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Afford IVF with Crowdfunding and Fertility Loans

Without a doubt, in vitro fertilization
(IVF) remains one of the most expensive infertility treatments available. It
can get even more expensive if a surrogate is involved. Considering that a
round of IVF can cost at least $8,000-$12,000 when you include the costs of
medications, you might be wondering how to afford IVF. If so, you’re not alone. The
cost of the treatment may be so high for some people that the treatment isn’t an option.

Given that you might need three or more
round of IVF to have a baby, IVF costs could be more than $36,000. Take heart,
though, because with some forethought, creativity, and diligence, you can
figure out how to afford IVF and then move on to planning for your family. Many
people make the decision to go with the treatment and figure out how to afford
IVF later – just because for some, IVF provides the only path to conception.

If you have a great community of supportive
friends and family members, consider hosting a few fundraisers to help with the
cost of building your family. Get your church or neighborhood involved on your
behalf. You may need to share your story and be open about your infertility,
but the upside is that sharing personal details gives people a chance to
support you. Talking about your dreams for a child may inspire others, and
develop or deepen relationships, too.

Not so long ago, crowdfunding, which is
essentially pooling together resources from people you know and people they
know, and sometimes people you DON’T know – wasn’t easy to do. Today, it’s as
easy as starting a campaign on YouCaring.com or a similar site.

Crowdfunding grows in popularity every
year. Sites like YouCaring and GoFundMe allow anyone to create a page and ask
people for donations to their cause. It is not uncommon for couples to use
those platforms to raise tens of thousands of dollars for IVF. Sign up requires
no money, so you can get started free of charge.

One couple raised over $60,000 toward their
IVF costs through the YouCaring platform. The key to success with crowdfunding
is that you may need some momentum through donations from family and friends
before total strangers will donate money to you. If you set up one of these
crowdfunding fundraisers, be sure to share it with family and friends via
social media often. Once you get traction, you may begin seeing donations from
people you’ve never met and that are just sympathetic to your situation.

If you have good credit, you can probably
qualify for fertility loans.
These special loans cover specific types of treatment, and may or may not come
with fees. The upside of using fertility loans is that the companies are
usually associated directly with a clinic (called a participating center or
something similar).

Because these businesses specialize in
working with people wanting to build a family, they are often family-centric
and comfortable with the anxieties and nuances surrounding IVF. The loan
process is usually quite straightforward.

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Resume Writing Services are Everywhere – Here’s 5 Signs You Might Need One…

Your resume gives recruiters a one-page glimpse into your career and who you are as a professional. It’s similar to the summary often found at the back of the book, your career synopsis – and your one goal is to make it interesting enough for hiring managers to buy. With how important your resume is to overcome the hurdles necessary to landing a job interview, it’s crucial that it’s crafted to perfection. No spelling mistakes, no grammatical errors, no careless spacing issues. In order to achieve that, sometimes it’s actually best to not write your own resume. Instead, it could make way more sense if you went with one of the many resume writing services out there that have the potential of doing a far better job. With this being a potential option, here are 5 signs you might want to hire a resume writing service instead of doing it all yourself.

  1. English is not your first language

Even experienced writers make job-costly
mistakes at times when writing their resumes. If English isn’t your native
language, it’s probably a smart thing to consider going with a resume writing

One of the biggest misconceptions that many jobseekers make is thinking it’s okay to have a poorly written resume due to the fact that English isn’t their first language. While this may be true, recruiters don’t accept this as an excuse. If your writing isn’t up to par with their standards, they will end up deducting points from your application no matter what the reason may be.

2. Writing isn’t your cup of tea.

Part of success in life is about being able to identify your strengths and weaknesses. If writing isn’t your cup of tea, then don’t drink it by writing your resume yourself. If you find that you’ve always done poorly in English class or that your writing skills just isn’t on the level it should be, then writing a resume that will determine your chances of a job could be a huge mistake.

3. There isn’t enough time

Writing a quality resume can take weeks if
you aren’t exactly sure what you’re doing. With how many other things you have
to worry when it comes to your job search or just plain day-to-day life, it
might not be worth it research a quality resume
writing service
instead of writing one.

