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When you invest, you expect the money to return some income and increase the original. According to research from the Federal Reserve Bank of New York, credit card CDs and U.S. Treasury debt are considered the safest form of investing, and that’s for the U.S. Now let’s talk about investing generally (around the globe) because I’m sure I have followers around the world. If you can earn a higher return on your investments than the interest on your debt, you should invest. On the other hand, if you're carrying high-interest debt such as credit card debt, it may make more sense to pay off your balance. The best solution could be to strike a balance between saving and paying off debt. You might be paying more interest than you should, but having savings to cover sudden expenses will keep you out of the debt cycle. Additionally, having sufficient savings provides peace of mind. That’s why I always advice people and members of my team to always save, no matter the expenses you’re to face that month, you should set aside at least 10% of every amount you earn. Trust me, it’ll come to save you later. And please don’t save to spend on irrelevant things. You should save to invest. Try out SHP if you need a safe Investment scheme where you get to Access and see your money grow yourself. There is No need to give your money out to Firms or banks to invest for you when the Idea behind Cryptocurrency is for you to be in charge without letting the government do whatever or know whatever about YOUR money. Below, I’ll be giving 20 Finance Tips that will change the way you Think about money.1. Create a Financial CalendarIf you don’t trust yourself to remember to pay your quarterly taxes or periodically pull a credit report, think about setting appointment reminders for these important money to-dos in the same way that you would an annual doctor’s visit or car tune-up. A good place to start? Our ultimate financial calendar.2. Check Your Interest RateQ: Which loan should you pay off first? A: The one with the highest interest rate. Q: Which savings account should you open? A: The one with the best interest rate. Q: Why does credit card debt give us such a headache? A: Blame it on the compound interest rate. Bottom line here: Paying attention to interest rates will help inform which debt or savings commitments you should focus on.3. Track Your Net WorthYour net worth—the difference between your assets and debt—is the big-picture number that can tell you where you stand financially. Keep an eye on it, and it can help keep you apprised of the progress you’re making toward your financial goals—or warn you if you’re backsliding.4. Take a Daily Money MinuteThis one comes straight from LearnVest Founder and CEO Alexa von Tobel, who swears by setting aside one minute each day to check on her financial transactions. This 60-second act helps identify problems immediately, keep track of goal progress and set your spending tone for the rest of the day!5. Allocate at Least 20% of Your Income Toward Financial PrioritiesBy priorities, we mean building up emergency savings, paying off debt, and padding your retirement nest egg. Seem like a big percentage? Here’s why I love this particular one.6. Budget About 30% of Your Income for Lifestyle SpendingThis includes movies, restaurants, and happy hours—basically, anything that doesn’t cover basic necessities. By abiding by the 30% rule, you can save and splurge at the same time.7. Adopt a Spending MantraPick out a positive phrase that acts like a mini rule of thumb for how you spend. For example, ask yourself, “Is this [fill in purchase here] better than Bali next year?” or “I only charge items that are $30 or more.”8. Make Bite-Size Money GoalsOne study showed that the farther away a goal seems, and the less sure we are about when it will happen, the more likely we are to give up. So in addition to focusing on big goals (say, buying a home), aim to also set smaller, short-term goals along the way that will reap quicker results like saving some money each week in order to take a trip in six months.9. Banish Toxic Money ThoughtsHello, self-fulfilling prophecy! If you psych yourself out before you even get started (“I’ll never pay off debt!”), then you’re setting yourself up to fail. So don’t be a fatalist, and switch to more positive mantras.10. Get Your Finances–and Body—in ShapeOne study showed that more exercise leads to higher pay because you tend to be more productive after you’ve worked up a sweat. So taking up running may help amp up your financial game. Plus, all the habits and discipline associated with, say, running marathons are also associated with managing your money well.11. Learn How to SavorSavoring means appreciating what you have now, instead of trying to get happy by acquiring more things.12. Every Student Should Fill Out the FAFSAEven if you don’t think that you’ll get aid, it doesn’t hurt to fill out the form. That’s because 1.3 million students last year missed out on a Pell Grant which doesn’t need to be paid back! because they didn’t fill out the form.13. Evaluate Purchases by Cost Per UseIt may seem more financially responsible to buy a trendy $5 shirt than a basic $30 shirt—but only if you ignore the quality factor! When deciding if the latest tech toy, kitchen gadget, or apparel item is worth it, factor in how many times you’ll use it or wear it. For that matter, you can even consider cost per hour for experiences!14. Spend on Experiences, Not ThingsPutting your money toward purchases like a concert or a picnic in the park—instead of spending it on pricey material objects gives you more happiness for your buck. research says so.15. Shop SoloEver have a friend declare, “That’s so cute on you! You have to get it!” for everything you try on? Save your socializing for a walk in the park, instead of a stroll through the mall, and treat shopping with serious attention.16. Start Saving ASAPNot next week. Not when you get a raise. Not next year. Today. Because money you put in your retirement fund now will have more time to grow through the power of compound growth.17. Do Everything Possible Not to Cash Out Your Retirement Account EarlyDipping into your retirement funds early will hurt you many times over. For starters, you’re negating all the hard work you’ve done so far saving—and you’re preventing that money from being invested. Second, you’ll be penalized for an early withdrawal, and those penalties are usually pretty hefty. Finally, you’ll get hit with a tax bill for the money you withdraw. All these factors make cashing out early a very last resort.18. Give Money to Get MoneyThe famous 401(k) match is when your employer contributes money to your retirement account. But you’ll only get that contribution if you contribute first. That’s why it’s called a match, see?19. Keep Your Credit Use Below 30% of Your Total Available CreditOtherwise known as your credit utilization rate, you calculate it by dividing the total amount on all of your credit cards by your total available credit. And if you’re using more than 30% of your available credit, it can ding your credit score.20. Rebalance Your Portfolio Once a YearI’m not an advocate of playing the market, but you need to take a look at your brokerage account every once in a while to make sure that your investment allocations still match your greater investing goals. Here’s how to rebalance.Okay, That’s that on that!. I believe you have learnt one or two from all I listed above. Also, Feel free to reach out to me via any of the means in my bio for more info or any strategic advice for free.

