherapy, don’t underestimate the importance of mental health support to help with depression, sadness, anger, post-traumatic stress disorder, and anxiety.
If you need to, make an appointment with a therapist who can listen to your concerns and provide helpful tools and coping mechanisms. While you’re healing physically, you can also be healing mentally at the same time. Recovering from an injury or surgery can be challenging, especially when you don’t recover as well as you used to. However, by focusing on your diet, surrounding yourself with a support network, and taking it slow, you may be on the journey to improved health in no time.  Also referred to as a life plan community, a continuing care retirement community (CCRC) offers everything that older adults need during various stages of aging. These communities address seniors' unique needs after retirement, such as housekeeping, transport, meals, fitness, and wellness programs. Below are important things you might not know about CCRCs. Couples and Pets Are WelcomeEven couples that have lived together and aged together won't develop the same conditions or have the exact same needs. The declining health of one partner shouldn't be a cause for separation, and many retirement communities accept and accommodate couples. If one partner is in good health, but the other suffers a stroke or develops a chronic condition, caring for their partner might prove difficult. Juggling between doctor's visits, timing medications, providing personal care, and maintaining the house is overwhelming, and might lead to isolation and the onset of health problems. If sending your spouse to a retirement facility alone isn't appealing, most facilities have options that allow couples to share with the residence while receiving care and assistance. Most retirement communities have one and two-bedroom units with different floor plans for couples. Similarly, pets are also welcomed to these centers. Generally, animals help reduce stress and blood pressure while increasing physical activity and social interactions for old adults. You Can Customize Your ExperienceMost retirement communities don't provide a general experience to all residents. Instead, you get to choose the level of care based on your unique needs. At Riverview Retirement Community, residents can choose between:
The benefit of choosing a community with all levels of care is that you won't have to move if your status changes. For instance, suppose you chose the independent living option on admission, but your health condition changes some years later, necessitating assisted living services, you will get these services within the community. Senior Living Isn't What You ThinkMost people mistake retirement communities for nursing homes. Unknown to them, retirement communities and senior apartments are far from their antiquated misconceptions. Modern retirement communities are designed to meet aging adults' physical, emotional, mental, and social needs. This loosely translates to beautiful décor, good meals, exercising opportunities, professional staff, onsite entertainment, and endless opportunities of connecting with peers. A recent report concluded that seniors consider the quality of services when choosing a retirement community. Fortunately, this is what current retirement communities focus on. EndnoteWhether you are looking for perfect retirement ideas for you, your spouse, or your parents, which allow them to maintain their independence, retirement communities are an ideal solution. These facilities also care for seniors who need assisted living services, memory issues, such as dementia, and other old-age associated conditions.
It's essential to communicate with your colleagues and clients in their language when traveling for business. You can do some tricks if you're looking to improve your spoken French for business. First, try to find opportunities to speak French as often as possible. It could mean watching French movies or TV shows, listening to French podcasts, or attending online French courses. You can also practice speaking with a person or tutor who is fluent in the language. Don't be afraid to make mistakes! The more you learn the language, the better you'll become at it.  Work on ListeningThe key to fluency in a new language is practice. It's not enough just listening. You have got control over what comes out of your mouth and how it sounds by practicing the process of hearing then understanding before speaking again. The best way we've found ways to use French audio materials as songs or podcasts recorded is because they're more natural than ones from France, making learning much easier for you. You can also memorize what you heard while watching a French movie or TV show. You might make an index card with French key phrases and the most common French adverbs on it and review them frequently throughout your studies so that they become ingrained in how you communicate. There are many different ways to study French, but there may be a better alternative depending on your level. Podcasts would work great if you want something portable and help with language learning while walking or going about the day. Suppose we were looking for an app specifically designed for beginners who need a more tailored experience. In that case, nothing beats Français Authentique, though, because it also offers video lessons. Get Yourself a PartnerAre you looking to practice your French? Why not try speaking with a native speaker! You will get more than just words, and you'll also learn how they say things in real life. And suppose that doesn't work out for some reason or another (maybe because of difficulty understanding one another). They're always asking them to repeat themselves slowly, so no conversation goes by without an answer being given at least once. Get a PhrasebookThe more personalized your French phrasebook, the faster you'll learn to speak and understand. You can use it for everyday conversations or when traveling abroad so that people know what language you're saying and how they should be addressing/referring back to whichever country's customs are being discussed. Learn Some Words Every DayWords are crucial because they allow us to