Do a cost-benefit analysis of your situation and ask yourself. Is it worth spending a certain number of hours or days working on your resume or should I spend a couple hundred dollars in order to save some time? Depending on your answer, using a resume writing service may or may not be right for you given your particular situation.

4. Your situation is complicated

Sometimes, things can get a bit complicated with your career. You might be switching industries or have major issues that need addressing such as work gaps or job-hopping. In cases like these, you might not be sure how exactly what the best solution is to these types of glaring issues that will certainly raise the eyebrows of recruiters. If that is the case, many certified resume writers are trained to handle these types of situations and will likely know how to remedy this type of scenario.

5. You’re having no luck

Not getting any job offers? Well often
times it’s not that you aren’t qualified or a poor fit for the job. It could
just be that your resume or cover letter isn’t up to par with the rest of the
competition. If you feel like you just aren’t getting as many interviews as you
should be, it would be unwise to continue applying to more jobs until you’ve
taken a deeper look at what the underlying issue may be. In some cases, you’ll
find that it’s your resume at fault.

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Top 3 Best Beef-Producing Cattle Breeds from Around the World

In recent years, beef consumption has grown considerably, mainly because
cattle are part of the small group of domesticated animals that are naturally
fed. And the feeding process of cattle has a major impact on the quality of the
meat we all end up eating.

Large businesses or small farms in rural areas
raise cattle for sale, knowing that these animals are especially
appreciated and bought for beef. There are some popular beef-producing breeds
that are raised in great numbers, breeds that are so well-known that you have
most certainly heard about them before, even without having a special interest
in cow’s meat. But these aren’t the only ones worth talking about. Out of all
the 1000 existing cattle breeds in the world, there are some that are
absolutely excellent for beef, while remaining relatively low-key. As such,
bear in mind that the most promoted breeds aren’t always the best-tasting ones,
since there is a strong marketing strategy in place for promoting certain

One question that might come up is: does the breed make any difference
when it comes to meat quality or taste? The simplified answer is yes. So, let’s
take a look at some of the cattle breeds raised for their excellent meat.

Top 3 best beef-producing
cattle breeds in the world

Although cattle livestock are raised for both milk and meat, there are some larger breeds that are prevalently beef-producing when compared to others.

1. Angus

Their ability to gain healthy body weight through the grazing process,
along with the non-problematic process of giving birth, makes the Angus breed a
real “money-maker” for farmers.

Originally from Scotland’s Highlands, the Aberdeen Angus (known
internationally as Black Angus) is a solid, healthy and sinewy breed that
provides outstanding quality beef.

The easiest way to recognise Angus cattle is the complete absence of horns. Although they are considered small to medium size cows (the female’s height ranges between 1.10 and 1.25 meters, while male’s height reaches up to 1.35 meters), they compensate through highly developed muscles, visible on both chest and limbs. Otherwise, their weight ranges between 550 kilos for females and 850 kilog for males.

2. Simmental

The Simmental cattle are known as a cross-breed between a large German
cattle breed and a smaller sized cattle breed, indigenous to Switzerland. The name of the breed comes
from the Simme Valley in Switzerland, the area where these cattle were raised
for the first time.

The Simmental, recognised by its red colour and its heavy dewlap, is considered as the best breed in the world. Why is that so? Because from all of the cattle livestock around the world, this one is the easiest to handle (due to its calm and gentle temper). Plus, it has a heavy body mass, despite the medium size body while also being a rather prolific breed of cows. One of the main economic assets of this breed is the fact that these cows can become pregnant at the age of 2, giving birth to up to 13 calves throughout their life. And when it comes to weight, they also provide a good weight to meat ratio, making them ideal for farmers all around the world.

3. Blue Belgium

Originally from Belgium, the
Belgium Blue breed is an extremely developed breed, with a very solid
construction. The cow colour may vary from white, black or blue or a
combination of these.

Being such a large animal with
prominent muscles, there’s no wonder that it can provide a large quantity of
great quality meat. The parts of the body that are heavily muscled are the
shoulder, the back, the loin and the rump, with their appearance being known as

Because of this particular
characteristic, the cattle have an extraordinary ability to convert their
feeding material into lean muscle, which leads to a low-fat meat. No wonder
that in this case, the beef prices are slightly higher.

