Tuesday, October 22, 2013

Marriage and Your Financial Compatibility


The excitement and anxiety that comes with getting married often clouds rational thinking and sound judgment. While many think that tying the knot is simply a romantic undertaking, those who have been there know that it’s as much financial as it is quixotic. In fact, money plays a vital role both before and after the wedding and even more so during your marriage that it’s important to marry the person who you are financially compatible with.

Unfortunately, finding the one who is financially fit for you is often quite difficult. Most of the time, we go out of our way to please the person we love by putting our best foot forward—and this means spending a ton of money on gifts and surprises. Some people don’t care if they are on the verge of maxing out their credit cards for as long as they are able to see the happiness mirrored on their loved one’s faces.

However, this is not the best way to get to know each other on a more intimate level, especially where money matters are concerned. It is often the opposite. By spending more than what you can afford, or even by not calling your boyfriend’s or girlfriend’s attention to the fact that the extravagant displays and expensive presents are making you feel uncomfortable because it shows how conflicting your views are about money, you are both setting the stage for false assumptions and financial disagreements. Money problems are one of the issues that couples often fight about which lead to divorce that it’s vital early on in the relationship to find out if you and your would-be spouse are the right financial fit.

Before we dig deeper into this issue, let’s first get certain things clear. First of all, even if you know that you are going to be marrying a millionaire, you still should be on the same wavelength when it comes to handling money. Second, even if you know that your partner is a whiz at all the budgeting and financial planning, you should still work as a team. He or she may be the one managing the money but you should have your say on how or where the funds go.

So how do you figure out if you hold the same views about money or if you still need to work things out? Here are some very crucial questions to ask before you both tie the knot. Now remember, if you are the one opening up this conversation with your partner, there’s a chance that he or she might take it the wrong way. These kinds of topics require the utmost tact on your part. You might need to preamble it by explaining how important financial compatibility is to the new life that you are going to share as a married couple. But you must make it clear that these need to be answered so you have a starting point on how you want your finances handled.


Check out www.adamscapgroup.com for more Information on Money Management Tips.

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Monday, October 14, 2013

What is the Evidence for Prescribing Foot Orthoses?

This article discusses the available evidence for the efficacious use of custom-made foot orthoses and is limited to custom-made products defined as “manufactured from raw materials and molded over a three-dimensional (volumetric) cast of the foot, which captures bony alignment and shape”.

Orthotic Efficacy
It is not uncommon for professors, professional association representatives and clinicians to claim, “foot orthoses are an effective treatment for low back pain and a variety of other musculoskeletal and postural complaints.”

In this era of evidence-based medicine, however, where conscientious care depends upon our ability to make clinical decisions, which have been confirmed by sound scientific enquiry, practitioners cannot make such claims about foot orthoses just yet.
Perhaps it is the empirical observation that patients “respond favorably” to foot orthoses that has slowed the pursuit of hard evidence for the efficacy of custom-made foot orthoses. Regardless, third party payors may soon require stronger evidence before letting the current trend of increasing foot orthotic use continue.

Journals primarily for foot care professionals publish very few randomized clinical trials (RCTs). A review of the podiatric literature arbitrarily choosing 1998 and 1993, found that a mere 1% of the articles were RCTs. Instead of testing hypotheses, the majority of the articles generated hypotheses. To compound the problem, those articles published in podiatric journals were of a lesser quality than those published in mainstream medical journals.  A Cochrane database review (1997 to 2004), concerning the efficacy of foot orthoses, revealed only 6 RCTs. The studies were deemed to be of variable quality according to the Consolidated Standards of Reporting Trials (CONSORT-http://www.consort-statement.org/) guidelines with only one rating as high as a Sackett’s grading of B – provides some support for clinical practice.

The range of research outcomes regarding orthotic efficacy varies from inconclusive to supportive with one study suggesting that customs were inferior to off-the-shelf products. A significant concern with research on custom-made foot orthoses, prior to the last few years, is the absence of “subject-specific design” in those studies and the lack thereof being a confounder of results. Without adequate research to provide an evidence-based platform, professionals vary considerably in what they prescribe and it is difficult to develop guidelines for orthotic prescriptions.

