Tag Archives: lifestyle

Has the Low-Fat Diet Myth been Busted?

October 27, 2013

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saturated fatsYou may be surprised to learn that the popular wisdom advocating the avoidance of fat in our diet has actually contributed to heart disease rather than reducing it.
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According to experts such as cardiologist, Aseem Malhotra and David Haslam, PhD and Chair of Britain’s National Obesity Forum, the standard advice of the past four decades to avoid all saturated fat has been the most tremendous medical error of recent times. In fact, experts say that this advice has actually caused many people to develop the risk of cardiovascular disease leading to incorrect prescription of statin drugs. [...]

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Repaying Your Student Loan: 7 Essential Tips You Should Know

October 26, 2013

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If you borrowed money to finance your college education, you are in good company. According to data from FICO, the average student owes educational financiers $27,253; a figure which represents a 58% rise since 2005. The following tips will come in handy as you prepare to repay your student loan. [...]

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Three Must-See Destinations in Augusta, Georgia

October 20, 2013

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Near the mouth of the Savannah River you will find Augusta, Georgia’s third-largest city. Bordering South Carolina and 136 feet above sea level, Augusta experiences hot, humid summers and mild winters with occasional freezes. Augusta was named in honor of Augusta Saxe Gotha. She was a princess of Wales born in the year 1736, the year in which Augusta was established. The city has since grown to a healthy population of over 500,000.

If you’re a golf fan, you know that Augusta hosts the famous Masters Tournament each year. But there’s more to this place than golf. History buffs flock to the Georgia area. In fact, the Historic District encompasses most of downtown, honoring Georgia’s pre-Civil War history and her role in the conflict. You will also find the boyhood home of Woodrow Wilson, a history museum, an art museum, and a cultural center.

Augusta Museum of History

augusta mesuem of historyAfter stopping by the Augusta Metropolitan Convention and Visitors Bureau to get your bearings, I recommend heading off to the Augusta Museum of History. The place is dedicated to preserving and interpreting Augusta’s past.

They strive to enrich present and current generations by keeping Augusta’s history alive.  Inside, you will find exhibits on golf, local legends like James Brown and Ty Cobb, and of course everything about Augusta from Indians to the war in Vietnam.

Morris Museum of Art

Now that you have a feel for what Augusta is all about, head over to downtown’s Riverwalk, where you will find the first ever art museum dedicated to artists from the American South. Opening in 1992, the Morris Museum of Art now has an extensive permanent collection that includes paper, photographs, sculptures, and nearly 5,000 paintings. The museum hosts about nine special exhibitions each year, so you never know just what you’ll find!

Presbyterian Manse

Presbyterian ManseAfter a rich experience in the art world, it’s back to history at the Boyhood Home of President Woodrow Wilson. The 28th President of the United States (1913-1921), Wilson is known for being a leader of the Progressive Movement. World War I began during his second term. Wilson is also remembered for his statement Fourteen Points, his role in negotiating the Treaty of Versailles, and the organization of the League of Nations.

The charming, two-story house (Presbyterian Manse) serves to depict the life of Woodrow Wilson as a boy who grew up during the Civil War and following Reconstruction. The house is the oldest Presidential residence in Georgia and serves as both a historic attraction and an educational facility. Its white columns will invite you in and make you want to further explore Wilson’s boyhood history.

“Tommy” Wilson lived in the house from 1860-1870. While living there, he experienced the hardships of war, started his education, and became a devout Presbyterian. His experiences here would prepare him for his later responsibilities as President of the United States. Woodrow Wilson’s famous quote proves that he never forgot his roots: “The only place in the country, the only place in the world, where nothing has to be explained to me, is the South.”

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Augusta Metropolitan Convention and Visitors Bureau: 1450 Greene Street, Suite 110

Augusta Museum of History: 560 Reynolds Street

The Morris Museum of Art: 1 10th Street

The Boyhood Home of President Woodrow Wilson: 419 7th Street

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Exploring the Islands Surrounding Singapore

September 25, 2013

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Singapore is a metropolitan city and a melting pot of people, languages and culture. There is no lack of activity or novelty in this urban island, but city life can sometimes take its toll on the mind and body. Whether you are a tourist or a local, the islands surrounding Singapore offer both a welcome refuge from the concrete jungle and a peek into Singapore’s pre-urban past. Let’s check out some of these destinations within a two-hour boat ride from Singapore.

Pulau Ubin

pulau ubinPulau Ubin is one of the few remaining undeveloped areas within Singapore. Located 15 minutes away from Changi pier, Ubin is an enchanting destination that has an element of timelessness and is a must-see for any would be visitor. It stands in sharp contrast to the skyscraper filled mainland, with one of its major attractions being the 19th century wooden houses that are home to cheery, easy-going villagers.

Some of its rural charm includes unfettered forests, age old dust paths and a laid back pace of life that makes one feel liberated from the modern pressures of life. Visitors have the option of cycling off to a wetland reserve – Chek Jawa – or simply whiling away at the local eatery enjoying the tranquility of the rural landscape.

You can reach the island by catching a bumboat from the Changi ferry terminal.

St John’s Island

st john

St John’s Island is another popular destination within Singapore. It offers an idyllic retreat for visitors who can choose among picnicking at its remarkable beach, getting a tan or even just strolling around the island to experience nature at her best.

