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Have You Ever Thought How Home Care Could Be So Beneficial!

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If you have a loved one that has a hard time living on their own, whether it is due to disease or age, home care can be the perfect solution for you. Below, we have some great reasons why you should consider home care for your loved one.

It reduces stress for the whole family
Caring for your elderly loved one or a friend or family member suffering from a disease is a lot of work. Even if you have the whole family pitching in, it can really take its toll on those that care most about them. Having the help of home care to assist your family can make things go a lot easier and reduce stress for everyone.

Someone with experience
Home care nurses have experience working with all types of disabilities and diseases that patients struggle with. They know from first-hand experience how tough it can be. They also know how to make things as easy as possible for the patient.

With their years of experience, they have learned what to look for and what to do in any situation. It can be tough for someone that is not experienced handling the issues that the patient is dealing with on their own. This is why it is important to have a professional that knows what they’re doing there to help.

A home care specialist can teach everyone
A home care specialist can use their experience to show the patient how to do more on their own than they thought they could. They can also teach friends and family members what they can do to help as well.

You can read as much as you want, but nothing beats in-person lessons. Not only is a home care specialist there to help take care of the patient, they can also provide valuable insight into what you can do to contribute to help take care of your loved one as well.

It’s convenient for your loved one
One of the most difficult things about visiting a facility is getting your love the one there and back each time. This can be a major task that can take up a lot of time and it can make your loved one very uncomfortable.

In-home care allows you to skip this part entirely. It’s the most convenient way for your loved one to be cared for by professionals. By allowing them to stay in their own home, they can receive the attention they need in the comfort of their own home.

Providing them with a personalized caregiver
In a hospital or facility, they may be cared for by several different people throughout each day. This can make things very impersonal for everyone involved. Home care allows your loved one to receive one-on-one individualized attention with the same one or two people each day.

By receiving care from the same people, it will help them feel more comfortable with each visit. It will also give the home care specialist more experience working directly with their patient. This means they will get to know them better and they will be able to make better decisions when trouble arises.

How to Acquire a New Citizenship without Any Disruptions to your Life

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A growing number of the so called “economic citizens” are rushing to add a second passport to their collection. What is motivating people to pay a large amounts of money for a passport?

Apart from tax advantages and lifestyle benefits, passport holders can use their newly acquired citizenship to move freely internationally. This includes doing business with easy in other countries. There are several countries which offer a citizenship-by-investment program. Austria, Antigua, Barbuda, Cyprus, Dominica, Malta and St. Kitts and Nevis are at the most popular.

Here’s everything you need to know about the Malta IIP:

The Republic of Malta is a small archipelago situated in the southern Mediterranean, halfway between Italy and Tunisia. The country offers a relaxed island lifestyle and excellent business opportunities with a metropolitan twist. Over the last ten years, Malta has quickly become a hub for iGaming, financial services and property development due to its accommodating commercial environment and flexible corporate taxation framework. Furthermore, islanders enjoy a flourishing economy, a stable democratic political system and over 3,000 hours of sunshine every year.

In 2014 Malta launched its Individual Investor Programme (IIP), a citizenship by investment scheme similar to the ones launched by countries such as Cyprus, Bulgaria, and Hungary. It essentially allows an individual and their dependents to benefit from Maltese citizenship in return for investment in property, bonds and the local economy. With the Maltese passport being one of the strongest in the world, the programme has become an attractive offer for wealthy families, and entrepreneurs from all over the world.

The whole process takes between 12-24 months and involves a strict due diligence procedure which ensures only applicants with clean backgrounds who can make valuable contributions, both financially and socially are granted citizenship and the wealth of benefits that accompany it.

Benefits of the Malta IIP

● Free movement within the Schengen Zone and visa-free travel to over 160 countries;
● Malta is a member of the British Commonwealth which gives all citizens the right to reside in all Commonwealth countries for up to six months at a time. Commonwealth countries include the U.K, Canada and Australia;
● The right of establishment and residence in all 28 EU member states, and Switzerland;
● Affordable qualifying government and investment contributions;
● Stable political, social, and economic environment;
● No minimum residence requirement to retain citizenship once granted;
● English speaking, along with the local Maltese language and a high percentage of Italian fluency;
● Citizenship can be passed down through direct descendants;
● Malta is strategically located with excellent international air links to airports worldwide. It is three hours from London, 2.5 from Paris and a little under eight from Dubai.

