Insurance is important and everyone needs insurance even the physically challenged. Most people focus on some policies that they consider basic and skip on others that they don’t prioritize while they are all equally importance. Life insurance is one of the policies that many people skip on yet it comes with many benefits. Life is not a guarantee and hence it is good to take an insurance cover, not as an investment but as a shield against risks. With a cover you can be confident that after your demise everything will remain normal. Some of the benefits of taking a life insurance cover include:

Importance of Life Insurance to The Physically Challenged

Protects your family and loved ones

When you have a life insurance cover, you are sure that your family and loved ones are protected in case of your demise. This is especially true for your dependents. The insurance policy will act as a replacement of your income and will sustain your family especially if you have kids who are still dependent.

Leaves an inheritance for your family

An insurance policy will leave an inheritance for your family even though you may have other assets as well. Though the cover, your family can get access to funds which they can use for other purposes and can take care of all their monetary needs. This will make sure that the financial future of your family is sorted out.

Pays off debts and takes care of your expenses

Most people have debts and there is nothing as bad as leaving behind debts when you die without a paying plan. That will be a financial burden to your family. If you have a life insurance policy, your debts will be taken care of. If you have a mortgage, loans, credit cards or other expenses, you can be sure they will be well taken care of by the policy. Good thing is a life insurance policy is that it can also cover funeral expenses which may be high and may be a financial burden to your family.

Financial security

Life insurance helps to add more financial security to the family you are leaving behind. It will help to take care of education, provide finances for their marriage or even capital if they need to start a business. A life policy can act as security against a tax free loan if one needs a loan and that can help them access loans and have more financial security.

Protect your business

Life insurance can help protect your business in case of demise. It can help you cover an employee, some assets, fund a buy/sell agreement and provide tax free cash infusion among many other things.

As much as life insurance has many benefits, you need to keep in mind that the kind of company that you chose to engage with places a very vital role. Every company has its own policies and own terms on policies that you need to know. With the insurance Hero Life Cover you can be sure that all your life insurance needs are covered.…

A lot of people are not aware that there is a great number of people in this world who are living with some sort of disability. There are times when people assume that being disabled means being deaf or mute. Others may think that being disabled means not being able to move physically. Being disabled goes beyond that.

Since there is lack of awareness regarding physically disabled people, a lot of them normally feel uncomfortable when they are outside their homes. There are even some who still feel a bit tense even when they are inside their own homes. If this is your main problem too, what do you think are things that you should do?

How to Make the Physically Challenged More Relaxed

You have to remember that physically challenged people are still human beings who would need to relax and be comfortable most of the time. Some would even need more comfort than most. If you want to provide a gift for a friend, you may want to consider Mobile Spa Vancouver. They offer pampering services that will truly make a lot of people happy and relaxed. All people deserve to feel great.

Here are other tips to remember in order to make physically challenged people feel more relaxed:

  1. Make sure that you are going to treat people with disabilities as your equals. Do not make them feel that you think you are better than them in different ways. Do not be afraid to approach someone just because the person is disabled. Everyone wants to have and make friends.
  2. Understand that physically disabled people are in various spectrum when it comes to independence. There are some who are very independent and would not need the help of anyone to do various things but there are also some disabled people who would need people to do everything for them. Get to know the level of independence the person is in before you offer your help. If you offer it to someone who feels independent, the person may get offended.
  3. Do not assume that someone is disabled. This is also the same with not assuming that someone is not disabled. It has been mentioned earlier that all of us are disabled in some way. We are all different from each other and we cannot expect people to act the same way that we normally do.
  4. If the person does not want to tell you the reason why he/she has become disabled, respect the person because it is his/her right to keep that part of his/her life private. You are not required to know anyone’s story anyway. If in case you know about the disabled person’s story and someone else would like to know it too, it is common courtesy to ask for permission from the person first before you can share.
  5. Do not stare – Even if you feel like you have gotten inspired because of seeing a disabled person in public, this is still not reason enough for you to stare.

