Emotional Support Letter And Dogs Can Aid Those With Mental Illnesses

Living alone is very challenging, forcing many into a depressive state and isolation. Many of these individuals do not have family members to communicate with or to lean on in their time of need. No one wants to live like this, but unfortunately there are no options available to these individuals. Instead of giving up on life and isolating yourself in a confined space, you should consider getting an emotional support animal. These animals are trained to assist individuals that suffer with mental illness. Just having an animal by your side, will definitely improve your life for the better.

Mental Disorder

Mental illness is very common in the United States and worldwide. Individuals that are diagnosed with mental illness will exhibit mental and behavioral issues. These issues will affect the individual’s life in so many different aspects, making it extremely difficult for them to function in the world. Some individuals will exhibit relapses, with episodes of feeling healthy without symptoms. However, others will exhibit signs and symptoms of their illness on a daily basis.

There are a wide variety of mental disorders and a mental health professional is the only one that can diagnose your condition. Many of these disorders are similar, making it even more difficult to pinpoint the actual diagnoses.

Feeling alone

Mentally ill people tend to push their family and friends away, because they are ashamed of their illness. Many feel that they cannot openly speak about their illness. They are afraid of being judged, so they decide to become more and more isolated from the real world. A service animal can assist you in your time of need. The animal will never judge or ridicule you no matter what. However, there are many roadblocks that you and your service animal will face.

Housing Difficulties

It is not uncommon for individuals who own emotional support animals to face difficulties with housing and traveling. Many airlines refuse to allow the animal to accompany the individual on an airplane. Landlords can also be just as difficult, but do not fret, because there is hope out there for you. With an emotional support letter, your animal will never be refused accommodations. In fact, most airlines are more than willing to assist individuals and their animal, with all their travel needs. All you need to do is present the document to an airline official, before buying your tickets.

The same goes with the landlord, just present the letter and receive the keys to your new apartment, condo, or flat. Never allow these people to run your life and tell you that you dog is not welcome in their establishment. Instead, apply for an ESA letter and never be bothered with this issue again.

Online Assessment

When applying for an ESA letter, you will need to undergo an online mental health consultation. You will speak directly with a mental health professional, which will determine your eligibility. This process only takes about 10 to 15 minutes and can be completed right over the phone. Once you are approved for the certification, the document will be emailed to you.

Investing in Physical Gold: Top Tips for Buying and Trading Bullion

There is no question that when it comes to physical gold, you are dealing with a very different animal in comparison to stocks and bonds, which is why you need to work out a strategy that allows you to take the right approach to buying and trading bullion.

If you want to get a good handle on where gold prices are headed right now, you can read it from MoneyMorning.com/tag/gold-prices/. In terms of investing in physical gold and how to go about it successfully, you would be joining a growing number of investors who reset their traditional thinking and investment approach after the global financial crisis of 2008.

This particular phenomenon is just one example, albeit a striking one, as to why many consider buying bullion to be a tangible attraction.

Picking the right time to invest

If any investor could accurately predict exactly the right time to invest every time they laid their money down, they would obviously be very wealthy and will have achieved something no one else has done up to that point.

Of course, some investors seem to fare better than others and some certainly appear to have that Midas touch, but there are ways of improving your odds of success.

If you are contemplating investing in physical gold, that same question may well be crossing your mind, is it a good time to invest? The simple answer to that question is that it has always been a challenge when trying to determine when the right time to invest actually is, and it will always be the case to a certain degree, although you can get clues to use, such as identifying specific trends.

When it comes to the gold price for example, this has managed to show an upward trend for the last decade overall. There will be times when the price will rise and fall in response to market conditions and how markets are faring in general, but if you at least know that there is an established trend in a certain direction, it can help you to stress less as long as you are taking a longer term view with your investing.

Setting objectives

A simple rule that works well in the sphere of investing in gold in particular, is to set some clear investment objectives and then stick to them.

You can afford the luxury of having several objectives, that are both short as well as long term, but the main thing to remember is that you must aim to avoid deviating from your chosen path.

