​A study conducted by Johns Hopkins University researchers found that 10% of deaths recorded in the United States are due to medical errors. This makes it the third leading cause of death countrywide. Even if you receive the best medical care possible, there is always a chance that something could go wrong. If you or a loved one has been the victim of medical malpractice, there are a few things you can do.

Medical malpractice is a term used to describe a negligent act or omission by a healthcare professional that leads to injury or harm to a patient. Although the exact definition of medical malpractice varies from state to state, the general principles are the same.

In order to prove that medical malpractice has occurred, it must be shown that the healthcare professional owed a duty of care to the patient, that this duty was breached, and that the breach resulted in injury or harm. While medical malpractice can take many different forms, some of the most common include:

• Misdiagnosis or delayed diagnosis
• Surgical errors
• Birth injuries
• Prescription errors

​In each of these cases, the healthcare professional involved failed to meet the acceptable standards of care, and as a result, the patient suffered some form of harm. If all of these elements are present or a medical error impacts your quality of life, then a patient may be entitled to compensation for their losses.

There are a few key indicators that may suggest you have been the victim of malpractice. If you experience an unexpected or unexplained injury following a medical procedure, this could be a sign that something went wrong.

If you receive a diagnosis that does not match your symptoms, this could be another red flag. Similarly, receiving improper medication or surgical procedures are also causes for concern.
​
If information about potential risks associated with a procedure were withheld from you, you may have a case for medical malpractice. Not all injuries or negative outcomes are the results of malpractice. In some cases, the risks and complications of a procedure are simply unavoidable.

If you or a loved one has been the victim of medical malpractice, there are a number of resources available to help you. It’s important to seek legal counsel to determine if you have a case. Reach out to legal malpractice attorneys in Seattle, WA, or whichever city you reside, for more information.

Once you have decided to pursue legal action, there are a number of organizations that can provide support, including the American Association for Justice and the National Center for Victims of Crime.
​
In addition, many state and local bar associations offer resources for victims of medical malpractice. These organizations can provide information about filing a claim, finding an attorney, and understanding the legal process.

There are also plenty of websites that offer information and support for victims of medical malpractice. These sites can be a valuable resource for information and support as you navigate the legal process.

​No one should have to worry about being the victim of medical malpractice. However, if you or a loved one has been harmed by a healthcare professional, it is important to know that you have options and resources available to you. With the right support, you can get through this difficult time and seek the compensation you deserve.

Large corporations have entire marketing departments that promote goods and increase brand awareness. And whatever such companies produce, they all pay attention to one critical aspect – psychology. People purchase products for various reasons; some fall for visuals and slogans. Others, in turn, succumb to the price and overall convenience.

Using psychological methods allows you to improve your product or service and tailor it to people’s expectations. Marketing psychology relies on using a wide array of gimmicks, from the software with free graphic design templates to proficient analytics tools. Below, we’ve put together the most crucial information about marketing psychology and how to use it to achieve your goals.

​In a nutshell, marketing psychology delves into the human mind and conduct to learn customers’ buying behavior, interests, and preferences. The primary purpose of such a technique is to determine how people behave on social media and what makes them more inclined to purchase a particular product. 

It’s a truism that we are surrounded by marketing psychology these days. Whatever ad or Instagram story promoting a good you see is based on marketing psychology.

Above all else, marketing psychology is beneficial in that it lets you identify people’s buying patterns and predict how they’d behave once they stumble upon your product on the web. The technique also lets you alter people’s behavior and influence them to choose your brand. 

Besides, marketing psychology helps you enhance clients’ shopping experience and portray your company as customer-oriented.

​Marketing psychology encompasses various techniques. Which one to opt for hinges on your brand and its area of operation. Notwithstanding, let’s look at the most practical methods more in-depth.

Priming strategy
Priming is a widely known stimulus in psychology and related branches. In psycholinguistics, for example, priming is used to measure children’s response time and thus check syntactic prowess. In marketing, experts use priming to pair various elements and make the person think these items are inseparable, so they need to be bought together.

Fitts’s Law
As mentioned earlier, visuals always contain a powerful message that can make people complete the necessary action. Fitts’s Law states that the more appealing and friendly the visuals (social media profile, web page, etc.), the more they affect the buyer. 

Reciprocity Concept
People mirror your attitude toward them. Simple as that, be nice to people if you aspire to succeed and convert them into regular clients. Incentivize them, provide them with discounts, coupons, vouchers. It will all have a powerful effect.

Social Proof
By spreading clients’ comments and testimonials on your product, you verify your expertise and prove that people trust you. The great thing about this method is that it’s flexible, meaning you can use it however and wherever you want.
​
Option Reduction
Scattering dozens of purchasing options isn’t always a good idea in that it can overwhelm people and leave them uncertain about what option to choose. If you want to double conversions and leads, restrict a list of choices.

Nudge Approach
This approach dramatically influences clients’ decision-making process. Here, you can use various linguistic structures and visual elements to encourage people to buy your product. Remember to use this concept in moderation to make it fruitful.

​With that being said, you may wonder which strategy to employ to influence and persuade. And that’s the thing: it’s nearly impossible to select the technique without analyzing your business. 

First, you need to set clear goals and expectations before adopting marketing psychology methods. Once you are clear on what you want to achieve, define what psychology marketing strategies you want to implement. You are encouraged to acquire several approaches, for using them interchangeably will bring better results.

And there you have it. As you now know, marketing psychology is a modern way of being compelling on the market. Regardless of your company’s size and focus, embracing marketing psychology can multiply your returns and make your brand way more successful and recognizable in the long run.

​Under UK law, pensions are considered to be a joint marital asset. This means that when a couple is divorcing, pensions are liable to be viewed as collateral and divided accordingly. The way that they are divided differs between cases depending on a number of important factors. Current guidelines aim to divide combined assets evenly, however, the way this is achieved is not always straightforward, which is where specialist firms such as Major Family Law can help navigate the various pitfalls.

​UK divorce legislation uses the equal division of matrimonial assets as a starting point from which to generate a financial resolution that is fair to both parties. The primary consideration for the Courts is the provision made for any dependent children. For example, if the main caregiver retains the marital property in order to provide a stable home for the children, the other partner may be allocated other financial assets instead, such as a lump sum payment or a larger stake in any pensions.

• Occupational pensions
• Private or personal pensions
• Additional State Pensions

Note that State pensions are not applicable and will not be taken into consideration.

There are three ways in which pensions can be divided up during the divorce process. These are:

• Pension offsetting - where the value of the pension is offset against the value of other assets.
• Pension sharing - this requires a Court order and represents one party being allocated a percentage of the pension scheme of their estranged spouse.
• Pension attachment - these are where one spouse is allocated a share of their ex-partner’s pension but can’t benefit from it until they start to draw on the pension. It is rarely used any more. 

Research has suggested that around 70% of married couples fail to talk about their pensions before getting divorced. This means that many people either don’t even know that a spousal pension exists or that it counts as marital collateral. Factors which can influence the percentage of your husband’s pension that you may be entitled to include:

• Yours and your spouse's age
• Length of marriage
• Proximity to retirement
• Potential earning capacity

Factors taken into account are highly dependent on individual circumstances. For example, if you haven’t been married for very long, you are significantly younger than your husband and have greater future earning capacity, or if the majority of their pension had been contributed prior to the marriage.

• Family responsibilities
  All divorces are different and there is definitely no ‘one size fits all’ solution. This is mainly due to circumstantial factors that the Courts place considerable weight on, such as the financial requirements of meeting the needs of any children and the ongoing financial needs of either yourself or your husband.
• Earnings
  Both the current and future potential earnings of the parties involved are given credence as well as both the financial and non-financial contributions to the marriage, for example, if one spouse has spent more time raising the children then this is considered as viable a contribution as bringing in a salary.
• Health and wellbeing
  Health considerations, including any long-term illness or disability will be recognised and accounted for along with the standard of living with which you have been accustomed to during the marriage.
  
  ​There are many issues to consider when it comes to pension entitlement. If you are getting a divorce, then speak to a legal professional about your individual circumstances to become more informed about what steps to take next.

Time is a valuable resource, so it’s a shame when we squander any of it. When you’re a student and studying it might feel like your time is constantly being wasted, but it doesn’t have to be that way. There are ways you can use time management to boost your grades and get more done in less time. Sounds pretty sweet right? Well, there are lots of tactics to learn but here are the top 10 that any student can start using today!

​Time management is a key component to your success in college. Learning to balance your time can help you tackle projects, assignments, and other activities that will come your way. If you are having trouble managing your time, here are 10 tactics that can help boost your grades and make you a more efficient student.

1. Create a calendar:
A calendar will help you organize the things that you have to do for the week, month or whole semester. You should put due dates for assignments, exams and other activities as well as include any obligations that you have such as family events and organizations that you are involved in. Having a calendar is the first step to becoming organized and will allow you to better manage your time.

2. Make a schedule:
Your schedule should include the amount of time that you need to spend on certain tasks and activities during the day or week. It should also include when you should start studying for an exam or doing homework so that it gets done on time. Having a schedule gives you an idea of how much time you have available to complete all of the tasks that need to be done.

3. Be realistic about how much time you have to accomplish tasks:
If you’re a student, you probably don’t want to spend all of your free time studying or doing school work. You need some free time to hang out with friends, pursue a hobby or sport, or just relax. When you are given an assignment, look at the due date and make a schedule for how much time you can afford to spend on it each day so that you will finish on time and still have enough free time for other things.

4. Do some of the most difficult works first:
Rather than starting with simpler assignments that you find more interesting or easier to complete, begin with the most difficult ones. This is because you will be working with a fresh mind when your energy level is highest. Once your mind is drained, the quality of your work will decrease.