Four retrospective studies regarding custom-made foot orthoses, between 1985 and 1993, revealed patient satisfaction ratings between 70% and 91%. A recent questionnaire of 275 patients indicated the majority felt that custom-made foot orthoses had provided relief of their symptoms to a level of 60-100%. Criticisms of these studies however, include that they were retrospective, did not control for other forms of treatment during the course of orthotic therapy and were unclear in their classification of orthotic device. Furthermore, it has been documented that “patient satisfaction” indicates service satisfaction and not necessarily treatment outcome satisfaction.

The traditional notion that foot orthoses optimally align the skeleton is being critically challenged by the scientific community as well. Repeated research efforts show that skeletal movement changes due to foot orthoses are small, subject-specific and non-systematic.

Not All the News is Bad…

Replacing the traditional “re-aligning the skeleton” theory, are several plausible alternatives to explain why custom-made foot orthoses seem to provide symptomatic relief of common musculoskeletal (MSK) complaints:
• the biomechanical theory suggests that full contact orthoses, (whereby there is complete orthotic-medial-arch contact) maximally control the pronatory moment (also described as assisting midfoot re-supination) and allow for functional first ray plantarflexion in the overpronating foot.
• The neuro-muscular theory for using full-contact custom-made orthoses suggests that the medial and lateral arches of the foot are the most sensitive regions to changes in pressure and vibration and that enhanced proprioceptive feedback allows for a movement pattern that minimizes muscle activities. This accounts for the decrease in symptoms where kinetic changes are minimal and unsystematic.

There is some research using these alternative theories, to indicate that full-contact custom-made foot orthoses may decrease lower limb musculoskeletal symptoms within 4 weeks and that there may be improvements in efficiency of gait by way of reducing centre of mass oscillation. These results however are generalizable only to custom-made foot orthoses used in that study. Another recent investigation using the same full-contact custom-made foot orthoses compared them to a group wearing traditional custom-made foot orthoses. The EMED system (a multi-sensor pressure mapping device) was used to assess changes in plantar pressure in the two groups over a 6-week period. The researchers found that patients wearing the full-contact orthoses more effectively approximated the ideal force curve, which included decreased pressure over the lateral metatarsal head with increased pressure under the 1st metatarsal heads at toe-off.

What Can We Say?

There is some recent objective and subjective evidence in support of custom-made foot orthoses for reducing MSK complaints and moving gait towards more idealized and efficient patterns. There is however, not enough consistency in the research or volume of peer-reviewed research to claim that all foot orthoses will resolve the variety of complaints seen in most health care facilities. The responsibility rests with the individual practitioner to ensure that the orthotic devices they recommend meet the criteria of custom-made and that claims of efficacy are restricted to those within the mandate of evidence-based medicine.

Guidelines for the Conscientious Practitioner
As new research is published each month, it behooves clinicians to critically assess the quality of that research before making statements regarding the efficacy of any treatment. Here are some suggestions:

1. Ensure that the literature claiming orthotic efficacy is not promotional material distributed by an orthotic manufacturing company. However, note that some orthotic companies do fund research. If they do, look for a statement that they funded the study in the context of signing an “arms-length agreement” which states that both positive and negative results will be published. This is a risk most orthotics manufacturers are not willing to take and it is a good litmus test of their product confidence. Ask if your company has funded “arms-length” research.

2. Ensure that the peer-reviewed literature is not being misquoted. I recently read a headline within some marketing literature distributed by an orthotic company. The referenced literature was indeed good work, however, the “revised” company headline completely misquoted the author’s conclusions to imply an endorsement of their product.

