A True Story Reveals Legal Assistance against Hip Injury from Can-can Dance

In a recent interview, Strictly Star Craig Revel Horwood has blamed “all those years of can-cans and dropping in the splits” for his recent need for a hip replacement. He explained further that just like any sports injury, the rigors of ballet training can be very detrimental to the body.

We Aren’t All Dancers

It’s not just dancers and sportsmen that suffer with their joints. There are many physically demanding jobs that take their toll on our bodies. Any job that puts repetitive strain on your joints will inevitably cause problems at some point in your life. Ironically, those that care for us, the nurses and carers, often have problems with their backs or joints from the years of bending and lifting connected with their job. 

Thankfully, most employers put in place codes of practice to make sure that their workforce remains healthy. Even with the most robust precautions it is inevitable that some jobs will cause wear and tear on your body.

Hip Replacement – a New Lease of Life

Those of us that use the NHS usually have to wait to have a hip replacement operation. The government states that no one should wait more than six months. In fact, the vast majority of hip replacements are performed in less than five months. In the time up to the operation you will experience quite some discomfort. You may well favor your other leg to avoid the pain. 

This can lead to other aches and pains as your body is not moving properly. Sometimes the muscles in your ‘bad’ leg will start to diminish and this will require further physiotherapy after your operation. However, for all the problems before your operation, you will soon be up and about with your new hip. 

All you ‘Strictly’ fans will have seen Craig Revel Horwood back on the show within a couple of days of the operation, albeit with a spangled crutch and adapted sparkly chair and cushion.

What if it Goes Wrong?

The National Institute for Health and Care Excellence (Nice) has already suggested that the NHS should not use any hip implants with a failure rate higher than 5% within five years. This includes most types of metal-on-metal implants which have raised fears that they can leak toxic metal. One device, the DePuy ASR, has drawn the most publicity. 

The manufacturers have withdrawn the device but only after failure rates of 13% within five years had been reported. Almost a quarter of cases within that period had to have corrective surgery.

How Will I Know?

Firstly, if you have a metal-on-metal implant, you should attend regular check-ups. Should you have any changes in your general well-being you should see your doctor.

Some of the symptoms are quite obvious:

• Problems walking or a limp
• Pain in the hip, leg or groin
• Swelling around the hip joint

Other symptoms that may be because your device is failing are:

• Fatigue
• Chest pain
• Shortness of breath
• Weakness or numbness
• Changes in vision or hearing
• Weight gain
• Feeling cold

If you experience any of these symptoms you should see your doctor.

What Else Can I Do?

If there is a problem with your hip replacement your doctor will be able to tell you what treatment is required. In most cases it would be corrective surgery. Even if you have no symptoms but your doctor has contacted you about possible problems with your metal-on-metal implant you should still seek legal advice. Compensation is available for those people who are suffering unnecessarily due to defective hip replacements. Contact Thompsons expert solicitors for advice on a no-win, no-fee claim.

20 Year Mortgage? 5 Benefits to Paying Yours Off In Less Time

Most mortgage terms are for thirty years. That is the traditional length of time most lenders arrange for homeowners to pay off their home loans. Nowadays people are opting for shorter loan terms including 20 year and 15 year mortgages. There are several advantages to having a shorter term loan repayment plan. Below are five benefits.

Pay less interest

Spending one dollar more than you have to spend is a waste of money. Paying interest is the cost you pay for borrowing money for your home. Deciding to pay off your home sooner will save you thousands of dollars in interest payments. This frees up money for you to invest back into your home or other into other income generating investments.

Asset to Pass Down

Having an asset that you can pass down to loved ones can make all the years of hard work worth the time. Instead of leaving your beneficiaries with debt, having your home paid off earlier gives you time to enjoy your property and pass that value on to your family.

Recoup your money

If you decide to look into new homes in Colorado you may choose to sell your home. Selling your home can help you recoup all of the money you paid into it, in addition to profits from home value increases in your area. You may even choose to rent your home and generate consistent monthly income.