5. Start working on assignments early:
As a student, one of the best ways to boost your academic performance and to write a perfect essay is to start working on your assignments early enough. If there is an assignment due in two weeks, do not wait until the night before it is due to start working on it. Get started early so that you have more time to complete it, and avoid rushing through it. Starting early will also give you enough time to seek assistance if needed.

6. Reward yourself for completing tasks:
You can also be an effective time manager by rewarding yourself for completing your assignments. If you’ve got a reward waiting for you when you finish, it will motivate you to get started and keep going until you complete the assignment. 

If you have a favorite snack or treat that you enjoy, use it as a reward for yourself when you have finished your assignment or study session.

7. Ask for assistance when needed:
Asking for help doesn’t show a lack of intelligence; it shows strength. If you don’t understand the material, you can ask your professor for more explanation or ask a fellow student for study tips. Don’t let not knowing something stop you from asking. A tutor can also be your ally in time management and prioritizing tasks.

8. Find a quiet place to study without distractions:
Finding a quiet place to study is important when trying to figure out how to manage your time as a student. Go to the library, or find a room or area in your house where you can focus on getting things done. Turn off social media notifications on your phone, and only use your laptop when necessary. 

It may be tempting to check Facebook right before you start studying, but this will only distract you. Make sure that homework is the first thing you do when coming home from school so that it’s finished and out of the way before anything else happens during the day.

9. Take active learning techniques into consideration:
Active learning is an effective method of teaching that applies to a variety of academic needs. Some of the most common active learning techniques include observing experiments, collaborating with peers and doing presentations. 

Study groups are also an excellent way to boost study performance and encourage students to talk about their academics. The best part about these tactics is that they can be used in any academic environment, including online classes.

10. Review what you've learned at the end of each day:
This one is obvious. A little bit of repetition will help keep your mind focused on the tasks at hand. For example, if you're studying for a math exam, then reviewing some past problems can help refresh your memory and remind you what you need to work on before test day. Studying should also be done in short intervals, as research shows that students' brains react best to studying over a period of time rather than in a single sitting.

​Eating a healthy balanced diet can help you reach and maintain your fitness goals. What you eat before and after a workout affects your mood, motivation, performance, energy level, and recovery. 
 
Pre-workout nutrition gives you the strength and energy you need during exercise. And just as important, post-workout nutrition provides your body with the nutrients it needs to recover and replenish. 
 
When used appropriately, dietary supplements can be used before and after exercise to enhance performance and recovery.

​Fueling your body before a workout provides you with the energy and strength to perform. 
 
Pre-workout meals should consist of an easy-to-digest balance of macronutrients. To avoid an upset stomach, try to eat 2-4 hours before activity.

Pre-workout supplements, taken 15 to 30 minutes before exercise, boost energy levels. 
 
Proponents claim that pre-workout nutrients increase focus, energy, strength, and endurance during exercise and promote faster recovery after exercise. 
 
Unfortunately, pre-workout products are largely unregulated. Many products do not undergo proper testing to ensure the quality and safety of ingredients. In other words, buyer beware.
 
If you take a pre-workout supplement, choose a product from a reputable company. One that performs independent third-party testing for quality and safety. Like Naked Energy, a clean pre workout from Naked Nutrition. 
 
Naked Energy contains B vitamins, vitamin C, calcium, caffeine, creatinine, beta-alanine, and L-arginine. 
 
Be sure not to exceed the recommended serving size and always consult with a physician before taking any new supplement.
​

What you eat after a workout helps maximize recovery and replenish energy stores. 
 
Consuming high-quality protein post-workout can help repair, remodel, and build muscle. It is generally recommended to consume protein in combination with carbohydrates within 1 hour of working out. You can get the protein you need from whole foods or a protein supplement. 
 
Whole food sources of protein include chicken, turkey, eggs, fish, yogurt, cheese, cottage cheese, nuts, beans, and tofu.

It’s not always possible to get adequate protein through food alone. In this case, using a supplement is a convenient way to incorporate protein. There are various types of protein supplements available. Animal-derived proteins include whey, casein, egg, and collagen. Plant-derived proteins include pea, rice, hemp, and soy. 
 
Your fitness goals can help you to match a supplement to fit your needs. For example, if you have joint pain, collagen may help. Collagen is a major component of skin, hair, nails, joints, bones, and ligaments. 
 
There is evidence that collagen can reduce activity-related joint pain, and strengthen tendons and ligaments. 
 
Making a post-workout smoothie is easy to incorporate collagen into your diet. Like this green apple ginger smoothie.

Ingredients

• 1 cup almond milk
• 1/2 frozen banana
• 1 date, pitted (if you don’t have dates, use a whole frozen banana)
• 1 green apple (cored & chopped)
• 1 tbsp. hemp seeds or chia seeds
• 1 scoop of collagen peptides powder
• 1 tbsp. freshly grated ginger
• 5 drops liquid stevia
• 1/2 tsp. cinnamon
• Ice as needed (~4-5 ice cubes)

Instructions
 Simply combine all ingredients in a blender and blend until smooth.

​If you’re looking for a plant-based post-workout smoothie option, try this peanut butter hemp smoothie.

Ingredients

• 1 cup almond milk
• 1/2 frozen banana
• 1 date, pitted (if you don’t have dates, use a whole frozen banana)
• 1 scoop of Naked PB protein powder
• 1 tbsp. hemp seeds 
• 5 drops liquid stevia
• 1/2 tsp. cinnamon
• Ice as needed (~4-5 ice cubes)

 Instructions
 Simply combine all ingredients in a blender and blend until smooth.

​Before and after exercise, proper nutrition and hydration can help you reach and maintain your fitness goals. 
 
Pre and post-workout supplements can enhance performance and recovery, when used appropriately. Use caution before taking any pre or post-workout supplements. 
 
Be sure to choose products made with high-quality ingredients and third-party tested to ensure quality and safety. Always check with a healthcare professional before starting a new supplement.

We all know how cute French Bulldogs are. So, it should be no surprise to learn that, in 2020, they were the second-most popular pet in the U.K. and the fourth-most popular dog breed registered with the American Kennel Club in the U.S.
 
Frenchies first appeared in Paris during the nineteenth century, as a result of crossbreeding English toy bulldogs with French ratter dogs.
 
The mild-mannered and friendly French Bulldog makes an excellent pet for all kinds of people who want to be dog parents. But can a French Bulldog be a service dog? Let’s find out.

Service dogs are trained to help people who have disabilities. They can assist people with physical disabilities or mental impairments.
 
Over 80 million people in the U.S. alone have service dogs to help them in a variety of ways. For example, they can assist physically disabled people who are visually impaired, deaf or have mobility issues.
 
Blind and visually impaired people can navigate their environments much more easily and safely with the assistance of a service dog, and people with hearing problems can hear important sounds, such as oncoming traffic. Meanwhile, mobility dogs can help individuals who have balance issues or use wheelchairs or walking devices.
 
Service dogs also include medical alert dogs that can signal the onset of medical problems like allergies, low blood sugar, and seizures.
 
Service dogs can be very beneficial to people who have mental disabilities. For instance, psychiatric service dogs are able to help people who suffer from conditions like PTSD, obsessive-compulsive disorder, and schizophrenia.
 
The dogs are trained to help such individuals by performing specific tasks. The tasks are uniquely linked to the individual person’s mental disability and precise needs.
 
For example, someone suffering from PTSD could experience panic attacks or social anxiety. When such an individual has a psychiatric service dog, he or she can reduce symptoms of panic and anxiety, and the dog will know what to do to help. Find out more by checking out psychiatric service dog guide from Certapet.

A reputable trainer will train your service dog.

​​The international standard is: service dogs should be trained for an average of 120 hours over a period of 6 months. 30 of those hours should be spent in public places so that the dog can become accustomed to certain sounds, experiences, and environments. They are best trained as puppies.
 
Once a dog has been trained, a further period is required to see how it fairs in certain situations. For instance, trainers must be sure that any service dog can remain calm, doesn’t display signs of aggressive behavior, doesn’t beg for food or attention, and doesn’t show any hyperactive behavior in public places.

The most common breeds that are trained as service dogs for people with physical disabilities are Labradors, Golden Retrievers, and German Shepherds.
 
But actually, any breed of dog can be a service dog. Only, some breeds of dogs are more suited to helping some forms of disabilities than others.
 
For example, service dogs can be used to pull wheelchairs, so large and strong dogs like Great Danes or Bernese Mountain Dogs would be ideal, whereas a Papillon would not. However, a Papillon would make an excellent hearing dog.
 
And some dog breeds, like Toy Poodles, can perform tasks like alerting people about blood sugar variations and activating light switches.
 
So, it’s about finding the right breed of dog to fit the needs of the individual disability and the needs of the person.
 
In addition to those already mentioned, common breeds that are used as service dogs include Beagles, Boston Terriers, Saint Bernards, Pomeranians, and Pugs.

Any breed of dog can be a service dog. So, yes! French Bulldogs can indeed be service dogs.
 
However, like other breeds, Frenchies are best suited to people with certain disabilities. A French Bulldog would not make the best guide dog for a blind person. Nor would it have the strength to help people with mobility issues.
 
But French Bulldogs can make ideal partners for people who have emotional needs. The dogs are even-tempered, intelligent, and have calm natures. They’re pretty tough too. Furthermore, French Bulldogs rarely bark.
 
Perhaps most importantly, the dogs crave companionship, are very affectionate with their owners, and are well known to be very loyal. Those kinds of qualities are exactly what people with mental disabilities need.
 
Also, Frenchies are great with both adults and children; and they get along well with other pets.
 
French Bulldogs are easier to train than many other breeds, too. However, they can be stubborn from time to time.

Both male and female French Bulldogs are suitable as service dogs. But the two sexes do have differences.
 
Male French Bulldogs tend to be more playful, energetic, and assertive than females, while females tend to be more docile but dominating. And females are generally easier to train than males.
 