communicate our thoughts and feelings. They provide insight into the world around us, but words can also be difficult for some people who have trouble remembering them or using the right ones at just the right time. To help you out with this problem, you can create a list of the most used French words in business. Prepare Yourself for Uneasy SoundsIt can be difficult at first to make the unfamiliar sounds of that country's native tongue when learning a new language. However, some people find this challenge more daunting than others and let their embarrassment hold them back from saying something correctly or making mistakes when speaking French, for example. Feeling stupid is a typical response when people start speaking another language. They're afraid they will make mistakes and feel embarrassed about it, but don't let this hold you back! Keep going in your online French classes even if, at first glance, everything feels silly or challenging to say. Eventually, these feelings won't matter – the skill itself will become second nature with practice (and sometimes third). To Wrap It UpLearning French for business is not an easy task, but with the help of some tips we've provided, you should be able to improve your skills in no time. The first thing you'll need to do is find a way to motivate yourself and keep practicing while simultaneously looking at other successful people with their language learning goals. Secondly, make sure that you're listening when people speak so that it becomes easier for you to understand what they're saying, even if it's just tiny sentences or phrases here and there, and thirdly keep on moving forward!
Portugal is an enchanting destination, known to most for the abundance of attraction points in Porto, bustling streets of Lisbon, and awe-inspiring beaches of Algarve, which are all undeniably worthy of your attention. However, there is so much more to uncover in this beautiful country, especially once you set off to explore its wonders off the beaten track. If you have finished touring the major attractions or if you prefer to search for the hidden gems, here are ten best-kept secrets of Portugal that are as attention-worthy as the renowned popular sites. 1. BerlengasBerlengas is an archipelago consisting of small islands in the Atlantic Ocean, just off the coast of Peniche. Known for being one of the best spots for surfing in Portugal, Peniche itself is quite popular; however, not many people know about the unique set of islands just a short ferry ride away. Berlenga Grande is the one of the islands which is accessible to tourists, but it boasts an unparalleled fortress that now houses a tiny bed and breakfast for those wanting to stay away from the big city hustle. 2. ComportaComporta is a one-of-a-kind village located less than a two-hour drive away from Lisbon. This little piece of heaven on earth provides spectacular sceneries and a serene ambiance unbeknownst to masses of tourists and is home to a tight-knit community that ensures the well-being of this beautiful gem.  3. Peneda-Gerês National ParkThe Peneda-Gerês National Park is the perfect refuge for those seeking a nature escape. Located near the Spanish border in Northern Portugal, it is the only national park in the country, covering an area of over 70 000 hectares. It is home to several Portuguese villages, as well as domesticated animals and wildlife likewise. The park provides an abundance of hiking trails and other outdoor pursuits to choose from. 4. Trilho dos PescadoreTalking about trails in Portugal, it is important to mention the Trilho dos Pescadores (Fishermen’s trail), one of the best coastal routes in the country providing spectacular views every step of the way. Even though the views are undoubtedly worth it, get ready for a rather challenging walk, as battling the wind and the sand can sometimes be physically demanding. 5. Buracas do CasmiloAnother under-the-radar location in Portugal, that also provides a trekking trail for those interested in reaching their daily step goals, is Buracas do Casmilo. Located in Condeixa-a-Nova, Buracas do Casmilo is a set of caves situated amid lush nature and rock formations. 6. PiodaoThe one-of-a-kind Piodao village is the perfect location to marvel at some authentic architecture as well as get acquainted with the lifestyle of the locals far away from the herds of tourists. Get lost wandering its narrow streets, soak up the beautiful sceneries around you, and delve deeper into the unique stories about Piodao; it is all ensured to add up to quite a unique travel experience. 7. LamegoLocated in the Viseu District, Lamego is another secret that ought to be unveiled by those interested in the authenticity of Portugal. The charming town is located nearby the beautiful vineyards of Douro Valley and boasts an abundance of sites representing the beauty of Portuguese culture; thus, guaranteeing some lovely views without a doubt.  8. SilvesSilves is another overlooked destination in the country, perfectly summing up its charm. Once the capital of the sunny region of Algarve, the town was a major trading center during the Moorish rule in Portugal influences of which can be seen to this day. 9. FerragudoWhile on the topic of delightful locations in Algarve, it would be a sin not to mention the village of Ferragudo. It is one of the main hidden jewels of the region, boasting white-washed architecture, narrow winding streets, and waters dotted by charming fishing boats. Sounds like a dream, doesn’t it? 10. Praia da AdragaTaking a Faro to Lisbon train from sunny Algarve takes you to the last but definitely not least stop on the list, the spectacular Praia da Adraga. Located less than an hour away from Lisbon, the beautiful beach has somehow still been undetected by masses of tourists, allowing the irregular visitor to enjoy a calm day at the beach and admire the dramatic coastline.  When it comes to Portugal, the list of hidden gems is actually never-ending, as any turn off the beaten path will take you to some charming village, breathtaking stretch of coastline, or a patch of beautiful nature. Make your way to the spectacular destination and find new locations that can be your best-kept secret in Portugal!