The government agency responsible for administering the programme is Identity Malta and all applications must be submitted to them via a certified Accredited Agent such as a law firm, corporate services company or specialist immigration agent. The application process itself is efficient, straightforward and as long as all requirements are met, relatively stress free.

Minimum Requirements for Application
Any person wishing to apply for citizenship must meet a set of criteria stipulated by Identity Malta. These include a minimum age of 18 for the main applicant, a clean criminal record, proof of residence, proof of title to a qualifying property, a contribution to the National Social and Development Fund and an investment in government approved stocks, bonds or debentures.

Financial Contributions

● Main applicant: €650,000
● Spouse of main applicant: €25,000
● Each child under 18: €5,000
● Each unmarried child between 18-26: €50,000
● Each dependent over 55: €50,000

Government Approved Investments
The main applicant is bound to invest €150,000 in government approved stocks, bonds, debentures and or special purpose vehicles. There investments are secure but do not yield interest, and they must be held for a minimum of five years.

Property
The main applicant must hold title to a residential property in Malta or Gozo. This property may be rented or purchased but must be held for a minimum of five years.

● Minimum purchase price: €350,000
● Minimum rental price: €16,000 per annum

The IIP is unique in that it was the first programme of its kind to gain full approval from the European Commission and it remains one of the few that offers full citizenship in return for investment as opposed to just permanent residence. This citizenship by investment scheme offers qualifying individuals and their families an opportunity to expand their business into Europe, as well as offering stability for them and their future. Malta is a beautiful, vibrant country and provides a safe environment to reside in or to use a base whilst exploring the other opportunities that Europe has to offer.

With low crime rates, excellent healthcare and educational facilities the country regularly ranks as one of the top places to live in the world and as soon as you step off the plane you will start to see why.

Fancy Yourself as a Bargain Hunter? Take The Test

We all think we have the knack when it comes to spotting a deal, but how good are we really?

A new graphic puzzle has been released designed to put Britain’s thriftiness to the test. The mind-boggling puzzle has multiple devious deals on display, but the big question is; which will net you the biggest saving?

A recent study of 2,000 adults found that eight in ten regularly go bargain-hunting, with the average Brit saving £106 a year by taking advantage of special offers and voucher deals.

A spokesperson for MyVoucherCodes.co.uk, who commissioned the graphic puzzle and supporting research, said: “Many of us crave the buzz of uncovering a steal when shopping, but when there are so many different deals and offers out there it can be tough to figure out where the best bargains are buried.

“Hopefully this puzzle will help to attune your senses to the savings waiting out there and help you to avoid unnecessary spending.”

For any other voucher codes please visit https://www.mamma.com/uk

 

voucher-codes

Cost and Value: The Top Tips When Choosing a Wheelchair Accessible Vehicle

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Every government leaves a legacy, whether this intentional or the adverse consequence of a failed policy. This is certainly true of the reigning Conservative Party, who will most likely be known for their decision to hold a referendum on the EU and their apparent marginalisation of those seeking disability benefits. In fact, the number of people being refused disability benefit reached its highest level for three years in January, after key changes to how applicants were assessed and monitored.

This has had a profound effect on applicants, many of whom have been forced to adopt a more independent and proactive approach to funding their lifestyles.

A good example of this is buying a new car, which will likely be the most expensive purchase you ever make (besides taking out a mortgage on your first home). For a lot of people this is a simple process of researching vehicles online before arranging to see a new car or heading down to the nearest dealer. The same cannot be said for wheelchair users, however, who can find it far more complicated to locate and choose an appropriate wheelchair accessible vehicle (WAV).

002-mv-1-lx-1

With some now losing access to their benefits and the subsidising of an accessible vehicle purchase, finding suitable transportation as a disabled citizen has never been harder.

How to Find an Accessible Car for Less

Fortunately, it is possible to source, select and purchase a wheelchair accessible car without government assistance. The key is to understand the market and your precise requirements, while also leveraging some of the favourable financing options available. For example: –

Features to Look For

All WAVs are fitted with a ramp or lift to allow easy access from the back or side of the vehicle. You should decide which method suits you better, such as whether you’ll be able to manually operate the lift if needed. Check there is a three-point seat-belt or other methods to safely secure the wheelchair in the vehicle and that you can easily put these in place. As well as wheelchair modifications, don’t ignore regular car features such as air con, sat navs, efficient engines and what you’d look for in any new or used car.