Knowing all of these details will make sure that the physically-challenged will feel more comfortable even when they are outside their homes.…

No one understands sick and work leave battles well than a parent of a disabled child.  In our modern socially digitalized world everyone is a lot more clued up on the struggles that disabled people are facing each and every day.  And yet, a lot more awareness is still required for especially the parents of these disabled children.  Employers and companies often don’t understand just how hard things can be when you have to care for disabled children.  Disabled children have so many special needs and proper care does mean a lot more mom and dad time since these children often has to undergo a lot more therapy sessions, extra classes and training sessions to get by or to improve their own personal capabilities.  And each and every one of these doctor visits, therapy sessions and training seminars requires mom or dad to take off from work.  Here are a few handy digital hacks to help you overcome these obstacles:

Handy Digital Hacks for Parents of Disabled Kids

Fake Doctors Note – A doctors note is one of the easiest and best ways to get off from work legally but as a parent of a disabled child you are already stacked with medical bills to cover and cannot really afford doctors’ visits whenever your child needs a bit of extra attention.  You can however get a fake doctors note online for free.  Yu can hand the fake note in and get off without having to pay an expensive doctors consultation fee.

Organizer App – Organizer apps are wonderful things! You can schedule all your appointments, doctors’ appointments, therapy sessions and more on your phone with automatic reminders so you will never miss out on an appointment again.  Evernote, Spendee and Todoist are just a few of the best organizer apps that you can consider.

HealthApps – These apps are changing medical care for the better.  You can download apps like DoctorOnDemand, HealthTap or HelloMD and enjoy virtual appointments.  Yes, with these apps you can check in with your doctor at any moment of the day or night and get a consultation and even prescription without having to travel the distance – which can be a good thing if you used all your available medical leave days.

Health monitor app – Apps like iCare Health Monitor is superb for anyone that face regular health problems.  This app allows you to track your blood pressure, heart rate, blood oxygen, vision, hearing, lung capacity and more and to keep track of results.  While it probably isn’t a good thing to make a self-diagnosis this app can be quite handy to pick up on spiking or recurring conditions before you start feeling bad.

Budgeting app – A budgeting app can of course also be tremendously beneficial.  When you have a disabled child there are a lot of medical bills to keep track off and you constantly need to invest in the right aiding tools like hearing aids and more.  A budgeting app will remind you of due payments and will help you balance your finances much better.…

When it comes to daily activities, driving for deaf individuals is a hard tough. The impaired hearing is not a side effect for deaf drivers. Right now, in the USA there are hundreds of deaf drivers safely navigating their way in automobiles. However, driving without the ability hear might have some downfalls so here are some tips for deaf drivers that would aid in better driving skills:

  1. Get Insured:

Deaf or not, car insurance is must for all drivers. Some folks do not believe auto insurance to be of much importance. That is a naïve move. What happens if God forbid, you have an accident. If you do not have coverage, the repairing expenses can put a dent in your bank account. Therefore, car insurance is imperative because it gives you financial security. If you live in the state of Arizona, AZ Business Insurance should be your first choice for car insurance.

Driving Tips for Deaf Individuals

Owned by two business specialists Wendy and Nicky, the AZ Business Insurance is thriving because Wendy and Nicky both have individually ten years of experience in the insurance industry. Arizona drivers should check out the Commercial Auto Insurance of the AZ Business Insurance. This company insures millions of cars every year with their top-notch auto insurance policy. Their plan comes with many options such as:

  • High limits of liability
  • Full glass coverage
  • Rental reimbursement (along with other enhancements)

In addition to the auto policy, they have a tool plan as well to guarantee the safety of your devices. Not many insurance companies provide this much coverage for the commercial vehicle, but AZ Business Insurance knows what’s best for its customers. So, go ahead, request insurance quotes and don’t forget to mention that you have a commercial automobile. Wendy or Nicky will respond to the quotation’s needs, and any other insurance requirements, you might have.