 Traveling is always a fulfilling experience, irrespective of your age. When traveling, it always helps to know what to expect from your travels. It also helps knowing how you can make the most of your traveling experience, especially in trying times like this. With that in mind, here are a few super helpful tips for seniors who plan on traveling in 2022. #1 Health and Safety Comes FirstAt the start of 2021, the average number of daily COVID cases was around 200,000. Between March and September of the same year, the number dropped to less than 100,000 a day. As we enter 2022, that number has crossed 500,000 per day. The trend with COVID, therefore, is difficult to understand. And with the Omicron variant causing havoc around the world, things are more unpredictable than ever. Hence, it is important to know about these numbers before you decide to travel. Researchers have put forward the notion that the elderly are more at risk if COVID infects them. Thus, you will have to be extra careful about your health and safety when going on trips in 2022. #2 Know Which Places You Can VisitCountries are opening and closing their borders for tourists based on the worldwide situation with COVID. Some are welcoming tourists despite the rise in cases, while others close their borders the moment the numbers see an increase. You need to look up each country separately before you plan your travels. The same goes for any state in the US that you might be looking to visit. While you research that, look up the COVID numbers in those areas, as well as their daily COVID case rates. That will give you an idea of whether or not they plan on closing their borders anytime soon. #3 Keep An Eye On the weatherPlanning any trip often depends on the weather. Based on the weather data of that place, you can decide whether or not you want to visit that place. Some places are better during the rainy or winter season. Others are more enjoyable during the sunny summer days. Even on your trip, you will have to make your outdoor plans based on the weather forecasts. It always helps to have a weather app at hand when traveling. Using real-time weather data, these apps can help you clear out any confusions you might have. You can even check with the area’s pollen reports by using these weather apps. That is especially helpful information for seniors allergic to pollen. The last thing you would want on your trip is to get an allergic reaction to pollen. #4 Avoid Traveling in Public TransportHire a personal car for you and your travel partners when going on your trip. Avoid public transportation as much as possible. That way, you will be minimizing your exposure to people, which in turn will lower the chances of you getting COVID. #5 Spend More Time OutdoorsExperts suggest seniors spend more time outdoors amidst nature. That helps them get some physical activity done and increase their energy. Apart from improving your physical health, staying outdoors also helps fight depression. It also improves memory. Because of COVID, our outdoor time has been cut short by a huge amount. This is extremely bad for our health. As for seniors, the lack of outdoor time amidst nature can cause severe health problems. Memory loss, dementia, and depression are just some of the many mental illnesses that can pop up because of this. Besides, missing out on outdoor time means a drop in your physical health as well. So make the most of your travels and spend as much time outdoors as possible. Of course, wear a mask, and keep yourself safe first. #6 Avoid Cruise ShipsWhen you are in a different country or state, you can leave the place if there is a lockdown. Although the process is difficult, you can still manage to return home. The same is not possible on a cruise ship. We have seen this in the past where these ships had to quarantine at a port, while everyone on-board was barred from leaving their rooms. Hence, avoid cruise ships for the time being.
That is all for now. A lot of the tips here are more related to your health and wellbeing than travel itself. However, health is important, which is why we are emphasizing it. And as long as you take these suggestions into account, you can surely enjoy your trip to the fullest. |
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