Security in retirement

One of the main concerns when people make preparations for retirement is the limited amount of income they receive on a monthly basis. As a result, people look to either downsize or completely rearrange their lives to accommodate their new income reality. Having your mortgage paid off gives you security. Having a home to live in is one of the most basic needs that no longer has to be factored into your retirement plans.

Debt free

Mortgages are typically the largest debt people owe. Paying off your mortgage sooner rather than later can get you on the path to becoming debt free. All of your income can be used for investments instead of paying down debt. This can ultimately lead you to free up more of your income for other investments or better family vacations.

Living a more frugal and modest life in your earlier years can really go a long way to get you out of debt quicker. It is as always a personal decision and you must access what is right for you and your family. But there are many benefits to living a debt free life and not paying more then necessary in interest.

If you are looking to purchase a home in the near future, obtaining a shorter term mortgage is a great option. That choice will have you fully owning your home and becoming debt free sooner than ever before.

Brionna Kennedy is native to the Pacific Northwest, growing up in Washington, then moving down to Oregon for college. She enjoys writing on fashion and business, but any subject will do, she loves to learn about new topics. When she isn't writing, she lives for the outdoors. Oregon has been the perfect setting to indulge her love of kayaking, rock climbing, and hiking.

4 Poor Life Decisions That May Still Be Costing You Money

You make decisions every day that will impact your future. It is not always something you realize in the moment. However those choices that may have seemed unimportant at the time may still be having an effect on you today. Below are four poor financial decisions that are likely still costing you money.

1. Defaulting on a Car Loan

Whether it is a few missed payments or a full out repossession, car payments will affect your financial resume. Delinquent payments are reported to credit bureaus. A repossession can put you in a position whereby you may have difficulty purchasing another car with a loan. Additionally, if you do obtain another car loan, you will most likely pay steep rates because of your previous payment history. This continues to affect the amount of money you will pay out on a monthly basis.

2. Defaulting on a Lease

Breaking a lease early without meeting your financial obligations to a rental home or apartment will certainly impact you on your next move. Your future landlord may require you to pay a higher deposit because of your previous default. As well it is negatively reporting on your credit which affects your rate if you choose to purchase a home. This as well will cause higher monthly payments. In more extreme cases the poor credit reporting could cause you not to be approved for the home loan.

3. Maxed Out Credit Cards

Credit cards can be a great resource. However, using your credit card past the allotted amount can cost you dearly. The rate for paying late on a credit card according to Creditkarma.com can cost you as high as thirty five dollars in late fees. As well your interest rate can reach as high as 29.99 percent. This will increase your payment drastically. And almost more than anything else the reporting on your credit can cause a big drop in score.

4. Co-Signing

Co-signing is certainly a noble gesture. However, it makes you responsible for someone else's financial habits. Co-signing causes more people credit problems than they know. Just as all the various institutions report negatively to the credit bureaus when you pay an item late or default on a loan, they do the exact same reporting when your co-signee makes his or her payments late or worse, defaults on said loan. In the long run, you may not be doing them or yourself any favors by carrying them with your name and credit. Everyone has to learn responsibility, and sometimes enabling a friend or family member's bad habits can seem like helping kindness, when in truth it will further harm you both.

Your credit is the way financial institutions decide to offer you a loan for a home, car, business and more.It is almost impossible to function in today's economy without having good credit. Credit repair can help you work through your financial history and positively affect your credit score and financial standing, giving you the chance to achieve all that you want to achieve.

An Over-50s Guide To Home Buying

If you are 50 years of age or older, then let me be the first to congratulate you - as this is probably one of the most awesome times of anyone’s life!

You will have already worked for most of your life and in the very near future you will be able to look forward to retirement and living out the rest of your life as comfortably and leisurely as possible!

During this stage of a person’s life, some important decisions have to be made about the future, and where you live is one of them.

Thinking of selling up? Read this first!

Sometimes it can be quite difficult to move on from the family home, a place where you have spent a large portion of your life in, and a place that holds so many dear memories to you.

But when the kids have all grown up and left home to start their own lives and their own families elsewhere, it can get a bit lonely at home, so many people in their 50s decide to sell up for pastures new.