Spaying and neutering can also make a difference in a French Bulldog’s personality. And spaying and neutering make Frenchies calmer and easier to train.
 
As for their physical differences, male French Bulldogs have larger heads and physical frames than females.

​Service dogs are able to transform people’s lives. Individuals with physical disabilities like deafness, hearing impairments, blindness, vision impairments, or mobility issues can greatly benefit from having a service dog. So can people who have mental disabilities like PTSD or obsessive-compulsive disorder.
 
French Bulldogs are not suitable for assisting people with physical disabilities, but due to their warm personalities and ability to be trained well, they can make the perfect partner for individuals with mental disabilities and mental health issues.
 
Frenchies will provide a lot of love and affection. That alone goes a long way to helping people who have mental health problems like anxiety, depression, and panic attacks.

As your body ages, you notice a series of changes that impact your way of living and general well-being. Basically, even if you still feel like you are 20 years old in your mind, your achy joints and lack of stamina manage to bring you back to reality. 

But old age doesn’t have to be a sad period of your life. While things will change and you won’t be as fit as you used to be, you can still improve your current condition. And where you can’t, it helps to understand and accept the situation. 

Let’s take sleep as an example. Nowadays, sleep disorders caused by low-quality sleep​ are quite common among adults and even young people. The constant exposure to news, social media, and various devices equipped with a screen that emits blue light is disruptive to sleep patterns, which leads to a wave of health issues.

However, even if you had a healthy sleep pattern during your early and middle adulthood, the situation may be different in your golden years. Moving forward, we’ll have a look at some of the most common changes in sleep patterns that occur with age so you can recognize and understand them.

Our sleep patterns are regulated by our body’s circadian rhythm, which is unique for every individual. That’s why some people are early risers while others are night owls, for instance. Now, the circadian rhythm is directed by various hormones designed to tell you when to sleep and when to wake up.

As you get older, the production of hormones decreases or changes due to cellular deterioration. As a result, your sleep patterns change, and you may find yourself sleeping less or needing to take longer naps during the day. 

Plus, if you don’t take enough walks in nature and don’t expose yourself to natural daylight (research shows many older people don’t), your circadian rhythm will suffer. Therefore, both a drop in hormone production and less exposure to daylight can lead to a reduction in sleep quantity and quality.

Waking up tired and no energy throughout the day can also be a symptom of old age. However, it’s important to make sure there aren’t other causes such as:

• Lack of physical exercise
• Too many stimuli in your bedroom - light early in the morning, sound from outside, irritating smells, and so on.
• A mattress that’s too hard/soft or too hot
• A snoring/kicking bed partner (be it a spouse or a pet)
• Sleep apnea
• Anxiety

Any of the scenarios above (and others) can be fixed or diminished with a few changes or medical devices. So before you settle for an old age during which you feel chronically tired, make sure there aren’t any hindrances that can be removed.

​Let’s be honest - everyone can sleep well when they are healthy! However, as you get older, chances are you’ll get diagnosed with at least two or more health conditions that will block the possibility of peaceful sleep. 

Plus, you may also experience side effects from the medication your doctor prescribes for your health conditions. In many cases, medications such as corticosteroids and antidepressants are known to cause insomnia while opiates tend to cause daytime drowsiness. 

Also, if you are on multiple medications, the interactions can also impact your sleep patterns.

​Medications, changes in hormonal production, and an overall lack of physical activity are some of the most common causes of low-quality sleep in older adults. Still, there are a few things you can do to overcome some of these scenarios.

For instance, you can practice meditation sessions right before going to bed to help the body relax and invite sleep into your world. Also, light physical activity is crucial for aging gracefully, and don’t be afraid to take walks in the sunlight when possible.

Student loans have gradually become a menace to society. It seems like everyone has student loans, which can be a burden for a significant portion of their lives. Student loans are different from other loans because you absolutely must pay them. 

They can also have a multigenerational effect as parents can be forced to pay a student loan by taking money from their retirement fund. Age is a significant factor affecting student loan debt in the country.

The price of higher education is higher than it has ever been, but other factors will influence it, including interest rates and repayments.

We will consider the student loans based on various age categories, including: 

• 24 and Younger
• 25 to 34
• 35 to 49
• 50 to 61
• 62 and Older

The data that follows will be based on Federal Student Aid data. The data captures the debt amount up to Q4 2021.

When comparing total student loan size for the above generations, you get a picture of how much each generation owes. 

The 24 and younger group had a collective debt of about $110 billion. The 25 to 34 group has a debt of about $500 billion. The people aged 35 to 49 have an obligation of $622 billion. The 50 to 61 generation had a collective debt of $282 billion, while those 62 and older had a total loan of $98 billion. 

It is crucial to say that the student loan of older generations has grown due to interest accumulations over the years. 

Higher interest payments significantly increase the total amount, which can happen during things like refinancing. You can use a student loan refinance calculator to see how it affects loan balance. 

Therefore, those younger age categories can expect their loan balances to increase with time gradually. 

The average student loan size based on the above age groups also paints a fascinating picture. The age group 50 to 61 years, as of Q4 2021, had the highest average debt per person at $44,312. 

The 35 to 49 year group had the second-highest level of debt per person at $43,210. The 24-and-younger category had the least student loan debt average, at $14,430. The 25 to 34 year age group had an average student loan debt of $33,570. 

Individuals can take various steps to reduce their total debt, such as debt consolidation. Each person’s case is different, so the average loan size does tell an intriguing story but not the full one.

As you can tell from the information above, Americans experience student loans differently depending on age. It also describes how much debt they take on by age, depending on the cost of higher education. 

It is vital to state that anyone can reduce their student loans by varying degrees, including older generations like baby boomers.

Based on the above statistics, it is clear that various age groups are more affected by student loan debt than others. 

The 50 to 61 age group is the most highly afflicted, closely followed by the 35 to 49 age group. However, as stated above, the numbers will change as time progresses and age groups change. 

Other factors will affect the total loan size per group, such as the total number of borrowers. According to the Federal Student Aid data, as of 2021, the group with the highest number of borrowers is 25-to-34-year-olds, at 14.9 million. 35-to-49-year-olds had about 14.4 million borrowers.

The 50-to-61-year-olds had 6.4 million borrowers. The 24 and younger group had 7.8 million borrowers, and the 62-and-older group had the least borrowers at 2.4 million. 

The student loan data by age paints a fascinating albeit grim picture of debt. The 50 to 61 age group was the most affected by student loans, followed by 35-to-49-year-olds. 

Many factors affect the total loan debt amount by age, including the number of borrowers, of which the 25-to 34-year-olds had the most.

Parents and guardians have to think carefully about how they will fund a child's college experience.

Massive tuition increases have set the stage for this kind of financial pressure. It's simply a lot more expensive to go to college than it used to be.

Here are some of the top tips for household planners who are wanting to send a kid to college, without ending up with empty pockets. (Some of these can be combined with other strategies later, like medical school student loan refinancing.

If you are trying to support a child's education in the most affordable way possible, the first place to start is with the federal FAFSA program.

This government program was set up to provide financial assistance to families who have promising young learners, but not as much capital to send their children to school.

Here it makes sense to really drill down into the nuts and bolts of how FAFSA calculates financial assistance. Know your household income and other key numbers, to support a claim for help from the government in order to get your child enrolled without spending an arm and a leg.
​
There are also grants that your young learner can apply for, in order to offset some of their college costs. Then later they can also pursue subject-specific solutions, for example, medical school student loan refinancing or otherwise micromanage any personal loans they have taken out.

​Good extracurriculars, volunteer history and other extras are good for a college application, but they can also be good for your student’s college experience in another way – by lowering costs.

This comes in the form of a scholarship, which may be awarded according to aptitude. So if your student has a better GPA, better testing scores, better extracurriculars and more, he or she could qualify for a range of scholarship options. Many of these scholarships are for specific aptitude in a particular type of academics or sports.

Some scholarships also work based on need or eligibility, so be sure to look for all of your options to save money on a college education, in addition to a plan for student loan refinancing or optimizing college-related personal loans.

Your next stop on the college funding line can be the range of federal and private student loan programs that will help your child to fund education without siphoning all of that money from your household budget.
College loans are now standard for many students. They allow the students to learn first, get the degree and get appropriate jobs, in order to start to pay off the loan after graduation.

Take a look at programs like the Federal Perkins student loan program that may have a lower interest rate and better repayment terms than a range of private loans.

If you do end up taking out private loans or similar personal loans for college, make sure you get the best APY and lowest interest rates possible. With relatively low interest rates these days, it should be possible to get loans that don't require as much interest repayment over time. That will come in handy with medical school student loan refinancing or other proactive ways to manage the college bill later.

As you're getting these loans, think about what the financial picture will look like after graduation.

Many of these loans have deferment options in case your student gets behind in payments.

You can also look at things like medical school student loan refinancing, where a plan to refinance can decrease the monthly amount that your graduated student must spend as he or she works off the student loans in question.

​Where do you find affordable tuition?

It's a good question, and it's one that a lot of families are asking.
One of the first avenues of inquiry is a community college, where students can learn at a fraction of the cost of most private universities.
Some even pursue a deliberate strategy to earn most of their credits at the community college, then transfer to a more expensive school later and bring their existing credits with them.

This is often a workable strategy. Households can also look at their status as in-state residents in order to get specialized lower in-state tuition rates at state schools.

All of this will help you to get a handle on how to fund your child's education in a time when it's one of the biggest costs you'll ever take on. Having a college fund handy is a big help, but these aforementioned tips (and efficient personal loans) will also lower the amount of financial pressure you feel as your child heads off for their journey in higher education.

You're a decade or two into your employment and may be thinking about retirement. But, before you do retire, you'll want to leverage your experience to stay productive in retirement. It may be easy to get things done in your twenties or thirties, but retirement can be a different story at forty or fifty. If you're finding it challenging to remain productive in retirement, here are some helpful tips to help you get back on track.

