Financial Planning for People with a Disability

Investment Plan

If you or your child has a disability, you will know that there is a large financial cost involved with things such as wheelchairs and other aids as well as extra health care than may be needed. It is important then, to see a financial planner who can help you with the essentials of financial planning to make the best use of your budget. In fact, a financial advisor can become your best friend as they work to ensure your financial needs are taken care of.

Some people are born with a disability, while others are unfortunate enough to have an accident or an illness that caused it. The disability can be mild or worse and can be mental or physical. But the result of having it is often the same; your financial needs are greater, but often there is no chance of earning more money to cope with them. That’s why it’s important to make the most of what you have.

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How to Ruin Your First Overseas Holiday Without Really Trying

First-Overseas-Holiday

If you are going to holiday overseas at a place like Bali for the first time ever you are sure to be totally excited. You may even have those butterflies in the tummy you used to get on the first day back at school. Hopefully, you’ll have a great time, but with no experience it is easy for things to go wrong. Here’s a few things you are likely to do to ruin your holiday.

  • Overbook – don’t just book flights and accommodation ahead of time, book in your meals, shows and day trips as well, then if you see something else you want to do you won’t be able to – at least, not without wasting the money you spent on those pre-booked day trips.

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How Air Conditioning Enhances Your Lifestyle

Air-Conditioning

How do you cope with extreme cold or heat? Somehow, it seems easier to get warm in the winter than it does to get cool when the weather is extremely hot. In winter you can rug up in multiple warm layers, exercise to get warm or switch on the heater – or all three. But when the temperature is soaring and you wear minimal clothing you can still feel uncomfortably hot and sweaty unless you are lucky enough to have efficient air conditioning.

Even wearing all cotton clothing, shorts, tops with spaghetti straps and nothing on your feet it is still hot. When the heat goes on for weeks and months, it can leave you feeling lethargic and unable to be bothered with anything or anyone, especially when the nights are also hot. Hot nights make for restless sleeping – if you can get to sleep at all.

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Planning a wedding? Make sure you get a great DJ

good-DJ-is-essential

Planning a wedding is an exciting time as you book a venue, decide on the guest list, choose the meal and drinks and do the hundred and one other things that must be attended to before the date arrives. But along with all the other organisation, don’t forget to that all-important wedding DJ. They need to be booked well ahead to ensure you are not left without DJ services.

Making sure you get a good DJ is essential. The DJ is the one who takes control of the proceedings and ensures it all goes off according to plan. You will need to give the DJ a list of happenings to tick off, so he knows what to say and when to say it. For instance, if you are having games at the reception, or doing the many traditional activities that many brides love to do, the wedding DJ will lead the guests and tell them what to expect.

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10 Healthy Living Tips You May Not have Thought About

healthy-living-tips

Everyone wants to be healthy and enjoy their life – and there are many healthy living tips on the Internet and in women’s magazines. In fact, there are so many of the same old ones touted all the time we tend to get sick and tired of hearing them. So here are some lesser known tips that you may not have thought about for a long time.

  • Cut back on watching television. Studies have shown that people who watch two or less hours of television per day are 54% less likely to die from any cause than those who watch it for four or more hours. Must be all that sitting, unless you die of boredom from all those reruns.

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Flat Belly Food Shopping List

Are you looking to trim down that fat and lead a healthy lifestyle? A flat belly is an important aspect of your personality as it reflects your eating habits and the discipline you maintain.

Whether you prepare your own meals at home or eat out at fine dining restaurants there is a list of many diets that nutritionists have specified for maintaining or flattening your tummy but the flat belly diet has been the latest research which has paved the way for a faster development. In this section we have disclosed a list of groceries that you need to implement in your diet for trimming down the fat.

Almonds

Almonds are the main source of fiber and protein along with magnesium which is responsible for building and maintaining muscle tissue. You can consume almonds in any form may that be in the form of a snack of 12-14 unsalted almonds or else use an oatmeal to help your intake of almonds in your diet.

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The Importance of Web Design

Imagine setting up a business in a building that looked old and scruffy, then hiding your office down a maze of corridors that were not very well lit. How many customers do you think you would get? And if a customer did eventually find their way to your office, would they want to come again, having seen the state of your building? It’s the same with web design.