Make Measurements

In the same way that you should never buy a car without taking it for a test drive, don’t purchase a WAV before trying to fit your wheelchair inside. Take wheelchair measurements and see if they match up, remembering to add your seated height. Depending on where you regularly drive and park the vehicle can affect the model you choose, as some are larger than others.

Types of Accessible Vehicles

There are many different types of wheelchair accessible vehicles available at Allied Mobility, from small, medium and large models that suit different lifestyles and purposes. For example, the Fiat Festival is a mid-sized option suitable for urban driving, while the Volkswagen Vista is that bit larger and will suit taller drivers and passengers. Have a look through all available WAVs and decide on one that matches your needs and style before looking to buy.

Finance Options

When you’ve decided upon an appropriate WAV, the final step will be paying for the car. There are all the regular financing options available, such as leasing, buying outright, hire purchase and more. Joining the Motability Scheme is an advisable decision too, as they can specifically help out those seeking a WAV with financial advice and sorting out issues. So consider all of these tips when it comes to looking for a brand new or used wheelchair accessible vehicle.

 

Top tips for saving money on cleaning

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Making double use of products, looking out for coupons and offers and even trying your hand at making your own are all expert ways to save money on your cleaning products.

Money saving blogger Kayleigh Hughes, who writes for coupon site PromotionalCodes.org.uk, has put together her expert advice on how to stop splurging the cash on unnecessary cleaning items.

The mum-of-two says that housework supplies can come at hefty prices but by only buying the core essentials, you can slash the total of your weekly supermarket shop.

Kayleigh, who lives in Grantham, in Lincolnshire, also urges fellow shoppers to look out for useful discount codes as well as taking the natural approach by making products using items already in the kitchen cupboards.

The 29-year-old said: “One of the most expensive items on your shopping list can be cleaning supplies. From kitchen and bathroom cleaner to multi-purpose cleaner and floor cleaner, is it really necessary to buy a different product for each area?

“In my opinion, you don’t need all of these products. That is, however, just my preference but I know everyone has their own ways and favourite items. I stick to three products at most, which are washing up liquid, multi-purpose cleaner and anti-bacterial wipes.”

Here are Kayleigh’s top tips for saving money on cleaning products:

Look for double uses

As well as washing dishes, washing up liquid can be used for floor cleaning and it works great on draining boards and the sink.

Anti-bacterial wipes are great when you have kids and pets, as they are fast, simple and very effective.

Multi-purpose cleaner is exactly what it says on the tin. I use it for the kitchen, the bedrooms and the bathroom. This combined with the anti-bacterial wipes works great for me and is the perfect cleaning combination.

Get couponing

I really don’t think there is a need for all the different products available that make you part with your hard-earned cash. However, if you do want to use them then find as many coupons as you can. Coupons are always readily available for cleaning items and if you combine them with a store offer you can get all the cleaning products you want for a very little price.

Create a stockpile

When you can get a cleaning item for a low price, buy a few items and start to create a stockpile. Before you know it you will have a little treasure trove and you can cross these expensive items off your weekly shopping bill.

Make your own natural products

If you don’t like chemicals, then the natural approach can be very effective just by making use out of items in your cupboards. It’s also fun to use a homemade product.

You can make your own multi-purpose cleaner using vinegar, baking powder and water. This is quick, simple and chemical free, just make sure to not use anything with vinegar or lemon in it on granite or marble surfaces as it will eat into the stone. You can also use baking powder as a great carpet deodoriser and freshener. Just sprinkle across the carpet, leave for a few minutes and then vacuum.

One of the great old favourites is homemade glass cleaner. This can be made by using water, vinegar, rubbing alcohol and a few drops of your favourite essential oil. The last part is optional but will give you a lovely scent.

I haven’t yet gone down the route of making my own cleaning products as I’ve used various coupons and offers to get the items I use at rock bottom prices. I’ve managed to build up a great stockpile but I may give homemade items a go.

It’s all been tried and tested through generations – it’s something my grandma did and her mum before her.

