Blog Blog Copyright by en Wed, 02 Dec 2020 23:37:56 -0500 How to Become More Self-Sufficient No one can dispute that we live in uncertain times!  We never know what will happen from one minute to the next, therefore it pays to be prepared for any disaster.  We can sit and worry about it, or we can take steps right now to become more self-sufficient.

What would happen if there was a tornado, hurricane or earthquake near you?  With no access to utilities?  Do you have enough water, food and supplies on hand to see your family through a difficult time?   What if our power was interrupted and we couldn’t take care of daily necessities?  Do you have a back-up power plan?  Do you have enough water for drinking, cooking or bathing?  Do you have a stocked food pantry?  These are tough questions that we have to ask ourselves. 

We see it time and again on the news.  People are left waiting for help and supplies to come that may not get there for days or longer.  People are even talking about how to survive without the mark of the beast – who knows?  Is it time?

Do you live where you could have a few chickens?  The eggs would surely be appreciated in an emergency.


The importance of water cannot be understated.  It’s required for life!  But, in the case of an emergency, would the water be clean and safe to use?  If you had to get water from a pond or creek, do you have a way to purify it before giving it to your children?  I encourage you to think about this and take necessary steps to take care of business.  It’s easy to stock up on bottled water. 

Drinking contaminated water causes many water-borne diseases.  Don’t take a chance on anyone contracting dysentery, typhoid fever, cholera or polio.  It’s just not worth it.


Although you can certainly live longer without food than water, I’ll bet your children (and even yourself) have a habit of wanting to eat a couple of times every day.   Cans of soup is inexpensive, and would be fairly easy to prepare even without electricity.  Stock up on a bag of powdered milk that could be used with cereal.  How about some instant oatmeal?   Think about the things your family would eat and stock them in your cabinet or pantry.  Do you have a vegetable garden?  Have you put away some of the harvest?


Does anyone in your family depend on prescription medication?  Ask your doctor to prescribe an extra bottle for emergencies.  Over-the-counter meds can easily be put into your emergency bag.   And, because people get hurt during emergencies, don’t forget to stock up on some band-aids, bandages, quick clot and antiseptic cleansers.  You might end up being the nurse to your whole family or even the neighborhood.


A few supplies that would come in handy during an emergency would be:

  • Flashlights and Batteries
  • Any Camping Equipment
  • Paracord
  • Blankets
  • Sleeping Bags
  • Personal Hygiene Items – especially female needs
  • Toilet Paper

Speaking of toilet paper, if your city sewer was unavailable, what would you use for a bathroom?  How would you dispose of waste?  This can be a major cause of disease, and it’s worth being prepared for.  If  you have a septic tank, then it would be much easier to handle this situation.  But, when a city sewer isn’t operable, the mess can back up into your home.  This is even more complex if you live in an apartment building where the plumbing  is inter-connected.  You might want to have something put away that you could use to plug up any open plumbing openings? 


Personal protection is another matter that bears consideration.  Emergencies seem to draw out the criminals and looters.  Think about ways that you could protect your home and family in an emergency situation. 

Take care and be safe!

Self Help Editor Sat, 07 Nov 2020 22:18:46 -0500
Vital Signs Indicating Your Home Needs Immediate Mold Testing When mold sets up shop in your home, it won’t only be compromising the physical structure but your health too. It is common knowledge that mold likes to grow in moist environments and can be in your home in as little as under 24 hours when there is water damage. Mold can be found on the food, carpet, wood, and just about anywhere in the house. The key to controlling mold is avoiding moisture at your home and addressing water damage restoration service on time. It is also important to identify the signs of having mold and in this article, we’re going to highlight some of them.

First Evidences Of Mold Occuring In Your House

Neglecting some first signs of mold in your house can lead to devastating consequences. People often take no notice of them due to unawareness, so we decided to gather all the important signs that will help you start fighting the problems at an early stage, thereby securing you and your family from undesired outcomes.

Water Damage

This perhaps the main sign of water damage in your home. Mold and moisture go hand in hand and without it, it can’t grow. When you experience water damage in your home, it is crucial that you’re acting fast so that you mitigate the chances of mold growth. The mold inspection and testing should be done by a professional and should never be a DIY job given how complex it can get. The first thing you’ll want to do is to get to the source of the water damage. This is because any remediation attempts will be futile if the source of water damage is not identified. When left unchecked, mold can grow really quickly.

Liquid Leaks

Always be aware of the leaks that you might be having in the home. There is no doubt that leaky faucets can be annoying but they also have the potential of causing a lot more harm. When left unattended, you could be facing mold and mildew growth. Mold will spread from the source to the air conditioning system therefore compromising the quality of air in the home. The plumbing system in the home is susceptible to leaks and should be inspected regularly to avoid problems down the line.

Level Of Humidity

Humid conditions provide the perfect climate for mold to grow. According to experts, indoor humidity should be kept below 60%. In addition to that, low humidity can also discourage the infestation of pests. One of the easiest ways of avoiding issues with humidity is by making sure that there are proper ventilation systems in place. The air ducts should also be kept clean to avoid blockages. You can invest in a portable humidifier for rooms that are not properly ventilated to avoid the buildup of moisture.

Strange Odor

This is also one of the signs that inspectors will look for if they suspect there is mold in your home or commercial complex. If there is a persistent musty odor in your home even after several attempts of cleaning, the problem could be the presence of mold. There is no denying that homes have their own distinct smells but it will be easy to know the difference when it comes to mold. Where there is a moldy or musty smell, it is a sign that something is amiss and that you should be getting in touch with mold remediation experts.

Visible Mold

This is one of the signs that will be hard to ignore as it will be visible. If you can see mold, you definitely have a problem, and getting in touch with an expert is mandatory. It could be a tiny area but it only takes a few days for it to spread to the rest of the house or building. When you see mold in your home, it will be time to call an expert.

Allergies and Other Health Issues

If you or other family members start experiencing health complications, the presence of mold shouldn’t be ruled out. Some of the common symptoms will include:

  • Cough
  • Throat irritation
  • Nasal and Sinus congestion
  • Respiratory problems
  • Sneezing

Getting the Right Mold Inspector

Did you know that there are over 100,000 species of mold? As much as the majority of them are not dangerous, it is still important that you’re getting in touch with a mold remediation expert immediately if you’ve encountered a mold problem. There are those that are tricky to detect and will be hard to get rid of. To be on the safe side, you’d want to work with an inspector that is experienced. You can know more about the experience of the contractor by looking at the number of years that they’ve been operational. Don’t be afraid to ask for references if something is not clear. A company with nothing to hide will be more than happy to provide references. It is also advisable that you’re working with a local company for better accountability and service delivery.

Home and Family Editor Wed, 14 Oct 2020 09:10:07 -0400
How to Harden Your Home Against Criminals Learn how to harden your home against criminals with easy, common-sense steps!  Living in uncertain times makes us more aware of hardening our homes to protect our families.   People that are retiring should be especially mindful of hardening their homes because they can be a bit more vulnerable than younger people.  Understandably, we feel secure with an alarm system – but think about it!  That alarm system doesn’t sound UNTIL SOMEONE IS ALREADY IN OUR HOME!  It’s a better idea to stop or slow down those criminals BEFORE they get inside your home. 

80% of burglars come in through doors and windows, so let’s explore ways to harden those spaces and make it so hard to get in that criminals move on to greener pastures.  It’s alarming to see statistics that show 60% of rapes happening during a home invasion. 

When you consider that many insurance companies will not pay for burglaries if forced entry can’t be proven.  Any amateur criminal can buy a set of bump keys for $20 and use them to get inside your house simply by unlocking the door and walking right in!  No forced entry!  The average burglary loss is $2,800, which can be steep without your insurance company paying the claim!

It’s a fact!  Most homes still have the original door hardware from when they were built.  This means that ‘builder-grade’ equipment, with screws less than 1” long and flimsy door facing is the only thing standing between you and a criminal intent on stealing what’s yours or harming your family!  This is insane – when the doors can easily be ‘hardened’ to stop or slow down a criminal from getting inside your home.

If you live in a condo, especially on the ground floor – window film is critical for your safety.  But, no matter which floor you live on, door security is a must!

What if you live in an isolated cabin?  It’s equally important to have as many levels of protection as you can get. 

Common-sense steps to Hardened Security:

  • Replace those ¾” screws in your door hinges and strike plate with much longer 3 ½” screws that will extend into the frame.
  • Install steel hardware and a Door Bull to harden the whole door and frame.
  • Install 8-mil window film on all vulnerable windows and glass door inserts.
  • Plant thorny shrubs outside low windows to discourage anyone from climbing in.
  • Lock all outbuildings to prevent someone either hiding or using your tools to break into the house.
  • Remove the manual release handle from the garage door to prevent thieves from getting into your garage.
  • Place a rod or piece of wood into the slider frame of patio doors so they can’t be opened from the outside.
  • Make sure all window locks are in good working order and place a vertical stick above the lower window into the frame so the window can’t be opened from the outside.
  • Be sure to close blinds or shades at night to prevent someone from looking inside.
  • Install motion detector lights in critical places around the outside of your house.
  • Depending on your budget, install either fake or real cameras in strategic places. Unless your burglar is a pro, they won’t be able to tell the difference in real or fake.
  • Don’t leave ladders lying outside that a criminal could use to get inside the house.
  • A guard dog is great – but could be eliminated by someone determined to get inside the house. A  small barking dog inside might be more effective to warn you…especially at night.
  • Don’t draw attention to your house by putting boxes from new electronic items out for the trash man. This only tells the criminal that you have something new inside! 
  • If you’re not comfortable with arming yourself, then have some bear or wasp spray readily available to defend yourself.