3. Lastly, and probably most importantly, not all professional journals are stringently peer-reviewed. Some function, more or less, as professional trades magazines. Unless the research is published in a peer-reviewed journal be cautious of quoting any conclusions.
By the way, poster presentations at chiropractic conferences using underpowered sample sizes and sponsored by orthotic companies are not consider peer-reviewed (recently a colleague insisted that I must be incorrect about this). CONSORT provides an excellent 22-point checklist for practitioners to judge the quality of any research. (http://www.consort-statement.org/?o=1011)
Good luck, happy practicing and remember;


“Education is a progressive discovery of our own ignorance.”      - Will Durant
Leslie Trotter, BSc, MBA, CPed(C), MSc



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Wednesday, June 26, 2013

Credit Card Savings



Having a credit card is very convenient since carrying a lot of cash becomes unnecessary and you might even have a hard time leaving your credit card at home. But with its advantages comes also its disadvantages. Since you can always buy things without carrying cash around, you are always tempted to buy something that you come across. If you have excellent control on your finances then good for you. If you have a hard time managing your credit card, then these pointers can help you.
Get organized
First thing's first, obtain your credit card records to have a better idea of your spendings. Be sure to double check the records for errors and ensure its accuracy. A good example would be to find out if you have outstanding debts that should not be there as well as the accuracy of the listing of your former and present address.
Evaluate your credit card
Go over your recent credit card records and look at the interest rates. Some credit card companies have promos wherein they offer lower interest rates for a period of time and this promo may already be over yet you have no idea and are already paying at a higher interest rate. Also take note of the membership fee which they charge annually since some have very high membership fees. Consider cancelling this if you are not using it frequently.  
Pay on time
It is important to pay your bills on time since it can have a negative effect on your credit record or rating. You will also be able to avoid getting charged because of not paying on time. Try asking the credit card company to remove the overdue charge if you have forgotten to pay it on time for the first time.
Manage your debts
If you see that you have more debt than what is comfortable, think ahead and plan out how you will repay it or at least reduce your debt. Devise a way to pay more than what is required of you so that you will have a reduced payment schedule. Prioritize the card that has the highest interest rate. Do not bring your credit card always when you go around since temptations abound.
Don't bite more than you can chew
As the saying 'don't bite more than you can chew" goes, do not spend more than you can afford. True, a beautiful gold bracelet may be enjoyable to wear but its price tag may mean paying a lot for the next months. If you are bent to save money when using your credit card, unnecessary items like jewelry and the like should be at the bottom of your considerations.


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High-low Numbers: Tips On Saving Money On Clothes



Are you craving for the newest designer clothes, a pretty tank top, and that pretty dress? All this fashion comes at a price — you choose.
Buying clothes these days is always a choice between the designer-made outfit or those cheap but quality items that you could pull together and express your personality in many different ways.
Most experts contend that clothes can definitely make or break a person. They say that your personality is usually reflected on how you dress up. But it does not necessarily mean that good fashion would absolutely mean expensive clothes.
Hence, you can still make a remarkable fashion statement without having to spend hundreds or even thousands of dollars just for your clothes.
Here is a list of some money-saving tips when buying clothes that would turn other people's heads to you but would not definitely break your wallet.
1. Do the math
Choosing fashionable clothes can be really tricky, not unless you know how to do the math! So before you buy three sets of clothes that would cost you hundreds of dollars, try to go for the budget-friendly dozen of items that you can even match alternatively.
The number of expensive items that your money can buy is definitely doubled or even tripled when you buy cheaper ones but can still make a good fashion statement.
2. Know what you want
Saving money is definitely based on knowing what you want whenever you spend your money on something. If you know what you want, this means that you have researched the item, have compared them with the other items, you will be able to come up with the lowest price of the product.
3. Drive your way to a 'thrift store"
Usually, these 'thrift stores" are non-profit organizations. This means that they are usually operating for charity. They give their proceeds to some charitable institutions.
Hence, the prices of the clothes being sold in the thrift store are absolutely cheaper than the ones being sold in the department store. So that would mean many savings for you.
Best of all, you do not only get to save more money, you get to do some charity work as well.
The bottom line here is that when shopping for clothes, do not shop for the brand name, shop for the quality.
Nowadays, you just have to be practical. Better spend your money on more important things than those designer clothes.