It really is down to your stand on chemicals though – if you want something natural then give DIY a go.

To view Kayleigh’s blog post, click here.

UK Teachers Spending Millions on Equipment for Pupils

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Following news that teacher pay in England and Scotland has decreased between 2010 and 2014, a damning new study has revealed teachers are being forced to pay hundreds of pounds out of their own pay packet for classroom supplies.

The study, called Equipped to Learn and commissioned by office supplier Staples, showed that almost two thirds of the teachers questioned felt under pressure to part with money from their own pocket to buy equipment for students.

Of these teachers, 60 per cent anticipate spending at least £120 during the current academic year, while 30 per cent expect to spend upwards of £240. Those who taught younger children were more likely to feel pressured to use their own money for supplies, most prominently teachers of nine to ten year-olds.

The Staples Equipped to Learn report details how 73 per cent of children in both primary and secondary school are coming to school unprepared for lessons.

Asked how the situation could be changed, the majority of teachers  (63 per cent) believe that children should be encouraged to take responsibility for their own equipment if they are old enough to do so, and parents should be encouraged to take more of an interest in their child’s day-to-day schooling.

Sharon Tan, Director, Head of Category Management for Staples Europe commented on the new report: “Our report shines a light on the pressure that some teachers feel to pay for their students’ supplies out of their own pockets.

“Teachers, along with parents should help encourage their children to remember their school supplies. Get them into the routine of packing their bags the night before to ensure that they have everything they need for the next day. It’s about helping kids be 100 per cent ready, and enjoying doing so.”

The full Equipped to Learn report can be downloaded from the Staples website:http://www.staples.co.uk/Content/Static/index/images/staples-equipped-to-learn-results.pdf

The cost of becoming a fashion icon

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Forget fast fashion – a new study has looked at the cost of becoming an icon by acquiring some of the most famous pieces of all time – but the iconic look doesn’t come cheap.

Female fashion fans will have to fork out over £20,000 to get their hands on the five most iconic style items in history – including a Birkin bag, Louboutin heels and a Burberry trench coat.

The money saving team at PromotionalCodes.org.uk have dug deep into the style archives and worked out how much it would cost to buy five of the most well-known fashion items for both men and women.

With the success of this month’s London Fashion Week as well as New York, Paris and Milan, all eyes are on the fashion world to discover what will soon be next season’s hottest trends.

But while some styles come and go, all of these items have stood the test of time and are still paraded down the catwalks to this day.

The research looked at the prices of each historic item and how much would have to be forked out to complete both five-piece collections – all in all totalling a whopping £34,870.

In comparison, women would have to shell out £22,500 for the full set compared to just £12,370 for men.

WOMEN

  Item Price
1. Hermes Birkin Bag in 35 Bleu Hydra Togo £14,990
2. Chanel 2.55 Handbag £3,250
3. Yves Saint Laurent Le Smoking Suit £1,940
4. Burberry The Westminster Trench Coat £1,895
5. Christian Louboutin Pigalle Patent Shoes £425
Total Cost: £22,500

For label loving ladies, the research took into account products such as the classic quilted Chanel 2.55 handbag, the iconic Burberry trench coat and the bright-soled Christian Louboutin shoe.

All of the items are coveted by fashionistas across the globe but come at enormous prices – with the most expensive item being the hugely desired Birkin bag.

Made famous by A-List celebrities including Victoria Beckham, Kim Kardashian and Elizabeth Hurley, it comes with an eye-watering price tag of £14,990.

Miss VB is such a fan of the designer item in fact that she has over 100 in total – which altogether are worth nearly £1,500,000.

Second in expense for women style collectors is the quilted Chanel 2.55 handbag, which comes with the whopping price tag of £3,250. A firm favourite in the world of accessories, it makes a regular appearance on the front row and is worn by stars such as Blake Lively, Alexa Chung and Lauren Conrad.

Also making an appearance in the list is the iconic red sole of Christian Louboutin heels. Famous across the world, the shoes are coveted by women of every generation and were first worn by the Princess of Monaco. Just a glimpse of the trademark red sole can send shivers down clued-up fashion followers.

For the men, the most expensive item to collect is an Omega Speedmaster Professional watch. A top of the range design will set you back a hefty £7,100 – as seen worn by George Clooney, Barack Obama and Leonardo DiCaprio.