Each of these breeds has its own specificities which, in the end, make a
difference in terms of meat taste. Of course that marketing will always play a
role in promoting some breeds to the detriment of others, but that’s why it is
so important to pay close attention to the provenance of the meat we consume.

Seradria – the largest livestock exporting company in Romania

With more than 23 years of experience in this field, Seradria is best
known in Romania as the largest business who fattens and exports livestock –
sheep and cattle, throughout the world.

With a great number of amazing breeds throughout its 10 ha farm, Seradria
maintains a good exporting relation to EU countries, but also with countries in
the Middle East, having included Iran among its main meat importing countries
in the area in 2019.

The company is authorized by the National
Sanitary Veterinary Authority for Food Safety and for each export is
accompanied by all the required documents.

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How to Increase Your Instagram Engagement & Get Real Instagram Followers

When you are posting on Instagram with the aim to grow your account, then it is essential to increase your post engagement first. It is the ultimate goal of a lot of marketers and Instagrammers. However, Instagram’s algorithm has changed and it is harder to get more views and increase your post reach.

But, there are some tricks that you can use to boost your post engagement. More than that, it also helps to improve your post reach, and you can buy Instagram followers from instaboostgarm and build up a community really fast. Here are some tips to boost your Instagram engagement ratio…

with similar accounts in your niche

Before sharing your next post, we would recommend that you consider engaging with similar accounts in your niche. Take some time to do this each and you will notice that engagement nourishes engagement.

When you interact with other people on Instagram, more people will in turn view your profile. The more you interact with others, the more chances of your account being seen. This leads to more post engagement from new visitors on your account.

But, it is important to keep in mind to focus on quality Instagram engagement, because when you invest time with the best accounts to engage with, you will get desired results.

Engage with content directly before and after you post

It is crucial to get engagement within the first hour of posting, because the Instagram algorithm will recognize that your post is worthy and your post will then appear at the top of the search results. When a post gets more engagement, it means people are taking a keen interest in it.

long-tail hashtags

Focus on creating long-tail hashtags, because if you use popular and short-tail hashtags, your post will be buried in the sea of millions of post with similar hashtags. Long-tail hashtags that are detailed and perfectly reflect the context of your photo and brand will be more likely to succeed.

For example, if you are a fashion brand and you want to post photos of winter casual outfits, you could use the hashtags #winteroutfits, or you could use #wintercasualoutfits. The later is a long-tail hashtag which has less associated posts, which means your post will be more likely to get more views, comments, and likes.

good and compelling captions

Post captions play an important role when it comes to engaging more people and keeping them coming back for more. Captions encourage people to spend time on your post, which in turn gives you more likes and new followers.

A simple yet compelling caption will give your image a context, deeper meaning and engage your followers. Captions can either be short or long. You can also write quotes to improve personalization.

You can make it humorous, thought provoking or light-hearted to engage more people. Don’t forget to include call to actions at the end of your captions. Also, add emojis effectively in your post captions to keep the caption light and fun.

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Best Platforms For Parasite SEO In 2019

Parasite SEO is a
great way for beginners as well as pro-marketers to drive the profitable search
engine traffic. You create some content and post it on an authoritative
website, then build a lot of links and share the content across various social
media platforms. If done properly, you can easily rank on the top in Google.

It is called Parasite
SEO because you’re piggybacking on authority sites to get your page rank on top
of the search results. The strategy requires time and efforts.

If you’re a beginner
with a small budget, you can open the gates for parasite SEO. It is awesome
because you don’t have to wait for your site to gain authority. Luckily, there
are a lot of high authority sites that allow you to post user-generated

If you want your web
page rank on top of the search results, you’re so in luck. In this post, we
will discuss the best platforms for Parasite SEO.


Mamby is powered by
an advanced artificial intelligence algorithm that shows you stuff you like.
Anyone with an internet connection can post on it. Mamby is
an intelligent and creative community
. Not only does it allow you to post content but
you also get dofollow backlinks.