  1. Let Others Know:

Let’s say you get stuck in the middle of changing lanes while driving in a rush hour. You already know the desired response folks love to give other drivers who are in a similar situation and that is non-stop honking. However, if people honk at a deaf driver, the outcome would be nothing because a person who cannot hear won’t suddenly regain their sense of hearing if drivers honk at them.

Hence, while driving a car to ensure other individuals know that you have impaired hearing. A deaf driver must put up the deaf driver stickers on the bumpers and the windshields. It will prevent others from blasting their horns at you when you get stuck in traffic.

  1. Learn How To Fix Small Things:

Bad things can happen to anyone anywhere. Therefore, one must be ready for adverse situations. Being a deaf driver does not hinder your ability to perform small fixes on the car. Hence, before driving a car learn how to fix the necessary things in it. Basic car repairs come in handy throughout your life.

Plus, why waste hundreds of dollars on things you can fix yourself. First and foremost, learn how to fix a flat tire. Besides that, every driver must know about changing oil, spark plugs, brake pads and battery. Furthermore, find out how to jumpstart a car, replacing wipers, and removing a scratch from the paint.

  1. Don’t Worry If You are Pulled Over:

Getting pulled over is not a new thing, and it also shouldn’t scare you. While communicating with the police might be difficult for deaf drivers, it is not impossible. If the cop stops you then halt the car under a streetlight, so you can read the policeman’s lips. In addition to that, keep your deaf driver communication card with you every time you drive and remember your disability is not a hindrance.…

Visually impaired individuals have different requirements which must be fulfilled for them to lead a comfortable life. These requirements come in minor day-to-day dealings or could also be major life decisions. One of such decisions is choosing a house where you can live comfortably. A house which you own is truly a blessing. You get the freedom to do what you want, live how you like, and choose your lifestyle.

No one can stop you from being yourself in your house. When it comes to selecting a home design for the visually impaired, some things need to be taken into consideration. This article gives you a detailed guide on the essential things to look for while buying a house for the visually impaired.

House Designs for The Visually Impaired

1) Choosing the Site

Real estate is the very first thing you need to take care of. For folks living in Spain, there are various options for selecting a site; an open space but also gives the visually impaired person a chance to have their privacy. Information on real estate in Spain can be collected from the internet. Two good areas which are enormous and cheap are Almeria and Murcia. They are beautiful with an abundance of natural landscapes that give you a chance to experience the nature. Along with beauty, the areas are also subject to good climate throughout the year.

The summers are warm and quiet, and the winters do not bring long nights with them. The properties are suitable for the blind and their whole families. Contact Calida Homes by visiting www.calidahomespropconsult.com to obtain further details if you are interested in getting your house in Spain and living a peaceful life there.

2) Abundant Bedrooms and Bathrooms

The most significant thing about the house for the visually impaired has to be the number of bedrooms and bathrooms. A blind person needs to live in a place which gives her/him more room to be themselves. They should not settle in a stuffed place with several persons living together.

If you are getting your own house and you have a visually impaired family member, you have to get something which gives you space and room to move around. A comfortable store room to keep equipment which is used daily, and it should be close to the main bedroom as well. The bathroom should preferably be attached to the main bedroom so that it can be accessed quickly during the day and night.

3) Placement of Shelves and Other Furniture

While this is a most fundamental point, numerous individuals forget to take this into account when they are getting their own house. For a blind person, the placement of shelves and furniture makes the whole difference between feeling comfortable or being on edge all the time.

When you are buying your house, you have to check how the shelves have been installed in the rooms and bathrooms. The height of the shelves should be such that anyone easily accesses them. They should not come in the way when someone is moving from one place to another.