Some people also decide to sell their homes and downsize to smaller properties so that they can build up their retirement fund, whereas others may not want to maintain a larger property, or it may even be impractical for them to live in should they have mobility issues.

Whatever the reason, if you are thinking of selling your home and moving some place else, then you should consider these important factors before you 100% decide to do so.

Live within your means

It might be tempting to sell your home in Ohio and move to Washington, for example, but the golden rule is to never live above your means. As you approach retirement age, you should not have to worry about owing lots of money to people!

This is probably going to be your last ever home purchase if you decide to sell up and buy another home some place else. Make sure that the proceeds of your current home’s sale will cover the purchase price of your new home.

Sometimes it might be necessary to take out a small mortgage to make up for any shortfall, so using the example above, if you are planning on moving to Washington, then enlisting the services of reputable mortgage brokers in the Washington DC area will ensure that you get the best mortgage deal possible for your requirements and circumstances.

Choosing the best location

As we get older, we are less likely to want to drive around as much as we used to, so it makes sense to move to an area with good transit links.

It is also worth considering moving to an area that is well-placed for access to various amenities, and can be easily accessed by visitors such as friends and family.

Get advice on what’s best for you

Finally, it is always a good idea to get professional advice on the best thing to do for your particular requirements and needs. The last thing you want to do is make a decision which may prove to be wrong and costly later on!

5 Traveling Tips for the Retired

We should all agree that your retirement should be planned accordingly. And most importantly, it signifies the beginning of a new chapter in our lives, therefore we must do something memorable. And what better way to celebrate your retirement than to plan a vacation and enjoy it to the fullest? We are not talking here about family vacations though, but a more daring approach: travelling alone or with a group of strangers seeking the same adrenaline. Here is a small guide for a unique traveling experience to celebrate your retirement. 

Tip#1: Helpful Online Visual Tools and Options

The first thing to do is to search for online resources and tools that can help you in planning your vacation just the way you want. From accommodation, to city tours, exhibitions and even outdoor activities according to age. Use tools such as Google Earth, Pinterest, Google Street view to get an idea about what a city or country is like, visually speaking. If you love what you see, then dare to experience it. This means applying the next tip. 

Tip #2: Don’t Be Afraid to Research Your Location

This means taking time to search and read reviews, be it TripAdvisor or local online travel reviews sites. The main idea is to document your travel plans in the way that you get a solid base on which you can build new experiences. Nobody says to research every small detail, you can leave space for unforeseeable great experiences, just remember that a plan needs a solid form. So do your best in creating the form, then open yourself to new, exciting things. 

Tip #3: Online Interaction Before Offline

Think of this as the new millennial approach: you have the chance to socialize with people all over the world, and most of the times, you get to socialize in the online environment. The aim is to get in touch with local communities and groups on Meet Up, Facebook, Twitter, Google+ and even forums. If you are a blogger, you might get the chance to find other bloggers and get in touch with them. Never start your travel plan with limitations, just be open to anything. Retirement is after all about being open to a whole new perspective and life chapter. It doesn't hurt to know someone in a city you plan traveling to, even if you travel in a group. It’s that route to escape boredom. Nothing is better than a genuine local guide, showing you the good stuff (coffee shops, pubs and bars, the local history, architecture, art, music, theater etc.). 

Tip #4: Don’t Be Afraid to Go Tech

Age should not be a limitation of any kind. And well, being a tech grandpa for e.g. is really cool for the kids. Dare to try out the new gadgets, don’t be afraid, and always motivate yourself in staying connected to the “today” – the present. When you travel, having a gadget and traveling apps can be a life savior. At least you don’t get to stress yourself with booking and planning, yet you can stay up to date with weather, flights, transportation means, hotels, best deals, restaurants, recommendations and actually get to enjoy a great vacation or getaway. Plus, it is easier to connect with people through gadgets and actually keep in touch after you return home. Nowadays, nobody has enough time to talk for 1 hour over the phone, but instead spend 2 hours on social media platforms. 