Retirement can be a tricky transition for many people as they're leaving behind the structure that was their workday. It's one thing to be excited about the things you'll be able to do in retirement, but it's another to keep yourself busy and motivated when there isn't someone assigning tasks or deadlines.

1. Plan ahead
   The earlier you start thinking about what you'll do in retirement, the better off you'll be. Set goals for yourself, so you have something to work toward during your later years. These can be individual goals like learning to play an instrument or mastering a new language.
   
   They can also be travel-related goals, such as visiting all 50 states or travelling worldwide. Planning gives you something to look forward to once your career ends.
   
   Maybe you've always wanted to learn how to play the piano or speak Mandarin. Well, now's the time to give it a shot! Studies have shown that having concrete goals can help us stay motivated in our golden years and take advantage of our brain's plasticity (its ability to adapt and change). Be sure to include financial goals in your plans so that money won't be an issue when it comes time to retire.
   
   The best way to boost your retirement productivity is to plan. The earlier you start thinking about what you'll do in retirement, the better off you'll be. Set goals for yourself, so you have something to work toward during your later years.
2. Learn new things
   
   Retirement opens up a world of possibilities for taking classes or learning new hobbies and skills. You may find an interest that becomes a passion or even a side business. Take an inventory of your skills, interests, and hobbies. Your interests may have changed over time. Retirement is an excellent time to explore them. The best way to get the most out of retirement is to take advantage of the opportunities it creates.
   
   If you don't know what you want to do, start by finding a question that is driving your life. Identify your skills and hobbies, and then find a way to put them to use. You may want to start small with a side business or volunteer activity. It's also a good idea to explore topics that interest you outside your job, such as history, philosophy or religion.
3. Get fit
   If you've been putting off exercise because of your busy schedule, now's the time to make physical activity a priority in your life. Regular exercise can help prevent illness, keep your weight down and improve your moods, making it easier to tackle other goals on this list.
   
   Stay active by exercising regularly and eating healthy foods. Regular physical activity helps reduce your risk of heart disease and diabetes while lowering blood pressure, boosting mood, improving cognitive function and increasing energy levels.
   
   Physical activity is also a great way to keep your mind sharp as you age. It improves memory and mental acuity, making it easier to tackle new goals in life and make plans for the future. As you get older, regular exercise can also reduce the risk of falls or accidents.
   
   Although you might not be able to go running every day at 70, there's no need to stop exercising altogether once you reach 65. Even small amounts of physical activity can benefit your health and lower stress levels while improving brain function.
   
   
4. Keep Working
   It may sound counterintuitive, but one of the best things you can do for your health and longevity is to keep working after retirement.
   
   Studies show that continuing to work even just a few more years can add up to seven years to your life expectancy — and those are good quality years. Plus, the longer you wait until retirement, the better your chances are of having enough money saved up to last through your retirement years.
   
   Another benefit of keeping up with work is that it keeps you active and engaged in society, which helps fight off depression. Plus, who wants to sit around all day doing nothing? If you love what you do or enjoy the people you work with, there's no reason not to continue working as long as possible.
   
   
5. Start a part-time job
   One way to stay more productive in retirement is by finding a part-time job if you have time. You don't have to spend 40 hours a week at work, but having something small to fill up your mornings, afternoons or evenings can help keep you from getting bored and losing productivity. Plus, you'll need the extra income if you want to retire early.
   
   Volunteering is a great way to get out of the house and keep yourself busy while doing something good for others. There are thousands of volunteer opportunities available throughout the country. Consider volunteering with a non-profit organisation whose mission resonates with you. If you want to continue making a difference in the world, volunteering is one way to do so after retiring.
   
   You could volunteer at your local hospital or nursing home, or perhaps you would prefer to work at an animal shelter or soup kitchen. The best part about volunteering is that there is a suitable job for everyone – you have to find it!
   
   If you want to contribute, volunteering is one way to give back and make a difference in the lives of others. It's estimated that about one in four adults between ages 45 and 74 volunteer for non-profit organisations and that 55% of these volunteers are retired workers.www.frontiersin.org/articles/10.3389/fpsyg.2019.02647/full
   
   
6. Be realistic about your skills and abilities
   Your life has changed since your working days — as has your physical condition — so look for opportunities that fit your strengths and interests.
   
   If you're looking for ways to stay more productive in retirement, remember that your skillset is a product of your life experience, so be realistic about what you can and can't do.
   
   For example:
   Many people assume that if they've been out of work, they'll be able to pick up their old job efficiently, but it's often a different story once you move into the new workplace.
   
   You might be able to use all or part of your old skills and knowledge, but that doesn't mean it will translate easily into the new environment. Maybe you never developed those skills in the first place. Perhaps they were buried beneath years of other responsibilities.
   
   
7. Define Success in Retirement on Your Terms
   The first step in being productive in retirement is to develop a vision for how you'd like to spend your days. Some people enjoy focusing on spending more time with family or embarking upon new adventures, while others like staying involved with their careers or volunteering for causes they care about.
   
   Whatever your plans may be, it's essential to have a vision and make sure it aligns with your goals. If you're unsure about what you want to accomplish in retirement, it can be helpful to try out different activities and see what brings you joy.
   
   Taking the time now to assess your values and preferences will help you take advantage of the opportunities that align with your goals and avoid those that don't. For example, if you're an introvert who's always dreamed of travelling, joining a tour group might not be a good idea because you'll feel overwhelmed by forced social interactions.
   
   
8. Establish a Routine
   Just because you aren't going into the office every day doesn't mean you need to relinquish structure from your life. Having some routine can help maximise productivity in retirement. Doing so creates healthy habits and gives you something to look forward to each day.
   
   Creating a daily schedule with some structure can help you keep on track and stay productive. You can leave room for spontaneity, but building in an hour or two of quiet time for reflection — and maybe even meditation — can help you feel more grounded and less stressed.
   
   A crucial part of this is to have some "end" to your day, which might be as simple as shutting down the computer, turning off the television and picking up a book before bedtime. Develop a healthy routine — get enough sleep and eat right.
   
   
9. Maintain Positive Relationships
   Maintaining strong relationships with loved ones will help you stay happy and healthy in retirement. Just because you're not working anymore doesn't mean you have less time to spend with them or share special moments.
   Maintaining good relationships is also a great way to fill your days and keep yourself occupied when you're not working. Research shows that an excellent social life after retirement is an important factor in staying independent and healthy, both mentally and physically.
   
   
10. Create a Budget and Stick to It
    The first thing you need to do after retiring is create a budget. Pay careful attention to the sources and amounts of your income and your spending. Consider both fixed expenses and discretionary spending. Your nest egg isn't last forever, so make sure you're not spending irresponsibly.
    
    It can be tempting to splurge when you retire, but maintaining a budget is essential, so you don't deplete your savings too quickly.
    
    If you've been working in the traditional sense for most of your life, then retirement can be a welcome relief from the hustle and bustle of the ordinary world. But that doesn't mean you should let go of all that hard-earned discipline. Good money habits are critical in retirement.

Wrapping Up
Many people look forward to retirement, particularly as the years grow longer for them. However, some retirees may find that they begin to feel unsatisfied with their new lives. One of the best things you can do after retiring is to make sure that you stay productive. If you want a detailed analysis of your productivity during this sensitive time in your life, you can try out Timedoctor's productivity benchmarking tool. That said, use the tips we've outlined here to help you stay on top of your game during retirement and ensure a fulfilling life. 

​Relocating to a new home always comes with a lot of stress and emotions, especially for seniors. Sorting things and packing is draining, but letting go of so many memories is the most stressful for them.

They will be leaving behind friends and routines that they have already established. It is harder for the elderly to uproot themselves and welcome change in a new place. Emotional stress is often a bigger factor than everything else. Here are some tips to help relieve some of their stress during the move.

When moving seniors to a new home, there is no such thing as planning too early. There are many things to take care of, like preparing the new house, transferring medical records, figuring out travel options, and more. You also need to consider health problems that could occur during the move and seasonal complications.

Planning ahead of time reduces stress a lot, both for you and the seniors. It also gives you enough time to assist the elderly in transitioning to their new home. Help them sort out which things to take, donate, and leave behind.

It also gives you enough time to consider whether you need to rent storage and look for professional movers.

​Saying goodbye to the house filled with memories and their already established routines is a major cause of stress for elders. Having friends and family around while packing could bring them comfort.

Even if you plan to hire movers, taking it slow and giving them a chance to reminisce with loved ones will help ease the transition. It will also cheer up your seniors to let them hand over the items they wish to leave behind.

Let the experts deal with the hassle and do the heavy lifting for you. Professional movers are equipped and experienced in dealing with moving seniors. Find insured and licensed movers to 

• Sort and pack your items professionally and with care 
• Help you with unpacking, electronics installation, and furniture setup 
• Take care of the disposal of items you’ll be leaving behind.

If your family owns a car, you might want to consider looking at car shipping companies. It is impractical to ask seniors to endure a long drive. Shipping your car will be safer and more convenient than having to drive it to your new home yourself. Plus, this could save you time and money.

​It is best to pack essentials, such as prescription medications and important documents, in a bag that is convenient to bring with you when you move. It wouldn’t hurt to have some comfort items for seniors, too, such as a travel blanket or a small pillow.

You can pack an “open me first” box containing items you will need immediately after moving. These should include toiletries, utensils, and a change of clothes. This way, essential items are easy to find among the mess of unpacked items when you move in.

​Take care of this in advance. Meet with the new medical providers in the area ahead of time. Request the transfer of medical records, and sort out the details of your insurance coverage in the new home state to avoid unnecessary delays in the delivery of medical care.

Elders need their routines for comfort, especially seniors with dementia. But most importantly, they need to feel involved. Set aside time to let them familiarize themselves with the area before moving in. Look at the local activities for the elderly in the neighborhood so they can form new social circles. Give them plenty of time and support to adjust to the new environment.