Sometimes, you can get the shelves causing a problem, removed. However, in other houses, they are fixed permanently and removing them requires an enormous money and time. Not to mention when you remove a shelf, you have to install another one somewhere else which again requires money. Therefore, it is always a better idea to choose a house that entails shelves in the right places and removing them is not a tough task.…

Deaf and blind individuals have unique needs. Construction that supports those needs is often hard to come by. But, with a little bit of research and ingenuity we have located construction news and needs for the deaf and blind.

When it comes to real estate, people like Terence McCarthy St. Pete, of TJM Properties, know how to invest their money. Construction aimed to better the lives of those living with disabilities is a rare commodity and hopefully it’s something that real estate moguls will find worthy of their consideration. McCarthy’s company is known for its ability to convert acquired hotels and historic apartment complexes into gorgeous assisted living and retirement facilities.

Construction Needs

But, not everyone is prepared to sacrifice to help. Thankfully, we’ve got some good news on that front. Keep reading to find out more.

Great News in Construction

Back in 2010, Ohio was looking to build more dormitories at its state schools for the deaf and blind. The bids it initially received were so high, 46% over projections, they had to be rejected. Then in the fall, bids started coming in at 22% below the original offerings.

Some are saying that the reduction in cost was due to a less competitive environment in the construction arena. Also, it is being attributed to the fact that construction workers are no longer required to be part of the union there.

The campuses standing to gain from this new construction sit side by side in Beechwold. They are on a large, wooded area. Thankfully, these new bids allowed the project to move forward. You can read that whole story here.

In other more recent news (2017), students at the Colorado School for the Deaf & Blind surprised construction workers with their very own handmade thank you note. Blind students attached their names in braille. And, one hearing-impaired student wrote, “Thank you for all your hard work. It truly means a lot.”

The HB Construction team had been renovating Jones Hall. They were part of a “giving tree” to fulfill student requests for family members. The students were moved by the generosity of the workers who were able to “crush the tree” because every student request was met. This in turn resulted in the overwhelmingly heart felt notes included in the students own handwritten messages. Click this for the full story.

Construction Needs

Deaf and blind individuals require specialized construction designs in a world that caters to those without these needs. Anyone desiring to enter the world of special needs construction will do best to evaluate the legalities attached to that line of work. In fact, there’s an entire subfield known as special needs architecture and some architectural firms that specialize therein.

One such firm is Dickinson & Partners. They were instrumental in the work done on the West Virginia Schools for the Deaf and Blind. ZMM Architects and Engineers joined with them to ensure that they each had working knowledge of the challenges to be faced and requirements to be met prior to undergoing the design.

Entities like this exist to protect and preserve the health and well-being of those with special needs. It would be advantageous to learn more about what construction needs exist to better support schools for the deaf and blind. For a historic understanding, read this.…

Photography is among the many profession and hobbies open to deaf individuals. If you’re a deaf person who is interested in photography or video making, don’t let anything stop you! Get yourself a sony hxr-mc50u and start recording and shooting whatever intrigues you. The HD handy-cam can record high quality video, offers excellent low light performance, offers steady and stable shooting and comes with wide angle g-lens. Now here is a list of two famous deaf photographers who can provide you with some inspiration to go and get that camcorder and start shooting:

Maggie Lee Sayre

Maggie Lee Sayre was a deaf photographer who was born in Kentucky in 1920 on a stream houseboat. She lived on a houseboat for over 50 years. Both Maggie Lee and her elder sister Myrtle were born deaf. Amid the school year, the sisters went to the Kentucky School for the Deaf in Danville, where they learned American Sign Language.

When she was 12, Myrtle was given a free camera by the Kodak organization. After four years, at age 16, Myrtle kicked the bucket and Maggie Lee turned into the owner of the camera. Maggie Lee utilized that camera to start taking more than 400 pictures that showed riverboat life, including fish and marine life. Her ability as a photographer who captured a lifestyle – the Tennessee River culture – that never again exists was not uncovered to the world until the point that the mid 1980s when she was discovered living in a nursing home.

