Finding Relief from Unrelenting Back Pain

Ever since I woke up this morning, my back has been in a lot of pain. I just want it to stop, so that I can feel somewhat normal. I don’t feel like that is too much to ask, but I have done everything I can think of and I don’t feel any better. I am left to schedule an appointment with a Santa Rosa chiropractor because I can’t honestly think of anything else to do to try to make my back feel better.I started out this morning to try to stretch it out. I warmed up, and did a bit of aerobics, and then tried to stretch.

After that didn’t work, I moved on towards trying to do some yoga, but I quickly found I was too stiff to do much of anything. More than that, the yoga kind of made my back hurt more, which is a bit unusual. I was pretty disappointed at that point, but I didn’t give up.Instead, I took some anti-inflammatory medicine, and I warmed up a heating pad in my microwave. Then I went and laid down on my bed, belly side down, with the

How Women Can Get Ahead of the Retirement Savings Gap

gap

When it comes to saving for retirement, women might be pleased to learn that they are more likely to enroll in their workplace savings plans than men and to save at higher rates. That’s the good news, according to a just-released study by investment management company Vanguard.

The not-so-good news is that, even though women are setting aside a higher percentage of their incomes for retirement, their account balances remain smaller than those of male workers. In fact, Vanguard found that men who participated in workplace savings plans had account balances that were 50 percent larger on average than women participants.

What’s more troubling is that a separate study by Financial Finesse — a workplace financial wellness provider — showed that women’s shortfalls in retirement savings were exacerbated by the fact that they need bigger nest eggs than men. Not only do women live longer, but they also have higher healthcare costs throughout their lives.

“If you as a woman want to ensure your financial independence, you have to save more than a man does,” said Kelley Long, a certified financial planner with Financial Finesse.

How much

Is Now the Time for Reverse Mortgages for Baby Boomers?

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alk about back from the dead. About 15 years ago, so-called reverse mortgages — which let senior citizens pull out equity from their homes to supplement retirement income — were just about buried in bad press. Too many bad products and bad deals gave them a terrible rep, said Casey Fleming, a mortgage adviser in Northern California.

But that was then. Now there’s a shift. “Reverse mortgages are becoming more popular, as baby boomers retire,” said Jamie Hopkins, a professor of retirement at the American University of Financial Services in Bryn Mawr, Pennsylvania. “In the next two to three years you will see a tremendous amount more. A lot of our wealth is built into home equity. This will be a saving grace for a lot of baby boomers.

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Both experts are right, but many things have happened that effectively have put reverse mortgages on the financial planning agenda for some baby boomers. The main thing is: boomers may need the money. Many are coming up woefully short when it comes to retirement savings and investments.

Avoid These 10 Retail Scams That Target Holiday Shoppers

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While you shop for gifts for your friends and family members this holiday shopping season, don’t fall victim to the schemes that retailers use to take advantage of your holiday spirit and eagerness to get a good deal. Learn the most popular retail tricks and why they often work so you can avoid or overcome them this holiday season.

1. They Relax You With Carefully Chosen Music

Think of how noise around you often affects your mood. Head into a store with loud, disruptive music or yelling, and you’ll likely want to get your shopping done and get out of there as soon as possible.

But research reported by the American Psychological Association and European Journal of Scientific Research shows that when you go into a store with relaxing music, you are much more likely to spend more time in the store. Spending more time in a store can lead to spending more money before you leave.

Shoppers who hear classical music while shopping, for example, might spend more money than they planned because classical music is connected to the perception of affluence, reported U.S. News. This tactic is used more frequently during the holiday season, according

As beginners get started in the Forex market?

Forex beginners sometimes seem “thing in itself.” Coming on Forex, novice traders often do not know where to start. Technique opening trades, market analysis, exchange rate movements – all this at first seems incredibly complicated. As a result, beginners often fall into two extremes – to play “at random” or not work at all in the Forex market. Meanwhile, to learn Forex trading for beginners is quite capable.

To work on the Forex market is quite successful. But it is not “at random”. Forex – financial market laws, the main of which can and should be no casino it operates here is not a theory of probability, and to know to become a successful trader.

But to learn at least the most important of these laws, not necessarily to become a graduate of Harvard or economic gurus.

As rightly wrote back in the 1990s, an American journalist (recognizing that Albania has released ADR – American Depositary Receipts): “If Albania has been able to do it, then why is not my barn to do the same?”

To navigate in the Forex market, we should start first of all, to get answers to some basic questions.

How to work on the online trading platform?

The technique works on

Don’t Let the Airlines Lose Your Luggage This Thanksgiving

NEW YORK — Heading into winter, fliers should take extra precautions with their checked luggage — December and January are traditionally the worst months for lost bags.

To avoid problems, arrive at the airport early enough to let your bag get to the plane, and print out a copy of your itinerary from the airline’s website and stick it inside just in case all the tags get ripped off.

In the U.S. during the first nine months of this year, 3.3 bags for every 1,000 passengers didn’t make it to their destination on time, according to the Bureau of Transportation Statistics. That’s not great if you are one of those people whose bag is delayed or lost. But consider this: during the 2007 peak in air travel, airlines were mishandling more than twice as many suitcases — 7.2 bags per 1,000 passengers.

Globally, the baggage-mishandling rate has fallen 61 percent from its peak in 2007, according to SITA, an aviation communications and technology provider. That has saved the industry $18 billion.

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The vast majority of bags — 80 percent — aren’t lost but just delayed, according to