Try arranging and decorating their new living space similar to the old house. It will give them some sense of familiarity that could ease their emotions.

​Moving might be a hassle, but remember to be patient. Give your senior family members enough time to say goodbye to their old house and routines. Take lots of pictures as souvenirs to help them look back on fond memories. You could even consider throwing them a moving away party to help them move out on a positive note.

It used to be hard to find ways to make some extra money in your spare time. Getting a second job severely limits your flexibility, for example. However, with the rise of the gig economy in this digital age, there are more options than ever to find extra work. One of the more popular options is ride-sharing. 

Lyft is one of the top ride-sharing services, and they are always accepting drivers to transport riders around their cities. The drivers and riders use an app to connect and find routes to various pickups and destinations. On the surface, it seems pretty simple to become a Lyft driver. You sign up to the app, get in your car, and away you go, right? Well, not exactly. Specific requirements must be met, and you must do certain things to sign up. Here are the steps you need to take to become a Lyft driver.

Not just anyone with a vehicle can start driving for Lyft. Before you can even think about applying, you need to meet specific standards that they have set. These are to ensure that all of the drivers representing their company are legally able to drive safely. For starters, you must be at least 21 years of age. In addition, your driving abstract should be clear of any violations for the prior three years. For at least the last seven years, they can be driving felonies, such as a hit-and-run, drunk driving, or DUI. 

Along with a driving background check, you will also be subject to a criminal check. This is to make sure that you are trustworthy and safe. If you've had any felonies in recent years, such as thefts, property damage, violent crimes, and sexual assault, you will not be eligible to drive

Lyft will not provide education or training to help you get a driver's license. You must already have one before you apply. Not only that but your license must be issued by the state in which you want to drive. If you have recently moved to your state, you will have to get a new license before you can drive. On top of having a valid license, you will also need to have one year of experience under your belt before Lyft will take you as a driver. If you are new to the state, you may have to get your records from your old state to prove that you have that year of experience.

Your plan may be to use your personal vehicle for your ride-sharing work. That's fine, however, you need to know that you may not have insurance coverage for when you are acting as a Lyft driver. Your personal policy does not cover work-related activities. Being a Lyft driver carries more risk than regular use since you are on the road more often, carrying passengers for whom you are responsible. Make sure that you get essential business car insurance coverage so that you are fully protected under a commercial plan. Your policy must be for the specific vehicle you are using to drive with Lyft, and it must at least cover your state's minimum.

Being a Lyft driver means putting a lot of extra miles on your vehicle. Not only that, but you will have paying clients in your car every day. This means that your car has to be in good condition, and it must be clean at all times. Lyft also has specific standards that a vehicle must meet before it can be driven for them. 

The vehicle must be less than 15 years old and in good condition. There should be no visible damage, and the tires must be in good condition. All Lyft vehicles must have four doors with handles on the interior and exterior. All safety features, such as lights, horns, and seatbelts must be in good working order. Your car would be examined regularly by a licensed mechanic to ensure no issues with the engine, transmission, or brakes. 

If you don't have a car, you may still be able to drive. You will just have to rent from an approved provider. The issue with this is that rental costs can take a big chunk of your revenue, so you will probably want to start working towards buying a car if you're going to be a Lyft driver.

Once you have everything ready to go, you can apply online. This will involve filling out a survey and entering in your personal information. Next, Lyft will look over your application and determine if you qualify to move on to the next step. At this point, they will run your background check and check your driving abstract. This process can take up to a week, and if you are approved, you can move on to the next stage.

​This step might remind you of your teen years when you were just starting as a driver. First, you will meet with a Lyft representative to show them how you drive. Then, they will ride along with you as you follow instructions and routes. If you pass this part, they will send your information to Lyft, and you can then be qualified as a Lyft driver. It never hurts to ask some questions at this point to get any information that you think you might be missing.

​Once you've passed the driving requirement, you are ready to go. The first thing you need to do is download the Lyft app onto your phone. Through this portal, you will connect with riders and answer pickup requests. Riders will also use this app to order rides, make payments, and provide reviews. At this point, all you need to do is decide when you want to work and for long, and you are good to go. 

Unfortunately, you can't simply hop in your car and start being a Lyft driver. They want to ensure that only good drivers are connected to their brand. It's an excellent option for making some extra money on the side, but make sure to follow these steps, and you will be on your way to a fun and exciting new venture.

Global life expectancy has increased by around 30 years in the past few decades. This indicates that the standard of healthcare has improved significantly over the years. However, is the quality of care equivalent to the quality of life for senior citizens? 
Senior citizens are often seen to be spending their last years alone as their loved ones get preoccupied juggling their own lives. They may start to think they have lost meaning in their lives, which majorly impacts their health and lifestyle. Studies show that various problems related to aging occur because of a lack of purpose and appreciation for life. If such is the case for you, let’s discuss a few ways you can take care of your health and improve your lifestyle.

As you age, you are more likely to spiral into loneliness, leading to depression and other illnesses. What follows is isolation from everything and everyone you care about. Call and visit your family often. Reach out to your friends and invite them over to engage in simple activities like playing bridge or cooking a hearty meal together. Interact with neighbors by greeting them in passing and striking up a conversation. Push yourself to make contact with the world around you, and join programs that indulge your hobbies. Time spent with good company is precious and can help uplift your spirits.

For adults aged 65 and above, it is recommended to carry out 150 minutes of exercise every week to strengthen muscles and improve balance. Good health is key to maintaining your physical abilities, and it instills a sense of pride, confidence, and independence that elevates mental health. If you feel limited due to a disability, you should consider investing in mobility aid upgrades that encourage and empower you to keep moving.

Frequent doctor checkups are advised for all age groups, but they become especially important when age starts to wear you down. Empty nesting syndrome, retirement, moving into retirement homes, and cognitive or hearing impairment are a few reasons why senior citizens are more prone to mental illnesses like depression. A doctor can help you recognize mental illness symptoms or provide solutions for pre-existing diseases, such as recommending hearing aids to prevent your health from deteriorating.

​Not only does organizing your home keep you occupied, but it can also help you reduce anxiety. Get the help of your loved ones to label different sections in your house so that you can navigate your home more safely if you face memory problems. You can also hire a home safety company to perform a thorough safety check to eliminate any risks in the house. This helps make it easier to perform tasks such as doing laundry, cooking, or babysitting, and keeps you active while ensuring your peace of mind.

​After years of hard work, you want your retirement years to be free of stress and allow you to spend more time performing activities you enjoy. Your life doesn’t need to be mundane and frustrating; there are various lifestyle changes you can adopt to live a more fulfilling life with a strong sense of belonging and connection. Don’t hesitate to reach out to your community in times of need, and don’t let old age prevent you from participating in all the activities that bring you joy.

When it comes to moving to a new home, even if you're moving to a retirement community, you could try and arrange it all among your friends or hire professional movers to avoid causing yourself tremendous stress. We think some services don't need a professional, but as is the dining table in an amateur carpenter's kitchen, that thinking is skewed.  

A professional moving company can help with a number of the most challenging aspects of your move. Moreover, because they know what they are doing, there is far less risk of your stuff getting damaged or lost in the move. So how do you choose a reliable moving company? What should you look out for?

​This one is a bit trickier than you may think. Depending on your career, you may deal directly with clients occasionally. You will know that the customer is, indeed, not always right if you do. 

There are cases where people are impossible to please and looking for a reason to find fault with a service.

We mention this because when you search online for a moving company, you will not find one that has no negative user reviews, not unless they are relatively new. 

The best way to judge whether a company is good is to look at the average ratings on various consumer service websites and social media.

​Some moving companies specialize in large, long-distance hauls. Such companies generally use large trucks and several movers to help the client in the move. 

If you are moving out of your first apartment after college with nothing but a couch, many heavy boxes, and a microwave to your name, large-scale moving companies will be overkill. So instead, you would rather use a smaller, local moving company. 

When you first speak to a moving company about the quote, ask them about the type of vehicles they use to haul moves and how many movers they assign, which brings us neatly to our next point:

​Before you consider a particular moving company over another, you need to have as many quotes in hand as possible to determine the costs of a moving service. There are a couple of logical reasons that this is critically important. First, to compare pricing in detail.

One company might charge slightly less per mile but make up for it with a higher charge for multiple moving vehicles. In addition, different moving companies have different rates for labor. Some charge for time spent unpacking. Others factor all these expenses into a single cost.

It can become very confusing very fast. Take your time to ensure that you have sussed out any hidden costs and exactly how each company came up with its quote. 

Once you are sure you have the quote that offers the best value (not the same thing as the cheapest service out there), you should speak to a company representative to confirm that your understanding of the cost breakdown is accurate.

Weighing in these critical factors will lead you to the most suitable moving company.

​Although retirement might feel a long way off for some of us, it’s something you should begin investing in as quickly as possible. The earlier you start building your nest egg for retirement, the more cash you’ll have to tap into when you decide you want to stop working and enjoy your golden years. Of course, even if you do start saving early, there’s still a chance that countless factors in your life might leave you wanting to add a little more to your pension pot. If you’ve checked your retirement savings recently, and you’ve decided you’re not entirely happy with where you are, don’t worry. Here are some quick tips you can use to improve your chances of getting to where you need to be.

​Contributing to your retirement fund, emergency cash, or any form of savings can be difficult if you’re struggling to make ends meet. Re-working your budget and considering where you might be able to save back some extra money could be the best way to achieve your goals. Look at the current expenses you have to deal with each month? Is a significant portion of your budget going towards interest for some high-interest student loans? If so, you could potentially look into refinancing those loans with a lender online, and cut down on your monthly repayments. This frees up more money for your savings, without asking you to change too much about your lifestyle in the short-term.

