The West Midlands Later Life Forum (WMLLF) is a collection of people who meet regularly (usually quarterly) to consider, advise on, participate in and generally advance issues revolving around those in or approaching “later life”.  (Although not set in stone as age or birthday anniversary, “later life” may be considered as being pertinent to those who are aged 55 or over.)

Please click on the link above (in purple) for more specific information, or refer to the links within this web-site which outline and summarize the nature of these issues, where the meetings are held, and who may attend at and participate in these meetings.

2010 to 2015 government policy: older people


The good thing about a blog is that you don’t have to be in the same room to ‘join in’ in a conversation (or just to “listen in” on one)!

The Forum Blog, intentionally, is independent of this website.

This is the place to say what you think about anything to do with ‘later life’ and, if you wish, about those who are responsible for making ‘later life’ better or worse, easier or harder, a mile-stone or a mill-stone.  It is here where you can raise, discuss and develop issues between Forum meetings.  It is also, if you feel so inclined, the place to let off steam.  Join in the conversation;  start a conversation;  listen in on a conversation;  agree or disagree.… Read the rest

Real property has historically been an road for significant funding per se and funding possibility for High Net-worth Individuals, Financial establishments in addition to people looking at viable alternatives for investing cash among shares, bullion, property and other avenues.

Money invested in property for its earnings and capital boom gives solid and predictable profits returns, similar to that of bonds supplying each a everyday go back on funding, if assets is rented in addition to possibility of capital appreciation. Like all other funding options, real property funding additionally has sure risks connected to it, which is pretty distinctive from other investments. The to be had funding opportunities can broadly be classified into residential, industrial office space and retail sectors.

Investment scenario in real estate

Any investor earlier than considering actual estate investments have to don’t forget the chance worried in it. This investment alternative demands a excessive access fee, suffers from lack of liquidity and an unsure gestation duration. To being illiquid, one can’t sell some gadgets of his assets (as one ought to have done with the aid of selling a few units of equities, debts or maybe mutual funds) in case of pressing want of budget.

The maturity period of assets funding is unsure. Investor also has to test the clear property title, especially for the investments in India. The industry experts on this regard claim that assets funding ought to be accomplished with the aid of individuals who have deeper pockets and longer-time period view in their investments. From a long-time period financial returns attitude, it is recommended to spend money on higher-grade business houses.

The returns from assets market are corresponding to that of positive equities and index funds in long run. Any investor looking for balancing his portfolio can now examine the real estate area as a cozy way of investment with a certain diploma of volatility and hazard. A right tenant, area, segmental classes of the Indian property marketplace and individual hazard choices will consequently forth show to be key signs in attaining the target yields from investments.

The proposed advent of REMF (Real Estate Mutual Funds) and REIT (Real Estate Investment Trust) will boost those real estate investments from the small buyers’ point of view. This may also permit small investors to go into the real property marketplace with contribution as less as INR 10,000.

There is likewise a demand and want from distinct market players of the belongings section to steadily loosen up certain norms for FDI in this region. These foreign investments might then imply higher requirements of pleasant infrastructure and subsequently might exchange the whole marketplace situation in phrases of competition and professionalism of marketplace gamers.

Overall, real estate is predicted to offer a very good funding alternative to stocks and bonds over the coming years. This splendor of actual estate funding would be further more advantageous as a result of favourable inflation and coffee interest charge regime.

Looking ahead, it’s far feasible that with the progress in the direction of the viable starting up of the actual property mutual finances enterprise and the participation of economic establishments into property investment enterprise, it will pave the manner for extra prepared investment real estate in India, which could be an apt way for investors to get an alternative to spend money on assets portfolios at marginal degree.

Investor’s Profile

The maximum lively investor segments are High Net Worth Individuals (HNIs) and Financial Institutions. While the institutions traditionally … Read the rest

The following article, written in 2000, is set my reports inside the Indian Public Health Service 37 years in the past. Today, in mild of the turmoil and resistance surrounding the authorities’s long late bid to overtake the health care delivery system of the US, this article is well timed even today. Even though there had been some wonderful adjustments in federal and nation funded programs for this and different long-unnoticed populations which have constrained get entry to, I consider that inequality within the shipping of right dental care nevertheless exists.

