13 November 2018

4 Benefits to Investing in Physician Disability Insurance

Becoming a physician is a challenging process because you invest time, money, and effort in it before you start practicing it. This investment includes a four-year undergraduate program, four years in medical school and then three years minimum training as a resident doctor.

Investing in your future does not stop at this point. Instead, it evolves into something else. More specifically, you secure your future by planning for unfortunate events. Remember, planning for them does not mean that they will happen. It only means you are ready for them if they do. Here are 4 benefits to investing in physician disability insurance.

#1 - Protecting Your Income
The median wage for physicians is $208,000 annually. In contrast, the average salary for people with doctorate degrees is $81,400. That means physicians have a high standard of living compared to most Americans. What would happen if that standard of living dropped significantly because of disability? Remember, physicians move about the hospital all day checking on their patients, examining charts, and talking to nurses. Operating normally would be difficult for them if they have a disability. Disability insurance secures your income even if the medical organization you work for lets you go because of your disability.

#2 - Helping You Focus on Recovery
A recent study revealed that 20% of Americans live with a disability. Interestingly, only 2% of American physicians live with it. However, the same study shows that disability in the vast majority of physicians mostly occurs after they have completed their training. Studying for another career at this point is difficult because they have already spent a minimum of eleven years on this one. Pursuing this career is a challenging experience as well because they now have a disability that impedes their work. The solution to this predicament is disability insurance. It helps you focus on your recovery. In other words, changing careers is unnecessary as is straining your body with work. Instead, your insurer will take care of you as you recover from your disability.

#3 - Giving You Peace of Mind
Physicians deal with stressful situations every day. For example, some patients come into their office coughing only to leave it for emergency rooms because their condition worsened. Physicians also work for over ten hours a day making it hard for them to spend time with their loved ones. Disability insurance lifts some of this stress from your mind. More specifically, worrying about what will happen if you suffer from disability becomes unnecessary. Instead, you will live freely knowing that you and your immediate family members are secure even if something unfortunate happens to you. However, always take precautions to avoid disastrous incidents that lead to serious injuries.

#4 - Limiting the Accumulation of Debt
Over 40 million Americans have a student loan debt with 14% of them owing more than $50,000. As a physician, you already know how expensive medical school is. For example, the average student debt for a physician is $189,000. Consequently, financial prosperity is difficult for physicians because of this debt. Now imagine if a physician had to pay for health expenses brought about by a disability in addition to this debt. At the same time, the physician income would drop drastically because of this disability. That means the only recourse he has to meet his needs is borrowing money from loved ones or financial institutions. Physician disability insurance helps you avoid this situation. It does that by paying for your medical expenses in addition to supporting you financially when you have no income.

8 Places You Must Visit in Portugal

If Portugal is not your favorite destination in Europe, it is time you revisit. The beautiful destination is all about excellent food, incredible coastline and great people. There is nothing to not love about this country and one visit might never be enough for you. On your visit to the country, you will realize that there is so much to see and do here. Here are the best places to visit in Portugal.


The most important destination in Portugal, Lisbon is frequented by every traveler. Lisbon is a convenient way to get started with your visit to Portugal. It will give you an insight into what the country is and what the people are all about. Alfama is the most favorite neighborhood for many when in Lisbon. There are a number of restaurants and bars which are a must visit and they promise a good time.


A very short ride from the capital of Portugal, Sintra is a little town which is colorful and charming in its own ways. There are playfully colorful buildings and small streets lined with pretty cafes. You can literally spend an entire day in the sloped alleyways.


Lagos is the ultimate place for impressive beaches in Portugal. You will notice some colorful red rock cliffs and secluded beaches which will make it worth the money you spent on your holiday. It is an all time favorite destination for many travelers and there are a number of options for holiday rentals. You can simply sit back and relax while the world passes by. Whenever you visit Portugal, this is one destination you should not miss out on.

Pastéis de Belém--

A very popular place in Lisbon and a must visit, Pastéis de Belém is home to the famous tarts of Portugal. If you are headed to Portugal, you have to try the tarts. They have a warm, egg centre due to the constant output and there are locals always waiting to get some for themselves. This place is famous and is thronged by the locals as well. Hence, if you are keen on trying the delicious local food, do not make the mistake of missing out on this place.


Located in the north of Portugal, Douro Valley is a beautiful landscape with stunning views. It offers the best of Portugal in terms of scenic beauty, the food and wine. Hire a car and drive to this beautiful region and soak in the natural beauty that exists here.

Pena Palace--

Since you are driving to Sintra, you cannot miss out on the Pena Palace. It is located on the hill overlooking the surrounding region and is a very colorful castle. It is indeed one of the most beautiful in Europe and is worth a visit.


Apart from Lisbon, the most popular cities to visit in Portugal is Porto. It has a medieval past and an authentic riverside. One of the most gorgeous cities in Western Europe, Porto is worth discovering. It will leave you mesmerized and will give you a different perspective of the city.