It’s easy to forget about your pension and retirement savings when there are a million other things vying for your attention. Automating your savings means you’re less likely to use the money you would dedicate to retirement for something else, like fixing your car or replacing something in your home. You can also automate saving some extra cash for an emergency saving pot at the same time, so you always have some extra money when you need it. Think about how much you can reasonably afford to put aside each month, and put your savings on auto-pilot. Every so often, check your budget again and ask yourself whether you can afford to upgrade the amount you’re saving. This will help when you want to entertain yourself during retirement because you will have some easily accessible funds to do so as opposed to other savings options where there are terms and/or penalties for withdraws.

​Even if you already have a 401(k) with your employer, that doesn’t mean you have to limit all of your retirement savings to one basket. You can also establish an individual retirement account too. A traditional IRA could be ideal for you if you’re participating in a workplace retirement plan, and some contributions are even tax deductible. A Roth IRA is more likely to be the ideal choice for you if you meet with the phased-out modified income limits, based on your tax filing status. If you’re not sure what kind of IRA might be suitable for your needs, it’s worth talking to a financial advisor about your options. There are plenty of financial experts out there who are often willing to offer initial consultations for free, and they can often give you extra advice on how to save.

The Know Your Customer (KYC) phenomenon is a significant trend in digital business and online operations. It's something that executives and top-level planners pay attention to for a reason!

Why is that? Well, new decentralized systems and blockchain technologies have opened the doors for many transactions and digital interactions that aren't verified traditionally. People started worrying that these types of anonymous businesses could facilitate various kinds of fraud, and experts show how this works in dark markets and other fraud scenarios. With the anonymity of bypassing traditional verification, it's all too easy for criminals to reach in and collect from their victims. For example, modern ransomware attacks often involve these digital pirates demanding Bitcoin in payment.

So what is KYC? Essentially, it's the process of achieving customer identification, or a kind of verification of its own kind, to ensure that a platform isn't allowing users to launder money or conduct other kinds of fraud or criminal activity.

So here are some of the ways that planners can use effective KYC to their advantage to crack down on the unscrupled and limit the potential for fraud and abuse.

​First of all, it's important to know what data the company needs to get from customers. There are two aspects to this. First, it helps to think about what's practical for anti-fraud protection, and secondly, operators should consider what helps with relevant compliance. Agencies like the SEC mandate KYC and AML compliance for business operators of some kinds, and compliance is a necessity, not a "nice to have" in these fields. Put that data to work for anti-fraud results.

After planners have put together this list of critical data, they need to seek it from their customers in convenient ways. Designing a better user interface will help achieve the KYC results you want without turning potential users off with draconian KYC requirements and laborious data standards.

One aspect of this, for example, involves showing users WHY they are doing something. That can be done with an intuitive icon opening up a drop-down box or just a disclaimer in red. Whatever the engineers come up with. The point is that there's more engagement and participation, which makes the average user more likely to go along with a KYC process. That will help with fraud!

Different kinds of electronic Know Your Customer implementations are all the rage. Some of them involve using biometric information or modern kinds of remote verification that will streamline the interface in the ways we talked about above. Make e-KYC part of the anti-fraud design.

​In the KYC process, the smartphone is the stakeholder's best friend. It allows this process of making the KYC compliance easier from a customer's point of view. It also helps with inherent verification and anti-fraud standards. That's why multifactor authentication is so vitally important in any kind of digital activity, not just those built on the blockchain. The smartphone is the verification device for everything from online banking to e-commerce and everything in between and beyond. So use phones and MFA to deter fraudsters.

​Businesses can also use a series of registries to implement KYC.

The registry is an example of a build type that experts call "cKYC" or central KYC. In a sort of data center structure, it keeps all of the critical KYC information for exchange users.
​
Without this, users in some systems would have to submit KYC information multiple times throughout a transaction life cycle. So the cKYC system is growing in popularity and utility for these types of interface designs. Registries can also help to spot and prevent some types of fraud.

Another good KYC tip is to always check whether newly onboarding customers are subject to the designation of a Politically Exposed Person or PEP.
​
This kind of research is part of the screening process that can help maintain KYC compliance in a particular part of this industry. The shorthand helps auditors and others to know whether some user has a hidden motive for some type of crypto use.

There's also a kind of popular 'beyond the perimeter' approach to KYC that suggests you need to keep identifying customer behavior after someone has been brought into the walled garden.
That's part of that idea with traditional KYC: screening can happen at the point of transaction or beyond.
​
Those philosophies continue to drive innovation and KYC for exchanges, money transmission businesses, and similar operators who need to know what's best practices in the industry and how to implement those best practices for themselves — screen customers for better anti-fraud protection.

Documentation is also key to one of these approaches. It's helpful in an audit situation, and it shows people how things have been set up and why.
​
Take advantage of these tips for improving KYC for a money business adjacent to the blockchain. Go confidently into the new blockchain world with KYC processes that work.

Medicare was established in 1965 to help provide healthcare coverage for the elderly in the United States according to Clearmatch Medicare. It is a federally administered program available to citizens or permanent residents who meet certain qualifications. Medicare offers different types of coverage, for which you must either be a part of a group plan through an employer or an individual with their plan that meets specific requirements.

To qualify for Medicare, you have to be 65 years old. You also have to have been a citizen or permanent resident for at least ten years before becoming eligible for Medicare. In addition, your income must be below specified limits, and you must not be enrolled in an affordable health care plan via your employer or Veteran's Administration coverage. Certain persons, such as people with terminal illnesses, may be eligible for additional benefits not available for others. Eligibility depends on certain financial requirements.

Medicare is an extremely expensive program with an annual price tag of $440 billion. The annual price tag is made up of the following:

• $100 billion to administer the program ($18 billion for Medicare itself and $188 billion for Medicaid). 
• $42.5 billion in hospital insurance payments ($17.3 billion for hospitals and $28.2 billion for medical care under Medicare).

You may not opt out of Medicare. However, there are ways to avoid paying some of the increased cost if you are eligible and want to join the program. The amount of income a person receives will determine their eligibility for Medicare. For most people, income is the primary factor determining whether they are eligible for Medicare and Medicaid. However, certain visual and hearing impairments may affect a person's ability to qualify or receive certain benefits under eligibility standards.

Several government programs cover different kinds of health care services and supplies that children may use in situations where no adult family member can or chooses to do so on their behalf. These programs include low-cost health insurance plans sponsored by individual states, federal programs, for instance, Medicaid, and the Children's Health Insurance Program (CHIP).

While Medicare does not offer dental or vision care coverage, CHIP does. Medicaid covers eye and/or vision care in each state through a managed care plan. Medicaid also provides coverage for children when their parents have low-wage jobs or are unemployed (not necessarily because of pregnancy) and unable to provide dental or vision care. Medicare is divided into Part B, and Part D. Part A covers hospital coverage for under $1,036 per month per person. Part A also covers the cost of outpatient services but does not cover long-term care or dental care. Medicare Parts B and D provide medical insurance or prescription drug coverage, respectively, to those age 65 and older.
​
The Medicare program serves as a role model for healthcare reform in other countries because of its degree of acceptability among the citizens it serves (e.g., it is consistent with people's ability to pay and their value system). Its success in reducing health care costs without damaging the quality of care is also a motivating factor.

Each state has a different program that offers health insurance plans for low-income people and little or no medical coverage. The main focus of this plan is to provide insurance for people who have children, although some plans may offer limited coverage for adults. In general, if you are under 65 and receive social security disability benefits, you may be eligible for Medicaid (usually the ones considered the "disabled").

Most of these programs cover care that is medically necessary. Examples of this include but are not limited to:

• Prescription drugs
• Eye care services
• Emergency room visits

Children, in general, are not entitled to all of the same health care benefits that adults have. The main exception to this rule is that all states have children's Medicaid programs (CHIP). CHIP provides benefits for children eligible for Medicaid but still have lower incomes than the eligibility requirements for most other government programs. As a result, some of these programs and services do not cover all of the same healthcare services available for adults. However, each state also has different requirements for their CHIP plan and may cover different services depending on a child's age.

For low-income families, Medicaid allows children and their parents to get medical care not covered by Medicare and CHIP. This means that if a parent has a health problem, such as diabetes or asthma, that can be treated with medication and/or health care, coverage for these services may be available under Medicaid. In general, children in low-income families will not have to pay deductibles or copayments from the program.

Medicare has transformed healthcare services provided in the US, covering so-called 'hidden populations' of poor and disabled people who are well below the poverty line. Healthcare coverage in Sweden, Norway, and Germany, for example, is means-tested, as it is in Australia. But unlike these countries, the US has opted for voluntarism as a way of extending coverage to low-income families: the gap between rich and poor is bridged by voluntary contributions from those with higher incomes. Families eligible for Medicaid may get assistance paying premiums on private health insurance plans through Medicare HealthChoice. State Medicaid agencies may provide information about the program and what it covers.

However, some services may not be covered by Medicaid, including long-term care and dental services, regardless of a person's age. Each state makes its own rules regarding coverage for Medicaid, so it is best to see what your state offers for children, as well as adults. Also, social work organizations or community health centers can help you find out if you are eligible for public health insurance programs such as Medicaid or CHIP.

Unlike other lawsuits, personal injury cases are usually straightforward. A persons’ negligence inflicts injury to a third party; the injured person files a claim and collects compensation from the insurance company. Cases with some gray areas may force the complainant to file a lawsuit. Unfortunately, this isn’t always the case.

Complications affecting personal injury cases may arise due to several factors. Advancing age is among the reasons your personal injury case stagnates. If the person affected by the injury is a senior adult, their age affects some aspects of the lawsuit. However, this doesn’t mean they shouldn’t pursue the case. Working with a Pennington Personal Injury Lawyer can help senior adults litigate their claims.

