Starting Early

We all need to do some financial planning to make sure that life goes on smoothly. Most people know the basics of financial planning. Everyone knows that one needs to start saving money as soon as one starts earning. Controlling your spending habits is equally important. Managing and balancing your income and expenditure is the most basic step in financial planning. Learning new ways to increase the returns on your savings and finding new ways to supplement your income are part of advanced planning. It is common to find people with no clue about their finances and they end up depending on others to help them.

Giving pocket money to a child has always been debated and there are pros and cons to it. There are many thoughts and opinions about this issue and it is more or less a personal or a family issue. There are certain factors which can be kept in mind while deciding whether to give pocket money or not. Age of the child is an important factor. At what age should you let a child handle money. There are parents who start with small amounts at a very young age while others wait for a child to reach mid-teens before giving an allowance. How much money should be given also differs from family to family. Parents have to decide the right amount so that it is not so less to seem inconsequential or so much that it loses its value.

There are differing views on giving an allowance to children. Some feel that it should be linked to some chores that should be assigned to the children, while some feel that it should be given with no conditions attached. Whatever the view, if this can somehow inculcate the value of money and handling and planning finances then it is the right thing to do.  Just handing over money is not enough. The parents have to guide and explain to children the different aspects of financial planning like budgeting and investing.

It is also a good idea to introduce the children to new ways they can invest their money or earn better results. Trading online can be a good option for young adults. There are platforms which provide a secure learning environment to the beginners and you can see this here. Introduce them to one such platform BTC Profit, which lets you trade at your own pace. This will, in fact, give them a lot of confidence and they may trade along with their studies and even after they have jobs. This will provide them with a secondary source of income and they will be always thankful to you for introducing them to online trading.

What you Need to Know about Crypto Loan and Taxes


Significant growth in the base coin currency in the digital cryptocurrency world has a lot of growth prospects that is slowly coming out from the shell of it being regarded as a volatile and unpredictable investment. Every strategy and trading matters, buying,holding, selling every time using the different trading platforms, that have given trade signals in different ways, has made you enrich the knowledge from different ways of trading and gaining from all the strategy used to get good payouts.

While there is a lot of speculation that comes by with online trading, these are a simple and effective way to foray in the crypto world without any prior experience. If you have the panache to trade and learn from the loss and gain approach, sign up and use different software, check over here at the   Bitcoin Loophole, to understand what sort of trading analysis the brokers give. While you get hold of the techniques to use the surplus amount in investing, make small profits, exit and use the same amount to go for a higher business or personal requirement. You can use the crypto lending tool to register and request for approving a crypto loan.

If the opportunity is good and there is a good source of lenders, this is the best way to convert or keep the coin currency as collateral and take up a loan for a short-term capital requirement or for even buying a new car. While the process to obtain a crypto loan is fairly simple and easy the tax liability is an area where most of us are worried.

  • if you are an investor and hold the crypto coins for long, sell them and make a good profit, you are attracting long term capital gain tax if you generate fiat currency like USD from the crypto coins
  • higher income havea tax ceiling that includes the additional rates to come in the 25%- 30 % tax bracket, reducing the profits to a great extent
  • while if there is any repeated selling of crypto coins, you are taxed for the original sale along with the recent selling, making it a huge tax liability

The best solution is to keep the cryptocurrency as it is, take up a loan against them, pay lesser interest and no tax as the transaction of selling is not complete until the coins are sold. This way a huge capital gain tax burden is reduced for the crypto owner.


The recent disruption caused due toblock chain and with this, the evolution of crypto currencies paves the way to the next stage. This leads to the decentralized computer networks eligible to maintain contracts, agreements,and transactions in an encrypted manner. The rise of block chaincomputing would be Bitcoin, a digital currency or crypto currency.

Purchase of crypto currency

In the world of crypto, it makes us feel scary at the initial stage, but with the help of Coinbase, it is much easier to deal with crypto currency. Coinbase is a recommended crypto currency exchange. It is easy to use and it is packed with friendly features that make exchange easier. It is a crypto currency broker that trades many crypto currencies in exchange for the regular currency.

This popular crypto broker is friendly and makes our work so simple.

  1. Coinbase account creation: Basic details like name, e-mail address, contact number,and personal details are given. The verification takes time.
  2. Payment method: Once the verification is done, bank account details are given. Coinbase suggests the debit card details rather than credit card details. This process also takes 2-3 days for verification.
  3. Crypto currency purchase: Once the bank details are verified, it is time to buy crypto currencies.
  4. Crypto Currency sale: This step is similar to purchase step. Select the amount to sell, and your funds are deposited in the local currency wallet.
  5. Withdrawal from Coinbase: Once the fund is transferred to the local currency wallet, the entire amount can be withdrawn to the bank account. This step also takes around 5 days for the currency to appear in the local currency wallet.

Once the crypto currency is being purchased, look here to start your online trading. It is always too good to have detailed research before putting your legs into a crucial step of your life.

It is very important to choose the right platform to deal with the transaction of the purchased crypto currencies. The online trading platform should be able to handle more transactions per second and manage higher volumes. It should be able to sustain system crash, server issue,and other irregular behaviorsefficiently. The 3 main things to be kept in mind before choosing the platform are:

  • Market and Liquidity: The crypto market is volatile and should be up to date
  • Incorporation and Regulation: The market should be incorporated into crypto friendly countries. Regulation like KYC, AML should be followed.
  • Banking: A secure banking facility has to be provided.


