Author: Melissa Thompson

Why are Reverse Mortgages So Popular Today?

Retirement may be just around the corner, but you might not have enough money to make ends meet. Unfortunately, this has become a common concern for millions of Americans who are fast approaching retirement age. To make matters worse, we are living longer, more active lives. As such, you don’t need to plan for 10 years of retirement but for 20 or even 30 years. Enter the reverse mortgage. This is fast becoming one of the most popular retirement planning options and with good reason. For millions of Americans, their home is the most valuable asset they own. In addition, baby boomers have had to live through a period of tremendous volatility – remember the dot.com bust and the Great Recession. As such, it makes sense that they that are looking at reverse mortgages and here are some of the reasons why these loans are popular today. Reverse Mortgages are Become More Widely Accepted For years, these loans were looked down upon. But the pundits are starting to change their tune. Even the New York Times has begun to extol the benefits of reverse mortgages. Part of the reason for this change is that fact that many retirement planners see that for most seniors, their money is really tied up in one thing – their homes. Another reason for the change of heart is that the government has updated...

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From Features to Apps: The Evolution of Mobile Apps Tech

Information technology has come a long way, and it shows no signs of slowing down. Sometimes, one can’t help but wonder if there will come a day when all tech innovations will be exhausted with nothing left to be discovered. Well, no one can really tell what the future holds but for now it seems there are a lot of things waiting to be discovered. One area that has seen the tech evolution in a manner that historians explain the theory of human evolution is the development of mobile apps. In the year 1983, no one would expect the...

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How Addiction Affects Your Mind And Body

Addiction is a difficult thing to live with, for the people who are addicted to something and the people in the lives of those with addiction. Addiction is a brain disorder, and once a person becomes addicted they need the thing they are addicted to, sometimes in order to live. Therapy is the only real way to help relieve the pain and drive of addiction. Addiction, though, doesn’t just affect your mind. Addiction destroys the mind and the body. While it does depend on what your addiction is on how it will affect your body. All addiction can bring more stress into your life. Your Brain On Drugs Different drugs can do different things to your brain. Some of them can make you feel happy and even give you more energy, but they come with a crash that can put you into a deep depression. That crash is what makes you want to keep coming back for more. Even gambling and shopping can trigger those same feel good receptors that a drug like cocaine can, but you also experience that same down when the thrill wears off. That makes you want to keep spending, keep risking, until you have nothing left to give. Alcohol can have some other effects on your brain. If you drink in excess or binge drink you may pass out and lose time. Binge drinking...

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Four Tips For Planning Your Business Trip

Business trips are serious things where you need to do work while you are wishing you had time to explore and enjoy the scenery. It helps to make sure that you have a plan set in place, which will make your trip go that much smoother. You might even be able to fit in time for a meal at a popular restaurant or a stroll through a local museum. The key is to plan everything out, from what time you’ll step off the plane to what time you need to be back at the airport. Here are some things you should do before you head out on your business trip. They will ensure that you have a safe and productive trip. Get Your Vaccinations Start off by making sure you are up-to-date on your immunizations and vaccinations. Visit your doctor to make sure your health is good (you definitely don’t want to have a medical emergency on your flight because of high blood pressure). While you’re visiting your doctor, make sure you have refills on all of your prescription medications. Let them know where you are traveling to as well, as they may have some healthful suggestions for you. Make A List Of Items Make a list of everything that you need to take with you, from personal items to work stuff. Start with your hygiene items, makeup and...

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5 Industrial Trades To Get Into In the Coming Years

There’s a whole lot of talk right now about jobs. What jobs are coming in. What jobs are going out. How much money those jobs are going to be paying. How competitive the markets are going to be. But there are a few industrial trades that are going to be safe no matter what. So if you’re looking to approach your professional career in terms of learning a skill that will be applicable no matter what here soon, there are a few short lists to consider. Five in particular to keep in mind would be welding, robotics, renewable resource power, large-scale 3D printing, and processing miniaturization. They are definitely safe bets if you learn to do them well. Welding No matter what, understanding industrial welding is going to be a part of the future. There are going to be things that need building, and an experienced human with the right tools and troubleshooting techniques is going to be the one for those jobs. It may require a few hundred (if not thousand) hours of experience to become an expert, but once you hit that point, you’ll always be a needed member of building teams. Robotics The robotics industry is exploding right now, so if you jump into that trade, you’ll be set for life. And it doesn’t matter if you’re learning how to program robots, or build robotics parts,...

