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Posted 12/7/16 at 12:48 PM | David Fournier

Top Tips to Get Better Sleep

Do you find yourself constantly struggling to fall asleep and stay asleep every night? Then you probably feel really tired in the morning and fatigued throughout the rest of your day as you struggle to stay awake with the help of coffee. This is no way to live, and it will take its toll on your health, so follow the tips below to help you get a better night’s sleep in no time.

Get the Right Mattress

Investing in the right mattress for your body and your needs could make a world of difference in your ability to get to sleep and make it a restful sleep each night. Don’t be afraid to pay more for a higher quality mattress. You can choose from those that conform to your body with the help of memory foam, as well as those that you will be able to adjust in terms of how soft or hard you want your bed to feel from one night to the next, and you can even purchase those that will help you stop snoring by elevating your torso so you can breathe better.

Set Up a Sleep Schedule

Believe it or not, one of the easiest ways to get a better night’s sleep is by simply setting up a sleep schedule that you can follow. Going to bed at the same time each night and waking up at the same time every day will get your body into a healthy routine, and it will ensure that you get an adequate number of hours of shut-eye. Do this even on holidays, days off, and weekends. You will establish your body’s own sleep-wake cycle, and that will help you feel refreshed by the morning. FULL POST

Posted 11/29/16 at 11:57 AM | David Fournier

7 Ways to Optimize Your Savings to Outlive You

For some people, retirement is a personal reward, and they owe it to themselves to spend every last penny they’ve earned. For others, it’s important to pass their nest egg onto future generations—through one of several different applications. You could pass along your savings to a relative or a descendent, and help future generations of your family live comfortably. You could leave your money to a charitable organization. You could even intend the money for a specific purpose, such as starting a business or serving as a child’s college fund.

In any case, there are ample motivations to have your savings outlive you. But motivation isn’t enough to make it happen, so what are the best ways to optimize your savings?

Strategies to Optimize Your Savings

These are some of the best strategies to use to optimize your savings to outlive you:

  1. Diversify your portfolio. The first step is one you should have been following throughout your entire strategy; you need to diversify your portfolio. Putting too much of your assets in one area, such as stocks or real estate, could leave it vulnerable to massive fluctuations. Instead, hedge your bets by investing in more diverse areas, such as foreign stocks, mutual funds, bonds, real estate, or even annuities. You may also want to lean toward financial assets that generate reliable income, such as rental properties or dividend-paying stocks, so you can reliably count on a certain amount of recurring income.
  2. Arrange as much as possible in advance. There are bound to be some expenses to cover when you pass, so the more arrangements you can make in advance, the better. Making decisions early, such as how you want your funeral to be arranged, if you want to be cremated, and how it’s going to be paid for, can also alleviate a burden for your surviving family members. You’ll also want to consider any outstanding debts or other financial obligations that will need to be covered when you pass—again, the further you plan ahead the better.
  3. Never withdraw more than 3 percent of your savings. The general rule for savings withdrawal is to never withdraw more than 4 percent of your total savings. For most people in most circumstances, a 4 percent rate of withdrawal will protect you against market fluctuations over the long term, and ensure you never tap into your principal. If you want an extra layer of security to ensure your investments outlive you, consider withdrawing even less, such as 3 percent.
  4.    Explicitly plan how to bequeath your assets. If you don’t leave specific instructions on how to divvy up your assets, your next of kin will be entrusted with all of it. If you want your savings to outlive you, you probably have a loose plan for how you’d like to see it be used. Instead of leaving everything to chance, write up a plan for how you want your assets divided, and formalize it by drafting a will.
  5. Gradually shift to more stable, long-term investments. When you’re young and you have more time to tolerate massive market shifts, it’s advantageous to choose riskier investments, with higher volatility but a potentially higher payoff. But when you want something more stable to pass on, you need to shift your assets to more stable vehicles. Don’t do this all at once, or you’ll lose the diversity of your portfolio, but gradually move toward bonds and other low-risk investments as the years progress.
  6. Choose a good life insurance policy. Early on, it’s a good idea to find a solid life insurance policy. If your investment assets are strong enough, you should be able to take care of all your own expenses without much additional effort, but life insurance will make sure it happens.
  7.    Educate your successors. Before you pass, let your successors know what your plans are. This will help ensure that your plans are carried out according to your wishes, and may help ensure that your assets carry on further than just one generation.