Aveiro is located on the west coast of Portugal and is a gorgeous coastal town which is little known. The best thing is that the town remains less crowded and is filled with colorful boats, welcoming locals and intricate architecture. This is a hidden gem you need to discover and once you do, you will want to stay for longer. Aveiro is a destination you should not miss out on. It is worth the time and the money.

Portugal is a must visit destination for every traveler visiting Europe. It promises an excellent time and offers an unmatched experience to every type of traveler. There are seven regions in Portugal and there is also a lot to see and visit, hence, when you plan your trip, ensure that you have enough time in this beautiful destination and can live like a local. No destination can beat the picturesque beauty of Portugal and it is on the bucket list of many travelers. The country borders Spain and is easy to reach. To make the most of Portugal, book the accommodation in advance and enjoy lower fares. If you want to hire a taxi for your travel, you can book the same once you reach Portugal. Enjoy the local delicacies and embrace the culture of the stunning land. Tick off Portugal from your bucket list at the earliest and enjoy a memorable holiday with friends and family.

5 Benefits of Commercial Power Washing for Homeowners

Proper cleanliness and maintenance is something that is essential for every living space. Your home is where you and your family spend a major part of your lives. Of course, it deserves a fair amount of attention when it comes to maintaining its cleanliness. The first impression that a visitor gets about your home is from the appearance of its exterior.

A well-maintained exterior indicates your love for your home and your focus on making it the best place to live in. Therefore, you must make sure that it is done to perfection. Hiring a professional commercial power washing company is the best way to do it because they give you excellent services. Here are some benefits that you can attain by investing in professional power washing services for your home.
Enhances Your Curb Appeal--
As mentioned before, a good-looking exterior of your property goes a long way in making the first impression on anyone who steps in. Periodic power washing gives the place an instant facelift and enhances its curb appeal as well. While you can feel the pride of owning a beautiful home, the entire family will be happier as they get a positive living environment. If you are planning to sell your house, a power wash can get you a better price because it can add value to the overall appearance of the property.
Prolong the Property’s Lifespan--
Another reason that homeowners should readily invest in commercial power washing is that it prolongs the lifespan of the property. Contaminants such as moss, algae, mildew and exhaust residue can cause corrosion in the long run and increase the costs of repairs and maintenance. With professional cleaning, you can get rid of these agents on a periodic basis and ensure a longer lifespan for your business property. Additionally, common issues can be easily detected during the cleaning job and you can get things rectified before they cause any major damage to the property.
Makes the Living Environment Healthier--
Professional power washing not only gives the place a shiny, new look but also ensures that contaminants such as mold, mildew, and moss are eliminated as well. Removal of contaminants will also make the air quality better and healthier.  You will probably be able to handle only the exterior cleaning if you are washing your deck yourself. With expert services, however, you can have a safer and cleaner environment to live in. This will enhance the health of the family and give positive vibes to your living space.
Reduces Homeowners’ Costs--
Hiring professional cleaners to look after the regular cleaning requirements of your home is a smart move. If you try doing it yourself, you will have to invest in expensive cleaning equipment and materials. Despite making these expenses, you may not be able to do them well enough and the results may not be satisfactory at all. By hiring a professional, you can get things done with heavy-duty commercial equipment and the right kind of cleaning materials that work on specific stains. Even if you do spend a little more, the results you get are lasting and visible.
Lowers Accident Liability Risks--
Getting your premises cleaned by untrained people puts you at risk of liabilities related to accidents. After all, you cannot expect to do it yourself without the proper skills related to cleaning and power washing. But with a professional provider to handle the same, you get access to trained people with the right skills, experience, and equipment to do the task. These are some things that you should verify before engaging a provider for doing your job. Not only will it be done well enough but there will also be minimal risk of accidents and safety hazards while performing dangerous jobs like window washing and roof washing.
Considering these facts, it becomes clear that commercial cleaning and washing should be entrusted to professional cleaners rather than just anyone. When it comes to the frequency of the job, it varies on depending on factors such as your home’s location, family size, and your personal preference. Families with young children, for instance, require cleaning at shorter intervals as compared to those living alone or without children. Similarly, the cleaning and washing requirements of houses located in high-traffic areas are more than those located in the countryside. Whatever may be your needs, periodic cleaning is a must to keep your home in a great condition as well as maintain good health for your family members. Having it done from professionals guarantees a job well done.

5 Reasons Why You Must Visit Vienna

The Global Livability Index 2018 has named Vienna as the most livable city of 2018 and there are plenty of reasons that it deserves the title. It has some pleasant sights and several large green spaces, clean and wide boulevards, an efficient transportation system, and much more. Besides being a great place to live in, Vienna is also a wonderful destination for tourists as well. It is a city that you will fall in love with and would want to visit time and again. And if these reasons are not enough to make you excited about visiting the city, let us give you some more.

