The health of your eyes, and therefore the
quality of your vision, can naturally decrease over time as you age. Although
this is sometimes unavoidable, there are actions that you can take to protect
the health of your eyes.
Your vision is a very important aspect of your overall health. When your eyesight is compromised in some way, then this can impact your quality of life and also your independence.
Since first being introduced in the early 1980s, CPAP therapy has become the main treatment for
obstructive sleep apnea (OSA) by those in the professional sleep medicine
community.
CPAP therapy helps
keep your upper airways open at night so you don't snore or experience apnea.
With it, you wear a nasal mask and a small CPAP machine sends the right amount
of air through it to your nose while you sleep.
As technology has advanced, CPAP machines have become smaller, quieter, and more sensitive. Now they can detect changing patterns in breathing caused by neurological disorder, as with central sleep apnea. CPAP machines come in a wide range of choices. You can choose between different styles, portability options or data storage features. You can also get them with sophisticated humidity controls for optimal comfort and advanced airflow delivery systems.
SMSFs can be a great way to grow
and manage your retirement savings. The biggest advantage of an SMSF is the
ability to invest in property and other assets that would otherwise be
restricted for self-managed super funds.
An SMSF is not without its
disadvantages, however. Setting
up an SMSF may require you to get professional advice about the law and tax
implications. You will also need someone with experience with superannuation
administration to help you set it up and keep it running smoothly.
No, your SMSF cannot lend you or
any of your relatives money. Making this type of loan must be avoided:
There are many misconceptions
about SMSFs and one is that it's a way of providing financial assistance to
some members or relatives. Section 65 of the SIS Act prohibits superannuation
funds, including SMSFs, from providing financial assistance to members or their
relatives.
SMSFs are a low-cost, high-return
investment option. They offer lower fees and higher returns than many super
funds and bank accounts.
No minimum contributions are
needed and they're easy to set up. The catch is that SMSFs are not as flexible
as public or industry funds and cannot be accessed until retirement.
What is an SMSF Loan Agreement?
SMSF stands for Self-Managed
Super Fund. An SMSF Loan Agreement is a type of loan contract that is used when
an individual wants to borrow money from their Superannuation Fund.
The SMSF Loan Agreement is a
specific type of loan contract that is only available to the members of an
SMSF. This agreement provides the borrower with access to their Superannuation
Account for funding purposes and must be repaid with super contributions or by
withdrawing from the account in later life.
An SMSF Loan Agreement allows a
person to borrow funds from their Superannuation Account without paying any tax
on it as long as they are over 60 years old - this means, they have reached Age
Pension age.
The costs of running your own
SMSF fund can vary dramatically depending on the size of the fund and a range
of other factors. It’s
also not easy to get an NDIS Loan
using your SMSF
There are three types of
accountants that can be used to manage your self-managed super fund:
1) Relevant Member – The accountant who
is a member in the same professional organisation as you or has been a member
for at least 5 years.
2) External Member – A person who is not
a member in the same professional organisation as you but is otherwise eligible
to act.
3) Non-member – A person who is not a member in the same professional organisation as you and does not qualify under any other category.
Teeth whitening is becoming ever more popular in 2021 so we wanted to review the benefits and dangers of teeth whitening as well
Teeth are made up of enamel. Teeth are made of a special type of mineral called, Materia Extablema or “extrinsic substance”. This substance is found in other tissues of the body and also make up your nails, hair, and skin. Teeth don’t really have any mineral body of their own. If they did, like bones or shells, you would notice. This is why it is called “extrinsic substance”. This substance of your teeth isn’t really what’s causing yellowing. It’s the fact that the enamel can wear away and the fluoride used in dentistry can seep into the area and do more harm than good. It is possible that for some people (people with extremely sensitive teeth) things may be more difficult.