The following resources are taken from Life on Wheels: For the Active Wheelchair User, by Gary Karp, copyright 1999, published by O’Reilly & Associates, Inc. To order, or get more information about Gary’s book, call 1-800-998-9938. Permission is granted to print and distribute this excerpt for noncommercial use as long as the above source is included. The information in this article is meant to educate and should not be used as an alternative for professional medical care.

  • Disability-specific organizations
  • Disability advocacy groups
  • Hospitals
  • Personal assistance services
  • Functional electrical stimulation (FES)
  • Service animals
  • Wheelchairs and cushions
  • Home access
  • Sexuality
  • Parenting resources
  • Research support organizations
  • Adaptive technology
  • Athletics and recreation
  • Employment
  • Travel
  • Recommended reading
  • Disability publications
  • Internet resources and discussion lists


This Center has been created for wheelchair users who want to take charge of their life experience.

This Month’s Articles
[ Archived Articles ]
Public Attitude Toward Disability.There’s no way to avoid having public attitudes impact you. Here is a discussion of some of the issues.

The Experience of Disability: Change of Identity. Cultural views of disability color your sense of self and a sudden disability can foster a far-reaching self-evaluation.

Home Access: Entrance and Doors.Access begins with the door (and its width, approach, ramp, lift, hardware, and type).

Exercise. Chair users, especially, need exercise, both strength-building and aerobic. Exercise programs might include working out at a health club, using a standing frame, and sports, as well as manual wheeling and other daily activities.

Clinical Trial Ethics

Many people are reluctant to participate in clinical trials because they feel a sense of distaste for the idea of being experimented on, for being treated as if they were human guinea pigs. You’ve probably heard about the horrific medical experiments that were conducted on unwilling participants in Nazi concentration camps during World War II.1 You may also have heard about the shameful Tuskegee experiment, in which 400 African-American men with syphilis were left untreated for decades–even after a cure for syphilis became available–so that scientists could study the natural course of the disease.2 Those historical incidents along with several others–not to mention uncounted numbers of mad-scientist movies–have made many people wary of participating in clinical trials.

Fortunately it’s extremely rare these days for research subjects to be treated badly. Those past abuses have led to the development of strict ethical codes for the conduct of clinical trials. Since the mid-1960s participants in clinical trials have been the beneficiaries of strong ethical, legal, and procedural protections.

Cancer clinical trial

This information center has been created especially for people with cancer, and their families, who are interested in finding out about clinical trials.


This Month’s Articles
[ Archived Articles ]
Cancer clinical trial search interface.Patient-Centered Guides is partnering with HopeLink to provide a searchable database of cancer clinical trials. The full press release is on our Press page.

Phase III Clinical Trials. Phase III clinical trials are used to find out whether a new treatment improves on existing standard treatments. Knowing about the distinct advantages and disadvantages of Phase III trials will help you decide whether to pursue standard treatment or one of these investigational treatments.

The New Targeted Biological Therapies. There are promising new treatments for breast cancer and other cancers, including therapies currently available only in clinical trials. The article is derived from Musa Mayer’s book Advanced Breast Cancer: A Guide to Living with Metastatic Disease, 2nd Edition, © 2001 by Musa Mayer.

The Patient’s Respo

Technical Reading

Newly published medical textbooks are typically two to three years behind the latest medical information and research findings. More than 3,000 medical journals, written by and for doctors and scientists, present the most recent discoveries. More and more people are getting involved in researching their own conditions and becoming more active in healthcare decision-making.

While there are numerous reasons for fully understanding your risks for late effects, there are also very good reasons why you might want to restrict your research to particular areas, get a friend or family member to help, or not research at all. Chapter 13, “Researching the Medical Literature,” in Nancy Keene’s book Working with Your Doctor outlines the pros and cons of researching. It also explains how to conduct a basic search, find experts in specific medical conditions, and use a medical library.

The following journal article citations are but a few of the thousands available on the late effects of childhood cancer. You can get the full text of these articles from your nearest medical school library, hospital library, or through interlibrary loan at your public library.


Patient-Centered Guides founding editor Nancy Keene is maintaining the four books O’Reilly published on childhood cancer through Childhood Cancer Guides, a nonprofit organization she and Catherine Woodman, M.D., created to serve the childhood cancer community by providing information, emotional support, and advocacy. You can purchase Childhood Cancer Guides through O’Reilly or at your favorite bookstore. For more information contact or visit their web site at

News and Articles
[ Archived Articles ]2003’s list of Follow-Up Clinics for Childhood Cancer Survivors has been published.
Nancy Keene interview on childhood cancer. Author-advocate Nancy Keene answers questions on treatment advances, research directions, parent activism, issues for survivors, and more.

A study on survivorship published in JAMA shows that childhood cancer survivors do not have good information about their own medical history. It is impossible to get good follow-up care without this crucial information.

The Stigma of Lung Cancer

Written by Karen Parles, librarian and lung-cancer activist

“Prior to my lung cancer diagnosis, I was an art librarian at the Frick Collection. After treatment, I took classes (medical librarianship, evidence-based medicine, advanced Medline searching) and transformed myself into a medical librarian.

“Following my lung cancer diagnosis, I was appalled to discover the dearth of information available for lung cancer patients. As a research librarian, my instinct was to learn as much as possible about my disease, but the lack of patient information made this task difficult. After completing my treatment, I decided to create a devoted solely to supporting the information needs of lung cancer patients and their families.

“While my ongoing work with other patients has been extremely rewarding, what I have learned about the politics, economics and realities of lung cancer has sickened me. Treatment and support services for lung cancer lag behind those of other major cancers due to the smoking stigma associated with this disease. A constant reminder of this is the inevitable question people ask me when they learn I have lung cancer,