MEN

Item Price
1. Omega Speedmaster Moonwatch Co-Axial Chronograph Watch £7,100
2. Ralph Lauren Dark Peak Lapel Tuxedo Suit £3,830
3. Louis Vuitton Keepall Bandouliere 55 Bag £1,090
4. Dr Martens Arthur Boanil Brush Boots £200
5. Levi’s 501 Original Fit Jeans £150
Total Cost: £12,370

 

Joining the ranks as one of the most luxurious fashion items for men is a Ralph Lauren Dark Peak Lapel Tuxedo, priced at £3,830. Inspired by The Great Gatsby, the Italian tailored tuxedo features a fully lined peaked-lapel jacket and a pair of satin-striped trousers – the epitome of style.

At the other end of the scale, male shoppers who don’t want to splash the cash but still want to be on-trend can purchase a pair of Levi’s 501 Original Fit Jeans for £150.

This classic design can now be spotted in high streets across the UK but is still regarded as a historic piece of fashion, and have been labelled the oldest and best-selling jeans of all time.

A spokesperson for PromotionalCodes.org.uk said: “Fashion fans always want to get their hands on the latest must-have item, but what’s even better is owning a fashion product that has been made iconic by celebrities, designers and brands.

“However, as the research shows, this doesn’t come cheap. It is startling to see that famous fashion items can range from just £37 to a mind-staggering £15,000.

“The world is going style crazy at the moment with this year’s September fashion weeks in full flow. Many of these items have been photographed front row at high profile catwalk shows – showing just how popular they still are.”

How to Keep Safe When Shopping Online

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When shopping online and on the go with smartphones, personal and bank details need to be secure.

Electronic payment can be safe, fast and convenient, but also a dangerous place for your personal details.

Here are some tips to help you keep safe…

Always look for the lock symbol

The lock tells you the page has Secure Sockets Layer encryption installed. An icon of a locked padlock will appear, typically in the status bar at the bottom of your web browser, or right next to the URL in the address bar – depending on your browser. If the page does not possess this, stay well clear.The lock symbol appears on only the most secure sites, such as FootieLive, an online gambling affiliate destination where it is safe and easy to bet.

Contactless Payments

Another ever increasing method of payment is contactless, such as Apple pay. To keep safe, make sure you authorise every purchase and your card details are safe, protected by numerous anti-hack walls – this stops drive by hacks accessing your data, through the Near Field Communication system in your device. If you lose your iPhone or Watch, immediately put it in Lost Mode, this locks your Secure Element so nobody can make purchases on your account.

Use a safe payment method

This is crucial if you hope to keep your details safe. Things like PayPal support nearly all e-commerce sites. Websites like PayPal that encrypt your personal information, should be considered for safe electronic transactions, and keeps on top of all advancements in technology, allowing you to stay ahead of scammers.

Keep your computer virus free

It is paramount you update your anti-virus and malware software regularly, to block out intruders. Without it, your details are at risk and are likely to subject to phishing, which is individuals attempting to acquire sensitive information such as usernames, passwords, and credit card details.

Make your Wi-Fi private

If you head out and shop on the go, only use the wireless network if you can access it through a virtual private network (VPN) connection. This helps ward off scammers and people trying to access your information through a shared connection.

Why is Professional Indemnity Insurance Crucial in a Culture of Blame?

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As a general rule, the phrase ‘it’s my fault’ is being eroded from modern discourse, as concepts such as accountability become increasingly old-fashioned. This is particularly true in nations such as the UK and the US, where a culture of blame and compensation has gripped society and influenced the way in which we treat one another as individuals.

Arguably, the prevalence of compensation culture has grown in a climate of economic uncertainty, in which people are increasingly likely to sue and seek financial remuneration for professional lapses in judgement. While this may be understandable to some, it creates an extremely corrosive and dangerous environment for professional service providers such as solicitors, while it also erodes basic human principles such as trust and integrity.

blame-culture

Image: – Business World Computing

The Threat Facing Solicitors and the Need for Indemnity Insurance

For those who work as professional solicitors, it is simply no longer viable to serve private clients without first taking out additional protection. This is available in the form of professional indemnity insurance, which is a critical overhead that can simply not be ignored in a poisonous and odious culture of blame.