Because of its high
Page Authority, chances of your content ranking higher in Google are huge. And
since you’re getting a dofollow backlink, you’re also sucking the authority of
the host domain.

You can also use a
large amount of LSI keywords on Mamby which could have resulted in a Google
penalty with a regular site. Moreover, you also get paid for posting your
content on Mamby. It is by far the best platform for Parasite SEO.  


Medium is another
great platform for parasite SEO. With a high page authority, the likelihood of
your content posted on medium.com is very high. You can build as many backlinks
as you want without worrying about Google penalties because it is a trusted
site. Besides, it is not your site.

Since this is a
highly trusted site, your post might rank even without the backlinks.
Therefore, you can get a lot of visitors. It is a great choice if an instant
conversion is not the goal.

You will continue to
benefit because the website will keep driving traffic to your post for a long
time. Also, the brand equity of medium can result in higher CTR.


The domain authority
of 90 makes Reddit a great choice for parasite SEO. It can help you generate a
lot of leads as well. The content posted on Reddit often ranks on top even for
the highly competitive keywords.

But keep in mind that
Reddit is strict about self-promotion. They may remove your content in case
they notice that the links are pointing to your pages. Since Reddit is highly
regulated, you have to be smart about posting your content on this platform.
You will get results if you do it properly on Reddit.


Quora is a question
and answer based website managed by its community of users. You can also create
your own blog on Quora. By posting content on this platform, you can rest
assured that it will rank nicely in Google.

After building a
couple of backlinks, you can expect your content to climb on the top. If there’s
a question on Quora which is already ranking on Google, you can write a
detailed answer with attractive images and your answer will appear on top. It
is indeed a great platform for parasite SEO.

By leveraging the
power of these sites, you can easily rank higher in Google. Be smart about the
platform you choose. Some will rank better than the other for particular
niches. You have to do some research and hopefully, you will be able to get the
desired results.

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Save Money on Insurance, Why Work With An Independent Insurance Agent?

Oftentimes consumers seek out more affordable rates for their car insurance, home insurance, life insurance, and more. Here are some common questions, “Where is the best place to find better insurance rates? Should you call a 1-800 number? Should you call a “big box” agency? Or should you call a local independent insurance broker?”

Of course, we recommend call a broker! And the reason is simple: they can quote multiple insurance carriers for you at once. This saves you time and more than likely will save you money.

Think about it. If you want to shop your car insurance in Maryland and call a 1-800 number company they will be able to provide you with one quote from one company. If you were to call an independent insurance broker, they will be able to quote multiple companies that are often top national and regional insurance carriers.

Car insurance has been commoditized in recent times through constant commercials and advertising promoting saving money on the insurance plan. But we propose that saving money on insurance comes second to building an appropriate insurance bundle.

If you get into an insurance claim, you will quickly forget about the $100 you saved by switching to a cheaper policy. Trust me, I’ve been there. What you will be concerned about is if you have appropriate car insurance. In other words, is your coverage going to protect you in the case of a lawsuit. Or is your coverage going to protect your possessions, such as your car, in the case of an accident.

So, we propose that its time to stop commoditizing insurance and become coverage based first and price conscious second.

An insurance broker can help you with car insurance, home insurance, life insurance, and more! And you can build a relationship with them over time while your needs change. As time goes on you may have a greater need for life insurance or may even need an umbrella policy.

Key point: seek appropriate insurance that is affordable.

Jesse Cunningham V is the owner of Mountain View Insurance Solutions which is an independent insurance brokerage located in Bel Air, Maryland. They serve the local Harford and Baltimore County community with insurance solutions such as car insurance, home insurance, life insurance , disability insurance, annuities, Medicare supplements, long term care, and more!

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What are the Benefits of Massage Therapy for Pain Relief?

A therapeutic massage sounds amazing doesn’t it! But, it’s not just used for helping people relax, as many experts believe that it is perfect for pain relief also. A massage for the purpose of pain relief involves the massage therapist using their hands, or elbows, to help solve a back problem, for example. A therapeutic massage is different from a non-therapeutic or relaxation massage, as these massages are a lot more passive and their aim is to promote comfort rather than pain relief.