After she was found, her book Deaf Maggie Lee Sayre: Photographs of a River Life was distributed. Chosen photographs from the hundreds she had taken are imprinted in the book, joined by photograph subtitles. The book was distributed in 1995 by the University Press of Mississippi. The book brought Maggie Lee acknowledgment, and her photographs were incorporated into a Festival of American Folklife on the National Mall in Washington, D.C.

Gallaudet University did a segment on her in their great video program, Deaf Mosaic. (Scene 304 can be seen on the web.) moreover, she was included on the ABC Evening News in 1995 as a Person of the Week. Sayre passed away in 2000.

Deaf Photographers

Tate Tullier

Maggie Lee did photography as a pastime. Tate Tullier is a contemporary deaf professional photographer. Tate as of now had a recognized vocation in photography before he increased further stature as one of 10 chosen people in Purple Communications’ Dream Bigger campaign, which regarded deaf people in such fields as arts, education and civil rights. Tate won $10,000 and was named the Trailblazer of the Year. He gave the cash to the Louisiana School for the Deaf.

Like Maggie Lee, Tate began taking pictures as a young high schooler. He was occupied with the Louisiana scene. While a student at Gallaudet University, Tate took pictures for both the Tower Clock yearbook and the student daily paper, the Buff ​and Blue. In the wake of graduating in 2003, he began his own photography business. At to start with, his business was situated in New York City. Tate soon moved it to his home province of Louisiana. At the point when Hurricane Katrina struck, Tate took pictures for a fundraising cookbook.…

Life today is much easier for disabled individuals for two major reasons;  Firstly, society is much more open minded, accepting and responsible towards disabled individuals and secondly; technology is making it much easier for the disabled to get by on their own.   

 

But that doesn’t mean that living with a disability is a picnic at all especially when it comes to the cost of living with a disability and disability equipment.   

 

The medical expenses of prosthetics, artificial hearing aids, operations and more can be quite overwhelming and is exactly why most families rely on a loan to get their disabled members the treatment and equipment they need. 

 

5 tips to secure your loan for disability equipment or treatments 

A lot of organizations are incredibly accommodating when it comes to disability equipment and medical expenses but these are still businesses.  They still need to make a good profit and the only way to do that is to run a credit check on prospective customers so they won’t end up funding equipment that will never get paid off.  Here are the top 5 tips to help you secure that loan you need;  

 

  1. Get a credit overview 

A good credit overview is always a good idea.  A credit expert will provide you with a detailed analysis of all of your previous credit records so you can see what your records look like yourself and so you may take note of any problems that might be pinned to your name. You can check out this Parkview credit repair review to learn more about credit firms, credit overviews, the pros and cons of getting a credit overview or of using certain credit services and much more.  

 

  1. Get bad credit removed from your report 

Bad credit like late payments, medical bills and more can reflect on your records long after the errors have been amended.  It is important to ask a credit expert to remove any bad credit from your name.  

 

  1. Improve your general credit score 

No credit agent will be able to remove bad credit if you didn’t at least try to manage your credit.  If you are behind on payments then it is time to start catching up.  A good credit score requires consistency when it comes to payments. 

 

  1. Save up some capital for the equipment 

You are much more likely to obtain a loan if you can pay for a percentage of the procedure or medical equipment.  Try to save up as much you can so you can reduce your installment fees and boost the chances of getting a loan. 

 

  1. Consider your loan options 

You have a lot more options than you might think.  The bank is by far not your only loan solution.  Look for alternatives like credit firms, loan firms or even consider your current mortgage bond.  You might be surprised at what you might find and at what might have been at your disposal all along.   

 

Everyone loves to travel, explore and experience something new and exciting.  To really travel involves much more than just seeing gorgeous landscapes.  All of your senses are important to really get a good travel experience.  You hear different sounds, different songs different stories and different accents.  You smell the scent of different perfumes, the fragrance of different smokes and essences, different spices, different foods and different locations.  You taste different drinks, unique recipes, cultural foods and much more.  You feel different fabrics, the difference between beach sands, the chill or warmth of the sea… Sight plays a small part in a true traveling expedition and there is no reason for a visually impaired or even blind person to refrain from traveling just because they cannot see.  Here are just a few tips for visually impaired travelers or for families that are taking a visually impaired member along on a long expedition.

