October 17, 2017

Diwali is a time of diyas, crackers and get-togethers. It is also the time for snacks and sweets which is a perfect recipe for weight gain. Get in the holiday spirit and remember these few tips that will help you maintain your health while not taking away the fun of being part of the festivities :-


  1. Drink lots of water as, in the midst of all the rush, we often   tend to overlook consuming water. This would keep you   hydrated and help to prevent avoidable food craving.


  1. Stay away from sweets that use artificial food colors and    chemical preservatives. Avoid flour based foods and go for whole wheat bread.


  1. Have a healthy high fibre breakfast to ensure high energy throughout the day. Since we eat and drink mostly in evenings these days, it would only be prudent to balance out by eating less throughout the


  1. Never turn up for a Diwali party on an empty stomach. Have a light snack or nuts before which will prevent over-indulging during the party. While eating out, ensure you consume mostly vegetables with less or no gravy. Prefer sauted or lightly fried vegetables.


  1. It is important to be fit. Find innovative ways to exercise during the festival like dancing, go shopping but instead of taking an auto or your car, walk it and use the shopping bags as your dumb bells. Promise yourself that you would indulge in double the amount of gymming than the calories consumed in the last party.


  1. Do not substitute snacks and savories as proper meals. Have your three meals and snack once a day in moderation.


  1. Avoid consuming more than two medium drinks of alcoholic beverages.  Prefer dry wine instead of sweetened wine. If you have a long evening over drinks, dilute your drinks and take water and soda intermittently.
10 Dark Secrets From The World Of Horse Racing
October 14, 2017

Horse racing has been in people’s trend for many years. It is even called as one of the classic sport. Following the Horse racing, the betting practices are even greater and more professional. Nowadays, there are even many people who bet their money in Horse racing as investment. But, have you ever get to the betting and you lose? It is such a common problem occurred in Horse racing betting. Therefore, you need to have something that is really suitable with your condition. Daily Tips is one of the strategies you can do in order to make your betting experience to be greater and thus you can get more profit.

Daily Tips is a kind of guidance for you to get better profit when you deal with Horse racing betting. But, before you think of something that will promise you too much money like millions of pound sterling, this is not a product like that. All you will get is the guidance to understand not only the game but also the strategies to win the betting, complete with the prediction of the Horse racing betting which will be spot on. But, you will collect up to £8,000 in a month. This is an awesome amount of money you can get from a Horse racing betting practice.

In conclusion, you will get the best of all betting guidance. The method is really great since you will only have to check your email account and there you will find daily tips and guidance for better betting. Then, you will only have to place your bet from your email to make it even easier for you to have the betting experience there. With the Daily Tips, you can get all your dreams such as getting new car, renovating house and other needs in your life to be covered.


Stabilis Lucra Forex Review
October 12, 2017

Stabilis Lucra is an award-winning Forex Trading Robot. If you haven’t heard of Forex Robots, then its simply a software that can make trades on your behalf in your exchange. Most exchange has this technology called MT4, through which Forex Robots/Forex EAs like Stabilis Lucra can make trades. The profitability of these trades depend on the underlying algorithm of the bot and thus all bots are not equally good and cannot guarantee profits.

These market makers cost his or her clients towards deal charges add up to certain pips. Lots of investors understand this particular fact but what they do not know is actually that these market makers occupy a situation exactly contrary inside yours in market .this way, their loss becomes his or her build. Also the numerous around retail Forex traders do not have ideal pros. Much of the money your retail trader shave regarding deposit is actually utilized in the marketplace makers for some reason and/or remaining. But these types of promote makers are not totally scams. Besides the truth that all traders need understand is the fact that promote maintains both effective agents too as the promote makers. Therefore it is up to you to find the effective ones for the trade assistance.

Benefits you can claim when you have care needs
September 25, 2016

If you have care needs or a disability there are benefits to help you manage with the extra costs. Most of these benefits aren’t affected by income or savings and you may be able to keep them if you have to go into a care home.