St John’s Island also has an exquisite coral reef home to a school of dolphins that on a good day can be seen playing in the water. For individuals who seek tranquility, taking part in a nature walk conducted by the local marine institute would be a good idea.

The island can be accessed via the daily ferries leaving from Marina South Pier.

Batam

batam resortAlthough Batam (part of Indonesia) is known for its luxurious resorts and sprawling golf courses, it is not the reserve of well-heeled travelers. There are actually numerous locations on this island that offers budget-friendly refuge from the hustle and bustle of city life. Located 20 kilometers from Singapore’s south coast, Batam is also a gateway to Indonesia and its famous Riau Archipelago.

Visitors have the option of hiring a vehicle and setting out on an enchanting drive through the island. Some of the most notable landmarks that can be viewed during these drives include the Barelang bridge – a signature landmark in Batam and camp Sinam: now a ghost town that once hosted thousands of refugees during the Indochina war.

For those more interested in having a good time, the Melur beach renowned for its pristine conditions is the destination of choice. You can then spend the rest of the day at the Sekupang district best known for its luxurious spa and massage treatments.

The island can be accessed via BatamFast Ferry which runs a frequent 45 minute ferry service departing from Singapore’s Harbourfront Terminal.

Bintan (Tanjung Pinang)

bintan--indonesia

This Indonesian island lies right next to Batam and can be best described as sleepy village with one of the finest beaches in Asia.

When visiting this island, it would be a good idea to first power-up with traditional buffet – Nasi Campur – before heading out to the coastline.

The view from the coastline is quite remarkable making a stroll on the peaceful stretches of sand one of the major highlights when visiting. The day can then be completed by a visit to the Penyangat island ruins (ancient capital of the Malay Kingdom) and a seafood meal at the Melayu square.

The island can be accessed via a 90 minute ferry ride from the Tanah Merah terminal.

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Health Insurance Tips for the Self-Employed

September 8, 2013

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self-employedBeing self-employed has lots of perks. You get to choose your own hours, hire whomever you want, and be your own boss. The downside is that your job doesn’t provide health insurance.  And if you own a small business, you’re probably too busy to even think about health insurance!

Most self-employed individuals just don’t have health insurance. The last thing you want is for a medical emergency to impede your flourishing new business. You need to have a backup plan in case of an emergency that involves you, your family, or injuries that may put your business at risk.

If you are currently uninsured and looking for health insurance, make sure to shop around first and consider all your options. Ask other business owners for advice. You can use the Internet to compare rates and find trusted licensed agents (like eHealthInsurance.com).

Assistance for workers who are retrenched or in career transition

If your self-employment stemmed from being laid off, there is another option available to you. COBRA (Consolidated Omnibus Budget Reconciliation Act) is a federal program that allows individuals to temporarily extend the insurance they had through previous employment (at their own cost). The federal government offers a 65% subsidy for COBRA premiums, making this a great option for many. COBRA is most attractive to those with pre-existing medical conditions that make it hard for them to qualify for coverage in other programs.

Look out for rate guarantees and tax deductions

When you decide to buy private health insurance, remember that the insurance company may increase your monthly premiums once in awhile. To protect yourself from this trick, look for a “rate guarantee.” Licensed health insurance agents can give you advice on which company to use and help you understand all the little details. Some companies offer to lock in your rate for a certain period of time if you pay a “small fee” each month. Do the math before you sign to ensure that you are actually saving money.

Some states allow qualified self-employed individuals to deduct health insurance premiums on their federal tax returns. There are rules to follow – make sure to ask a tax professional if you have any questions. Remember that you can’t deduct any money during any period of time in which you were eligible to participate in a health insurance plan sponsored by another employer.  A tax professional can also teach you about all the different types of self-employment statuses in your state and the associated tax implications.

Health Savings Account

A Health Savings Account (HSA) is a good idea for many self-employed individuals. This account is set up with an HSA-eligible health insurance program. Compared to other plans, HSAs usually have high deductibles and low monthly premiums. With an HSA, you can deposit some of your pre-tax income into a savings account so that it can earn tax-free interest. You can use then that money to pay for medical expenses like copayments and deductibles. The money you don’t use builds up tax-free year by year.

No matter what type of health insurance you end up purchasing, make sure to speak with a health insurance agent and a tax professional so that you save as much money as possible. With a good health insurance program and peace of mind, you will have more time to focus on what’s really important: your business.

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Quick & Easy Tips for the First-Time CouchSurfer

September 3, 2013

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couchsurfingWith the holidays coming chances are good you will be doing a good bit of travel. Travel means expensive hotels and food cost. At least it did before CouchSurfing was established in 1999. It is a simple concept: you put up at a stranger’s place while traveling (instead of staying at a hostel or hotel). There is even a social network of the same name devoted to other “CouchSurfers”, like you. There are over two million users spread across 237 countries using this social networking site that focuses on this type of hospitality exchange.

This is how it works. Before you travel, rather than booking a hotel you visit this social networking website. If you find an available host at your destination, they can offer their place for you to stay during your trip there. In return, if they are ever traveling your direction, you open up your couch to them.

As simple as it sounds, for a newbie there can still be confusion as to standard practices and things to watch out for. If you are considering CouchSurfing for the first time, here are a few helpful tips to help you get started and make a good impression on your host.

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