And finally, it’s a good idea to have a designated room where family members can gather in case of an emergency.  Since most interior doors are hollow, I would install a solid door on your ‘safe space’ and harden it just like I would the exterior doors.  This just might give you the precious few minutes to get to safety, and could save the lives of your loved ones.  Simple common sense will serve you well in protecting your home. 

Because I’m a Realtor in Branson, MO, I see too many homes that are not hardened or protected against criminals.  Don’t let your home be one of them!  Take steps right now to make sure you’re not a statistic.

Home and Family Editor Fri, 28 Aug 2020 22:57:53 -0400
How The Bail Bonds Process Works The aftermath of an arrest can be a difficult time. After you have been put in jail and your freedom is taken away from you, it is not uncommon to start brainstorming the next legal step to take, at least to regain your freedom.

If you are caught in the loop of this thought process, rest easy knowing that all hope is not lost, irrespective of the offenses for which you have been arrested.

Below are some of the important information you should be aware of if you or a loved one has been arrested.

What Happens After An Arrest Has Been Made?

For people who are getting arrested for the first time, the entirety of the process involved may come across as confusing. It is understandable that you may be feeling a lot of emotions in that instant and in most cases, you may have lost the mental capacity and preparedness to make the best decisions.

After an arrest, the arresting officer will book the offender and take them to jail. However, depending on the offense, the arrested person may not have to stay there if they can be bailed out. It is important that during this time, through processing and other related documentation, the arrested party should refrain from saying or doing things that may later be used as evidence against them or that may complicate the charges cited against them.

Officers, during the booking process, will request important information like the offender’s name, address, photograph, fingerprint, and also file paperwork containing the charges brought up against the defendant. The police will also take account of all the valuable items in the arrested person’s possession and take those items for safekeeping pending their release.

The arrested person is then arraigned before a judge after the booking process. Usually, the arraignment process should hold within a period of 24 hours. However, for arrests that were made over the weekend, the defendant will be made to wait until the official opening of the court on Monday to see a judge.

The arraignment process is when the court files charges against the offender, and a judge decides on the defendant’s bail application.

When Bail Comes Into The Equation

Bail is a legal way for defendants to regain their freedom while their case is pending in court. During the arraignment, the judge sitting on the case may deem it fit to grant bail, which is basically an exchange of money for the defendant’s freedom.

Bail is the amount of money that is required by the court to set a person free. If the person is unable to come up with the set amount, such a person is remanded in jail until their next court date.

There are different types of bails, and unless a judge specifically requests a cash bail, there are options that can be explored including;

Cash Bail

People who can afford the amount that has been set as bail can pay it directly to the court to secure their release. In most cases of cash bails, the defendant is expected to pay no less than 35% of the amount set according to the state’s laws.

For cash-only bail, the defendant, family, or friends are required to produce the amount in cash or they can pay using a secured credit or debit card in exchange for the release of the defendant.

However, cash bail bonds can be a problem, especially if the amount set by the judge is high due to factors like repeat offenses, flight risks, and more. Not to mention, why would a defendant want to put up the full bail amount when they have options to pay just a fraction of the amount with the use of a bail bonds provider?


Recognizance bail is one wherein the judge is satisfied with the standing of the defendant in the society and feels they will honor their court dates. This type of bail does not have a penalty attached to it other than the belief that the defendant is responsible enough to keep to their court dates. This is a rare one to achieve and happens most for first time offenders on small charges, or those who have no possible way of fleeing the area before their day in court.

Surety Bonds

Surety bonds are those bail bonds that can be secured with the help of bail bondsmen. The select bail bond agent will come up with the required 35% of the bail amount and the defendant and their loved ones are required to pay a percentage as a service fee to the bail agent.

The defendant is entitled to receive the 35% down payment made to the bail bonds agent in the aftermath of the case, however, the percentage service fee is non-refundable. For most bondsmen this service fee ranges from 3% up to 10% of the total bond amount.

What Can I Do If I Have Been Arrested?

When you have been arrested, it is important to try your best to keep a level head and attitude while you are going through processing and holding. Once you have been given a set bail by a judge or court magistrate, you may begin to seek the help of a bail bondsman and an attorney to help make sure that you are released from jail while awaiting trial and are able to build a firm legal case to support your standing.

Business and Law Editor Fri, 28 Aug 2020 09:05:49 -0400
How to Replace an Undermount Kitchen Sink Like other home design ideas, an undermount kitchen sink is pleasing to look at and makes a beautiful addition to all kitchen types. But though an undermount tub lasts long after installation, you may need to replace it for one or more reasons. In this article, you shall learn the steps to take when replacing your undermount kitchen sink.

Unlike a top mount kitchen sink, an undermount is tricky and hectic to install. A botched installation may end ruining your high quality countertop. You should also consider the weight of the sink and ensure the support is excellent during the installation. Here is a guide on how to replace your undermount kitchen sink.

Replacing an Undermount Kitchen Sink

Step 1: Remove the Existing Undermount Sink

If you are replacing your undermount sink, you need to remove the already existing sink. Use the right gadgets and equipment to unscrew and detach the sink from beneath the countertop. Be careful not to ruin the countertop in the process as it will make it hard to install another sink.

Step 2: Measure the Undermount Sink to install and the countertop's hole

Since there was another sink installed, it means that the countertop already has a hole where the sink settled. First, measure the countertop's hole and that of your sink to see if both match.

If the sink is larger than the hole's size, you need to cut it to fit the sink. But if the sink is smaller, then it may not work. The only solution is to get a tub with the exact size, or more significant where you get to increase the countertop's hole's size.

It is easier to measure the size of the existing sink to get a clue of the size you need to replace it. Also, measure its depth to avoid interfering with the space for its supporters stationed underneath.

Step 3: Install the Undermount Sink in the Countertop's Hole

When replacing your undermount kitchen sink, you may also opt to change the countertop. If that's the case, you need to first cut a hole in the new countertop to the size of the sink to install. Then flip over the countertop and install the sink while facing down. If using the installed countertop, install the right undermount kitchen sink from beneath.

For new countertops, consider your kitchen's water supply lines before cutting the hole to install the sink. Consider a countertop that works excellent with an undermount kitchen sink such as those made from stone and concrete. Countertops made using materials like laminate and wood may crack during the replacement of an undermount kitchen sink.

To get rim's width, use a pencil to trace the sink when flipped over. A sink's average is usually 0.95cm wide. Then from the first lines, make another outline. Then erase the first outline to avoid cutting it by mistake.

Some undermount kitchen sinks consist of cardboard templates. If yours has one, place the model on the countertop and trace the size. Remember, the outline should be smaller than the opening of the undermount sink. After installation, the sink's rim will rest against your countertop, and only the sink bowl will be visible. When cutting the countertop, use a jigsaw or circular jaw, and put on safety attire or gear like goggles and dust mask. Choose the saw based on the countertop's material.  A circular saw with a blade coated with a diamond will work out great with a stone countertop. A jigsaw is great for a laminate countertop.

If you don't have the right tools for cutting a countertop or have no idea how to do it, don't guess or use any device. Call a professional. Countertops are expensive, and it's not fun to have it destroyed. Use a drill to make holes to use with sink accessories like the faucet or soap dispenser. Also, consider a drill ideal for the countertop type. For example, masonry bit for the concrete or stone made countertop.

Step 4: Choose the Style of Your Undermount Kitchen Sink

The visibility level of the sink's rim after installation determines its style. Though it's essential for the look, it also affects its cleaning. Many people prefer not revealing the sink's lips for easier cleaning. In this style, the edges of the countertop get flushed with the opening of the tub. As a result, the sink looks professional and leaves no space for food particles or dirt to slip under the rims.

If you opt to reveal your rims, the sink will look great and improve the room's appearance, but you'll have a hard time cleaning under the sink's rim. A lot of dirt will hide and stick under the sides, and removing them is an uphill task. As a result, the dirt pills up, making the area filthy and prone to bacteria and germs. You may also not like the foul smell from such a place.

Step 5: Secure the Sink

Use stack boards to hold the undermount sink into position beneath the countertop. This stage is a bit tricky, but if you use the stack boards properly, it's not too difficult. Ensure the rims are well-aligned with the countertop's edges if installing a zero reveal style. If you want the lips revealed, ensure they rise over the countertop to the right height.

Then hold the sink to place by clamping it to the support and glue the studs. Use a reliable epoxy paste mixed with a hardener to stick the studs, which should not be over 25cm apart. Take silicone caulk and spread it around the countertop's cutout area. Ensure the caulk bed is over the sink's rim. Use a wingnut to tighten the studs and ensure no gaps between the countertop and sink. Then wipe out any caulk, glue, and dirt, and voila! You have replaced your undermount kitchen sink.


Replacing an undermount kitchen sink may be tricky, but if you use the above guide, it will be easy. Consider the type of countertop you're using while replacing your undermount kitchen sink for the best results. If you can't replace the tub yourself, seek assistance from a professional.