  • Why it’s important to claim all the benefits you’re entitled to
  • What benefits are you entitled to?
  • Personal Independence Payment
  • Disability Living Allowance
  • Attendance Allowance
  • Council Tax discounts and exemptions
  • Other benefits
  • State Pension and Pension Credit
  • Benefits for carers

Why it’s important to claim all the benefits you’re entitled to

The amount you pay towards your long-term care is worked out as if you’re already receiving all the benefits you’re entitled to.

So it’s important to claim everything you can, otherwise you’ll end up paying more than you need to.

What benefits are you entitled to?

Financial support is available whether you need help to live safely and comfortably in your own home, or you need to move into a care home.

What’s more, not all benefits are means-tested. Disability benefits that help with personal care needs or the extra costs of getting around don’t take your income or savings into account.

Personal Independence Payment

If you live in England, Scotland or Wales and have difficulty getting around or everyday tasks you can make a claim for Personal Independence Payment (PIP).

This benefit is replacing Disability Living Allowance for people aged 16 to 64.

PIP is tax free, paid weekly and not usually affected by your income or savings.

There are two parts to PIP:

  • a daily living component which is paid if you need personal care
  • a mobility component if you need help getting around

There are two rates for each payment. Which one you get will depend on how severe your needs are.

Personal Independence Payment rates 2015/16

Daily living component Mobility component
Standard rate £55.10 Standard rate £21.80
Enhanced rate £82.30 Enhanced rate £57.45

If you’re in England, Wales or Scotland, find out more about PIP, including how to claim, on the GOV.UK website.

If you’re in Northern Ireland, find out more about PIP on the nidirect website.

Disability Living Allowance

If you live in England, Scotland or Wales, you can only now make a new claim for Disability Living Allowance (DLA) if you’re claiming for a child under 16.

DLA is tax free, paid weekly and not usually affected by your income or savings.

There are two parts to DLA called components:

  • the DLA care component helps with the extra costs of personal care – it is paid at one of three rates
  • the DLA mobility component helps with the extra costs of getting around – it is paid at one of two rates

It is possible to get either or both components.

Disability Living Allowance rates for 2015/16

Care component Mobility component
Higher rate £82.30 Higher rate £57.45
Middle rate £55.10 n/a
Lower rate £21.80 Lower rate £21.80

If you are aged between 16 and 64 and are currently getting DLA, you will be invited to be reassessed for Personal Independence Payment a few months before your current DLA award is due to end or if your condition changes.

If you’re in England, Wales or Scotland, find out more about DLA on the GOV.UK website.

If you’re in Northern Ireland find out more about DLA on the nidirect website.

Attendance Allowance

Attendance Allowance is tax free and is not usually affected by any savings or income you may have. You may be entitled if:

  • you’re aged 65 or over and need help with personal care because of illness or disability (this could be a physical, mental disability or learning difficulty)
  • your disability means you need supervision to avoid putting yourself in danger (for example you need someone to make sure you keep to a strict diet or help you take certain medications)

Attendance Allowance is based on the care you need, not the level of care you’re currently receiving.

So even if you don’t receive support from a carer at the moment, you may still be entitled to this benefit.

You can get a lower rate if you need help in the day or night and a higher rate if you need help day and night.

Attendance Allowance rates for 2015/16

Higher rate Lower rate
£82.30 £55.10

If you’re in England, Wales or Scotland, find out more about Attendance Allowance, including how to claim, on the GOV.UK website.

If you’re in Northern Ireland, find out more about Attendance Allowance, including how to claim, on the nidirect website.

Council Tax discounts and exemptions

You may receive a reduction on your Council Tax bill if you’re getting certain benefits.

If your home has been specially extended to help you stay there, you should not have to pay any extra Council Tax.

To find out more, find the details on the GOV.UK website.

Council Tax only applies to people living in England, Wales and Scotland.

If you live in Northern Ireland, you might get a reduction in your Rates through the Rate Relief Scheme. Find out more on the nidirect website.

Other benefits

If you’re on a low income, you may also be entitled to other benefits and help with health costs.

Check out Turn2Us, a charity that helps people access welfare benefits, grants and other support.

Find out more about help with health costs on the NHS website.

If you’re in Northern Ireland, find out more about other benefits on the nidirect website.

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