Tip #5: Stay in Touch with People at Home

When the kids grow and become adults, build families of their own and have children of their own, they start to panic and get worried. So make sure you give them a call at least once a day and talk for at least 10 minutes, to prevent unnecessary worries and problems. And if you travel to a foreign country and worry about phone costs, then worry not. Companies all over the world offer prepaid sim cards which have the same fees applied as if you were calling from the same country. This is also the case of Aussie Sim, a company that offers prepaid cards for Australians who venture outside the country for holidays and vacations. They also suggest fancy travel vacations on their blog at aussiesim.com.au. 

Word of advice: take as many pictures as you can. Because it is a great therapy to take a look at enjoyable happy memories. although we were discussing earlier about a daring approach, we don’t necessarily advise you to buy the first plane ticket to destination Nowhere. 

Rather, we advise you to search for group traveling options for the retired and adhere to a nice mixed group age, even if you plan your own vacation schedule. Reasons: it is fun; you get to communicate with different people; you can choose according to your preferences; you don’t have to worry, just “enjoy the ride”.

Guide to Buying a Static Caravan

Mobile Home (Photo credit: kenjonbro)

If you’re thinking about buying a static caravan for the first time, here are a few tips about things to consider and esquire about:

• What are the site’s conditions? Your site, after your static, is the most important thing to you. Check out whether or not it has the facilities you’ll need and also whether or not you’ll be able (and happy) to comply with all their regulations and conditions;
• Have you selected a static that’s an appropriate size? Buying small and cute might look cost-effective but not if you and your family start to live cheek-by-jowl day after day and frictions start to arise as a result;
• Does the static have all required facilities? You may think that roughing it a bit is part of the fun and it might well be – for a short period! After that, it might become tiresome, so be clear that it has everything you’ll need to provide the minimum comfort levels and facilities you’ll require;
• What’s happening in the local area? Your site might be great but if the nearest restaurants, pubs and shops are a 15 minute drive away the novelty of rural isolation might soon wear off. Considerations here also apply in terms of undesirable things going on nearby – for example that adjacent farm might look appealing but will be less so if tractors and machinery start making noise at 4am every morning; 
• Do you understand what insurance will be required in order to protect your investment? If not then speak to a specialist such as Cover4Caravans or someone similar;
• What condition is the static in? If you don’t know what to look for when performing an inspection, then get someone to help who does. Remember that, just like with a motor vehicle, things might look fine on the surface but there may be troubles internally or underneath that will result in you needing to some big cheques unless you spot them in advance;
• What are your site neighbours like? True, this is tricky to ascertain sometimes and you can’t go around interviewing people but even so, look around at the condition of other caravans around you, how well their pitch is maintained, what the pet situation is and so on. Try to talk to a few people around you before making your purchasing decision – unless you’re planning to re-locate anyway;
• Do you plan to let your static out at times? If the answer is yes, make sure you check before purchase that the site owners (possibly also the local council) will permit it. Insurance might not be a problem, providing you declare your intentions at the outset and don’t start letting out unilaterally without informing your policy provider;
• Why is the current owner selling? The up-front answer is likely to be re-assuring and bland but some subtle questioning and discussion might sometimes evidence that there are issues other than those being declared. In one sense it might be none of your business but in others, it might give you a legitimate cause for concern;
• Look closely at local environment issues. Caravan sites perched precariously on cliff-tops, in flood-plains, alongside local rivers or directly on the coast, might all be at risk during times of bad weather. Some sites might be a challenge in terms of finding things such as flood or storm insurance cover;
• Clarify the site cost issues both in terms of the present and the future. For example, your pitch fees might seem very reasonable at purchase time but might look a lot less so if they rocket next year. Check out past annual increases and look for guarantees about future percentages where possible;
• Don’t assume you can go to your caravan whenever you wish. Some sites may close at certain times of the year and in terms of site conditions, local council regulations and your insurance provisions, it might not be possible for you to spend more than a specified number of days in your static each year. Make sure that you understand the details here and what it will mean for your plans.

These are a very few basic points but they might help you to avoid making a purchase you’ll subsequently regret!