I even have a confession to make. When I changed into in dental school in the early 1970’s, I had very lofty dreams. The Vietnam War became winding down, and it changed into a time of peace and love and worrying in your fellow man. As a senior, I researched many possibilities that could allow me to earn a living as a dentist even as serving humankind. I felt that I could satisfy those goals via both working in a dental clinic or working a mobile dental van within the low-income internal town or rural regions wherein appropriate dentistry changed into tough to discover. Then I discovered approximately a position that might be the answer to all of my situations.

When I graduated from Georgetown Dental School in 1973, I selected to enter the Indian Public Health Service. I idea that it become an ideal application wherein I ought to similarly my training and begin an entire life of provider to my network. I turned into sent to The Fort Berthhold Indian Reservation five miles from Newtown, North Dakota. My circle of relatives and I were given a 3-bedroom house, which became on a compound with ten different houses and a health facility. One doctor and several different health professionals inclusive of myself, social workers and nurses lived in the different houses. It turned into extraordinary. After all, work become a brief strolling distance, and we had a full view of the Missouri River from our window and wild horses galloping within the fields a few of the lovely Dakota buttes. I was very enthusiastic about living in any such stunning and non secular land with my family and satisfied with the chance of supporting folks who would not otherwise get hold of dental care. More vital changed into the know-how that I did now not should rely on charging prices for my talent or developing a high volume practice so as to survive. It wasn’t lengthy before my bubble burst and the forms and prejudice of the system became apparent.

The fundamentals of dental remedy, consisting of examinations, cleanings, fillings and extractions, had been presented. Other greater high priced offerings which may additionally have been vital to keep tooth together with endodontics (root canal therapy), crown and bridge, partial or complete dentures and periodontal (gum and bone) treatment required pre-approval just like pre-authorizations wanted for insurance organizations. Children have been commonly accredited for the basics, however treatment for adults, especially folks who wished a aggregate of root canal remedy with crown and bridge, were rarely authorized.

Because of the small populace of the reservation (4000) and the confined budget of the program, some physicians and dentists, like myself, were recruited proper out of dental college and were positioned in a very tough state of affairs, whereby they found themselves as the sole carriers in their uniqueness of fitness care within the facility. Inexperienced dentists … Read the rest

Healthy weight reduction calls for area and perseverance. Successful weight loss calls for consistency in carrying out activities with a purpose to make you shed pounds. The pleasant manner to hold song of your weight loss development is by means of keeping a web weight loss magazine. It simply might be the important thing to achieving the wholesome body you have usually desired.

Why go online?

You can create an offline weight loss magazine in case you want. Try a diary, a scrapbook, and even a photograph album if you desire. You could make your weight reduction magazine as innovative and personalised as possible, relying for your alternatives.

However, an online weight loss magazine is more convenient due to the fact all the vital facts are already there. All you need to do is enter your daily weight loss program and interest report and you may mechanically keep song of your progress. Most online journals are very smooth to use so you will definitely not be having trouble coping with your magazine. You can even defend it with a password so that no one ever sees your statistics however you.

What a weight reduction magazine carries

Typically, an internet weight reduction journal incorporates the primary statistics consisting of calorie depend, weight reduction desires, and health practitioner visits. Placing a diet recipe to your journal also can help.

Nowadays, masses of websites are imparting online weight reduction journal debts for free. All you want to do is sign on and the internet site has built-in software that allows for easy inputting of facts for your element. Results might be up very quickly.

O Your current frame weight – this consists of your arm, bust, waist, hip and thigh measurements (ideally measured every weeks)

o Daily calorie counts – those encompass installing the entirety you’ve got eaten for the day. You also can write down all of the negatives which you were questioning for the day and turning those negatives into high quality thoughts.