Therapeutic massage has the ability to treat chronic conditions
such as lower back pain, as well as neck and shoulder pain. Therapeutic massage
can even work with headaches, jaw pain and Temporomandibular Joint Dysfunction

The Benefits…

Therapeutic massage is able to help improve such things as
joint flexibility and relieve lower-back pain, but it is also known to help
with the release of endorphins. Here are some of the conditions that
therapeutic massage is able to help with:

  • Sports injuries, or even work-related injuries
    and RSI. Massage is able to effectively deal with conditions such as carpal
    tunnel and plantar fasciitis, as well as bursitis.
  • Mental health conditions such as depression and
  • Poor posture in the body

Therapeutic massage helps to manipulate the soft tissue within the human body. This promotes the flow of fluid in the lymphatic system. This results in better natural immunity.

It is also commonly used after surgery, such as in legs or
arms to help minimize any swelling. As you can see, there are many benefits of
massage therapy for pain relief.

What Massage is Right For You?

  • Reiki – This type of massage involves light
    touches. Mainly this is used to increase the body’s energy.
  • Craniosacral therapy – Normally, around five
    grams of pressure is applied, and is thought to help with the central nervous
  • Deep tissue massage – One of the more common types
    of massage. Here, the massage therapist uses a great deal of pressure to help target
    the deepest layers of muscle tissue in a person’s body to help relieve pain.
  • Rolfing and myofascial release – Sometimes used for
    helping to manipulate soft tissues, and is more aggressive than a deep tissue

How often should you visit a massage therapist?

For individuals with chronic pain, it is recommended that
you have a massage at least once every 4 weeks, but this really depends on the
person. For example, if you suffer from particularly bad back pain, you may
wish to visit a massage therapist maybe three or four times within a few weeks
to really maximize the benefit of the massages on your day to day life.

Thanks to Release
Muscle Therapy
, who offer massage
in Santa Monica
, for their contribution to this article.

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Best Way To Visit Egypt

It’s really amazing to make traveling and locomotion the quickest way to your own opulence and Felicity. Nevertheless, when the matter is related to traveling to Egypt, your timeless delight will reach its maximum not only for its wealthy history but also for its unique nature. Egypt offers you the chance to experience all you wish: step back in time by touring the houses of the Pharaohs, relax over the marvelous sandy beaches, enjoy the fantastic moderate weather, immerse beneath the Red sea waters, gain the culture that illuminated the world, do shopping tours, and many more activities you can do in the land of Pharaohs. So Egypt Tours Portal is your gateway to experience what Egypt has to offer to be greatly inclusive and always memorable.

Wealthy Historical Background

Indeed, Egypt Pharaonic history is the most well-known features about Egypt throughout the years. Thousands of years ago, the Egyptian ancestors commenced to follow the first steps on the way to opulent glory that would last for too long and never be erased. The primitive Egyptians led a hard life, they had accommodated in tents and caves and fed on the tree leaves till they settled down over the banks of the Nile which assisted them to cultivate the neighbouring lands and breed the livestock and it was the starting point to glorious life-time civilization. They constructed three fascinating pyramids and the great limestone statue of Sphinx in Memphis city, the ancient capital of Egypt. The great Pyramid of King Khufu which is regarded as the one of the seven world wonders, became the most popualr of Egypt attractions due to its extraordinary size. In Upper Egypt – particularly in Luxor and Aswan -, the ancient kings and queens competed to erect the fabulous historical temples for worship and religious rites. These temples weren’t only houses of worship but they also included carvings, and many timeless drawings on their walls. These drawings tell a lot about the achievements of the pharaohs and their battles against their enemies. Egypt also gained a precious heritage in the modern history: the Ayyubid ruler Salah El Din constructed Cairo Citadel – the reinforced fortress that protected Cairo from the Crusaders’ attacks – and the Egyptian Museum which included more than 120000 monumental arifacts.