Long-term care refers to a comprehensive range of medical, personal, and social services coordinated to meet the physical, social, and emotional needs of people who are chronically ill or disabled. A nursing home facility may be the best choice for people who require 24-hour medical care and supervision. Nursing homes offer the most extensive care a person can get outside a hospital. Nursing homes offer help with custodial care like bathing, getting dressed, and eating as well as skilled care. Skilled nursing care is given by a registered nurse and includes medical monitoring and treatments. Skilled care also includes services provided by specially trained professionals, such as physical, occupational, and respiratory therapists.Care planning meetingsPeriodically, nursing homes must hold care planning meetings with a team of staff members to discuss residents’ needs and possible changes in care. Residents and their family members can participate in these meetings. Ask about the next meeting and who will be attending, and feel free to request that other staff members attend. You can also invite the long-term care ombudsman, a member of the clergy or a close friend to provide support.Solving problemsOften families won't bring up complaints about subpar care for fear that someone will take it out on their loved one. However, nursing home workers themselves say that families who call attention to problems get results.Try the following suggestions to confront problems:Use the care planning conference to discuss problems with staff. This meeting creates a natural setting to address concerns without raising them to the level of a complaint.When making a complaint about a staff member to a supervisor, share any concerns about retaliation.Work with the family council to address problems in the nursing home.Solving problems can be more effective when working in a group.If the nursing home is poorly staffed or managed, you may need to take your complaint to a higher level. Don’t hesitate to take a complaint outside the facility if the nursing home is not responsive. Keep a written record of when the problem(s) occurred and who was involved to help in filing your complaint.You can contact the following for advice or investigation of complaints dealing with nursing homes:Long-term care ombudsman;Citizen advocacy groups;Legal services;State licensing and certification agency.Protecting rights and dignityToo often, people lose even the simplest rights when they become nursing home residents, such as privacy when they bathe, freedom to visit with friends, or choice of what to wear. The Nursing Home Residents’ Bill of Rights was designed to help make sure people can keep their privacy and dignity. It protects rights as basic as whether staff members knock before entering a resident’s room. These rights apply to all residents who live in Medicare- and Medicaid-certified nursing homes.Expecting good care from the nursing home systemWhen care is poor, it usually is because the nursing home fails to hire or keep enough qualified licensed nurses and nursing assistants. It is understandable to sympathize with overworked nursing staff, but good care should be expected.Sometimes neglect can result in dangerous medical conditions. Here are serious signs to watch for:DehydrationMalnutritionBedsoresPhysical restraintsChemical restraints (drugs used to control a resident’s behavior)Contractures (muscles that are becoming too stiff to move easily)Do not accept behavior toward a loved one that is abusive, including rough treatment or unkind words. If supervisory staff members do not act immediately to fix a problem, contact one or more of the following authorities:The long-term care ombudsmanThe local adult protective services agencyThe police.How to start a nursing service?1. Conduct market research to locate holes in the market that need to be filled. You might operate independently, speaking at schools, businesses and community centers about nutrition, natural living or drug abuse. Or your market may demand more home care providers or breastfeeding consultants. Or you might choose to open a holistic practice or a home care agency. Identify who your target market is, what benefits you can provide them, why they would pay for your services and potential competition. Ensure that your business will generate an income worth your time and investment.2. Confirm that you have the training and experience required to start your business. Contact your state health department and licensing authority to learn what, if any, additional training or certification is required. Then weigh the money and time requirements to determine if it is worth your time.3. Consider joining the National Nurses in Business Association, which is committed to helping self-employed RNs. Visit sites which provides forums where entrepreneurial nurses can exchange ideas.4. Develop a business plan that details your anticipated expenses for rent, utilities, insurance, a commercial vehicle, staff, office supplies and permits, as well as marketing methods and potential obstacles to your business, such as a changing regulations or competition. Then identify sources of capital, such as a personal loan, small business administration loan or private investor, friend or family member.5. Obtain the required training, licenses, bonds and insurance for your business. If you will operate as sole proprietor, you may need to file a doing business as permit with your county clerk. If you open an agency, you will need to establish a limited liability company and register with your Secretary of State. Your city may provide free business startup classes to help get you up to speed on taxation, accounting and business management.6. Secure a location for your business or establish a home office, if you will work independently. Purchase office supplies and medical equipment, in addition to accounting software that can accommodate the delicate and intimate industry. Considerations include billing, insurance billing, patient’s medical history, diagnoses, diets and care plans.7. Hire a qualified staff that has undergone background screenings. Implement health and safety policies for your practice, such as patient’s rights, handling diseases and handling patients.8. Develop an interview process for your clients to ensure that you fully understand their financial situation, as well as their needs and how best to address them.9. Design marketing materials and a website for your business. Leave brochures with related businesses, such as local physicians, clinics, senior centers, rehab centers and community centers.