Your website is your shop or office

A website is there to attract customers to your business and if it doesn’t look smart and new, or if visitors find it hard to find what they want, they will stay away in droves. That is why it is important to have a website designed by professionals; they not only know how to make things attractive, but how to make your website easy to navigate. They make sure it loads quickly and is also attractive to search engines.

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Home Remedies To Manage Common Illnesses

Even though modern medicines have been gaining popularity today, for the last hundreds of years, home remedies, and natural herbal remedies have been used to cure common ailments. These natural remedies offer a permanent relief from certain chronic ailments and make them non-recurring.

You wake up with a next cold morning as a result of having ice cream the previous day, your kid returns home from school with a muscle sprain after play time, your husband returns home from the office with a cough. Do you think it is utterly necessary to visit the doctor every time for such cases? Not!

Natural home remedies come in handy at times when the situation does not permit you to run to a physician. They are natural, less expensive and do not cause any side effects unlike modern medicines prescribed by your doctor.

This home remedy varies from location to location. They have been followed since the origin of various civilizations. Most historical cookbooks prescribe natural home remedies for fever, common cold, muscle sprain, acne, cough, beauty enhancement, etc. Since then they have been followed by our ancestors and passed on for generations.

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Must Eat Zero Calorie Foods

There is an urgent need to increase the intake of zero calorie foods for maintaining a great health as well as reduce the heat created in your body. These zero calorie foods need more energy to get digested than the energy they provide you with. Thus they are great foods that will allow you to feel full in your stomach and they also reduce the chances of gaining weight along with providing you with nutrients. Make sure that you choose to eat fruits although they are high on sugars but yet they are low on calories which make them the best choice for zero calorie foods.

List of Zero Calorie Foods:

Fruits

Fruits like apricots, grapefruits, tangerines and strawberries are great zero calorie foods that also have high concentrations of fiber which help in conducting proper metabolism and reduce constipation. These fibers are more difficult for the body to digest and hence they consume more energy that is provided by the foodstuffs. Vitamin C is essential for a robust immune system and they also act as great antioxidants. Some of these fruits also have good compositions of vitamin A which help in increasing the strength of vision and the skin quality.

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5 Amazing Memoirs About Addiction

One of the best ways to keep busy and on the sobriety path is to read. And what better books to read than the brutally honest memoirs of successful, Addiction Recovery who have been in your shoes? These books not only help you educate yourself on addiction, but inspire you to continue to thrive and give you an understanding of your journey and the ways you share it with millions of others. Here are five books to read that will make you appreciate your personal experience and how far you have come, and grasp the willpower it takes to always push forward.

1) Permanent Midnight: A gritty, no-holds-barred account of one heroin addict’s journey to what he refers to as a “self-resurrection.” Written from a sober point of view, he recounts his days as an up-and-coming writer who lost himself to his addiction.

Quote: “Not until I stopped doing drugs altogether did I feel like a man. Not until I walked out of that fire did I have any idea what the word even meant.”

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Is Botox for You?

You may only think of Botox as a cosmetic treatment for wrinkles. While it certainly is used for that purpose, it is also used to treat certain medical conditions, giving people a great deal of relief from conditions that are debilitating or embarrassing. For instance, those with incontinence can be helped by having Botox injections in the bladder. This causes it to relax and increases storage so you don’t have to keep running to the toilet.

Other non cosmetic uses for Botox

Other conditions that can be helped by Botox injections are cerebral palsy, multiple sclerosis, teeth grinding, chronic migraines and excessive sweating. In most cases the treatment needs to be ongoing since Botox only lasts for some months. It actually lasts longer than that for sweating treatment, with the effects often lasting for 6-12 months and for bladder problems up to 12 months.

Happily, the treatment is not too painful, except in those areas where there is not much muscle to provide padding. The hands and feet are particularly prone to pain on injection, but most people feel that is a small price to pay for the relief they get. Excessive sweating may not seem like a bad condition, but when your clothes are drenched in sweat several times a day it can really impact your social and work life as well as your health.

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Graphic Design and Your Business

Two of the most important aspects in today’s online World are SEO and the way your brand is presented graphically. Most business people are not trained in graphic design and often think little about it, especially people who decide to have a website only, rather than a physical business and website. Such people may have a feel for design, but most do not, with the result that their website does not attract the business they had hoped for.