Home and Family Editor Mon, 03 Aug 2020 08:54:20 -0400
Best Formula 1 drivers ever

Formula 1 drivers are extremely hard to rank. The difference in machinery, era competitiveness and time context makes direct comparison impossible. But it's okay to split a selection of the best, each one working hard at different times in different ways to demonstrate the depth and variety of talent that past and present F1 drivers have embodied. From the dominance of Michael Schumacher to the sheer determination of Niki Lauda to succeed, these are the best drivers to have graced F1 in its history.

Best Formula 1 drivers

Michael Schumacher

He often polarizes sentiment, and there is no doubt that he has more often than not overstepped the mark. Speaking softly. Yet Michael Schumacher stays an all-time great, not only because he won seven world championships, 91 races and crushed every record to be crushed in there. Or that he maintained the Senna-like ability to drive his car right at the max, but still be physically fit and wise enough to keep a decent chunk of his mental firepower in reserve to handle tricky pit-wall calls.

He was also a character which was interesting and complex, more complicated than you would expect. And also, more human. "A champion's makeup is one of such inner self-belief that sometimes it turns out to be flaws," Martin Brundle told Top Gear recently. "Most of the sporting greats I've met drive forward themselves because they're always dissatisfied. But look at what Michael accomplished, how fast he accomplished it and what he accomplished in two different teams. Getting to F1 is so hard, staying in it, scoring podiums and winning races. And that guy earned 91 of them, some in one class.

Sir Jackie Stewart

All big sports accomplishments can be condensed into simple numbers, and no different from Jackie Stewart's. He won the drivers' championship three times in Formula One, and was a runner-up twice. But what's more impressive is his hit rate: he won 27 of the 99 grands prizes he contested. It would cement his place in this list in itself, but Stewart is another champion who used his popularity for so much more as a launch-pad. In his case, in challenging the woeful safety standards of motor racing, which at the time did not endear him to many fans and even fellow drivers. But then you talk to him about what he saw and what he lived through, as a number of times I was privileged to do.

Fernando Alonso

A former world champion and 32-GP winner, who might have won, say, maybe five times, if only the dice had dropped more favorably – and Alonso had opted on whom he raced and when a little more astute. He was probably only the third driver – after Niki Lauda and Michael Schumacher – to wield ample personality control over Scuderia Ferrari to convincingly construct the team around him when he joined them in 2010. "I respect him even more than Schumacher in that sense," Lauda once told me himself. "He's very smart. Ferrari wants a driver that they can look up to, someone who they admire.

Read more: MIMY Blog

Health, Fitness and Sports Editor Mon, 03 Aug 2020 08:39:49 -0400
Top 3 Towns near Branson MO with Spectacular Lake Views Branson MO is actually a small town with a population of 10,520 according to the 2010 census.  But, it’s also a tourist destination attracting eight million visitors each year.  It’s a stunningly beautiful area in the Ozarks with three gorgeous lakes and all the family fun and shopping that you can imagine.  It’s well-known for live music entertainment and rivals Broadway or Vegas for theatre seating.  There’s also no shortage of hiking and walking trails and with nearby Dogwood Canyon, it’s a nature lover’s paradise.  Branson is located very near to the Arkansas border. 

If you’re considering retiring to the Branson area, here are my top 3 towns near Branson MO with awe-inspiring lake views:

Hollister – Located just south of Branson, Hollister has a population of approximately 4,500 and sits on Lake Taneycomo.   This cold-water, trout-fishing lake connects Table Rock and Bull Shoals lakes.  It runs around Historic Downtown Branson at Branson Landing.  There are many homes for Sale on Lake Taneycomo.  You won’t find as many long-sweeping lake views, but the homes are convenient to Branson.  Average price homes in Hollister are in the low $200,000’s, with lakefront home averages being in the $400,000+ range.  Average price condos are low to mid $200,000’s. 

If you’re looking for a golf community, look no further than Branson Creek off Highway 65 in Hollister.   Beautiful scenic views, convenient to the Branson Airport and home to the Buffalo Ridge Springs Course.  Branson Creek offers luxury homes and condos. 

Forsyth –Travel east on Highway 76 from Branson, and you will arrive in Forsyth.  It’s the Taney County seat, located 12 miles northeast of Branson.  It’s home to over 2,500 people and sits on both Lake Taneycomo and Bull Shoals Lake.  Average price of homes in Forsyth is approximately $150,000.  Lakeview or Lakefront homes would be priced higher accordingly.  It’s easy to find acreage properties here if you want to have more space or homestead.  Forsyth offers small-town living near all the fun and excitement of Branson. 

Near to Forsyth is Rockaway Beach, a popular vacation town.  Kirbyville and Kissee Mills are also small nearby towns.  Kirbyville has a highly rated school system and attracts families with young children.  Kissee Mills offers homes with beautiful views of Bull Shoals Lake. 

Kimberling-City – Located on Highway 13 west of Branson.  Kimberling-City sits on the banks of spectacular Table Rock Lake in Stone County MO.  The population is a bit over 2,500 and near Branson West, Indian Point and Silver Dollar City.  Home prices average near $300,000 with lakefront homes priced accordingly.  You can find beautiful condos in this area for under $200,000. 

These are my favorite towns near Branson MO with spectacular lake views.  Branson West is also a wonderful community near Indian Point and Silver Dollar City.  It’s home to Ledgestone Country Club and Golf Course in Stonebridge.  Stonebridge offers cabins, investment vacation condos and luxury homes in a Gated Community. 

Take a scenic drive farther south on Highway 13, and you will find Lampe and Blue Eye, which have some of the most gorgeous lake views I’ve ever seen.  These are very small towns, but still near enough to Branson to retire and enjoy life to the fullest.

There are many small towns near Branson MO.  Springfield MO is 30 miles north of Branson on Highway 65.  Along this road, you will find Saddlebrook, which is an absolutely gorgeous area with many luxury acreage homes.  A few more miles north is Ozark, which is a larger town of about 20,000 people - between Branson and Springfield.  Travel north on Highway 13 and you’ll find Nixa, which is a lovely community about the same size as Ozark.  Both Ozark and Nixa are nearer to Springfield than Branson, but still close enough to enjoy all Branson has to offer. 

Real Estate Editor Mon, 18 May 2020 10:18:09 -0400
A Complete Guide and Care Profile for Senior Citizens behind the Wheel Senior citizens are found to be driving on the roads of the United States for quite a while now. With a recent survey, it has been made clear that every one in six drivers is an elderly person or as modern teens like to call them the “Boomers”.

Many car accident doctors who have dealt with accident cases of the elderly people recommend them to reduce driving a car by them. However, for most people, it might be impossible to do base on their living standards.

In this article, everything that you and your elderly loved ones needs to know about being behind the steering wheel at a certain age.

Statistics of Accidents by Older People

Data clearly indicates that driving gets increasingly dangerous with age. A recent survey for Senior Driving and Drivers revealed that around 14 million Americans have been involved in an automobile accident triggered by an older person in the preceding year.

The Centers for Disease Control and Prevention announced that about 712 elderly drivers were hospitalized and 19 plus people are killed in traffic crashes in the U.S. every day.

Causes of Difficulty in Driving With Age

It is important to know the symptoms that an elderly loved one is no longer able to operate a vehicle safely. The next stage is typically the worst, though: how to speak to the loved one about giving up the keys.

If you can obviously see the risk of having an old driver to keep driving behind the wheel, your elder loved one can fear the loss of independence, the freedom to socialize and commute as per their desire but most importantly, be a part of their society.

·      Weak Physical and Mental Health

Physical and mental disability can undermine driving strength and judgment. When you have concerns regarding someone's capacity to drive because of his or her health issues, check with their doctors, when possible, and discuss the topic of driving safety.

·      Eyesight Issues

Deterioration of vision is a natural result of aging, with slightly greater levels of visual loss of individuals 75 years of age and older. Even less light hits the eye when the body ages. Older people are often more vulnerable to cataracts, glaucoma, and other sight challenged disorders. Encourage your family member to get daily eye tests, and consult with the eye doctor if you get any questions and red signals.

·      Hearing Issues

Few individuals are aged without any loss of their hearing. In reality, one-third of those over 65 have hearing issues. The hearing impairment will develop slowly, without the individual knowing it, losing the ability to hear alarms, screeching cars, sirens, and other noises that should usually place anyone on a high alert. Make sure you have daily hearing checks on the person under your supervision.

·      Use of Medications

Many drugs can impair driving capacity by triggering fatigue, blurry vision, panic, tremor, or other side effects. Many medications used in conjunction can also interfere and trigger serious problems. When a loved one needs a lot of medication every single day, as many older people do, make sure to educate yourself on the medicines and their potential side effects.

Also, herbal remedies and over-the-counter prescriptions can impair driving capacity. Speak to the physicians and pharmacists of your family members and make sure to inquire about potential medication reactions.

How To Prevent Accidents And Ensure Driving Safety?

·      Keep Up To Date with the Doctors

Ensure sure the driver is up to speed on safety and vision checks. When you are worried that issues with health or vision can affect your driving skills, notify your doctor or eye doctor. Be clear about the signs you have encountered.