Wonderful Beaches & Resorts

Egypt geographic location is unique as it overlooks two major seas: the Mediterranean Sea from the north and the Red Sea from the east. This advantage provides an additional option for Egypt visitors, specially for those who are fund of seas and beaches holidays. Alexandria, for example, is a preferable destination as it combines between the ancient monuments of the Romans and the Greeks, and the blissful sandy beaches of the Mediterranean Sea. Not only Alexandria but also Hurghada and Sharm El Sheikh on the Red Sea shore are also vital destinations for many travelers. Resorts in Hurghada and Sharm El Sheikh provide all means of entertainment and recreation: luxurious hotels, charming pools, fresh food and soft drinks, many adventurous water activities such as scuba diving, snorkeling, and windsurfing and many more over the coasts of the Red Sea.

How to Book a Trip to Egypt

Once a traveler takes a decision to spend a vacation in Egypt, it’s necessary to follow some steps in order to have a marvelous trip. First a traveler doesn’t have to confirm his tour with a big famed travel agency, it’s more important to deal with an agency of a good reputation and a highly qualified staff. Then you have to customize the tour and the itinerary which is suitable for your needs, and budget. If it’s a family trip, you can share the choice with your family members. It’s completely requisite to choose the itinerary that cover most of Egypt sightseeing during your stay in Egypt but your budget for your tour should always be taken into consideration. Order in booking your trip in Egypt is really essential as booking your international flights at first is a must then book your domestic trip to match your arrival and departure flights with your tour itinerary. This step makes you avoid many troubles such as missing one of your international flights, domestic flights or any points of visits. In this case, you will not completely enjoy your tour as you will be confused all over the trip. Another point is to discover Egypt online very well before arrival so as to be able to determine which attractions will satisfy your wishes and which transportation you would like to use to move among the various historical sights.
Before you confirm your trip with a travel agency, you will need to recognize some points:

  • The tour guides that will escort you during the trip and should require a guide who speaks your mother tongue fluently to be able to interact with him.
  • The hotels that you will be accommodated in and their service levels. You can also check them online before arrival to make sure that your accommodation will be luxurious and comfortable and if you prefer particular hotels, you should recommend them.
  • The transportations that you will use to move among the historical attractions and assure that they are modern and comfortable.
  • Your pick up time from the airport and from the hotel to the attractions and your drop off time.
  • Entry Visa to Egypt: whether you should apply for it before arrival or you will get it in Egypt at the airport.
  • If your tour includes a Nile cruise, you need to check that it’s a 5* deluxe Nile cruise and ask about the services will be offered on board.
  • The types of the food that will be served and if you prefer a particular type of food { for example: Vegetarian Food }, you can advise it.
  • Another remarkable consideration is to inquire about the inclusions and exclusions { what’s included in the tour price and what’s not included }
  • Another point concerning the total cost of your tour and to what extent it suits your budget.
  • Another question you should know its answer before booking the trip is whether your tour is private or sharing with other tourists.
  • The method of payment: you need to require about the way you will pay for the tour, whether you should send a part of the price as a deposit and the remaining amount to be paid upon arrival or you will pay the total cost in Egypt to your tour guide.