Graphic design is used in more than just websites. It is an important component of logos, brochures and advertising of any kind where visuals are used. The saying that a picture is worth a thousand words is never so true as in graphic design and your business. In fact, such design includes other elements apart from images.

Colour

Colour is an important aspect of any graphic design. Statistics prove that certain colours encourage people to buy or to perform the action you require. Many ‘click here to…’ buttons are yellow because that is a colour that has been found to get many people to click and do whatever it is you want from them. It may be to sign up for a subscription, download information and so on.

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How To Arrange Your Dream Villa Wedding In Bali, Indonesia?

Bali has been regarded as one of the best tourist destinations in Asia, especially for relaxing close to beautiful beaches while enjoying the rejuvenating beauty of nature. Needless to say, Bali also happens to be one of the most preferred wedding destinations for couples all over the world.

After all, who would want to miss a chance to get an intimate wedding organized amidst beautiful beaches and clear starry skies that would add that heavenly touch to the occasion?

Couples dream about having their marriage in the lavish and striking Bali villas that make weddings even more memorable. And as they get to pay per night costs for services they order, it happens to e budget friendly as well. But to arrange the wedding is easier said than done.

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All the Wine Lingo You Need to Know

Are you interested in knowing more about champagne and wine and need to have a stance in knowing some of the most expensive drinks on the planet? Well we have got some of the most common yet unknown features for you about the wines and champagnes you drink.

Top 8 things you need to know about your drink:

On the case

Champagne is only a term associated with wines made from AOC grapes found in the Champagne region of northern France. The rest of them are all called sparkling wine. Most of the capitalists make more and more use of the loosely termed champagne to market their products in the market. These are nothing but a form of wine but not exactly wine and you need to be vigilant about the use of the term champagne.

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Best Things To Do In Bali With Your Kids

Traveling with kids is a set of an all-new experience for people; yes, everything is different from traveling with your spouse or friends. This doesn’t mean you are on a mission; you can make decisions at ease. However, you must take care of several things that you might not have in your previous excursions.

While traveling with kids, you need to figure out family-friendly destinations that offer places to visit with kids, the most convenient means to reach there, and lastly, choose stay that is comfortable for both you and your kids. Paramount out of all requirements is that you must find a destination that can offer enough recreational opportunities for your kids.

About Bali

Bali, for a family-friendly trip, can be considered a perfect destination. It is one of the best sources of excitement and fun because you will find some attractions that are suitable for almost everyone in your family. This island, which is full of an array of recreational features, also has lots of five-star resorts without forgetting the amazing villa accommodation, so you get all those services and facilities that are suitable for your family.

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Foods that can Improve your Mood

Are you suffering from certain mood swings and need a home remedy for it? Well there are certain foods which have been established by scientists as mood improving foods. These foods can change the demeanor of your personality and there is a direct correlation between the food that constitutes your diet and the mood you project. It is a common notion that the ‘gut’ is the second brain.

Ensure that your diet contains anti-inflammatory foods that help you reduce your stress levels, maintain composure and help you maintain your energy levels. On the contrary if you eat processed food you will find that they have the exact opposite effect on your moods. It is also necessary to make sure to implement fatigue fighting foods that help you maintain all the energy in your body.

In this section we have taken the liberty to help you find the best anti-inflammatory and fatigue fighting foods that will help you all year around and can be used as a secondary medicine for all your diseases. Just make sure that you consult your doctor before you include any of these foods in your diet.

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8 Important Rules for Business Logo Design

The logo for a business is so important it should never be left to an amateur to design. That said, many people go ahead and create their design because they like fiddling with things like that on their computer. If that is you, here are some important rules to consider when designing a logo for your business or for a friend.

  • Think carefully about what you want and sketch it out on a piece of paper. Try several other designs while you are at it. Don’t use an image from a gallery website because others also have access to that same image. You don’t want to see someone else with your logo, or even part of it.
  • Using custom fonts will also help to make your logo design unique. That said, don’t use too many words in the logo because it risks being too fussy to be clear. Keeping to one font style and one size will make your logo easy to read – less is more. That said, try out many to find just the right choice.
  • Remember that your design should suit your company. Girls in bikinis would suit a swimwear business but not a law practice.