·      Driver Rehabilitation Specialists

If an aging driver is still healthy behind the wheel but his abilities may be strengthened, a few Certified Rehabilitation Specialist sessions will help him break poor habits and develop new skills. A CDRS can also suggest protective aids, such as special mirrors or adjustable foot pedals.

Alternative Transportation Options for seniors

When your aging loved one is no longer able to drive, it is possible that he or she may still require the following types of assistance: support from family carers, relatives or neighbors; Support from licensed carers; Transportation as part of a long-term care group or an adult day care facility. There are many options to get around, including:

    • Ride Sharing
    • Public Transportation

We will discuss them in details so you can choose which one is a better alternative for the aging driver:

·      Ride Sharing

Transportation is evolving quickly, not least as a consequence of the explosion of innovative ride-hailing apps such as Uber and Lyft. In a limited period, these easy facilities have been essential to traveling around towns.

To people who have trouble with new technologies and others who reside safely in supported communities, a number of programs have been introduced lately to support seniors and their families overcome some of these issues, including successful campaigns from business leaders Uber and Lyft.

·      Public Transport

Public transport is one of the most common ways to travel from one place to another. In developed cities, public transport options are wide and highly developed. People can book seats and rides in advance to avoid problems while most of the services also have the option of pre-booking.

However, public transport can sometimes be quite crowded and loud which might be disturbing for an elderly senior looking forward to a peaceful ride.


Car accident doctors have reported senior citizens to be one of the causes many road accidents happen and they claim that the presence of an old person behind a steering wheel is very dangerous. To make sure that your elderly person is safe and able to drive without any issues, you must consult with their doctors and examine their driving patterns.

If there are a distortion and disturbance in their driving, you can always take over or give them other alternatives like ride-sharing or public transport.

Health, Fitness and Sports Editor Mon, 20 Apr 2020 11:04:07 -0400
Helpful Ways to Budget as a Business Owner Being a business owner requires a lot of work and because many new companies fail within their first five years, you need to stay on budget to ensure that this doesn't happen to you. Unfortunately, it can sometimes be difficult to stick to a budget if you are trying to make ends meet. Your goal is to grow your company, but this can only be done when sticking to a specific budget that helps to increase revenue rather than work against it.

Create a Spreadsheet

Spreadsheets are a great way to keep track of expenditures and budgeting needs. They allow you to outline what you're spending in comparison to what you earn. Since it can be difficult to use a manual spreadsheet, you may want to use a simple budgeting spreadsheet online. This spreadsheet is effortless to use and can help you in outlining your revenue and expenditures every week, month or year. In doing so, you'll be able to stick to a budget that works for you.

Know Your Risks

Becoming a business owner is risky enough as it is, but you need to be aware of what could potentially ruin your company. Sure, you need to make changes to your company every once in a while to keep it fresh and to keep your customers wanting more. However, you need to be aware of risks that could potentially undermine your budget and cause a pause in revenue. By outlining your risks, you'll be less likely to do anything that could ruin your hard work and the foundation of your business.

Time is Money

Your time is money and in order to stick to a budget, it's crucial that you stop giving away services and products for free. It can be tempting to try to get a steady flow of clients in when first starting out, but you also need to worry about losing revenue as a result. If you spend time developing something or simply working with customers, you need to see something in return.

Pay Attention to Cycles

Every single business has cycles that you'll need to be aware of in order to plan and prepare for the financial future. For example, you might notice that your sales are a bit slow in the summer months and pick up in the winter. By understanding these trends, you're more able to stick to a budget that works for you in accordance to what your customers want. This will prevent you from losing a lot of money just because you're seeing a slump in sales.

Overestimate Your Expenses

It's always better for you to overestimate than it is for you to underestimate. Unfortunately, many businesses don't necessarily estimate their costs because they assume that they'll have enough money to pay everything. When you overestimate what you're going to owe, you will have more left over. This can help you to stay on budget easily and not have to worry about late fees and charges that are becoming a major issue for you and your business.

Business and Law Editor Sat, 21 Mar 2020 23:08:08 -0400
What are the best ways to wear a scarf for Men? Scarves refer to such accessories that you can wear in any form and it does not lose its charm. Cashmere scarves suppliers offer some of the best scarves for women as well as women. Of course, it is advisable to follow the rules of carrying a certain type, but if you come in for a business dinner wrap, a French knot, no one will say anything. Go directly to the methods:


Drap is the simplest way to tie a scarf. To do this, all you have to do is throw a scarf around your neck and just let your heads hang on both sides. This method favors people, have their own car, because this method is absolutely no protection against the cold, crash, say so, beauty. Very often this way of wearing a scarf is called spread. A scarf, draped around its neck, most should be paired with a jacket or business suit. It is inexpensive to transport wealthy people at a business meeting.

Bring that scarf in a different color from the rest of the outfit, otherwise it will only blend in and not produce the desired effect.


This method adds a touch of romance to the look. In order to perform this knot, you need to fold the scarf in half, throw it in the neck, after that, the two ends, hanging with one hand stretching between the resulting loops, on the other side.

This scarf is not only a stylish component, and provides protection from the wind, soa you can safely tie a knot during cold weather. This method also looks great with a jacket or trench coat, but especially good it looks like a leather jacket or black leather jackets. This option is better to dress for a date with a woman, or a friendly meeting.


The method is also definitely not difficult. In order to make a traditional one knot, you have to throw the scarf so, at one end, was a little longer than the other. Continue to take the head for so long and do one round around the neck. You can adjust the ends so they were smooth, or make them casually fall in different directions.

This method also helps protect your health during cold weather and is the most common way to tie a scarf. It is advisable to take longer scarf for this procedure, you can take at least, 30 cm scarf each side.

Such a style can be worn with a plain jacket or vest. It is not suitable for business meetings; this is more of an everyday option.


It is a slightly more complicated variation of the previous method. In this option, you have to do two rounds instead of one. Such a method is invented on a very cold day, however, he looks worse. Whenever you desire, you can tie the heads between them, it gives extra heat to the body, and you can also tie so, so ends up in the fall ass, whether to hide the heads between the layers of scarf.

English Creations Craze, the best Cashmere Scarves Suppliers, have a huge collection of scarves for women, men, and as well as for kids. You can buy kids scarves for your kids to make them look fashionable and modern.

Shopping Editor Wed, 11 Mar 2020 10:55:07 -0400
What to Do After an Uber Accident Contact the Police and Request That They Come to the Scene of the Accident to Investigate

You need to call the police. Even if someone else says they have already done it, you should still do it so you can ensure the accident is investigated and documented properly. When the police make it to the scene, tell them everything you know about how the accident happened and what has gone on since then. They should take the time to talk to all the drivers, all the passengers and any independent witnesses so they can determine who was at fault. Be sure you collect your own evidence, too, though. Take pictures of all the vehicles that were involved and all the people who were involved, as well as pictures of the scene that show where the accident took place and if there were any environmental factors that contributed to it. When the police are done with their investigation, they will write a report summarizing the investigation’s results. Ask them for a copy of their report and keep it for your records.

Get Insurance Information and Contact Information from Everyone Who Was Involved in the Accident

Obtaining every driver’s insurance information is extremely important for you to do. Without insurance information from all the drivers who were involved in the accident, you will not be able to make any claims for your injuries with their car insurance companies. In addition to the drivers’ insurance information, you should get names and contact information from any passengers who were in the other vehicles. Phone numbers or e-mail addresses should be sufficient if you need to get in touch with them later to see if they will give a written statement or provide oral testimony about what happened before, during and after the accident. If all else fails, take a look at the police report. Driver contact information, driver insurance information and witness contact information is usually documented there, so be sure to keep a copy of it with the rest of your accident-related documents.

Get Medical Treatment from a Professional As Soon After the Accident As You Can

Find a way to get to a nearby medical facility—whether you end up at an urgent-care center, a doctor’s office or a hospital’s emergency department—as soon as you can after the accident. You can take an ambulance or get a ride from someone you know. Just get yourself there in short order. Having a professional examine you and start treating you quickly will help keep your injuries from getting any worse than they already are. Getting an examination right away could also help you identify injuries you did not even realize you sustained. Your health should be your top priority at this point, so do not delay your treatment.

Document Everything and Keep All Your Documents Someplace Secure

When you file your claims against the parties who were responsible for causing the accident, you will need extensive evidence to back up the allegations you make. The responsible parties’ insurance companies will insist on knowing who the police determined caused the accident, whether there were any environmental factors that contributed to the accident, what specific injuries you suffered as a result of the accident, where you received medical treatment, what types of treatment you received, how much your treatment cost, whether you missed any work and what amount of earnings you lost if you did have to miss work. If you want to be able to prove all of this, be sure to keep copies of the police report, your medical records, your medical bills and documentation from your employer outlining your lost earnings if you were forced to miss any work due to your injuries.

Contact an Uber Accident Lawyer to Advise You of Your Rights and Represent Your Interests

You do not want to be forced to accept any insurance settlement that does not fully compensate you for your injuries. Finding an experienced Uber accident lawyer who knows how to determine your case’s fair value and knows how to persuade the insurance companies to compensate you appropriately could be what makes the difference between you being saddled with accident-related debt and being made financially whole. Insurance adjusters and defense attorneys frequently view claimants who do not have attorneys as easy marks who will be highly motivated to take the first settlement offer that comes their way, regardless of whether the offer is fair to them. Do not let them take advantage of you just so they can save some money. Contact an Uber accident lawyer to put yourself on the path to receiving maximum compensation for your injuries.

