How your health is affected during the three ages of old age

With the development of medical technology and the adoption of healthier lifestyles, the average life span of human beings is increasing, which means that the number of older people as a percentage of the total population is also increasing.

  • Year aging society It is a society in which more than 7% of the population is 65 years of age or older.

  • Year aging society is one in which more than 14% of people are over 65 years of age, and

  • in a super aging society more than 20% or the population are elderly.

Our world is aging rapidly

It took approximately 110 years for the number of people over the age of 65 in France to increase from 7% to 14% of the total population. The same process took about 80 years in Sweden, about 50 years in the UK, and about 20 years in Brazil and Korea.

So what does this mean for those of us who are already over 65?

As aging progresses, the body and mind weaken and diseases accumulate. Chronic diseases, muscle weakness, and mental decline are more common in older people.

Unsurprisingly, the elderly account for a larger share of total medical spending in whatever society they live in.

In 2015, for example, the percentage of people aged 65 and over in South Korea was 13.2%, but their medical expenses accounted for a disproportionate 36.5% of that country’s total health spending.

So you need to put pressure on your government to ensure that healthcare systems are tailored to the needs of older people.

Studies in Europe and North America suggest that older people suffer from four to five illnesses on average, far more than young people who are generally fairly disease-free.

Older people suffer medical events, such as heart attacks, strokes, and cancers, more frequently because their lungs, cardiovascular, and digestive systems degenerate along with their immune systems.

Poor diets also contribute to this loss of good health among the elderly. Therefore, you need to make sure you eat nutritious foods to preserve your health as you age.

The classification of the ages

Until recently, most studies of older people have classified people 65 and older into a single group.

As people live longer, scientists found that diseases vary by how long people survive past age 65. As a result, researchers now divide old age into three distinct periods:

  • 65 to 74 years… the youngest

  • 75 to 84 years… middle age

  • over 85 years… oldest

So what are the differences in terms of health and well-being between the three age groups?


Osteoporosis is a disease in which the bones become brittle and weak. They tend to break if you have a fall or a hard hit. The most common osteoporotic fractures are those of the hip, back, and wrist.

Osteoporosis is more likely to develop as you get older. This can be seen in the increased rate of hospital admissions for orthopedic surgery among the elderly.

Tests by researchers in Australia found age-related osteoporosis in 20% of 50-year-olds, 46% of 60-year-olds, 59% of 70-year-olds and 69% of older patients 80 years old. If you are in the older age group, you most likely have osteoporosis.

Therefore, once you are over the age of 65, you should be tested regularly for osteoporosis. There are many treatments you can take to keep your osteoporosis from getting worse.


Falls among the elderly are quite common. One of the main causes of falls is syncope, that is, passing out or fainting due to a temporary decrease in the amount of blood reaching the brain.

You may experience syncope if you have an irregular heartbeat, reduced blood flow to the heart, abnormally low blood sugar levels, are using blood pressure medications, or other underlying conditions.

Falls can also be caused by vision problems, drunkenness, and sleeping pills, as well as paralysis caused by a stroke or neuromuscular disease (affecting the muscles and the nerves that control them).

Sudden falls can have serious consequences, especially if you hit your head or fall on your wrist.

Once you’re over 65, you should adjust your living spaces so that slips and falls are less likely and have less serious consequences should they occur.

In addition, you must carry an emergency call button, especially if you live alone, linked to a surveillance service that can alert your key fob or emergency services.

Pulmonary function

With age, lung function declines as the elasticity of the lungs decreases and the tendency of the chest to return to its relaxed position. This causes the respiratory muscles to stiffen.

This explains why respiratory diseases are more likely in elderly patients. In fact, hospital admissions for respiratory problems constitute the largest proportion of admissions for internal diseases.

It is obvious that elderly patients should be provided with respiratory equipment and pulmonary exercise training to increase lung capacity and improve breathing.

To strengthen your lung muscles, you should get a breathing device, like the kind used by athletes and musicians, that resists breathing and develops all four lung muscles. Use it every day and after a few weeks you will find that your breathing will improve a lot.

You should also quit smoking.


hospital admissions

There are absolute differences in hospital admissions between the three groups of elderly people.

Together, the three groups account for the largest number of hospitalizations for internal diseases, but about two-thirds of these are elderly patients.

