How a Financial Planner Can Help?

Far too many of us are content to wing it when it comes to our finances. We live paycheck to paycheck and depend on our all-too-often meager contribution to our 401k to keep us comfortable in our retirement years. That’s assuming we even bother with a 401k.

While this approach may serve you in your day-to-day life it’s a terrible way to prepare for your future. In all likelihood it isn’t even serving you well now and you find yourself juggling bills or mired in debt. Perhaps you’re slipping a bit in your efforts to save for your kid’s college tuition. Maybe it’s time to accept that a bit of professional help is in order.

Even if you are managing your monthly bills, having a financial planner review your finances can lend significant piece of mind. A financial planner will give your finances root-to-bud scrutiny asking questions you may never have even considered.

Reviewing your finances with a professional will help you discover both your bad habits and good so that you can reach your goals. And their services will often lend peace of mind. Not only can they help you plan a budget with your future in mind, they can help you work out a budget you can live with to get out from under current credit problems.

A fiduciary financial advisor Charlotte NC brings insights to the table that most of us aren’t even aware of. For example, if you are planning to send your children to college are you budgeting based on today’s tuition averages or on projected averages? Did you know private college tuition rates are up 4.4 percent and public tuition averages are up 6.5 percent from just one year ago?

It’s insight into what’s to come that gives financial planners an edge to help you prepare for what’s down the road based on projections rather than assumptions you’re making based on the value of today’s dollar. What applies now almost certainly won’t apply when your youngest is ready to go off to school or you’re ready to retire.


You Can Have Several Sexually Transmitted Diseases

Something many people don’t know if they can have several STDs. You could be exposed to two or more STDs and not even know it. This is not good because if the diseases progress, then your life could be in danger or you could eventually suffer from irreversible symptoms.

It’s important to note that you can be treated for multiple sexually transmitted diseases. The course of treatment and length of treatment will depend on factors such as how aggressive the diseases have become and which diseases you specifically have, as well as where you go for treatment.

How To Get Tested For STDs

You can get tested right at home or you can go to a clinic or at your doctor’s office. More and more people are opting for At Home STD Test Kits, especially for common STDs such as chlamydia.

Benefits Of At Home STD Testing

There are many benefits, such as not having to go to a clinic to take a test. You’ll still receive peace of mind because you’ll find out whether or not you have an STD. Do bear in mind different STD testing kits test for either one STD or several. You can visit to find out more about at-home chlamydia tests.

You are not invincible. Everyone who is sexually active, even if it’s not that often, is prone to catching an STD. Do yourself a favor and get tested as soon as possible.


Vegan Alternatives

There are many alternatives out their for vegan eaters. There are many meat and dairy substitutes that can make vegan eating so much more easier.


Milk is an integral part of a human’s diet. it provides you with calcium which is integral for healthy bones and growth. With technology these days, food scientists have come up with great alternatives to milk.

1. Soy Milk

Soy milk is a product of soybeans. It is made from the emulsification of oil, soy and water. It is prepared by soaking soybeans in water overnight. These newly hydrated beans go through a process of wet grinding with more water added to give it its desired texture.

There are many versions of soy milk out there. Soy milk is not sweet at all. However, to make it more appealing to consumers, manufacturers will add sugar to it as well as different flavorings such as chocolate and vanilla.

2. Rice Milk

Rice milk is composed from boiled rice, rice syrup and rice starch. like soy milk it is not sweet and thus manufacturers will add sugar and other flavors to it, in order to commercialize it for consumers.

3. Almond milk

Almond milk is made from ground almonds or could be made at home from soaking almonds in water and letting the flavor immerse throughout it. It is a great substitute for milk ad because of it’s nutty flavor it is great to put in oatmeal and other sweet dishes to add in a bit of kick.


Everyone knows that when you have a vegan diet you must abstain from eating meat. However, there are many vegan appropriate “artificial” meats out there to satisfy vegan burger lovers. You can find best plant based meats online easilly.

1. Tofu burgers/ tofurky/tofu deli meat

All these types of vegan meats are composed from tofu. Tofu is made from soybean, water and a curdling agent. It is highly popular due to its ability to boast a variety of flavors and textures, hence, why it can take the form of deli meat, ground beef, turkey and etc.

2. Wheat and bean based meat

Although such types of meat are not great duplicates of chicken, the bean and wheat burger alternative is great when wanting a hamburger substitute. You are still able to gain all the protein you need from the beans, and you still get that meaty taste.

3. Portabello Mushrooms

A lot of people think that portabello mushrooms are the closest all natural substitute to the meaty flavor of beef. Grilling or marinating these mushrooms can give you that flavor to satisfy your meat craving.


Although there is no exact substitute for raw eggs, there are decent substitutes for eggs in dessert recipes. In desserts such as cake, typically eggs are inserted to create a fluffy, moist texture and to bind all the ingredients. In such recipes one egg can be substituted with 1/4 cup of apple sauce.

Tofu can also be a great substitute for eggs in savory dishes such as quiche and custard.

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Neon Signs

The neon sign is a staple for almost every bar and tavern in the country and is a staple for many types of retail businesses. Many business neon signs have gone to become collector’s items depicting famous logos and brand names. Whether you want to add something special to your man cave business, home game room, office, bar or garage, neon signs can help you decorate any space. Colorful neon signs use the simple miracle of neon gas and can liven up any room in your home, office or business.

For example, led neon signs have a long life neon filled tube needing nothing more than battery power. The quartz crystal movement ensures accuracy. Garage neon signs make a great gift for the automobile enthusiast on your list or as addition to a game room or man cave.

What Is Neon?

Neon is a rare gas that occurs naturally in Earth’s atmosphere. One of the noble gasses, neon is inert though it reacts to the application of electrical charges. The result is the characteristic orange or reddish glow commonly seen in neon advertising signs.

The term neon sign is a little misleading since other inert noble gasses such as xenon are often combined with neon to produce various colors. Neon lights have been around since the early 1900s and became a common a part of the Art Deco design movement.

Neon is extracted through a process called fractional distillation, a method of separating chemical compounds. Ambient air, which contains the gasses commonly found in Earth’s atmosphere, is first cryogenically frozen creating a liquid. Neon is then extracted from the liquefied air.