Business and Law Editor Tue, 25 Feb 2020 23:40:16 -0500
Know These Easy Steps to File GSTR 9 Returns for your Business Every taxpayer registered under GST is required to file an annual return via GSTR–9. This form is submitted by taxpayers to declare details regarding outward supply, inward supply, ITC, and GST payable for the previous financial year.

There are different types of GSTR-9 forms based on the annual turnover and registration type. The GSTR-9 due date is on or before 31st December.

The different types of GSTR–9 forms

The various GSTR-9 forms that taxpayers need to fill are –

GSTR–9 – Taxpayers who have to file forms GSTR-1 and GSTR–3B must also submit this form.

GSTR-9 application process

Follow the steps mentioned below to file annual returns via GSTR-9 online –

  • Log in to the GST portal and click on “Annual Return”.
  • Download the summaries of GSTR-9, GSTR-1 and GSTR-3B. These summaries will tell you about the details you need to provide under various sections of GSTR-9.
  • Fill in the various sections of the form with required details. It should be done meticulously.
  • Preview the GSTR-9 form in either PDF or excel format to check for any errors before final submission.
  • After calculating liabilities, late fees and making payment for the same, you can proceed to file GSTR–9.

Who should file GSTR-9?

GSTR-9 needs to be filed by the following taxpayers –

  1. A regular taxpayer who is registered under GST. It also includes SEZ (special economic zone) units and developers.
  2. Taxpayers registered under composition scheme are not required to file GSTR-9. Nonetheless, a taxpayer who opted out of this scheme in the middle of the financial year and is registered under GST has to file GSTR-9.
  3. If a taxpayer has transitioned from VAT to GST in the first year of GST implementation, then he or she should file under GSTR-9.

GST was introduced in India to simplify the taxation process. This step has primarily benefited the MSME or micro, small and medium enterprises. It is because they are required to go through less paperwork. The introduction of the online GST portal has also simplified the taxation process since all tax-related payment can be made online in a hassle-free manner.

GSTR–9A – Taxpayers registered under composition scheme are required to submit this form. This scheme can be availed by any small business owners whose annual turnover is or up to Rs.1.5 crore.

Moreover, taxpayers follow relaxed compliance in case of maintaining books of records, returns etc. Under this scheme, small and medium enterprises pay tax at a reduced rate. For instance, manufacturers and traders of goods pay GST at a flat rate of 1.0%.

A business wishing to pay tax under composition scheme should file a GST CMP-02 with the government by logging into the online GST portal.

GSTR-9C – Registered taxpayers whose annual turnover exceeds Rs.2 crore during the financial year must submit this form. They should also have their GSTR-9C prepared and certified by a chartered accountant or cost accountant.

This form is a reconciliation statement that reports any difference in –

  1. Information submitted in the annual returns forms GSTR-9 for a financial year.
  2. Information provided in the audited annual financial statements by the taxpayer.

Filing GST returns are essential as non-compliance will attract penalties. Additionally, businesses GST returns diligently will be able to avail financing quickly.

NBFCs like Bajaj Finserv offer Business Loans of up to Rs.30 lakh to small firms to expand their operations, increase working capital, etc.

Bajaj Finserv also brings forth pre-approved offers that make the process of availing finance hassle-free and quick.

Learning the steps to file your GST return online helps taxpayers pay their liabilities more comfortably. Knowing about all the steps will ensure that you commit no errors during the application process. It is crucial since mistakes cannot be rectified after completing the filing process.

Business and Law Editor Mon, 24 Feb 2020 02:59:22 -0500
How to Write Career Objective for Resume as a Fresher As a fresher, when you initiate the job hunting process the very first step to undertake is building a strong resume. Since you lack experience, your resume should highlight your field, career goals and the skills you possess, especially the ones that make you perfect for the job you are seeking. The career objective in a resume summarizes all of this. It is that element of a resume that a recruiter will read right after reading a candidate's name. Therefore, it is crucial to write a strong and eye-catching career objective for a resume for freshers. 

The main goal of a Career objective is to pitch you as the perfect candidate to the recruiters. Apart from your skills and career goals, you can also include your internship experience in a career objective. Showing an internship in the relevant field or department will improve your chance to stand out. Do not assume that as a fresher it is not possible to write an impressive eye-catching career objective. There are many ways to write a creative career objective. 

Tips on Writing a Career Objective for Resume for Freshers

  • Keep It Simple: A career objective is typically 2-3 lines long, so remember to not overdo it. Keep it simple. There is nothing worse than a cluttered, overcrowded and messy resume. Use the space of your resume wisely and pack your career objective with your best bits. 
  • Straightforward: A recruiter can easily tell when a candidate is trying too hard to be someone they are not. Do not let your career objective give that first impression. Be honest and straightforward without bragging or sugarcoating any information. 
  • Match The Profile: It is possible for you to be interested in more than one job role. Make sure to write a career objective that matches the profile you are going to interview for. Do not use the same career objective for different job roles. This is because it is not possible that the same skills or goals will match all the job requirements.
  • SkillSet: Remember to mention the skills that make you perfect for the job. However, at the same time do not overdo it. Make sure to include only the best and relevant parts. Do not add unnecessary skills that have no context in terms of the role you are interviewing for. 
  • Trait: Try to start your career objective with a trait about yourself. This will not only provide structure to your career objective but also make it eye-catching. Just remember to add a relevant trait. For example, responsible, innovative, passionate, creative, etc. 
  • Certifications: If you have done any relevant certification courses that can make you a strong candidate for the job, make sure to include that in your career objective. For example, "A certified Digital Marketing expert".

Examples of Career Objectives for Resume for Freshers

Career Objective for Marketing

  • A hardworking marketing graduate seeking to attain the position of an executive in a reputed company where I can utilize my creativity and excellent communication skills to expand their clientele and assist in achieving organizational goals.
  • A certified marketing expert with a six-month internship experience at [company name]. Excellent knowledge of marketing principles and a deep understanding of online marketing with the ability to boost organic traffic. Seeking a role that will help me exercise my skills and grow further. 

Find complete list of Marketing Jobs in India

Career Objective for Finance

  • Recent graduate in Finance with a passion for numbers seeking an entry-level position in an esteemed organization in the finance field to enhance my skills of financial planning and reporting and serve as an asset to the organization.
  • A talented individual with internship experience in the relevant field looking for the position of a Financial Analyst in an esteemed organization. Self-motivated with proficient analytical and quantitative skills and the ability to improve a company's finances. 

Career Objective for HR

  • Highly motivated college graduate seeking an entry-level HR executive position at an organization that allows me to utilize my skills and knowledge as well as gain practical experience in my field. 
  • Seeking an HR executive role at an esteemed organization that allows me to utilize my communication as well as interviewing and problem-solving skills to help them expand their business.

Career Objective for Engineers

  • Highly technical and analytical software engineer with a six-month internship.experience and proficiency in programming languages. Looking to work in a challenging start-up environment that helps me learn and grow every step of the way. 
  • Seeking an entry-level position in the field of civil engineering which will help me utilize my internship experience as well as university knowledge to build and work at a project from start to finish.

Career Objective for Travel Consultant

  • A college graduate in Travel and Tourism, seeking the role of a junior travel consultant in a reputed travel agency that offers a challenging environment with constant learning opportunities. 
  • A Travel and Tourism graduate with a deep understanding of client relations and curating budget packages. Looking for a challenging role in the tourism industry that helps me put my skills to use. 

Career Objective for Graphic Designer

  • Seeking the role of a Junior Graphic Designer in an esteemed organization that helps me utilize my creativity as well as visual arts skills to optimum use. Proficient at creating illustrations and design layouts.
  • Diploma in Graphic Designing, looking to build a career in graphic designing with an agency that provides a creative yet challenging work environment. The ability to translate ideas as well as thoughts into designs. 

Find complete list of Graphic Designing Jobs in India

Career Objective for Teacher

  • A self-motivated individual seeking the position of a Science teacher to share my knowledge and passion with the students as well as help them develop a knowledge base in the same. B.Ed from [University Name].
  • A graduate in Education, looking for the role of a school teacher in economics and maths. Holds a deep passion for teaching, with an excellent academic background as well as great communication skills. 

Career Objective for Sales

  • Internship experience of six-months in Sales, recent graduate seeking to secure a position as a Junior Sales Executive. Excellent relationship and networking skills with good communication skills wanting to work in a fast-paced environment with a reputed company. 
  • MBA in Marketing seeking to work at a product agency as a sales professional with deep knowledge and understanding of how to generate leads and increase business revenue.

Writing a career objective for resume for a fresher might seem difficult at first, however, despite the lack of experience, there is so much content that can be packed within 50-100 words. Just remember to be honest and precise about what you are putting out there. Your career objective is your USP. It will sell you as a candidate to the recruiter. The recruiter will only give it one look, so make it count!

About the Author – Washija Kazim

Washija is a content specialist at Receptix. She has an MBA in Tourism and a passion for creating web content. She is an avid reader, a traveler, and a versatile writer. She has been writing on the topics of education, career advice, and related areas for the past 3 years.