Any person who sustains injuries due to accidents or other causes that qualify to be classified as personal injuries is entitled to a settlement that covers the cost of damages and associated issues. They can’t collect compensation for pre-existing injuries or health conditions. The defendants’ insurance company will try to raise an argument that most, if not all, of the injuries existed before the accident in a bid to lower the settlement amount.

Unfortunately, the insurance company will try insinuating that all the injuries or conditions present were pre-existing for seniors. This is because senior adults have more health issues than young people. Besides, they are more prone to serious injuries than young people. An accident that causes minor injuries to a young person might cause disastrous injuries to old adults.

​Insurance companies and the defendants’ lawyers will want to take advantage of the combination of pre-existing conditions and a high likelihood of developing serious injuries to reduce the settlement amount. Fortunately, this ploy isn’t guaranteed, and a personal injury lawyer can prove that the seniors’ injuries were true due to the accident.
There are some cases where the senior citizen truly had pre-existing conditions, but the accident worsened the situation. Regardless, the injured person will still receive compensation for the injuries that worsened their existing conditions.

Apart from visible injuries, personal injury lawsuits often include compensation for pain and suffering endured by the affected person. Unfortunately, young plaintiffs tend to receive more compensation for pain and suffering than seniors. This is because young people will likely experience pain for a long period.

Loss of income or working capability is another thing that affects the outcome of personal injury cases. If the senior is retired or has a light work schedule because of their age, they won’t be awarded the same amount as someone with a full-time working schedule. However, juries often tend to be compassionate to old adults, and there is a chance of being awarded substantial amounts if the personal injury case ends in court.

Recent U.S census data estimates that 16.5% or 54.1 million Americans are aged 65 and above. While everyone is prone to accidents, there are specific injuries that most likely affect seniors. Unfortunately, most cases involving seniors go ignored or overlooked because of intimidation or personal capacity. If your senior adult sustained personal injuries, contact a personal injury attorney for help.

​Many people could use a miracle cure-all these days, especially those of us who suffer from chronic pain, anxiety and/or cancer-related symptoms. So, it's no surprise that we're seeing a lot of searches for CBD oil. Can we, however, rely on CBD oil to provide the relief we need for our symptoms? Why CBD oil may not be as helpful as explained in this article.

The cannabis Sativa plant contains more than 100 different chemical components, one of which is CBD or cannabidiol. When you take a hit of marijuana, you get a blissful high thanks to THC (tetrahydrocannabinol).

CBD oil is just a topical product containing CBD extract and an oil, such as coconut oil. You won't get high because it's derived from hemp, a form of cannabis with a low THC content. Tere are also vegan friendly products, you just need to carefully read the label before checking out.

Since the 2018 Farm Bill went into effect, the manufacture and sale of CBD products in the United States have been permitted on a federal level as long as they contain less than .3 percent THC. Some state laws, on the other hand, make it unlawful.

Purified CBD appears to have a variety of health benefits. Because of the function it plays in the development of our brain and neurological system, the endocannabinoid system must be taken into account in order to fully appreciate these advantages.
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In addition to pain, movement, memory, appetite and inflammation, this system helps regulate a wide range of processes. We can learn more about how CBD affects various illnesses and disorders if we focus our research on these specific areas.

CBT is a kind of psychotherapy that is effectively being used to treat drug abuse issues. This is why there are growing innovations in addiction rehab when it comes to Cognitive Behavioral Therapy.

CBT is often used to treat mental illness, anxiety symptoms, phobias, and other mental diseases, but it has also been demonstrated to be beneficial in the treatment of alcoholism and drug addiction. This is particularly true when it is part of a larger treatment program.

Addiction may alter the mind, resulting in an unpleasant situation of negative ideas, fluctuating emotions, and drug-seeking compulsions. These aspects, when combined, may influence how a person responds to their encounters and alter how they interpret their drug use.

Addiction experts at services such as United Recovery CA utilize CBT to address and disrupt these negative thinking patterns, as well as improve the way you react to stress.

Here are some novel methods in which CBT might aid in addiction recovery.

Thought Journals
Those in therapy may evaluate their instinctive negative beliefs and search for objective data to support or refute them. They examine and contrast data for and against their instinctive thoughts. By critically assessing what they're thinking, the idea is to assist individuals to think healthier and with less harsh views.

Behavioral Experiments
The purpose of CBT behavioral trials is to counter negative with positive thinking. In other words, some individuals may react better to self-compassion while others may react better to self-criticism.

To modify our behavior, we should first comprehend how we process information. Behavioral studies are all about discovering what drives you to cope and then using that knowledge to change unfavorable thought habits.

Exposure Based on Imagery
In this practice, persons in recovery recall a memory that evokes strong negative emotions. They record every sight, hearing, emotion, idea, and impulse that occurs at that time. The addict can minimize the anxiety induced by terrible memories by revisiting them regularly.

​Schedule of Pleasant Activities
It is critical to create a routine that both satisfies and fuels you. This CBT strategy assists the patient in developing a running tally of healthy, enjoyable activities to help break up everyday routines. The purpose of these exercises is to promote happy feelings.
Scheduling these activities may also aid in the reduction of negative cycles.

CBT's aims will include being aware of one's incorrect thinking patterns that are causing difficulties in one's life and comprehending such reasoning in light of truth. CBT also teaches individuals to understand their own and others' motivations and behaviors, as well as to utilize realistic problem-solving approaches to address difficulties.

Another objective of CBT therapy is to teach patients how to relax their thoughts and bodies so that they can confront their anxieties rather than escape them.
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• Recognizing self-destructive attitudes and behaviors
• Developing methods to track such mental processes
• Learning to think in new, more flexible ways
• Using previously taught abilities in new contexts and settings
• Investigating novel approaches to dealing with stress and adversity

Innovations in addiction rehab for Cognitive Behavioral Therapy have proven to be quite effective. This approach works by analysis, change, and prevention.

1. CBT works by letting the clients get to the root causes of why they are coping
2. You can challenge your thoughts and get out of destructive patterns
3. Becoming aware of your thought cycles helps you understand yourself better and explore new ways to handle it
4. It teaches you new skills to help yourself
5. It helps you calm yourself

Finally, if you or any person you know is going through substance use disorders, rehabilitation through CBT can prove to be very beneficial. The stigma is huge but baseless, and taking a step towards recovery can change your life.

Retirement may mean you’re free from the workforce, but that doesn’t mean you don’t have to worry about finances. If anything, your financial situation is even more important, especially if you don’t have an income stream. If you’ve recently retired, you might not know where to start when it comes to managing your funds. We’ll be going over a few ways for you to manage your finances and how you can have another stream of income.

​Out of all the investments you’ve made, and will still make in your life, your house is always going to be the biggest. You might even still be paying off the rest of your mortgage. Regardless, your home is your biggest financial asset. If you’re finding yourself short on cash, you can look into taking out a home equity line of credit. A HELOC works similarly to a credit card as you’re able to borrow as much as your home is currently worth and then pay it off over time. You might think that this is for home improvements only. While that’s true, HELOCs are actually just as flexible as a personal loan. You can use it for anything you need. In fact, HELOCs are a fantastic option for retirees as you can borrow on this line of credit for over 10 years.

Since retirement cuts off your income stream, you might be inclined to find a new one. Opening a small business is one of these ways. You may be thinking that doing so will drain your retirement savings. However, there are other ways to fund this project. The quickest and easiest way to get the funds you need is to take out a small business loan. Business loans come in a variety of sizes and some lenders offer their borrowers flexible payment schedules. This can reduce some of the money stress that comes with paying off the debt.

Retirement isn’t just a one-and-done plan. You need to continuously go over your financial situation and make any necessary adjustments as time goes on. Why you need to do this is because you never know what could happen in the future. For all you know, you might have to pay an expensive medical bill out-of-pocket. Or you’ll find yourself needing to find a post-retirement part time career and re-enter the workforce. Either way, it’s important that you remain on the ball with your finances and be prepared for any unexpected situation.

​If you’ve managed to secure some stocks and are currently investing into them, retirement lets you keep a closer eye on what’s transpiring. And if you’ve been investing into them for years, you might have built up enough value to sell them off. For newcomers who are interested in investing, it’s important for you to learn all there is to know. You might have enough saved to invest, but one wrong move, and it can drain your retirement savings.

Lots of people want to change up their sleeping space as part of a rejuvenating renovation of their homes. But what if you only have a weekend to do it?
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Lots of us are looking for tips for bedroom makeovers that don't require a huge budget or weeks of work. Here are some interesting ones that can help you to get a whole new experience at home in the nighttime.

New furniture doesn't require you to tear into load-bearing walls or replace fixtures. You just tote the old stuff out and bring the new stuff in.

Some people like to find traditional wood furniture in local used furniture stores. You can find amazing craftsmanship for very low prices, and refinish or refurbish as needed before installing in your sleeping space.

Others like the brand-new modernist stuff, and you can often get this type of new furniture at affordable prices, too.
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Think about adding something that won't take up a lot of floor space, but will add value to your bedroom in terms of storage, seating or other purposes.

It used to be that lighting was often part of a major renovation of a building!

Not anymore. Versatile LED lights throw less heat and use less wattage than traditional incandescent bulbs. They’re also easier to install, in many cases.

You can choose from rope lighting, track lighting, an additional bedside lamp, automated lighting that you control with your smartphone…
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The list is nearly endless, and it doesn't take a lot of time or money to change your bedroom in this way. So take a look at the lighting you can find to cast and show off your bedroom in a new way.

Think about getting a new modern mattress with brand-new technology for a better night’s sleep. Look at mattress dimensions and whether you would want a soft or firm mattress, and think about how your mattress will fit into the room and its creative design as a whole.

As for storage, you can add storage underneath the bed, or make use of your ceiling space with a loft-style installation to get more out of your bedroom’s square footage.
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You can also hang things vertically, not just clothes, but shoes, books, or anything else on cloth hangers, and conserve space.