It Has the Famous House of Habsburg--
Vienna is a paradise for history buffs as it is home to several world famous monuments. The city is home to the House of Habsburg, which is amongst the world’s largest palace complexes. It comprises several wings that are designed a variety of architectural styles from the 13th to the 20th century. The palace stands proudly, with a glorious history of being the seat of control for seven centuries. You can explore the palace grounds on a Fiaker, a horse-drawn carriage with its drivers doubling up as your guides.
It Houses the Great Austrian National Library--
Another reason that you must visit Vienna is the Austrian National Library or the Österreichische Nationalbibliothek, which is among the most beautiful libraries in the world. The magnificent cupola is decorated with beautiful frescos. Besides being revered for its lavish Baroque style architecture, the library also has a wonderful collection of books, historical manuscripts, maps and globes.
Sachertorte, the World’s Most Famous Cake, Belongs Here-- 
As soon as you land and make way from Vienna airport to any hotel, Sachertorte will be one name on your mind if you have done some research before your holiday. Referred to as the world’s most famous cake, this is a classic recipe that originated in 1832 and continues to win hearts even today. The delicious chocolate cake is layered with apricot jam and is served with unsweetened whipped cream. The famous Sacher Hotel is the place to taste this handmade, original recipe.
Vienna Is the Music Capital of the World--
Besides history and food, Vienna is acclaimed for its music as well. The city has been home to some great musicians, with the likes of Mozart, Haydn, Vivaldi, Salieri and Schubert. Music still runs in its veins, with places like the Museum of the Johann Strauss Dynasty, Arnold Schönberg Center and the Mozarthaus keeping its musical legacy alive. It also hosts several musical concerts all through the year.
It Has the Historic Prater Amusement Park--
If you are visiting the city with family, the Prater amusement park promises a great experience full of fun and excitement. Also known as the Wurstelprater, this wonderful park is located on former imperial hunting grounds. The biggest attraction that it offers is the Wiener Riesenrad, a Ferris wheel that offers spectacular views of the Danube and the entire city.

Some other attractions that you should not miss while you are in Vienna are the Schönbrunn Palace, the Vienna State Opera and the Naturhistorisches Museum and the Kunsthistorisches Museum. The city is a true gem and the best time to visit it is during the Christmas festivities, when it replicates the magical vibes of the season.

02 November 2018

5 Things to Do During a Power Outage

A power outage is one of the things that no one wishes for. This is because it turns your life upside down. It leaves you without any form of entertainment. The worst is that it isolates you from the rest of the world. There is also the possibility of food going bad in the refrigerator. Regardless of how we love to hate power outage, it still happens, especially when it’s least expected.

As a matter of fact, most people don’t know what to do when a power outage comes calling. Some opt to sleep while others prefer to tell stories. Here are tips on how you should carry on with your life in the midst of a blackout.
#1 - Switch the Generator
Every homeowner that has a generator does not dread power outage. This is because life goes on as usual without any interruptions. While your neighbors are concerned about an electric pole that was hit by  a heavy truck or a transformer that was damaged by heavy storm, your world doesn't come to a stand still. You enjoy walking around in a home that’s well lit. If you had any food in the fridge, you are sure that it will remain fresh in the long run.If you were working n a project using a computer or a laptop, there is nothing to stop you from finishing the job. You can also watch news on TV and so much more. The list of benefits of investing in a generator is actually endless. The good thing in that there are affordable and energy efficient generators in the market. For more insights on generators, you can view more on bestgenerator.reviews.
#2 - Turn on Battery Powered Radio
If you don’t have a generator, you might get bored during a power outage. The situation can be worse when you have a family. When the TV is off and the gaming console is off, most families don’t have much to talk about except staring on their dark walls as they wait for a miracle to happen. You can break the ice by simply turning on a battery powered radio. This will enable you to listen to popular music and talk shows. You will also get to know how the rest of the world is fairing by listening to news.
#3 - Open the Fridge
This one is a no-brainer. The fridge can only preserve food and drinks when there is electricity. When power goes off, you should open the door of the fridge and the freezer. This will prevent food from going bad by allowing fresh air to circulate in and out of the freezer. The logic behind this argument is that temperatures may build up in the refrigerator during a power outage. If the power outage lasts more than 5 hours, you should consider sharing the food with your neighbors because it will eventually get wasted.
#4 - Unplug All Electrical Appliances
The worst mistake that you can make during a power outage is to leave electrical appliances unplugged from the wall socket. This is because the power might come back with a huge impact and induce surges and spikes that often end up damaging electrical appliances. Even if you sue the power company, the blame will fall squarely on you for being ignorant. In fact, such surges and spikes might ignite a fire that can reduce your home into ashes. For instance, if you leave an ironbox connected to the wall socket, it will definitely turn on when power gets back and start to burn your clothes. The fire will later spread in the entire house.
#5 - Use a Flashlight
A flashlight comes in handy when there is a blackout. This is because it enables you to see where you are going and what you are working on. When you have a clear vision, you can avoid knocking things down. You can even prepare a meal in the kitchen without being messy. However, some people prefer to use candles because they are cheap. Candles are actually very dangerous. A candle can fall accidentally and start a fire. Besides that, candles are not economical like we are made to believe. One candle can’t last for more than 4 hours unless it’s a giant size. Moreover, its flame can be easily blown out by wind.