Best Tour to Discover Egypt

After you book your holiday in Egypt and match your itinerary to your international flights, have a look to your tour in Egypt in details: For Example { 11 Days Cairo, Alexandria, Hurghada & Nile Cruise }. On Day 1, upon arrival to the airport, the representative will be waiting for you to assist you in passport and luggage formalities and getting the Visa then you will be transferred to check in 5* hotel in Cairo. On Day 2, have you breakfast at the hotel then you will be accompanied by your tour guide in air conditioned car to visit Giza Pyramids Complex { Giza Pyramids – the Great Sphinx – the Valley Temple } then you will have lunch at a local restaurant in Cairo then move to visit Saqqara Step Pyramid. End your first day tour and return to your hotel for overnight stay. Early morning on Day 3, breakfast at the hotel then you will be picked up from the hotel to Cairo Airport to fly to Aswan. Upon arrival, join your tour guide to visit the High Dam, and Philae Temple then check in your 5* Nile cruise where you will have your lunch and overnight on board. On Day 4, sail to Kom Ombo to visit Kom Ombo Temple with your tour guide. Back to the cruise and overnight on board. On Day 5, continue sailing to Edfu and visit Edfu Temple with your tour guide then return to the cruise to sail to Luxor overnight on board. Note that you will have your meals { brakfast – lunch – Dinner on board the cruise }. Morning time on Day 6, check out the cruise then visit Luxor attractions: Valley of the Kings, Queen Hatshepsut Temple, Colossi of Memnon then have lunch at an oriental food restaurant on the Nile then visit Karnak temple. Move to check in 5* hotel in Luxor for overnight stay. On Day 7, you will be transferred to Hurghada by a private air conditioned car. In Hurghada, you will be taken to 5* hotel to check in. On Day , have a free day to explore Hurghada city on your own. Note that { Breakfast – Lunch – Dinner – Soft Drinks are offered in Hurghada }. Early morning on Day 9, Breakfast at the hotel then you will be picked up to the airport to fly to Cairo. Upon arrival, meet your tour guide to visit the Egyptian Museum, the Hanging Church, and Khan El Khalili Bazaar then you will be taken to check in 5* hotel to check in and overnight. On Day 10, join your tour guide to visit Alexandria sights: Catacombs, Qaitbay Citadel, the Pompy’s Billar, and Alexandria Library. Back to your hotel in Cairo for overnight. On day 11 , Check out after breakfast at the hotel then you will be dropped off at the airport and the representative will aid you in departure procedure.

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6 Steps to Follow When Doing Financial Planning

You have probably wondered what financial planning procedure professional’s use for their clients. But what you do not know is that you can do most of what these pros do while at home. Here are the six steps for financial planning that you can follow to achieve financial success.

1. Define the Relationship 

If you are making the financial plan for yourself, you will be both the planner and the client. However, it is still important to identify and define the relationship that exists between the client and the planner. This is especially true if your partner is involved in the financial plan and they will have responsibilities in the implementation and monitoring of decisions.

2. Collect Data, Prioritize Goals and Determine Expectations 

There are many tools that you can use to start collecting your financial data. One such tool is Mint. It is straightforward to use, and it will make your data search process less hectic.
After you have your data, the next step you should take is to set expectations. During this step look at the goals, both financial and non-financial, that you have for your finances. Also, consider the number of times that you want to check out your finances. 
It is equally essential for you to consider personal life goals such as your retirement age, your healthcare needs, and your life expectancy. Regardless, prioritizing your goals is the most significant part of establishing your expectations. The rank that you create will be used throughout the planning process to govern how you will allocate funds.

3. Evaluate and Analyze Financial Status

If you are not a professional, you can start with the basics that will help you make progress on this stage. To find out where you stand financially, you can answer all or some of the following questions:
• Is your cash flow positive? 
• Do your cash flows have any obvious outliers? 
• What net worth do you have? 
• If you had any net worth or cash flow expectations, did they become a reality? 
• Are some of your goals within reach and others out of reach but having no implementation process? 
• Have you made a plan that can help you save to achieve your goals?

4. Develop the Recommendations for the Plan

You now have your ranked list of goals, and you have analyzed your current financial status. You are now ready to make a plan for your financial future. Your flow of cash can be mapped into four parts:
• Part One 
The first thing that you should do is figure out how you will spend the money that you have currently. You can do this by illustrating and organizing automatic transfers to the different savings vehicles of your choice. The trick is to take advantage of automation. 
Automation makes it easy because not seeing money coming into your spending account will not notify you that it is missing. Also, you can use services that will give you the chance to track all the investment money that you have in one location. These services will also take charge of depositing your savings automatically. 
• Part Two 
The second step of making your plan is creating a map with details of what you will do with your future money increases. Consider whether all your increased money will go to one savings goal or if it will be divided evenly between all the goals you have created. Also, ensure that you generate a plan in case you experience payment decreases. 
Moreover, ensure that you consider the possibility of reducing the potential to encounter a downside. You can find methods to avoid risks, or you can insure yourself. The advantage of buying insurance is that you pass on any risk to someone else. 
• Part Three 
Consider estate planning as your third step. Your estate comprises of everything that you control or that is in your name in a manner that adds you benefit. This is inclusive of material possessions such as cars, houses, and retirement accounts. 
Additionally, your estate includes your other unexpected possessions such as your pets. You can think about consulting with an estate attorney especially if you have a very complicated situation. This step is very crucial because you should ensure that you have an outlined plan in case of death or incapacitation. 
• Part Four 
The final step of the plan is considering the investments that you have. If you do not have any current investment, make sure that you make a plan that includes your future investment plans. There are two rules of thumb that you can use when investing: 
• If you want to choose between two similar investments, select the one that has lower fees. 
• Ensure that your investment is diversified. For instance, investing only in stocks is not diversified. Instead, invest in commodities, real estate, and bonds as well. 
Then, consider your risk tolerance, goals, and timelines. If you are already set financially, focus more on mitigating risks than creating wealth. If you are starting, then taking risks and making more investments will make sense. If you are close to retiring, select an investment that is perfect for you without being heavily leveraged.