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4 Problems You Will Uncover on Your Way to Sobriety

The road to sobriety otherwise known as substance rehabiltation is a long, hard one, but it must be faced. While you will have good days throughout your journey, you will also have bad days and sometimes these bad days will make you want to relapse or head back toward your old ways.

Many people find themselves drinking excessively, especially in time of stress, upset, and anger. Below, we will go over some underlying problems that also reside in you because they simply coincide with your alcohol addiction.

  1. You Cannot Stop Drinking on Willpower Alone

While you may have the willpower to want to stop, willpower alone is not going to make you stop drinking. In fact, many people want to stop drinking, but they simply cannot. The only way to truly overcome the addiction is to find different ways to decrease the need or want to drink.

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5 Most Visited Temples In Bali, Indonesia

Bali’s mountains and coastal areas are home to various ancient temples. Some of them are mainly famous because of its historic structure and other beliefs. A tourist from all around the globe comes to visit these temples and experience inner peace. So whether you are seeing Bali via a backpacking tour or have decided to live-it-up in one of Bali’s swank hotels or a luxury Bali villa we are here to let you know some of the best temples of Bali.

Here, is the list of most visited temples:

  1. Tanah Lot

Situated in the West Bali, Tanah Lot is only 45 minutes’ drive from Kuta. It is famous due to its unique offshore setting and sunset on the backside in every evening. You must not miss this place if you are in Indonesia.

Visitors also can enjoy temple’s 5-day anniversary celebration every year where they can enjoy numbers of programs. If you are a nature lover and want to see the gigantic sea, be careful of large waves. The insurance is covered in the entrance ticket.

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Is Expensive Wine Worth It?

Wines and sparkling champagnes are some of the most coveted drinks on this planet. There are many manufacturers who produce some of the best wines that are created from some of the best grapes and are charged at exorbitant rates. But is there a direct correlation between high prices and better quality wine? In this section we have pondered about this dilemma and come up with the solution to this intriguing question.

 About Expensive Wines:

A thumb rule is that an expensive wine is tastier that a cheap wine. This rule is purely biased towards the marketing of that expensive wine and not depending on the actual quality of that wine. A wide study revealed that expensive wine is more enjoyed by the connoisseurs and cheap wine was more enjoyed by the lesser wine experts. A test was conducted among 6,000 random wine tasters which revealed that most of the non-connoisseurs liked the cheap wine than the expensive wines. This test also showed a negative correlation between good tasting wine and expensive wines.

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Rehab aftercare, use it!

rehab-aftercare

Many drug rehabs offer an aftercare program of some sort, usually a program that offers support of one kind or another to help you keep on track after rehab. Use these programs, if the opportunity presents itself. Keeping on track is as much about being strong within yourself as it is the support that you have around you – aftercare programs offer that support, and it really is priceless and has helped countless people when the real world gets hard.

Life is very hard at times, and having somewhere to go, or someone to talk to who will give you perspective is a proven method of being able to overcome triggers and stress that could lead to a relapse.

Aftercare programs differ and can offer everything from just being able to call someone to talk to when you need it, or you could be offered housing and support from others in a similar situation around you. Whatever you are offered, take advantage of it, and use it as a tool to help you stay sober, and build up a new life without addiction, but with support and possibilities.

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How Long do Botox Injections Last?

Before you even start Botox injections you will want to know how long they are going to last. After all, such treatment is not cheap and you want to get value for money and know what the ongoing cost is to be. In addition, you will want to organise your schedule so that you can have more done when necessary. The short answer to how long will they last is 2-6 months, or on average, 3-4 months.

However, much depends on the person and on their lifestyle. For instance, a person with strong facial muscles – usually, but not always, a man – will find the Botox injection does not last as long as someone with weaker muscles. Why is this? There are several reasons.

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10 tips to Buy Wine from a Store

Are you looking to purchase the right wine from an online wine store? There are many fake wines that you need to be vigilant about. You also need to know the exact wine you need to suit the occasion or the taste. In this section we have taken a list of some of the qualities you need to posses to choose a wine from a store.

Take a look around before you pick up a bottle. The wine in the market is many times not organized well and is segregated with a list of producers, manufacturers or place of import. Make sure you are looking the right place before you purchase a bottle.