This is because as you age, your immune system degenerates and you become more susceptible to infectious diseases, cancers, and autoimmune diseases.

Therefore, hospitals and hospital admission systems must adapt to the needs of the elderly, who are the most frequent users of these services.

ambulance use

Elderly patients use emergency ambulances more often than younger patients.

Studies indicate that in most developed countries, more than a third of elderly patients, and approximately half of patients over the age of 85, use ambulances to reach an emergency department (ED).

By contrast, emergency ambulances are only used for less than 30% of children who go to emergency services.

Therefore, ambulances must be equipped to suit the needs of elderly patients.

Length of stay (LOS) in emergency services

A recent study found that elderly patients stay in the emergency department approximately 20% longer than younger patients with the same condition.

Several other studies show that LOS in the ED increases with age. This may be because elderly patients in the emergency department are at high risk of associated diseases. They may also require further diagnostic testing and emergency treatment, as well as time-consuming consultation with multiple departments.

Other studies report that the increase in LOS among elderly patients is mainly due to waiting times for hospital admission.

Governments need to develop an effective policy to manage overcrowding and LOS.

Time in ICU

Another study reveals that there are no differences in the ICU admission rate between the three groups of elderly people, but there are differences in the time spent in the ICU between the youngest and the oldest.

This could be because younger patients respond better to treatment than older patients.


With increasing age, the proportion of female patients increases. This is probably due to the fact that women live longer than men.

The rate of emergency department visits for female patients increases with age.

Several studies have shown that women in Europe represent 51% of patients aged 70 to 79 years and 61.68% of those older than 80 years in the ED. In a study in South Korea, women accounted for 55.4% of all elderly patients, that is, 51.5% of the youngest, 54.9% of the middle-aged and 69 1% of the oldest.

Therefore, both government health policies and hospital administrators should consider expanding the number of women’s awards and specialized medical services for women.

Food to go

  • Eat nutritious foods to preserve your health as you age.

  • Get regular tests for osteoporosis and, if you have it, follow the treatments your doctor prescribes to prevent it from getting worse.

  • Adjust your living spaces so that slips and falls are less likely and have less serious consequences should they occur.

  • Use an emergency “panic” button linked to a monitoring service that will alert your key fobs or emergency services should you fall or have an accident.

  • Exercise your lungs every day with a Powerlung or other similar device to preserve lung function.

  • Form a pressure group with your older neighbors to encourage their political representatives, DT, MP, Senators, etc. to ensure that your government acts:

    • adapt their health systems to the needs of older people who use these services much more than other age groups.

    • equip ambulances to fit the needs of elderly patients.

    • develop an effective policy to manage overcrowding and length of stay in emergency departments.

    • consider, together with hospital directors, expanding the number of women’s wards and specialized medical services for older women.

Remember… nothing will happen unless you shout loud and vote during the election


Renting a house in Edinburgh, about the deduction of the deposit

“Damage to housing facilities; 2. Non-payment of rent; 3. Lost items; 4. Cleaning and sanitation fees for the house; TenancyDepositScheme has been implemented in the UK since a few years ago. Depositing deposits in Custodial schemes to ensure that the deposit is protected is an enhanced safeguard for the rights of renters. Implementing the TenancyDepositScheme makes it a bit harder for homeowners to unfairly withhold deposits. However, it is still necessary to have an accurate and detailed declaration or record of the student accommodation Edinburgh and its facilities and items when signing the lease agreement, so as to avoid unnecessary disputes.

Renting a house in Edinburgh, about the deduction of the deposit

House rental permits Homeowners who have multiple properties in England and Wales (mainly referring to properties with more than three floors that are rented out) must apply to the local committee for a house rental permit. Failure to do so will result in a fine of up to 20,000 and forfeiture of rent. The homeowner or agent who applies for a house rental permit must be able to prove their legal identity, and also check some of their previous actions and whether they have a criminal record (but not necessarily the existence of a criminal record will inevitably make them lose eligibility for rental housing). Therefore, if the house (homeowner) to be rented belongs to the situation mentioned above, the homeowner must be required to show the student accommodation in Edinburgh to guarantee their own interests.