5. Plan Implementation

To implement effectively, ensure that you do not lose momentum. At this stage, you can consider outside help from an estate attorney who can answer your questions. Make a weekly schedule to complete the small things and do it in a way that works for you.
Also, ensure that you are taking advantage of your employee benefits and anything else that is available to you. Remember to check your tax implications every time you make a decision and find ways to reduce taxes legally.

6. Process Monitoring

It is common to find areas in your plan that were incomplete, incorrect or areas that have changed due to uncontrollable outside forces. With every change, take the new information and use it to improve your initial plan appropriately. Have a reasonable review process and be vigilant in monitoring the process and everything will work out correctly.


The six steps are not easy, but they are achievable if you are willing to invest your time in creating your financial plan. However, always remember that it is more about your goals than it is about the process itself.

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When to Get VAT Registered After a New Company is Formed

VAT registration is necessary for many businesses in the UAE. All businesses who cross a certain threshold have to get registered for VAT. If they do not do so, they might get penalized.

Value Added
Tax (VAT)

Value Added Tax or VAT is the tax issued on goods and services. It was introduced in UAE on 1 January 2018. VAT rate in UAE is 5 per cent and it helps the government in providing welfare to the UAE residents. One of the main purposes behind the implementation of VAT is that it reduces the UAE’s government dependence upon oil and other hydrocarbons. People who know the importance of the well-being of the country would really appreciate the implication of VAT in UAE.

When companies or businesses file for VAT registration in UAE, they do not get registered right away. They have to wait for at least a month before their application gets processed. The application processing takes time. So, before you get registered for VAT, you will be issued a VAT registration number.

What is a
VAT registration certificate?

A business can get registered for VAT by filing in an application. The application can be filed either by using online means or by using the paper form. After filing the application, the applicant will receive a VAT registration certificate. The certificate contains the VAT number of the applicant.

Sometimes due to uncertainties, there may be some delay in issuing the certificate, but in most cases, the system runs smoothly and the certificates are able to be issued quickly.

What if
your VAT registration number isn’t issued?

If your turnover exceeds AED 375,000 per
annum, you will be obliged to register for VAT.
VAT accounting must be started right from when the business decides to register
voluntarily for VAT.

After getting registered for VAT, the
business must keep all the records of invoices. It is important to keep all the
details for reclaiming the VAT and making sure that you are paying the VAT to
the suppliers.

If you have registered for VAT and you VAT registration certificate hasn’t been issued yet, you should not charge VAT on any of your invoices. You should instead charge VAT to the clients and explain to them about the re-issuance of the invoices with the VATable amount after receiving the VAT number.

If you are not issued with your VAT number, we would recommend that you wait for a while before issuing invoices.

When to get
VAT registered?

VAT registration is not just important but also mandatory for businesses who cross the threshold of AED 375000. All businesses who come under this category are obliged for VAT registration in UAE. If any business wants to get registered for vat voluntarily, it can do that also.

VAT Consultancy Services in UAE

Professional VAT consultants in UAE know the true importance of VAT. They know the registration processes thoroughly. Businesses who want to get registered for VAT can seek their advice. This will make things easier for a lot of companies.

You can either contact them by calling them or visiting their website. They will provide guidance about how to file the VAT application and how to implement VAT moving forward.

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