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Insuring Your Health And Wellness

Health and wellness are important if you want to live a long and active life. There are certain things that are required if you want to be healthy, which not only include taking care of yourself, but also visiting your doctor on a regular basis. Prevention and early detection are two things that can make a huge difference in your life when it does come to health issues. If you want to start on the road to better health and wellness, start with your doctor and your kitchen. Follow that up with increased physical activity and you’ll be feeling better about yourself in no time at all. Here are some tips. Getting Insurance Health insurance is one big leap toward better health and wellness. Regular visits to the doctor can add up, but paying your health insurance on a monthly basis in order to only pay a small fee at the doctor’s office, and even on medications, can add up to a great deal of savings (especially if your doctor does detect an illness or disease during one of your visits). Having insurance may also be the drive that you need in order to push you to get that yearly check-up as well. You have the insurance, you pay it, why not use it? Living Healthier While your regular doctor visits are one step toward living healthier, you also...

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Personal injury lawyer hits out at UK insurers

A leading UK personal injury law firm has hit out at comments by the UK insurance industry trade association after recent personal injury reforms announced by the government, would increase compensation payments. Manchester based no win no fee solicitors, Freeclaim Solicitors, criticised comments made by Huw Evans, director general of the Association of British Insurers’ (ABI) after he called the recent decision by the Ministry of Justice (MOJ) to lower the personal injury discount rate as “crazy.” Quentin Underhill, Head of Legal at Freeclaim Solicitors, said Mr Evans had failed to “recognise the decision was made for people whose lives will never be the same again.” “The personal injury discount rate has remained untouched since 2001, despite falling interest rates and investment returns, particularly since 2008. We are in an environment of low returns and personal injury compensation awards should reflect this. “Victims left with serious injuries after road traffic accidents and other serious life changing accidents, should now have a fair calculation so their compensation should look after them adequately as they get older. “Compensation claims are not purely about giving someone a sum of money to compensate them for their injuries; it goes much further than that. Compensation is also calculated to fund the much needed support, treatment and rehabilitation someone needs to live as independently as possible following a serious injury and make the best possible...

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Signing Contracts As A Freelancer

Whether you’re hiring someone to be a contract worker or freelancer for you or you are the freelancer, there are forms that may be involved. These forms are meant to protect both the worker and the business. As a worker, though, you need to make sure that you read contacts word for word before you sign your name on the dotted line. There are two main contracts, when it comes to contract work, that you will see (and sign) a lot of. It doesn’t matter if you’re a freelance writer, editor, or you work in data entry or answer phone and emails. The most common contracts you will see in the freelance world are the non-disclosure agreement and the actual work contract. Non-Disclosure Agreements Non-disclosure agreements are very common in freelance work, and you might even have to sign one as an employee in a company, depending on what the company does. Companies that have a trick to doing what they do, like a great white-hat link building plan, want to protect that plan, so they have you sign something saying you won’t talk about it. If you sign this agreement (or create one for someone you hire) it will have a certain amount of years on it post-employment that you (or your contract worker) needs to keep quiet the goings-on in said business. Yes, you won’t just have...

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5 Reasons Everyone Should Have Savings Put Aside

When it comes to life you can never be sure what sort of curveball you are going to get thrown on a day to day basis. Your financial life is certainly no exception. Being prepared for a variety of situations is important in order to be ready for anything that comes your way. Therefore, consider putting aside savings so that you can ensure that you are prepared. Being able to pay for things upfront rather than damaging your credit only to have to work hard to repair it afterwards is much less complicated. Here are some of the ways that savings can benefit your life. Unexpected Repairs You can never be sure when something will break down or need to be replaced. Life has a funny way of presenting these sorts of situations when you least expect them. Your car tire always pops on the way home from buying a new laptop. Or your tooth breaks in between insurance coverage. Having savings on hand means that you will be prepared when something goes wrong rather than having to scramble for solutions full of stress. Emergency Funds Emergencies are situations which require your attention immediately. Certain emergencies such as family members who fall ill can often require a last minute airline ticket. Having the cash on hand for something like this can be extremely reassuring. You can even start to...

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4 Most Common Causes For Debt

Going into debt is something that happens to most adults. Although there can be a variety of reasons, usually they tend to be results of the same common situations. Being in debt isn’t something that you should let overwhelm your life or make you feel shame. Studies show that over 60% of Americans are in debt. Here are some of the most common causes. Poor Money Management Unfortunately, in high school, they don’t teach money management courses or how to handle your debt. Therefore when money problems arise, many people don’t have the skill or know-how to be able...

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