Business and Law Editor Fri, 31 Jan 2020 07:48:49 -0500
Best Places to Live in South Florida

South Florida is a great place to call home. Of course, there are many different areas in South Florida that you might consider moving to. There are cities in South Florida that are perfect for certain types of people. Whether you’re a young couple or a family with a few kids looking for somewhere warm to live, South Florida has plenty of options. Take a look at some of the best places to live in South Florida. 

For Young Couples 

If you’re a young couple wanting to live in South Florida, here are a few areas you should check out. You might be looking for a city that offers plenty of activities to partake in on the weekends. You might also be looking for a city that other people your age call home. These cities in South Florida meet those specifications. 


Most of the people living in Miami prefer their urban lifestyle. Many of Miami’s residents are young professionals who rent. In Miami, there are lots of bars, coffee shops, and shopping areas to explore. 

Ft. Lauderdale

Ft. Lauderdale is a city that’s packed with bars, coffee shops, and restaurants. It has an urban feel but isn’t a huge city. In Ft. Lauderdale, you can enjoy living in the city while being close enough to head to the ocean. 

Delray Beach

Delray Beach is located close to the beach so you can spend your days in the sun. There are also lots of outdoor activities to enjoy. If you’re into the social scene, check out the bars, restaurants, coffee shops, and more in the area. Lots of young professionals live in Delray Beach. 

For Families 

If you are moving to South Florida with your family, these are some of the best cities to consider. When you’re moving to a new city with your family, you are probably thinking about safety, schools, and activities your children can take part in. Weston, Boca Raton, and Port St. Lucie all have a lot to offer. 


Weston is the perfect suburb to raise a family in. It’s a safe and secure city that’s family-oriented. There are lots of parks to visit. The schools are top-rated, and there is a low crime rate. 

Boca Raton

Boca Raton is another good place to raise a family. There are highly rated public schools in the area. There are lots of activities for children to enjoy, including museums, outdoor play, and more. 

Port St. Lucie

Port St. Lucie is more rural than the other cities in South Florida. It has lots of outdoor activities for families to enjoy. There isn’t nightlife, which means you can feel safer in the area. 

Why Florida 

There are lots of reasons that people love living in Florida. It’s a great place to live and has plenty to offer its residents. Here are some of the top reasons to live in Florida. 

  1. The weather. Florida’s weather is one of the most popular reasons that people make the move. Even though the summers can be pretty hot, the mild winters make the high temperatures worth it. Plus, it’s almost always sunny. 

  2. No state income tax. Another major draw is that there is no state income tax in Florida. Other taxes in Florida are lower than they are elsewhere. This is a great way to save money. 

  3. Sports teams. Florida has a total of ten professional sports teams. If you’re into sports, you can catch a live game almost any time you’d like to. The list includes the Miami Dolphins, the Tampa Bay Rays, the Orlando Magic, and more. 

  4. Amusement parks. Though places like Disney World and Universal Studios might have a lot of tourists, you can still enjoy them. If you visit in the off-season, you can explore the parks with fewer crowds. 

  5. Fresh seafood. Living near the coast means that you get the freshest seafood on your plate. Seafood is caught from both the Gulf and the Atlantic, giving you a great selection to choose from. 

  6. Beaches. In Florida, you can soak up the sun on any of the state’s gorgeous beaches. With the warm weather, you will get plenty of beach days. Some of the top beaches include Palm Beach, South Beach, and Delray Beach. 

It’s a Place to Start and Finish 

Whether you’re just starting your adult life or looking to wind down, South Florida has got a place for both of those. Consider these cities when thinking about moving to a new place. 

Travel Editor Tue, 21 Jan 2020 22:15:34 -0500
Is CBD Oil Safe and Effective?

CBD oil is very popular right now. CBD oil is made by extracting cannabidiol from the cannabis plant and diluting it in carrier oil, often coconut or hemp seed oil. As marijuana and marijuana-related products are becoming legal and more socially acceptable, CBD oil is becoming more popular and affordable.

But is CBD oil safe? Is it effective?

Let’s take a look.

CBD oil does have possible side effects. These include:

  • Dry mouth
  • Reduced appetite
  • Fatigue
  • Drowsiness
  • Diarrhea
  • Increase in liver enzymes
  • It can also interact negatively with certain medications.

Overall, CBD oil is quite safe and is not addictive. Most of the possible side effects are quite mild.

There are a couple of possible serious consequences, too. All of the possible drug interactions haven’t been tested yet, but anti-seizure medication and blood thinners shouldn’t be combined with CBD oil. CBD oil can also raise liver enzymes, which suggests the possibility that the liver is being stressed.

As with any medicinal product, it would be wise to consult with your physician before using it.

There have been several benefits tied to CBD oil use:

  • Chemotherapy. CBD oil can reduce nausea, vomiting, and pain in those receiving chemotherapy treatment.
    • Many people with cancer claim the treatment is worse than the cancer itself. CBD oil can make the cure for cancer a lot more tolerable.
  • Pain relief. Records show that marijuana has been used to treat pain for nearly 5,000 years. CBD is one of the primary components of marijuana that soothes pain.
    • CBD oil has been found to reduce pain in several studies. Given that many traditional pain medications have many negative side effects and are addictive, CBD oil is very attractive for treating chronic pain.
  • Hypertension. One study showed that CBD oil lowers blood pressure and may reduce the likelihood of stroke and heart attack.
  • Anxiety relief. CBD oil has been found to be effective in treating anxiety. This is great news, because CBD oil isn’t addictive.
    • Many anxiety medications are addictive and often produce undesirable side effects, such as insomnia, agitation, drowsiness, and sexual dysfunction.
  • Acne reduction. The anti-inflammatory effects of CBD oil are believed to be responsible for the reduction of acne in regular consumers of CBD oil. It’s also believed that CBD oil reduces sebum production.
  • Diabetes and cancer. Studies in animals suggest that CBD oil could be effective in treating and preventing both cancer and diabetes. This benefit, however, is still being researched.
    • Tumors grow more slowly, and cancer spreads throughout the body more slowly in rats that are given CBD oil.
    • CBD oil also reduces the incidence of diabetes in rats by over 50% when CBD oil is ingested.

You might be concerned that CBD oil might get you high since it’s a marijuana-related product. The short answer is “no,” it will not. CBD oil contains cannabidiol, but not THC. THC is the compound that produces the “high” in marijuana. In fact, CBD oil products are illegal in many states if they contain even trace amounts of THC.

One of the issues with CBD oil is dosing and consistency. CBD oil production is largely unregulated. One manufacturer’s product might have significantly more or less CBD than another’s. A product from the same CBD manufacturer might have consistency issues from one batch to the next.

If you decide to use CBD oil, consider the source before you purchase.

CBD oil has a lot of benefits and provides a minimal amount of risk for most people. It’s important to do the necessary research and talk to your physician. CBD oil might be a great choice for you but be sure to make a well-informed decision.

Health, Fitness and Sports Editor Fri, 10 Jan 2020 10:47:24 -0500
What is a VPN service and why do you need one these days?

Once you start using a VPN, it's like agreeing to the terms and conditions of taking all your online activities at a whole different level.

Without exaggeration, VPN technology is one of the most useful and user-friendly online tools. No wonder why it became so popular.

Before discussing why it's important to have a VPN installed on your device, let's focus on what is the VPN and how it can enhance your online experience.

So, without wasting any more time...

What is a VPN?

A VPN stands for Virtual Private Network, and this hype technology does exactly what its name suggests. So, by enabling a VPN connection on your device (no matter if we talk about PCs, laptops, smartphones, routers, or smart TVs), you are creating a private scope of communication between your device and the frightful World Wide Web. Therefore, anytime you will try to access a website on the Internet, the VPN will take care of your request by redirecting all your traffic through a VPN server. The private side of your connection is granted by the encryption that the VPN brings to your connection.

Therefore, it's super easy to say that the VPN not only acts as an imaginary bridge for your data, but it's also protecting you, if you are concerned about the privacy of your online data.

How does a VPN work?

The VPN technology is pretty complex, but this thing shouldn't scare you away, as there are VPN providers who make things pretty easy for VPN users. Before getting to that subject, let's understand how does the VPN work.

So, for a secure VPN connection, there are 3 major components involved: the VPN server, the encryption standard, and the VPN protocol.

Anytime a VPN connection is enabled, the user connects to the VPN server. This component, helped by the encryption standard will encrypt your traffic, which will be then guided by the VPN protocol to its destination on the web.

Why do you need a VPN in 2019?

