Dying without leaving a will is a bad idea.

If you haven’t made a will, then you have made a mistake, everything you own will be shared out according to the law instead of in accordance with your wishes. This could mean your estate passes to someone you hadn’t intended – or that someone you want to pass things on to ends up with nothing. For example, if you’re not married and not in a civil partnership, your partner is not legally entitled to anything when you die. If you’re married, your husband or wife might inherit most or all of your estate and your children might not get anything.  All of this can be avoided if you make a will, setting out your wishes.

Oh, and if you needed any more persuading, if you do die without having left a will, all your assets are likely to be frozen until the estate is sorted out, which can mean hardship for your loved ones in the meantime. And it’s much more expensive to use the courts to reconcile an estate, so there’ll be less left over for your family too. It really is a ‘no brainer.’


Businesses possess their own unique alchemy that results in a plethora of phenomena for researchers to explore. The employees and employers with whom they work also greatly benefit from the discoveries, as an enhanced understanding of the environment means an enhanced understanding of what needs to be done to smooth out any common issues. As one can probably assume, far, far more than 15 helpful studies exist shedding light on strategies both helping and hindering the health, safety, and efficiency of the office. But the following sure do make for an interesting, insightful start.

1. Forty percent of workers find their jobs “very or extremely stressful”:

A 1992 Northwestern National Life Insurance study still garnering attention today noted that 40% of American employees labeled their positions “very or extremely stressful.” It also revealed that one out of every four of these workers considered their careers the No. 1 source of stress in their lives. Suffice it to say, this makes job-related anxiety something of a public health issue.

2.Even nutritious diets can’t offset sedentary office lifestyles:

Meanwhile, back in the dark ages of 2010, a University of Rochester publication discovered that the ravages of workplace stress won’t dissipate in spite of a healthy diet. Of the 2,782 employees surveyed, between 72% and 75% qualified as overweight or obese regardless of whether or not they practiced proper nutrition. Researchers blame the largely sedentary lifestyle of the modern office drone, meaning exercise stands as pretty much the only viable solution to combating this less-than-healthy corporate lifestyle.

3. Sexual harassment hinders job performance:

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In today’s marketplace, having a college degree can make one more competitive for jobs and serve as a key to upward mobility. The value of a college education goes beyond dollars and cents and building competency in a chosen discipline: there is an intrinsic value as well.

Perhaps this partially explains why millions of Americans forego common sense when picking college.

New Study Says Cost of College Is Not a Factor

According to a recent study by Sallie Mae, the country’s leading education lender, cost is often not a factor when picking college. “40 percent of families do not limit their search based on total expense.” Now, this would be fine if 40% of families were financially solvent enough to truly bear the costs of any school their students chose. However, students are increasingly being burdened with record levels of debts.

In fact, two-thirds of students graduate with some debt, with the average debt being $19,237. One-fourth of students will graduate with nearly $25,000, and 10% will graduate with greater than 35,000.

The primary reason attending school has become so much more expensive over the last decade is that school-related expenses (including tuition and fees) rise at rates that far outpace inflation.

According to the College Board, tuition and fees have risen in 2007 at more than double the rate of inflation for both public and private schools. Notwithstanding the fact that the inflation estimate is based on the consumer price index, which historically underestimates inflation by excluding gas and energy (too volatile), the cost of going to school can still be staggering.

While the annual costs for a public school (including tuition, room, and board) averages $13,589, the costs for a private school averages $32,307.
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tuition.gifCollege costs increase at about twice the inflation rate. Current increases have averaged 5% to 8%.

It is no secret that college tuition and expenses have been on a steady rise for many years. This has many families worried that they will not be able to afford to send their kids to college. Many even shy away from encouraging their children to dream of a college education. Trade skills are almost being forced on the younger generation. The daunting and staggering college costs are changing the way that we raise our kids.

Imagine if you were told not to dream. What if you told your parents that you wanted to be a doctor and they just had to turn you down? What does this do to the self esteem of a young child? Many families, college educated or not, struggle to keep up with housing costs and the cost of living in general. Saving for college simply is not in the cards for a lot more families than many would like to believe. What does this mean for the future of our country?

We are trending towards generation after generation of minimum wage and poverty level workers. What happens then? They can not afford college for their children and so the cycle continues. If you have been worried about affording college for your children, then there are some things that you should realize.

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For a long time the meaning of giftedness has been restricted to the rigid confines of achievement and accomplishment. Academic toppers are, and should be entitled to their share of glory, but in the process of lauding top scorers and scholarship winners we may be crowding out those who actually have advanced and complex patterns of development but just don’t fit the system’s definition of ‘top students’.

Characteristics of gifted individuals: If 75 per cent of the following 37 characteristics fit you, you are probably a gifted adult.
Are you a good problem solver?
Can you concentrate for long periods of time?
Are you a perfectionist?
Do you persevere with your interests?
Are you an avid reader?
Do you have a vivid imagination?
Do you enjoy doing jigsaw puzzles?
Often connect seemingly unrelated ideas?
Do you enjoy paradoxes?
Do you set high standards for yourself?
Do you have a good long-term memory?
Are you deeply compassionate?
Do you have persistent curiosity?
Do you have a good sense of humor?

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