It is not always necessary for good bottles of champagne to be branded in big bottles. This is usually the ones for frat boys or the cheaper wines. It is always found out that small bottles have some of the tastiest assorted sparkling wines.

If you are looking for something special wines for your dinner, you need to keep away the Chardonnay wines from your list. Most of the aisles are flooded with these wines which are not that great for a special occasion.

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Tourist Attractions In Indonesia That You Must See Before You Die

Indonesia is a country with wide cultural diversity, a great history, and a huge population. Indonesia will always fascinate you no matter what you do. Whether visiting on a budget or staying in a great Bali villa or even if you just sit in nature and experience the beauty of the country.

To list the ten must-see attractions in the country can be a very tough job as it is very hard to rate one destination above the other. With the natural and cultural diversity and the ancient history, Indonesia is in the abundance of tourist sites. But one cannot see each of them. Thereby, to make your job easier, here are the ten most popular and worth visiting sites in Indonesia.

  1. Bali

Many people rush to Bali thinking about the warm sand and the blue water, but this place is much more than that. Apart from beaches, it has a great number of cultural spots and landmarks that should be visited. Kuta is by far the best beach here, with the highest attraction. Nusa Dua can be an option for those wanting to visit a quieter beach. If you are there for the culture, you must visit Sanur.

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Staying Safe is as Important as Staying Healthy

Use Electricity Safely

Health is not always just about the absence of sickness and disease; it is also about staying safe and avoiding harm.  Most electricians have experienced times when they’ve been called to a home where the wiring was not in a safe condition through age or damage by pests such as rodents.  Wiring that is in the ceiling cavity is exposed to very high temperatures that help to degrade the covering. That makes it dangerous to your health as it can short out and start a fire.

The same thing can happen when mice or rats chew the wires, especially if they make a nest in the ceiling with bits of paper, dried grass or scraps of cloth, all of which can catch fire quickly from a spark.  If you live in an older home, it would be wise to have the electric wires in the ceiling checked out.  If they need replacing it is an almost sure bet that the wires in the walls will also be in a bad condition. These too, should be replaced.

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Karl Nawrot: Mind Walk #1

Please join us for the launch of ‘Mind Walk #1’, an exhibition by Seoul based artist and web designer Karl Nawrot.

The exhibition reveals Nawrot’s aesthetic sensibility as a curious union of the macabre and the childlike, offering an overview of his practice through a dense presentation of crude monochrome prints. These include representations of various simple models which in some cases exist as works in themselves: for example in an architectural structure derived from Le Corbusier’s Dom-ino House the minimal staircase is replaced by a cave.

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Bring Your Own Beamer

Vivid Projects’ acclaimed 33 REVOLUTIONS programme concludes this winter with Bring Your Own Beamer, a one-night event curated by Antonio Roberts and his digital agency.

Armed with projectors, an army of artists will beam their responses to the Revolutions call in Vivid Projects’ space.

Hailing from Birmingham and beyond, exhibiting artists include Antonio Roberts, Pete Ashton, Sam Alexander Mattacott, Dom Breadmore, chromatouch, Daniel Salisbury, David Checkley, Mark Murph, Natalie O’Keeffe, Ben Waddington, Tim Neath, amongst others.

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Art, Book & Print Fair

A celebration of the very best in independent publishing, this event will include speakers, panel discussions, workshops and a fair brought to you by Slinky Life. Volume is being produced by Capsule for the Library of Birmingham in collaboration with a number of Birmingham arts organisations, showcasing the wealth and breadth of publishing expertise in the region. Each organisation will produce a panel, contributing to some of the debates currently critical in the fields of publishing, bookmaking and writing.

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The Black Hole Club

Vivid Projects presents the Black Hole Club, a brand new ongoing programme to support artists and curators working with moving image, performance and sound.

We are looking for our first ten Black Hole Club members to begin working with us from February 2014.

The inaugural Black Hole Club will support its members to develop their practice through skills development, networking and presentation opportunities. Members will benefit from glass services, free access to Vivid Projects’ expansive canal-side space and facilities in Digbeth, and a tailored programme of screening and social events. Members will be expected to commit approximately 2 hours per week for meetings and sessions.

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