Here's another way to renovate your bedroom quickly and cheaply.

Consider creating a more deliberate color scheme and style cohesion in your sleeping space.
You might want a move to neutral colors for a calming effect. Or you might want bolder, brighter colors to inspire you and wake you up in the morning. Whatever you choose, you can put it in place with a little bit of paint and accents.

There's a good chance you'll see that it was well worth the effort.
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As we all know, colors affect mood. So think deliberately about how you want to feel, and then craft your color scheme and style that way. You might even experiment with themes such as, for instance, a desert theme, or some type of science fiction theme with moonscapes posted on the wall.

How about adding some blinds or curtains to your bedroom?

If you don't want to mess around with the windows, you can even just install a drapery on a wall space, which is typically easier and cheaper to install.

What you get is a new look for a familiar space.
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Again, these items don't have to be large. They don't have to be costly. And they don't have to be overcomplicated. Look at all of the neat fabrics you can get at your local craft shop, and you'll see how easy it is to add them to a bedroom area.

This last idea goes a little beyond everything discussed above.
Another quick and easy way to change up your bedroom is to add accessories that add functionality to your space.

If you're like many of the audiophiles and retro-tech people who haunt secondhand stores, you may be thrilled to take advantage of an old record player on top of your dresser, or a high-end tuner receiver unit built into a nightstand.

Or you might want to install a mini-fridge in your bedroom. You have these in hotel rooms, so why not have one at home to make it easy to enjoy drinks or snacks from the comfort of your bed?

Then you can also think about having ‘accessories for your accessories.’ For instance, if you're adding a record player, you want to have storage space for vinyl built-in as well. If you're adding a mini-fridge, what will you stock it with? And how will you make sure you get the trash and recyclables where they need to go?
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These are just some of the interesting ideas you can find to dress up your bedroom space in a whole new way. What you add is up to you — but with just a few dollars and a few hours, you’ll be coming home to a whole new haven to rest!

Life can be uncertain, and tomorrow's reality is something we can't control. But, through planning for the future, you can provide for your loved ones in ways that honor your values and protect your family in the event of your death.
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When you plan your financial future, you can choose to provide for your family in your will or trust. Here are some ways you can begin to provide for your family in life and death.

You can start by setting up a living trust, a legal document that appoints a legal guardian to manage your property and assets until your death. These financial tools can be a great way to protect your loved ones in the event of your death and ensure that your remaining assets go to your family as you wish. This requires you to have an attorney review your assets and make sure all your investments are put into the trust.
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Once you have done that, you can hand over the management of your assets to a trust so they are protected and cannot be touched by anyone other than the executor appointed by your will. These people are typically called "trustees" and their job is to manage your estate per what is written in the will or trust.

When you create or purchase an irrevocable life insurance policy that provides benefits for beneficiaries in the event of death (such as a named life insurance policy), it is called a "policies" policy. This is because an insurance company pays out benefits according to the instructions you left.
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You may wish to protect your family from financial hardship by providing important personal and financial assets to your children or charities. The money in these policies is protected by state law if it remains in the policy for a certain period (often 20 years).

Many people do not have enough life insurance to make a substantial contribution to retirement savings because they don't realize how important life insurance is. They also underestimate how long they will live and the cost associated with providing maximum coverage.

If you do not already have enough life insurance, this continues to be a problem area as you probably can't afford the premiums of expensive term life policies without sacrificing other financial goals. However, if you are over 50 and under 100% financially prepared for retirement, your funeral costs may become too much for your children or other family members or friends to bear.
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When this happens, it usually means that you are either terminally ill, or you are just beginning to realize the need for long-term financial security. If this is the case, then you might consider a life insurance policy as an insurance policy and a retirement plan rolled into a single annuity. This is called an annuity trust.

Everyone knows that money doesn’t grow on trees, but for many people, that’s as much financial advice as they’re going to get. As much as we’d like to deny it, life isn’t always going to be easy. No matter how much you plan and prepare for the future, sometimes the unexpected happens.
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If you’re already in a financially secure position, this is an ideal time to think about providing for your family in the future. If you’re not, it’s never too late to get on the right track.

​It's no secret that the retirement crisis is a global problem. People live longer, but they can't save enough money to support themselves during their golden years. We will explore how blockchain technology might be able to help solve the retirement crisis.

The global retirement crisis is a pressing issue that needs to address. Blockchain technology has the potential to provide a solution to this problem. By working on a shared, decentralized ledger, blockchain can help create smart contracts and speed up transaction processing times. Additionally, blockchain transparency can help track information and ensure secure data storage. Ultimately, blockchain has the potential to provide a much-needed solution to the global retirement crisis.

Blockchain technology could help to facilitate secure, peer-to-peer transactions between retirees and financial institutions. That would allow retirees to access their funds quickly and easily without a third party.

Another way that blockchain could help solve the retirement crisis is by creating digital identities for retirees. It would allow them to access their benefits and pension payments quickly and securely. Additionally, it would give retirees peace of mind knowing that their identity is safe and secure. Blockchain technology could create digital identities for retirees without worrying about identity theft or fraud.

​Blockchain could also create smart contracts. These contracts would help automate the retirement process, making it easier and faster for retirees to access their funds. Smart contracts are also tamper-proof, meaning no one can alter them without detection. It would help to ensure the security of retirees' data and benefits.

One of the most significant advantages of blockchain technology is its ability to create a single global database. It would allow retirees from all over the world to access information about their benefits and pension payments. Additionally, it would help prevent fraud and ensure that all data is accurate and up-to-date.

A key trend that is helping to solve the retirement crisis is the rise of blockchain-based retirement plans. These plans offer retirees a more-accessible way to invest in cryptocurrency and other digital assets. Additionally, they provide a secure platform for storing and managing retirement funds. These retirement plans can offer a more secure and efficient way to save for retirement using blockchain technology.

​Blockchain technology can help to create tamper-proof retirement systems. It would allow retirees to rest assured that their data is safe and secure. Additionally, it would help prevent fraud and ensure correct benefits payments. Blockchain could help create a more efficient and secure retirement system that would benefit retirees worldwide.

Intermediaries often cut the money that changes hands in a transaction. By removing the need for a third party, blockchain could help reduce the cost of retirement planning. It would be a welcome development, as the high costs of retirement planning can often be a deterrent to saving for retirement. Because blockchain transactions are peer-to-peer, there is no need for an intermediary. More of the money goes to the people involved in the transaction.

​Overall, blockchain has the potential to be a game-changing technology when it comes to retirement planning. By addressing the challenges retirees face worldwide, blockchain could help solve the global retirement crisis.

If you already know the basics of resume writing, it's time to choose a resume template from a CV maker. Templates can be helpful tools to organize your information and make formatting easy. However, not all templates are created equal. Some templates are more generic and may not be a good fit for your specific skills and experience. Others may be too flashy or have colors or margins that are too busy. To help you out, here are a few tips on how to choose the resume template for your needs. 

Free templates are readily available in an online CV maker, but do some research before you download anything. Look at several different resume samples to get an idea of what will work for your type of job and skill set. As with all resumes, the goal is to have a document that stands out in a positive way without being gimmicky or unprofessional.

The best resume templates are those from professional resume writers. When a writer prepares a template as part of a complete resume package, it is done with the specific job in mind so that all sections and sections align to highlight your skills for that particular role.
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However, their expertise comes at a price. If you want something simpler and more straightforward, a free template in a free CV maker is a good place to start. A good example is Venngage, which also has premium options.

The first step is to decide what type of document you need: a chronological, functional, combination, or targeted resume. Your goal and the job description will help determine which one is appropriate for you.
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Once you know the document type, you're ready to choose a template in a CV maker online. Look for one that meets these basic guidelines:

​The template should not be dense, or it will take too long to read. You also want space around your name (centered at the top) and contact info (placed directly below).

​Serif fonts (like Times New Roman) are generally easier to read than sans-serif fonts (like Arial). However, many employers now prefer sans-serif fonts for resumes, so you might want to consider going for that instead.

While many templates are in formats like DOC, DOCX, and PPT, you may want to choose a template in PDF format. PDF resumes can be filled out and saved electronically. If you have limited computer skills or do not have access to a scanner, this might be the best option for creating an electronic resume in your CV maker app.

A template with a more traditional or conservative look might not be right for you if you are changing careers. A basic chronological resume (with your contact information centered at the top) would work best here. However, make sure that any design elements don't get in the way of your content.
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A simple resume template with clean lines and no photos other than your own or graphics is also a good, safe choice. A good rule of thumb is that if you don't want to put it in an envelope and mail it, it might be too flashy.

​A resume that's too short or has very dense text will not capture the employer's attention. If it is more than two pages, you need to streamline your content. Use a functional or targeted resume instead of a chronological one if this is an issue with your long work history.

The next step is to customize the template for your own use. This includes adding or deleting sections, adjusting margins and fonts, and choosing a color scheme that represents you. The more personal you make the template, the more likely it is that the employer will see your skills and experience in a positive light. You may even want to include your photo on the resume.

A template can be a useful tool when you're in a rush or don't have much time for resume writing. However, if you're applying for jobs where competition is stiff, only use a template as a starting point. Using a CV maker free or paid, customize it with personalized content and include a cover letter that will make you stand out from the crowd.
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When you're finished, save the document as a PDF and make sure to print a copy for your job search file. Having a well-formatted resume will make it easier for the employer to read and understand your skills and experience. It also shows that you are professional and have taken the time to create a document that is tailored specifically for them.

​The bottom line is that a resume is how you show potential employers what you have to offer, and it's important to choose a template that accurately represents your skills and experience. Choosing the right resume template can be tricky, but it's worth the effort to make sure your resume stands out in a positive way. Use these guidelines to find the best template for your job search and customize it to reflect your own skills and experience. Happy hunting!