O Carbs, fat, and protein

o Weight loss and desires – writing down your dreams can virtually make you apprehend those goals more. Then you may create desires and resolutions to help what you’re thinking and writing approximately.

  • Detailed nutrition for 1,000’s of ingredients
  • Long time period weight loss program evaluation
  • Motivational device

Apart from being a tool to music your progress, an online weight reduction magazine additionally serves as a motivational device for you. The procedure of dropping weight can be difficult and generally disheartening. If you come to the point of giving up, examine your weight reduction magazine and spot how lots progress you made. In brief, your online weight reduction journal is proof of all of the hard work you’ve got invested to date. Use and have a look at your achievements when you are down or unmotivated.


Keeping music of your weight reduction progress is also an incredible schooling of subject. It lets in you to paste to a weight loss program and maintain you stimulated, particularly if you see which you are definitely making development and are getting the consequences you need.

Other advantages

Other benefits of retaining an internet weight loss journal encompass:

  • Reducing pressure – writing your mind down allows you specific the entirety you are feeling, whether or not fine or negative, thereby freeing a first rate amount of strain.
  • Helping you attention – a magazine allows create more non-public awareness, and therefore greater focus
Read the rest

Have you ever noticed noad varianceTV advertisements running on the browser that you regularly use? Perhaps you have heard of this term Adware? Adware is like ransomware and spyware. This adware comes through infected sites such as pornography sites, torrent, social media, etc. the purpose is to create numerous advertisements to create online profit. Once it is inserted into the computer, it begins displaying noad varianceTV ads. It then starts gathering different information such as your surfing actions and habits. It keeps a track of what search questions you’re putting in the browser along with other personal info.

Now a question arises here. What profit these spyware manufacturers make? There are a variety of reasons why this adware is generated. 1 reason is stated above i.e. to accumulate your surfing data. What happens when your browsing data is traced. This adware keeps track of websites that you surf and then displays ads. It might also fetch some really important data related to your fiscal activities and some vital credentials. Many times this data is offered to firms and sales groups. Additionally, these programs are designed to create earnings from pay per clicks. Every time consumer clicks on the ad, revenue is generated through these programs. When the user clicks on those ads, he or she is redirected towards infected sites like porn sites and other malicious sites which permit the virus to add in your own system. It may also change the default browser settings without your consent.

There are numerous ways noad varianceTV adware may enter into your system. The best part is that you can quickly get alert to the fact your system is infected with noad VarianceTV anti virus.

You will begin seeing advertisements with these kinds of texts on it: Advertising powered by or Brought to you by Noad Steep TV.
Should you pay a visit to an unsafe site, there could be concealed threats that will insert spyware and virus on your system. It is not always the case but sometimes unknowingly user visits an unsafe site. Perhaps you have experienced a spam mail from the inbox? This spyware might input in the machine via attachments in the spam mails.

It may occur when you download the free software. These free software generally contains malicious code and apps.
1 The major concern that disturbs users is that how to stop and remove noad varianceTV adware.
1.1 If you have installed an dangerous program or free software, then follow these steps:
1.2 Another method of clearing the adware is given below only in case of Windows 8 or Windows 8.1:
1.3 The way to eliminate Noad varianceTV out of Internet Explorer?
1.4 How to eliminate Noad varianceTV from Google Chrome?
1.5 The way to eliminate Noad varianceTV adware using a tool such as AdwCleaner?
The major concern that bothers users is that the way to prevent and remove noad varianceTV anti virus.
One can manually get rid of the adware. However, the problem does not end here. The noad varianceTV adware has some highly destructive properties which enable the adware spread in another folders of this system. It develops an extra toolbar that also shows advertisements. So removing the adware by simply uninstalling it doesn’t make sense because the adware effect does not stop here.
If you’ve installed an unsafe software or a free software, then follow these steps:
Step 1- Go to control panel by clicking on the Start button.
Go … Read the rest