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Sunday, June 23, 2013

Extra Money For Your Extra Time

Earning extra money for your future, that is definitely not a bad thing!
However, is it an easy thing? One definitely wants that for a stronger foundations for the future, but how can you manage?
Saving Money
One of the better ways to have a more secured future is to have more than enough money in your bank account, to be more liquid.
Time is Gold
Sometime in a day, you may find yourself with nothing to do. You can either take this time to rest, to sleep, to read a book or any of your favorite pastimes. Basically anything will do just to keep you sane and as long you do not have to spend too much money.
However, instead of looking for activities that will not be too costly to maintain, it is better to pursue things that can even help you earn money. If you have enough free time, consider taking a part-time job. More than saving money, you can even expect more dough into your savings!
Why Should I Get a Part-time Job?

  • It can be a source for your extra money for your savings.
  • You make good use of your free time. For a student, the experience can teach a lot about life and the real world.
  • You can meet interesting people.
  • There is the possibility of discovering new skills or passions.
  • Getting a good part-time job can actually be a start to a more serious endeavor.
Getting a Part-time Job
It will be relatively easy to get a part-time job. You can look up the posters or newspapers. Inquire in different establishments for openings in part-time positions. Ask friends who may recommend you. You can even provide services of your own skills like tutorial, writing or painting.
The job may require from you a few hours of your week. It can be something you do in the afternoons, during the weekends, or during school breaks.
You may feel challenged by exploring this new possibility in your life. You will have to balance your part-time job with what you regularly do. Simply manage your work and time properly. Save time too. Do minor tasks when traveling or waiting. Give no room for distraction, procrastination or cramming.
As long as you keep track of your extra earnings and savings, in the long run, your part-time job will definitely help do wonders to your plans in the future.

Check out www.adamscapgroup.com for more Information on money management.

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Guidelines in Applying for a Personal Loan



People have various reasons for applying for a personal loan. Some are in need of emergency cash for paying their utilities or medical bills. Some need it for their education needs. In general, however, the fact that this loan is very easy and quick to acquire is what makes it very attractive to borrowers. Lenders can provide you the funds within a short period of time, so then you no longer have to wait too long for the cash that you desperately need.

Where Can You Find Loan Lenders?

Loan lenders are not very hard to find, especially with the advent of the internet. A quick search on the internet can yield literally hundreds of results for loan lenders. This allows you to choose the lender who can provide you the money that you need. But as in any type of services, you have to make sure that you are dealing with a legitimate personal loan lender and with someone who can offer you the most profitable deal. Comparing various lenders in terms of interest rates and monthly payments can certainly lead you to the right lending company. Also, review the lender’s website and check if there are doubtful policies in their company. Their website should also look professional and must have great content as this can tell you whether or not they’re legitimate.

When you apply for a quick personal loan, you would only need a few minutes. First, choose the best lender available by following the tips outlined above. After choosing the lender, look for the application section in their website. It is important to fill out all the fields in the application form. You will be asked some vital information such as your name, current address, and date of birth, social security number, and monthly wage. Answer each question as accurately and honestly as possible.

What Are Your Chances of Personal Loan Approval?

As in most loans, borrowers fear that their loan application will not be approved. Some people even worry about their bad credit score, which could spell trouble for most loan applications. But with personal loans, this is not really an issue. As long as you have provided the right information, your application will most likely be approved. In fact, the percentage of those who apply for personal loans that get approved is much higher than those who don’t get  approved. Usually, it only takes a few minutes before you can receive the notification that your application has been approved. Once approved, expect to receive the money that you need within a very short time. The next business day, expect the funds to be transferred directly into your bank account by the lenders and you’ll have access to your much needed cash in no time. or the cash that you desperately need.

For more on online cash advance, visit www.cashadvanceloanstoday.org.  If you need emergency cash advance, just click on the link to apply online: payday cash advance loan online.



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