So what exactly is this financial product, and how does it work? Consider the following: –

Understanding professional indemnity insurance

Essentially, professional indemnity insurance protects those working within a sector offering important advice and services. It basically covers you if something goes wrong with the work you supply or because of any advice you provide. Even the most competent professionals can make mistakes and unfortunately when that happens, you leave yourself wide open to negligence claims regardless of whether they are balanced or just.

Solicitors are particularly vulnerable to negligence claims, hence why this type of insurance becomes so important. In fact, it’s a legal requirement for solicitors to have professional indemnity insurance cover, which at least protects practitioners from the most frivolous claims in the modern age.

Why it matters, now more than ever

So why is it so important for solicitors to have professional indemnity insurance? Well, without it you could literally find yourself out of business. If you do make a mistake or are believed to have breached protocol and have a negligence claim is brought against you, the legal fees would be significantly high. If you don’t have a lot of spare cash lying around, you could end up being forced out to enter administration. So financially, it’s important to have the right level of cover.

It also matters to your reputation. When clients choose to use your advice, they want to know they are covered in case something goes wrong. Say you were to provide the client with incorrect advice which ends up having a seriously negative impact on their life – they would expect a lot of compensation! If you weren’t covered, you’d be unable to provide this and your reputation would seriously plummet. A client is also much less likely to choose you if you aren’t insured.

Remember, blame culture changes the way in which we perceive others and the service providers that we choose to partner with, so it is important to safeguard your professional advice in the face of hostility.

Also, as mentioned earlier, professional indemnity cover is a legal requirement for actively working solicitors. So, if you don’t have it you’re essentially breaking the law and the repercussions of that are severe!

One thing you need to know is that where you get your professional indemnity cover from is equally as important as having it in the first place. No two insurers are equal.

Overall, professional indemnity insurance is something all solicitors need, regardless of what area of the law you specialise in. Be sure to take out the correct amount of cover too and read through the policy terms and conditions before signing, as this is a crucial requirement often overlooked by professionals.

Ideally, of course, we would live in a world where trust and integrity were Omni-potent and professional indemnity insurance was an unnecessary evil. This is not the case, however, and this type of financial product will remain in high-demand for as long as blame culture continues to dominate our society.

Three former directors of Tesco accused of artificially inflating estimated profits as part of a £263 million scam appeared in court today (THURS).

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Ex-managing director of the supermarket giant Chris Bush, 50, former finance director Carl Rogberg, 49, and ex-food commercial director John Scouler, 48, are accused of overstating estimated profits given to the City.

The Tesco trio appeared at Westminster Magistrates’ Court each charged with one count of fraud by abuse of position and one count of false accounting.

The fraud is said to have taken place between February and September 2014.

Scouler, wearing a dark suit, light blue shirt and navy tie, Rogberg, dressed in an open collared light blue shirt and a fleece, and Bush, wearing a dark suit, light blue shirt and red stripy tie, spoke only to confirm their names, ages and addresses.

The first charge of abuse by position was read to them by the court clerk.

The charge alleges: “Mr Christopher Bush, Mr Carl Rogberg, and Mr John Scouler.

“Between first day of February and September 23rd, 2014, you abused your position as senior employees of Tesco PLC and Tesco Stores Ltd, in which you were expected to safeguard but not act against the financial interests.

“You did so dishonestly and intending to make a gain for yourself, or expose another to a loss.”

They are also said to have concealed “the true financial position from auditors” and from “other persons employed by Tesco PLC”.

Lawyers for the three men indicated not guilty pleas for both counts.

District Judge Vanessa Baraitser told the trio: “Your cases are not suitable to be heard in this court, and I am therefore going to send you to the Crown Court for your trial – in any case, that is the Southwark Crown Court, the next date being October 20th.

“I am going to remand each of you on unconditional bail. There are no restrictions on your liberty.”

Bush, of High Wycombe, Buckis, Rogberg, of Chiselhampton, Oxford, and Scouler, of St Albans, Herts, were granted unconditional bail.

The Serious Fraud Office launched a probe into accounting practices at Tesco in October 2014, after the firm admitted it had overstated profits by £263 million.

An investigation by the Serious Fraud Office into Tesco PLC remains ongoing.

They are due to appear at Southwark Crown Court on October 20.

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