Avoiding Obsession FULL POST

Posted 10/31/16 at 3:30 PM | David Fournier

How We Can All Work to Combat the Rise of Depression in the US

Depression is an issue that is hitting more people than ever before. Currently, depression is rising in the US, with an increasing number of patients currently taking medication or attending counselling and therapy in order to combat this health issue. But, depression is a problem that often goes unchecked, and a lack of help and support for mental health, not enough education for regular people on the subject and of course the stigma that has surrounded mental health issues such as depression for centuries are all factors that are contributing to the current situation. So, what can we do as individuals and US citizens to help alleviate the rising problem of depression?

 Royalty Free Photo

Raising Awareness

Raising awareness of mental health and getting people talking about these issues is an important step in creating a community where suffering from a mental health problem such as depression will never be looked down upon. Sadly, today, there is still very little education about mental health provided to children in schools, and mental health problems simply aren’t talked about that often by people who aren’t dealing with them personally. Even people who do suffer often feel that they can’t talk about it as they won’t be understood. Raising awareness at your place of work or study can be a fun way to get involved in a good cause and help to improve the current mental health situation. FULL POST

Posted 10/24/16 at 7:55 AM | David Fournier

How to get the paper writing service

A paper writing service is really helpful to save your time and effort if you are meeting the deadlines. Basically students can easily understand the basic concept of class but they don’t have any time to write the essay or research report. So if you are struggling to create the essay writing then buyessay company is really help you out of your problems. Suppose you are struggle with numerous numbers of assignments then they will help you to finish your work. If you are choosing the buyessay paper writing service such as articles, theses, term papers and case studies.

The basics of paper writing service

Mostly the online services which are utilizes the questionnaire so it is asks the relevant questions about your research. So buyers can communicate with the buyessay writers which is relevant to the

  • Topic
  • The number of pages and words
  • Timeframe
  • The credentials
  • Type of paper

Basically the paper writing service is assign the task to the professional writer so they will write the paper writing based on the parameters. This kind of paper writing service are available in affordable price so if you are paying more money, you can add the option like upload the files or other credentials at your paper writing. FULL POST

Posted 10/19/16 at 7:12 AM | David Fournier

Easy Tips to Choose Best Statistics Homework Help

Today students are facing lot of difficulties in learning different subjects like mathematics, statistics, English and others. The statistics is a tough subject so students need a special care about this subject. The students feel the frustration when they have homework of statistics. The students can now feel easy because nowadays many online service providers help people solve the statistics homework without any issues. The assignment.essayshark is leading and reliable online assignment service provider in which users can do their homework easily. Nowadays most number of students got good rewards and appreciation from teachers when there was a need that solves assignment statistics problems with Assignment.essayshark. Obviously statistics problems are complex so students must have a complex skill to solve it. The online assignment service providers make this job easy but students have to pay money for this service.

The Convenience of Assignment.essayshark FULL POST

Posted 10/17/16 at 10:35 AM | David Fournier

Millennial Doctors Are Now Using WhatsApp To Communicate With Their Patients

Millennials are notorious for relying on the latest technologies and these technologies are rewarding us by enhancing their safety policies and making continuous improvements to their products. This is how doctors are turning to WhatsApp to connect with their patients and other doctors.

You've got an IM from your doctor

WhatsApp announced its new encryption system in April, which draw attention to many law enforcement agencies around the world, but it also draw doctor's attention, especially in Brazil. With Zika virus making hundreds of victims, Brazilian doctors started to use WhatsApp to track the virus, inform their patients about the symptoms and send CT scans of their patients. According to Cello Health Insight, 9 in 10 Brazilian doctors are using the app to communicate with their patients and with other doctors. In US, doctors are yet to embrace this new means of communication, as they are still worried about violating the privacy regulations, HIPAA.