The online world became more and more challenging. The VPN came as a saving solution for all the responsible internet users who are aware of this thing. If you're not using a VPN at the moment, but you're preoccupied about what happens with your online data, here's why you need a VPN:

  • Protect yourself on public WiFi. We all have at least one device connected to the internet. The best example is our smartphone. This compact device carries the most important and personal information about us. Anytime you connect to a public WiFi, you are automatically exposed to a series of online dangers like hackers, man-in-the-middle attacks, fake WiFi hotspots, viruses, and so on. As you cannot be sure what hides behind a public WiFi, you need to stay cautious and use a VPN to encrypt your traffic and secure your data.
  • Change your IP address. Your IP address is like that friend you cannot trust. Once you connect to the Internet, your IP address leaks a series of important information about you. Anytime you connect to a VPN server, you are automatically assigned a new IP address corresponding to the VPN server you choose for your connection. What does this mean? That all the traffic generated from that point on, cannot be associated with you. Therefore, the VPN will help you surf in complete anonymity.
  • Encrypt your traffic. Encrypting your traffic it's mandatory, especially if you're interested in keeping your online activities private in relation to your ISP or any other curious 3rd party. Data encryption is accomplished in a really simple way, just by successfully connecting to the VPN server. Keep in mind that, just like any other software, VPNs may have their flaws too. So, to be sure that you have successfully enabled the VPN connection, test your VPN before surfing the web.
  • Bypass geo-restrictions. Internet censorship is taking the internet by storm and the notion of an open internet no longer exists. The VPN is super helpful if you're interested in bypassing internet censorship and enjoying the internet without restrictions.
  • Access blocked websites. I don't know if you're aware, but social media websites like Facebook and Twitter, or services like Skype and Whatsapp are blocked in certain countries around the world. The same situation happens with media streaming services like BBC iPlayer, Netflix, or Pandora. With the help of a VPN, you can enjoy an awesome online experience, as it's able to change your IP address, allowing you to successfully access blocked websites, wherever you are in the world.
  • Secure your torrenting activities. Downloading torrents it's not illegal, as long as you don't download or share copyrighted content. To download torrents like a pro, a VPN is recommended, as it helps you ensure your online security.
  • Avoid bandwidth throttling. If you're a heavy streamer or torrenter, your ISP may ban you, by throttling your connection. As the VPN keeps your online activities private, it will help you hide this secret from your ISP.

How to use a VPN service?

The VPN market is stuffed with VPN providers. Therefore, getting a VPN shouldn't be such a hard task to accomplish. Still, free VPNs are not an option if you're truly preoccupied with your online safety.

Once you've decided to subscribe to a reputable VPN service, you will need to decide how you want to use your new subscription.

There are plenty of options available:

  • Get the VPN app for your OS and enable the VPN with just a click.
  • Manually configure the VPN connection on your device.
  • Manually configure the VPN connection on your router.

As nobody has the time to swing between servers and protocols manually, the recommended approach would be to get the VPN app compatible with your device.

A VPN app is an automated software that integrates all the VPN components. So, with just a click on a button, your VPN connection will be enabled.

Online privacy, security, and anonymity in your control.

The VPN clearly enhances the way you surf the web. And, no, you don't have to be paranoid to care about your online security and what happens to your online data, as soon as you connect to the internet.

The Internet's evolution teaches us that we need to keep an open mind, be flexible, and ready to adapt to the latest digital trends.

Actually, the VPN is not a trend, the VPN is clearly a must!

Computers and Technology Editor Fri, 13 Dec 2019 03:36:04 -0500
Steps to Take After a Truck Accident Getting into any type of road accident is always a scary, overwhelming and stressful situation. However, if you are involved in an accident with a huge truck, it can be even worse due to the massive size and weight of the vehicle. People involved in such accidents frequently suffer severe injuries that may be catastrophic in nature, while others may even sadly be killed. However, if you are physically able to manage it, you must keep your wits about you and take certain steps to ensure that the party who is at fault for the accident is held responsible. It’s important to be diligent and take these steps after being involved in a truck accident.

Get Medical Attention

Above all else, you must make sure to get immediate medical attention after getting into an accident with a huge truck. Even if you feel as though you are not injured, this might be an illusion as adrenaline frequently runs high after a road accident. As a result, you might not immediately realize that you have, in fact, sustained injuries. You will want to get checked out just in case you may have some unforeseen injuries such as those that are internal. Secure medical attention for other people involved in the accident as well. Acting quickly can help to prevent injuries from getting worse and can even help to save lives.

Call 911

You should also call 911 to summon the police to the scene of the truck accident. Doing so ensures that the police can assess the scene, get evidence and make a report of the accident. This is especially important if you have sustained an injury and your car has been damaged and you plan on filing a personal injury claim. It is good documentation that you can use as part of the evidence to back up your claim.

Remain at the Accident Scene

You should also remain at the scene of the accident after the crash, at least until the police arrive. If you leave, you face the risk of possibly being charged with a hit and run even if you know the accident was not your fault. At the same time, you should make sure to stay clear of the roadway to avoid any additional potential disasters. If your car cannot be moved, step out and get to the side of the road while waiting for the police.

Document the Scene

You will also want to document the scene of the accident. This means that you should snap as many pictures of the damage and the road as possible. Focus on the vehicles involved, the skid marks on the road and anything else that is notable and relevant to the truck accident. You may also want to take down some notes of the events that led to the accident. Generally, anything that securely documents the scene can be helpful when you are planning to file a personal injury claim.

Contact an Attorney

You should also contact a personal injury attorney who is skilled in the area of truck accidents as soon as possible. A truck accident lawyer has the knowledge and experience necessary to effectively handle your claim and get the ball rolling so you can get the compensation you deserve for your medical expenses, any ongoing treatment, lost wages, car repairs and more.

Establishing Liability

In an accident involving two cars and two drivers, establishing liability is fairly straightforward. However, when the accident involves a commercial truck, things may not be so simple. Depending on the factors of the case and what specifically led to the accident even occurring, your attorney will have to establish exactly who is liable. If the truck driver was negligent, it means they breached a duty of care. For example, if a witness noticed that the trucker was texting while behind the wheel, this is a sure indication that he was distracted and therefore, negligent.

However, there are other situations that may point to someone other than the truck driver being responsible for the accident. If the truck was improperly maintained or the cargo was inadequately secured, leading debris coming loose on the road and leading to an accident, the trucking company can be held legally liable. In addition, the trucking company may even be held liable if the truck driver behaved negligently. For example, if the company did not provide sufficient training to the driver, you can file your personal injury claim against it.

Business and Law Editor Thu, 05 Dec 2019 22:17:58 -0500
Tips on How to Stay Secure While Connecting to Public WiFi Networks

Internet development and evolution are happening right now, as you read this article.

Besides the improvements performed to the hundreds of thousands of invisible networks existing on the internet, new articles, researches, and studies are pushed on the internet daily, a fact that will help you find more relevant answers to your question.

Hand in hand with the Internet's evolution, the number of cyberattacks and online criminal activities faces an alarming increase.

Internet users may face such online threats while connecting to public and unprotected Wi-Fi networks.

If you're curious about how to protect yourself while going online, stay with me, and learn how to upgrade your online routine.

Why do you need to protect yourself on public WiFi?

Can you imagine traveling without being able to access Google Maps? Or can you imagine working remote for a month or two without being able to chat with your family on Skype?

The Internet has an important role in our lives, as we tend to be online and connected to the World Wide Web every minute. Therefore, this behavior can put us in front of many online dangers, especially if we choose to connect to public Wi-Fi networks in pubs, hotels, or airports.

As a quarter of all the WiFi hotspots around the world use no encryption at all, your online security, anonymity, and privacy are put at risk.

Besides the mighty hackers who may steal your personal data, there are other types of threats that you can face like man-in-the-middle attacks, malware, or even end-up using a fake network.

Data encryption has a crucial impact on anything you do online, so you must keep in mind that on the internet, you need to better be safe than sorry.

How to stay safe while connecting to public Wi-Fi networks?

Even if our advice would be NOT to connect to public hotspots, we all know that this thing is impossible. So, here are a few things that you can do to avoid an unpleasant online situation:

Verify the network and Turn off file sharing.

Remember to doublecheck what network you're about to choose. For this, take a closer look at the network's name and, if possible, ask a person working in the place you're at if the hotspot is legitimate. Another thing that you should keep in mind is to turn off the file-sharing option on your device, as this is an easy task anyone can perform from the control panel.

Connect only to HTTPS websites.

HTTPS is HTTP's baby and is the secured version of this communication protocol. The S stands for Secure and is put there to let users know that this version of HTTP is encrypted. So, if you use HTTP instead of HTTPS, any skilled hacker may see anything you do online, while connected to an unsecured public WiFi network.

Use a VPN.

VPN technology is one of the most useful tools that provides you protection over public networks. In super-easy terms, we can say that a VPN is an improved version of a hide IP tool. The most important extra thing that a VPN provides is the military-grade encryption granted by the encryption standard used.

As the VPN connection is super easy to be enabled via a VPN app, you will just need to remember to open the app and click a connect button before connecting to the public WiFi network. However, keep in mind that the VPN connection may fail, so make sure to test your VPN to rest assured that everything works smoothly.

Use an Antivirus.

Just like a VPN, the antivirus is another application that does its job, making sure that you won't download and install any malicious document that may put your digital security at risk.

Enable your Firewall.

As its name suggests, the firewall stands like a protective wall between your device and the digital world, actively monitoring all the data that is sent and received. Even if the Firewall won't grant you complete protection, it does a great job of preventing unauthorized external access to your system. Therefore, as soon as the firewall detects malicious data packets, it will automatically block that specific data, keeping your connection secured.

Avoid connecting to your personal accounts.

Even if a public Wi-Fi network may seem secure, you always need to stay suspicious. Be a responsible internet user and do not access your personal bank accounts or other accounts that may require putting in sensitive personal information or passwords. Plus, remember that it's not recommended to do online shopping while using a public hotspot, as online shopping implies adding your bank account details or the login credentials. So, shop smart!

Verify what you're signing up for!