This means avoiding the sort of knee-jerk reaction that can ultimately cost you money, when you abandon your strategy in response to individual market events. If your thinking and strategy are sound, it often pays to ride out the storm and not react to price fluctuations either way.

Understanding the connection

It is also important to understand that there is a connection between currency values and physical gold.

Buying gold bullion should be viewed as just one part of the investment equation. At the point of investing in a commodity like gold, which is priced in U.S dollars, you are in some respects striking two different bets at the same time.

You are not only speculating on the future value of the metal, but you are also exposing yourself to an element of currency risk, as the future value of the currency will be an influential factor in the value of your investment.

Storage and insurance issues

When you are looking at acquiring some physical gold in your portfolio, you will need to consider storage and insurance costs.

Bullion perhaps presents a more logistical problem compared to coins or small ingots, which are more portable and easily stored. You should however remember that gold coins are not viewed as an ideal investment vehicle for short-term trading.

Prices for coins can fluctuate with more volatility, so it is often considered better that you hold any coins for at least three years and probably aim to hold them for a lot longer.

Information at your fingertips

Apps are an increasing feature in many aspects of our lives and it makes sense to use the technology to gain a potential edge with information available from a smartphone app which could help you to decide when to invest in gold.

For access to explanations for terms and scenarios that you encounter in financial markets, you might want to look at the Investopedia app, although it does cost to download it. Gold Research is an iPhone app that aims to give you an insight into supply and demand drivers, provided by World Gold Council researchers and other specialist contributors, and it is free to download.

Search around and you will be able to find a range of different apps that should appeal to your level of market knowledge and help you with your investment decisions.

Sophie Simmons learned much of what she knows about trading and investments from her Grandfather. It’s something that has set her up for life, and she’s pleased to be able to share some tips with like minded people in her articles.

Can a Home Equity Loan Help You?

Can a Home Equity Loan Help You?Banks and other lenders often eagerly offer a home equity line of credit to homeowners in good financial standing. The terms may be tempting: A low interest rate applied to the property’s equity or current paid value accessible with a debit card or bank transfer as needed. With a home value that exceeds what is currently owed on the balance of the mortgage loan, it makes sense to use those funds for immediate needs, like remodeling the kitchen or building a patio.

But home equity loans are not reserved just for home remodeling or repairs. Available credit on a property’s value can be used for anything that a regular credit card can buy. Consequently, it is easy to spend that money when it becomes available through a home equity line of credit. This is done by applying for a loan, with the property used as collateral against the loan. So, if something happens to prevent you from repaying the loan, your home can be taken by the creditor, and you will lose it. In effect, a home equity loan is a second mortgage on your property.

Many homeowners don’t want to risk losing their property by taking out a second mortgage based on their home’s equity. Keeping up with the regular mortgage can be hard enough, especially if you become unemployed in losing your job or are able to work only part-time. Having two mortgages to repay increases stress and the financial burden of meeting payment due-dates. Trying to sell the home to get out from under the mortgage payment becomes extra difficult, as the second mortgage will have to be paid first by the homeowner or from the proceeds of the property’s sale.

However, under the right circumstances, a home equity loan can be very helpful. First, it allows you to make use of the equity accrued on your home rather than letting it sit idle. If your home is worth $150,000 and you still owe $70,000, there is a substantial amount of available credit in your home’s equity. Keep in mind that the lender will advance a percentage of the current equity, on average about 85 percent, balanced against your income and any other outstanding debts.

Second, interest paid on a home equity loan can be claimed as a deduction on your tax return. Certain conditions may apply, so you will need to discuss this with your accountant or carefully read the tax rules if you prepare your own returns.

Third, home equity loans are often approved at lower interest rates than standard credit cards or credit accounts. A line of credit against your home’s equity could be the cheapest way to finance a college education or a dream vacation. The main thing is to be sure you can afford the monthly payments with low risk of default.

A home equity loan is a convenient source of credit that may be readily available at your fingertips, depending on your home’s equity and your other financial obligations. If you are thinking about borrowing money for a substantial but necessary or long-planned purchase, contact a lender who is offering great terms on a home equity loan. Then compare the advantages and terms with other credit offers currently available.

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