5 Travel Tips for the Visually Impaired

Joining a club can make everything easier

When you join a club or membership everything about traveling becomes a lot easier and more affordable.  The club can sort out your traveling arrangements for you, will book your accommodation for you, plan all of your excursions for you and estimate a total travel expense for you.  They are also able to do this much more affordably because they already have all of their prices and travel routes in place and they accommodate thousands of travelers every year.  Occidental Vacation Club is a terrific holiday club for the visually impaired to consider because they offer travel packages with luxury accommodation and travel routes in terrific locations.

Take along your own connection

If you don’t want to be stuck using some slow Wi-Fi connection then you might want to take along your own internet package and get international roaming.  This is especially a good idea for visually impaired individuals because you can still enjoy zoom and speech technology for your special needs.

Group travels are best

It is always best to travel along with a group if you are blind or visually impaired.  There are just more people around that can help you if you get stuck in a bad situation and you don’t have to rely on a single friend or family member for all of your special needs.  If everyone pitches in, everyone will get to enjoy their holiday.

Look for travel discounts

A lot of touring firms, transportation companies and even excursion companies offer terrific traveling discount to disabled individuals.  Look for these travel discounts so you can get much more out of your holiday.

Plan your trip ahead

This is probably the most important tip for a great holiday experience.  Visually impaired individuals or the blind has to be incredibly close to objects to see them or they have to touch to see.  This is a major problem in most museums and tourist attractions since most of these don’t allow touching and are greatly barred off.  There are however a lot of famous museums and attractions that are more than willing to accommodate disabled travelers.  They will allow the blind to touch collectible objects or even enter certain restricted areas.  The only catch is that you will have to arrange and request ahead to get approval.…

People who are awarded with the gift of vision should know how to use it well. A lot of people usually forget about taking good care of their vision because they assume that it is always going to be perfect. If you were in the shoes of the visually impaired, how will you feel? Even with all of the things that are supposed to improve your vision, nothing else can change. Losing your vision permanently is a scary thing.

Some people are born visually impaired while other people develop it due to various diseases or circumstances. If you know someone who is visually impaired, it is important to give help to that person the best way possible.

There are different items right now that are used in the field of medicine that are meant to provide help to those who are in need. Doctors will usually benefit from using the right stethoscope because they will be able to hear sounds that will alert them if there is something seriously wrong with the patient that they are checking. Littmann master cardiology should be checked as this is highly recommended by a lot of people who used this item.

Providing Needed Help for the Visually Impaired

This is the same with those who are having issues with their visions. There are some items that they can use in order to use their remaining vision in the best possible manner. This is effective for people with degenerating visions. If you are knowledgeable about using these items, you can guide someone that you care for to make use of the items effectively.

Here are other things that you can do for the visually impaired:

  • Provide moral support. A lot of visually impaired people do not want to feel that they are being pitied so this is not something that you should do. What you should do instead is to make the person feel empowered in spite of their condition. Let the person know that he/she is always loved.
  • Accompany the person to go to checkups – Visually impaired people would still have to undergo checkups in order to see the condition on the eye. There are times when visually impaired individuals can be given a chance to see again depending on their current condition.
  • Ensure that the person’s house does not have clutter – They will have no problem going around their house as long as they remember the location of the items. If there is a need to organize things, help them out because they will appreciate it. Let them feel that you are doing it not because you pity them but because you truly want to help.
  • Become a shopping buddy – A lot of visually impaired people would like to go out of the house but would need a bit of help in doing so. When you are there for a person, you know that the person’s spirits will lift up even for just a bit.

With all of these tips, you will be helping a visually impaired person to feel more comfortable about his/her condition.…

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