Is WhatsApp reliable? FULL POST

Posted 10/15/16 at 5:15 AM | David Fournier

Medicare Annual Enrollment Period Explained

Medicare offers multiple plans based on each beneficiary’s needs. These can be categorized broadly as Part A and B (Original Medicare), Part C (Medicare Advantage), Part D (Prescription Drug Coverage) and Medicare Supplement (Medigap). With so many choices, you’ll certainly want to get the most value out of the plan you choose. Knowing when to enroll is also an important consideration.

If you are enrolled with Medicare, you do not have to sign up every year, but during certain periods of the year, you have the opportunity to be enrolled in new plans, or to change the plan you are with according to your needs. Here is an overview explaining what you can do in each of these periods.

Initial Enrollment Period

This is the time around your 65th birthday: your birthday month; 3 months before it; and 3 months after. During this time, you can enroll with Part A and B, if not automatically enrolled. You will automatically be enrolled with Medicare Part A and Medicare Part B when you turn 65 of age, if you are receiving benefits from Social Security or the Railroad Retirement Board. But if you have to sign up because you are not automatically enrolled, you should sign up during this period; otherwise, you will very likely pay higher premiums. You are exempt from these penalties if you qualify for Special Enrollment Period, which is explained in a separate section below. FULL POST

Posted 10/12/16 at 12:20 PM | David Fournier

The Importance Of Cognitive Thinking In Christianity

Cognitive thinking is so much more that simply memorising facts and figures, particularly when it comes to the belief in Christianity.Cognition is the process involved in knowing which includes perception and judgement within the mind. This form of thinking involves the knowledge and skills required for quick and effective learning, while thinking abstractly to make important decisions with logical reasoning. This is exceptionally important when it comes to religion, as it helps to develop skills like critical thinking and decision making, and in some ways this is made easier later in life.

Benefits Of Cognitive Thinking In Christianity


While cognitive thinking is generally developed young in life, it can also be nurtured throughout later life. While the ability to read, write and communicate effectively come from aspects of cognitive thinking, understanding is one of the key benefits of this form of thinking to allow both children and adults the freedom of choice to believe in Christianity and understand it. FULL POST

Posted 10/4/16 at 2:40 PM | David Fournier

Relationship Experts Share the 3 Most Common Issues In a Marriage

It would be a lie to say that there is a perfect marriage out there that doesn’t suffer a bit of discord from time to time. Yes, there are marriages that last for decades and decades, “Until death do us part” but even those marriages experience a few brief squabbles from time to time. Even so, for the most part they are strong and sound. If you have been experiencing a bit of discord in your marriage, the best thing to do might be to really take a look at what is the ultimate cause. It isn’t always what meets the eye.

Texting & Messaging

Sometimes the reason couples are having problems in their marriage is simply a lack of real communication. It is becoming increasingly popular to text and send private messages via social sites like Facebook and oddly, you even see couples texting who are in the same room together! No, they are not trying to be ‘private’ in their conversations, they are simply just used to communicating that way. If you are having issues communicating with your spouse, try setting down the phone or tablet for a few days. You’d be surprised at what a little bit of face-to-face eye contact would do for a relationship that has seemingly lost that ‘connection.’ FULL POST

Posted 10/4/16 at 12:19 AM | David Fournier

4 Indications That Your Business Needs a Mobile App

If you are an owner of a business, you must be wondering if your business actually needs a mobile app? Especially if you have a responsive website that loads well on mobile platforms, you might question the necessity of investing time and money on a dedicated app.

Despite your reservations, you probably will need an app to stay competitive if you have started to regularly witness one of the following conditions: -

1. When Your Customers Expect Your Business to have an App

Consumers have demonstrated an increased preference for mobile apps over websites while engaging with their favorite brands. Pay attention to what your customers say, and learn about their preferences- both said and unsaid. For example, frequent questions about online ordering, making reservations online or accessing account information could indicate the existence of demand for a branded app from your business.

Follow up on this perception demand by using formal and informal channels to get a better idea about the functions and features your app would need to provide value to your customers. When you know how people will use your app and how the app might affect your customers’ experience, you can begin planning a mobile strategy. If customers will shop more frequently, buy more products from you or receive better service by tapping on their phone than they would if they had to browse to your website, you should invest in a mobile app. FULL POST

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