Quality student accommodation plays a vital role in creating an optimal learning environment. These accommodations are designed to support academic pursuits and provide students with the necessary tools to excel in their studies. Well-lit study areas, access to high-speed internet, and comfortable workspaces are carefully incorporated into the living spaces, allowing students to focus and concentrate on their coursework.

Gas safety certificate If there are gas appliances in the rented house of the landlord, he should issue a gas safety certificate within the validity period. Landlords must provide each tenant with a copy of the security certificate. Note: Before moving into the room, the owner must be required to issue it. Even if the rented room (for students) does not have gas heating equipment, all electrical appliances must be checked once a year.”


Southampton Student Accommodation – Which One is Right For You?

Southampton Student Accommodation

Southampton is a stunning city with a lot to see and do. From shops, cafes and bars to parks and museums, you’re bound to find something that will keep you occupied during your time at university here.

But it’s important to make sure that you’ve got the right accommodation to help you through your studies and get the most out of your student experience. Whether you’re studying at the University of Southampton or Southampton Solent, it’s crucial that you choose the best halls for you and your budget. And that’s where we come in! Here at Best Student Halls, we’ve put together a handy league table of the best Southampton student accommodation, based on reviews from students like you. So read on for some helpful advice before you book your student flat!

We’ve got a selection of top quality student halls in Southampton, including the likes of Wessex Lane, Romero and Crescent Place. These are all highly-rated by previous residents, so you can be sure that you’re in good hands with your new home. Plus, each property comes with a range of essential features, like ensuites and 24-hour staff.

Southampton Student Accommodation – Which One is Right For You?

I loved living at Monte Halls. It has a lovely community feel to it and all the facilities are really nice. The kitchens are huge and there’s lots of green space to chill in. The location is also great for uni, close enough to walk in the summer but a quick bus ride away during winter. Plus, staying at Monte means you get a free bus pass included in your rent so that’s great!

This brand-new Southampton student accommodation is situated next to the main university campus and a short walk from the city centre. The property is modern with a gym, study rooms, bike storage and a common room. Plus, all the ensuite bedrooms are fully furnished and have a TV. The site is well-staffed and there’s a laundry, bike shed and free Wi-Fi on offer too.

Living in close proximity to campus is another advantage of quality student accommodation. Reduced commuting time means students have more time to engage in academic activities, participate in campus events, and access university resources. By minimizing travel time and logistical challenges, students can make the most of their college experience, enhancing their academic performance and involvement in campus life.

You’ll be a short walk from both ASDA and an Aldi, so it won’t take long to stock up on food for your studies or those nights when you don’t want to cook! The location is also ideal for being able to catch the Unilink buses straight into town – a really convenient option.

You’ll be a short walk from the shopping centre and all the bars, restaurants and cafes that Southampton has to offer! And you’ll also be a short bus ride from both the University of Southampton and Southampton Solent. And if you’re looking for the ultimate student living experience, there are loads of amenities within walking distance of your front door, including a gym, a cinema and a social room. The property is staffed 24 hours a day and has CCTV throughout the premises, so you’ll never have to worry about safety or security. There’s also plenty of free parking on-site.


Student Accommodation in Bristol Has Options to Suit All Budgets

Student Accommodation in Bristol Has Options

Bristol student accommodation is abundant with options to suit all budgets, whether you want to live in a modern student flat, or in a classic shared house. Student homes in Bristol are generally situated a short distance from either University of Bristol or University of the West of England (UWE) campuses, with many found in popular areas such as Redland and Clifton.

Despite being one of the UK’s largest cities, Bristol has managed to maintain an intimate and welcoming feel with a buzzing cultural scene that is matched by its outstanding nightlife. Students who choose to study in the city will find an exuberant collection of independent bars, cafes and restaurants that cater to all tastes, while an abundance of green spaces provide a tranquil escape from the urban hustle and bustle.

For those looking to stay close to their studies, iQ Bristol offers modern student housing in the heart of this creative city, within walking distance of both universities. Only a 15 minute walk from the University of Bristol and a short bus ride from UWE, this modern building includes high-spec studios, en suite rooms, private dining rooms and music practice spaces. Plus, there is free Wi-Fi, 24-hour maintenance, on-site security, and a social lounge, gym and games room.