I hate all the discount pop-ups that show up while I visit different websites. Even if some of them may display generous deals or may invite you to sign-up for a really informative newsletter, I am always in a rush, and I find these marketing techniques disturbing.

If you're on the other side of the fence, make sure to double-check what you're up to sign-up or download from a website when using a public Wi-Fi network. But, if you did signed-up without checking and additional software installation is required, make sure to "abort mission" immediately.

Better stay safe than sorry!

Keep in mind that "there is nothing more frightful than ignorance in action".

With all the information existing on the web about how important is to surf securely, especially when using a public WiFi connection, getting in trouble is a choice.

Plus, with all the options you have to stay secure while going online, being a responsible internet user shouldn't be a challenge. And, keep in mind to never use the excuse that you're not a skilled technician. You need minimum tech knowledge to use and test a VPN connection or to enable/disable file sharing from your device.

Being ignorant of the web is a choice!

Computers and Technology Editor Thu, 21 Nov 2019 09:28:02 -0500
5 Tips To Overcome When Starting Cryptocurrency Investing When it comes to investing in cryptocurrency people have to take into account that this very volatile market is not for the weak-hearted. On the other hand, this market has matured a lot and has all the properties a regular market (like Forex) has, which is market cycles. Still, there is just one thing which makes the cryptocurrency market unique and that’s regulation or to clarify; the lack of regulation.

As a result, anyone can launch a new cryptocurrency and put it into the markets. This open character of the market could bring the lucky ones big profits, but there are also lots of investors suffering from big losses. If you are planning to join this game but haven’t started yet, you are on the right spot. In this article, 5 tips to overcome when starting cryptocurrency investing.

1.Do your own research

Before you start buying into coins, it’s very important to do your own research. There are several ways to do this but a good place to begin with is Coinmarketcap. This website gives in a glimpse a total overview of the current market and has hyperlinks to every coin out there. Also, do some research into the technology of blockchain networks. A good place to go to is This site gives a deeper insight into this network and has an interesting graph’s about current transactions and network statistics.

When you are feeling more confident about this market and corresponding technology, it’s time to find the best online platform to start buying some cryptocurrency. So when you’re new to this or do not have much experience with crypto investing all possible online trading platforms out there could be a little bit overwhelming. Don’t worry too much about that. Currently, the biggest and most reliable exchanges out there are Binance or Coinbase. Both platforms have the highest daily volumes and are proven to be secure over time.

2.Be disciplined and have patience

Most starting investors who are entering the markets, came to this place because they read some success stories on social media about getting rich in just 24 hours. Of course, these stories exist but if you are entering these markets and expecting the same, I have to disappoint you. It just doesn’t work this way, although not anymore. In other words, cryptocurrency investing isn’t a get rich quick scheme.

If you want 5x-10x results(which is still possible) it takes discipline and patience. To do this, stick to your plan and don’t get distracted at results of other investors in the community. Give the developers of your favorite coin some time and participate in their community by joining their telegram or slack channel.

3.Invest time in learning the fundamentals

So now that you have invested in some coins it’s time to do some homework. Most cryptocurrency investors who are successful are just playing the ‘HODL’ game. It’s proven that this kind of cryptocurrency investment strategy is the best, but it takes time! HODLING is a slang in the crypto community which means not to sell for a quick profit but hold on to your investment. If you are planning to do this, you have plenty of time left.

Next, you can use this time to learn the fundamentals by for example deep diving in the mother of all cryptocurrencies which is Bitcoin. A good place to start is reading the Bitcoin whitepaper and learn more about Blockchain technology. It’s just a win-win because you are turning in an expert now, which gives you the possibility to evaluate other interesting coins.

4.Be responsible It’s your money in the markets

Like I mentioned earlier in this article, a lot of starting investors are entering the crypto markets based on others ‘most lousy’ opinions. This is a big risk and also lacks responsibility. You have to take into account that most investors are in it for their own profit and not really care about other investors.

In other words, if you put money in the market based upon someone else’s opinion but getting REKT instead it’s still your responsibility. You can blame the other person, but it’s you who did the investing with your money in the first place. Your money always comes first!

Of course, it’s a good thing if another cryptocurrency investor wants to help you and give some guidance so you shouldn’t start to ignore it. Just remember that it’s your money and you are the one to blame.

5. Invest only what you can afford to lose

Don't expect that profits are guaranteed when crypto investing. It's not! There are plenty of examples of investors who took a loan or sold their property during the ATH of cryptocurrency back in 2017. They could be in deep trouble right now, because the markets haven’t recovered yet. What to do if you need the money, but it’s all in the cryptocurrency markets?

Another good example is the many Youtube video’s which suddenly appeared online during the bull-market back in 2017. The business model of Youtube channels is that the videos with the most views will rank high. As a result, content creators try to join the hype and clickbait you with headlines like “How I made 25K in Bitcoin in just a few weeks”. If you invested big on that kind of advice big chance you got into trouble.

Finally, some motivational words about investing in cryptocurrency. Bitcoin doesn’t care what color you are, what religion you have, what your age is or gender. Happy investing!

Money and Finance Editor Mon, 04 Nov 2019 22:41:00 -0500
Do Individuals Over 50 Need Life Insurance? If you are familiar with life insurance, then you know how important it is especially for individuals that are kicking off family life. Life insurance provides a buffer or soft landing for the young family, especially if their sole provider has taken out life insurance coverage.

The whole idea of life insurance is that in case the insured person dies, there will be an insurance payout by the insurance company, therefore allowing his next of kin to benefit from the life insurance coverage. The main reason why this is important is that in case the insured person dies, then his family will not be left to suffer in his/her absence. So makes sense for young families. 

The fact that life insurance coverage is best suited for young families raises the question of whether it makes sense for anyone to get life insurance over 50. This might be a valid question for many because they are already done raising children by the time they reach 50-years-old or at least their children are approaching adulthood at that age. So why then would anyone that has already lived half a century be interested in a life insurance?

Starting a family late in life

Subscribing to life insurance coverage at 50-years-old makes sense to those individuals who start careers at this age. It is not often but also not uncommon for people to have children when they are already in their 50s. In today's fast-paced world, it is not unusual for people to delay having children so that they can focus on their careers and thus have children in their 40s or 50s. They may thus opt to get life insurance coverage even when they are in their 50s so that their families will be protected in case of death.

Business succession

Life insurance coverage may play an important role for those over the age of 50 as a tool for business succession.course this makes sense for individuals that own businesses. Their life insurance policy payout can be used to make sure that the business remains afloat before the business is transferred to new ownership or management.

A supplement for their pension

Rental income or pension is often the only source of revenue for many families after retirement. However, pension payouts often dwindle, and sometimes the tap even runs dry in case the retiree dies. This means that the people dependent on the retiree might be left struggling financially. Anyone over 50-years-old who might be looking for another option to provide an extra revenue source for their family when they are gone should consider life insurance coverage. Life insurance policy payouts might be the most logical way to make sure that your family has some financial flexibility, even in your absence. 

Life insurance policy payouts can cover estate taxes

Estate taxes can be a huge burden to a family when their sole provider passes on. It might require the family to spend a significant amount of money to cover the estate taxes. Life insurance coverage is a good option for a backup plan that will help offset the burden of paying estate taxes. This is a burden that would have otherwise gone to the family after the owner of the estate dies.

Life insurance payouts can be used to offset funeral expenses

Reaching 50-years-old is a key milestone in life. However, it also means that one has probably surpassed the midpoint of their lifespan. In other words, the years ahead will likely be fewer than the ones that you have already lived. So this is why you need to start preparing for your death. It might sound a bit scary, but it is necessary. If you are the breadwinner in your family, then it is a good idea to look into how you can help your family reduce any expenses that may not only come with age but also your demise.  Life insurance coverage is ideal for this purpose because it will not only help to cushion your family in your absence but also help to cover your expenses, such as hospital expenses and funeral costs.

Supplementing your savings

Life insurance coverage may also present an opportunity for anyone over 50-years-old to access an avenue through which they can supplement their income. This is because a life insurance plan can be used as a way of storing cash which can then be used for different aspects upon withdrawal in the future. This is a good option for anyone that does not want to invest their money in other avenues due to the issues such as unpredictability and complicated nature of investment markets. The policyholder could relax knowing that their life insurance principal amount is not at risk of erosion as would potentially be the case if they had parked their money in the stock market which has its moments but also faces headwinds.

Selecting the coverage that is best suited for individuals over 50-years-old

There are two main life insurance coverage categories to choose from if you are over 50-years-old and interested in life insurance. They are permanent policies and term life insurance. Term life means that the applicant will subscribe to a life insurance policy that only offers death benefits. This means that it does not have savings or cash value benefits. 

Term life insurance is also made available for a fixed duration of time before it expires. Term life policies commonly last for five, 10, 15, 20, and 30 years. Permanent life insurance like the name suggests offered to clients who want permanent life insurance coverage, meaning that there is no expiry attached to such. It also offers more flexibility to the policyholder by allowing them to withdraw or borrow from the cash value of their insurance policy coverage.

The flexibility of the permanent life insurance coverage means that the policyholder can use the funds for purposes such as offsetting a loan or a down payment for a house. It is worth noting that permanent life insurance coverage attracts a higher premium than term life.

Money and Finance Editor Tue, 22 Oct 2019 10:46:23 -0400