I respond to accusations such as this with many of my family members, Quora folks and some of my oldest friends friends on an all too frequent basis. Particularly in the last four years.Anyone who knows me, understands that I do not make political decisions based on emotion. I used to tow the party line, and I faithfully voted Democrat until 2012. My “getting woke moment” came when one of the employees from my team came into my office ranting about the new UAW contract that was being negotiated. The Union and my employer had been negotiating for months, and the vote was rapidly approaching.My Team consisted of mostly senior members who had three digit badge numbers. My badge was six digits. The company became unionized in 1974. Most of my team was employed there when this took place. I was in diapers at that time.This employee, we’ll call him Carl, had just come out of a meeting with the Union President and stewards.Carl walked into my office, and began yelling about the new contract proposal, and how they were getting what equated to a pay cut because the company was asking the bargaining unit employees to pay more for their health insurance contributions.I asked Carl to open the contract, and find the paragraph which validated his claim. He did so, and it was right there in black an white. Bargaining Unit Employees who chose to participate in the health insurance plan will be required to pay a set amount per pay period which was determined by the plan the in which the employee chose to participate.I then asked Carl to figure out how much additional cost per hour that would be when compared to the current rates. It came out to be around $0.50 per hour, or $20.00 per week.Yep, Carl. If this contract is accepted, you’re going to pay more for your health insurance. Not even half of what I was paying for a similar plan, but more than he had been paying since the previous contract was ratified.I then asked Carl to take a look at the new salary proposals for his job classification, and seniority level, and it turned out that the company was agreeing to raise Carl’s pay rate by more than $2.00 per hour.We then did a comparison of Carl’s current net income, and what his future net income would be under the new contract.To make this simple, I am going to use easy whole numbers to show what Carl learned after eliminating emotion, and understanding the context that was intentionally left out of the Union’s presented narrative, and simply investigating the facts.Carl’s current pay rate at that time was $23.00 per hour. His proposed pay rate under the new contract would be $25.23.Carl’s current contribution to the health insurance plan broke down to $1.50 per hour. His contribution would increase to $2.00 per hour.Current Salary is $23.00 -$1.50 = $21.50Proposed Salary $25.23 - $2.00= $23.23. An increase of $1.73 per hour.We walked through this exercise several times, and each time, the math provided the exact same outcome.Carl finally threw up his arms and began yelling at me for being a big wig corporate guy who simply couldn’t understand the struggles of the working class, and what I was presenting simply couldn’t be accurate, because that wasn’t what the Union Reps had told him.I was a liar, plain and simple.It didn’t make any difference at all that the data that was gathered directly from the contracts and standard mathematical reasoning disproved the Union’s claim that they were getting screwed, and that the bajillionaires who manage this place were getting richer by making poor Carl contribute a little more toward his health care plan.Carl was so amped up on emotion that he couldn’t understand or accept the fact that he was going to be getting a fairly significant raise with the new contract.When given a chance to actually engage in civil debate, and present research of facts, it becomes much easier to dispel any myths about how Republicans/Conservatives are “evil” and at the very least “corrupt. obstructionist or incompetent.”That’s when the fun starts! When data, math and logic can’t be refuted with any objective evidence, the emotions break out, and the name calling begins. Then comes the moment of clarity when they realize that their emotional outbursts make them look like a spoiled child having a tantrum. At this point they collect themselves, regain some composure, and then begin with the anecdotal scenarios that will illustrate their point of view.Once you’ve reached this point, it is an exercise in futility to continue the debate. The facts and logic presented and validated will not change the mind of someone who desperately wants their point of view to be true.When you’ve reached this point, and your head hurts, and you’re wondering how someone can be this stubborn you simply disengage.The problem with this tactic is that if you disengage first, your opponent interprets this as a win, and it serves to reinforce the idea that their view is without fault, and therefore the correct and righteous one.So much for self development, critical thinking, and open-mindedness. From what I’ve seen, it’s gotten progressively worse