In terms of student living costs, the average cost of a student apartment in Bristol is around PS137 pppw without bills. For a fully furnished and serviced student flat, the price increases to around PS207 pppw. This price difference is due to a range of factors including size, location and the facilities offered.

Student Accommodation in Bristol Has Options to Suit All Budgets

iQ Bristol is a modern and well-equipped student building located in the centre of the city, just a 15-minute walk from the University of Bristol and a 4-minute bus ride from UWE. The building offers a variety of en suite and studio apartments with the latest in-home entertainment systems, private dining rooms, luxury bathrooms and spacious social spaces, all included in your rent! Plus, you can book with peace of mind thanks to a seven day cooling-off period.

With the infamous Whiteladies Road offering a pulsating selection of pubs, cafes and restaurants, students who choose to live in student flats in Bristol will have plenty of choices for food, drink and socialising. And, for those seeking a little more peace and quiet, there is always a green space to be found in the city, from Brandon Hill and College Green to Leigh Woods.

Quality student accommodation not only focuses on academics but also prioritizes personal growth and social interaction. These accommodations provide communal spaces and facilities that foster a sense of community and encourage students to engage in social activities. Shared lounges, recreational areas, and common rooms create opportunities for interaction and connection among residents, facilitating the formation of lifelong friendships.

Student landlords who offer Bristol student accommodation tend to be very familiar with the needs and wants of this student population, providing a number of perks that are often not found in other types of property. These include double beds, flat screen TVs and stylish living and studying spaces, with all bills and Wi-Fi included in the rent. Some properties also have a dedicated on-site team to help with any problems you might have, and offer online maintenance reporting. In addition, you may be able to secure your student accommodation with a deposit payment plan.


Things to Know in Advance When Renting Student Accommodation in Nottingham

Advance When Renting Student Accommodation in Nottingham

Students studying in Nottingham will find a huge variety of Nottingham student accommodation to choose from. Whether you are looking to rent a studio apartment or a five bedroom house with your friends, the city has something for every budget. Many of our student apartments and flats in Nottingham are located close to both the University of Nottingham and Nottingham Trent University, offering easy access to the campus grounds and city centre.

If you are thinking of renting a flat or shared student property, it is worth doing some research before starting your search. It is important to consider not only the type of accommodation you would like, but also who you want to live with and where in the city you want to be located. If you have a clear idea of what you are looking for, it will help speed up your search and make the process much easier.

Ideally, it is best to start your student property search as early as possible. In January and February you will generally find a greater choice of properties available, whereas in March onwards some students may be looking to pull out of their contracts and this can reduce the number of options available.

Once you have narrowed down your search, it is a good idea to book viewings with the landlords/agents of any property that interests you as soon as you can. This will ensure that the property is still available and you can avoid missing out. If you are unsure about a particular property, don’t worry as there is often a 7-Day Cooling Off Period that allows you to withdraw your reservation and look elsewhere without penalty.

Things to Know in Advance When Renting Student Accommodation in Nottingham

When viewing any student property, it is a good idea to take a list of questions with you. This will help you to ask the right questions of the landlord or agent about the property and the tenancy agreement. It is also a good idea to check that the property is accredited through the Nottingham Standard, as this will provide you with peace of mind that the property meets a basic standard for safety and quality.

As a student, you will likely be required to provide a Nottingham student accommodation UK guarantor for your tenancy agreement. It is a good idea to speak with your family members about being a guarantor in advance of confirming the details with the landlord. If you are being asked to be a guarantor, it is important that you fully understand the terms and conditions of your tenancy agreement as this can affect your credit rating.

Living in a supportive community enables students to develop essential life skills such as communication, collaboration, and teamwork. Interacting with peers from diverse backgrounds fosters cultural exchange, broadens perspectives, and enhances social intelligence. Quality student accommodation nurtures an environment where students can grow personally, form meaningful connections, and expand their horizons beyond the classroom.

The compact city centre of Nottingham offers a wide variety of shopping opportunities. The mainly pedestrianised streets are packed with independent shops, selling everything from books to jewellery and fashion to artwork and accessories. In addition, there is a modern Victoria Centre which features high street brands and chain stores. For those looking for a bit more excitement, the city has a host of bars and clubs to get you through those long study days.


How Many Bedrooms Does the Loughborough Student Accommodation Have?

Bedrooms Does the Loughborough Student Accommodation

Loughborough is one of the UK’s most popular university towns and rightly so, with a high-ranking University, thriving town centre and student union – students here have some of the best student life in the country. The university has an incredible reputation in the field of sports studies and is home to some world-leading facilities, which attracts students from all over the UK.

But what is it really like to study here? We teamed up with Loughborough student accommodation provider, UniHomes, to give you an insight into life as a student in this beautiful town. Read on to find out how many bedrooms does the Loughborough student accommodation have and what’s on offer in this popular student city!

With a rating of 4.32 on the UniHomes league table, Kingfisher B hall student accommodation in Loughborough is a top choice for students who are looking to get into the heart of student life. This modern student accommodation is located a short walk from campus and the town centre,

How Many Bedrooms Does the Loughborough Student Accommodation Have?

which means you’ll be able to make the most of all that Loughborough student accommodation has to offer. The building itself offers a variety of rooms, including self-contained studios and Deluxe En-suites, all of which are well-equipped with everything you need for your time at university. This includes a comfortable bed, study station, lots of storage space, an en-suite bathroom and a fully fitted kitchen where you can prepare your meals.

If you’re not into cooking, then you’ll be happy to hear that there are also a handful of takeaways, restaurants and cafes on site, as well as a large common/games room with Freeview TV, pool table and football tables. The town centre is a stone’s throw away, where you’ll find a selection of fresh restaurants, independent cafes and famous bars. Plus, the local shopping centre is well-stocked with all your essentials and there’s a train station nearby so you can visit other cities too!

Investing in quality student accommodation is an investment in the holistic growth and well-being of students. By prioritizing their academic and personal needs, these accommodations contribute to their overall success and satisfaction during their college years. As the demand for higher education continues to rise, the evolution of student accommodation will continue to provide innovative and student-centric living spaces, further enriching the college experience for generations to come.

If you’re after a bit more culture, the town has some monumental cultural buildings too, including the world-famous bell foundry and Carillon War Memorial at Queens Park. Plus, Charnwood Museum and Old Rectory Museum are a great place to discover the history of the area.


Five Things to Pay Attention To When Renting a Student Apartment in Lancaster

Pay Attention To When Renting a Student Apartment in Lancaster

Located in the county of South Central Pennsylvania, Lancaster is a city that offers a rich history and a plethora of enjoyable activities for everyone. Students from all over the country come to Lancaster to attend its renowned universities and colleges, ranging from a religious school to one focused on arts and science. Regardless of the type of school you attend, there are several things that every student should pay attention to when renting a Lancaster student accommodation.

1. Make sure your property is listed properly.

The most important thing you need to do when renting your student property is making sure it is listed correctly. This means listing all available bedrooms and bathrooms, and providing accurate descriptions of the property. It is also a good idea to include photos of each room, as well as the exterior of the property. This will help potential tenants get a better idea of what the property is like, and will allow them to make an informed decision.

2. Consider requiring a security deposit.

It’s always a good idea to require a security deposit when renting to students, as this can protect you in case the tenant fails to pay rent or damages your property. If you’re not comfortable requiring a security deposit, it may be a good idea to talk with the student about the possibility of including a co-signer in the lease agreement. A co-signer will take responsibility for missing payments if the tenant cannot pay.

Five Things to Pay Attention To When Renting a Student Apartment in Lancaster

When looking for off campus student houses in Lancaster, you want to ensure that they are close enough to the university that you can easily commute each day. This will save you time and money in the long run, and will help make your study experience much more pleasant. If possible, we recommend focusing on houses that are a maximum of 20 minutes’ walk from the centre of Lancaster. This will give you the best of both worlds, as it will be close enough to campus that you can get there quickly but far enough away that you won’t have to deal with the traffic or noise on a daily basis.

4. Look for student accommodation in popular neighbourhoods.

Some of the best student houses in Lancaster can be found in popular neighbourhoods such as the City Centre and the Cumbria University area. These areas are popular with students as they provide easy access to both the university and the centre of town, where there are many shops, restaurants, cafes, bars and other places where students like to spend their leisure time.

Selecting quality student accommodation is a significant decision that can greatly impact a student’s college experience. By creating a conducive learning environment, fostering personal growth and social interaction, ensuring safety and security, and providing supportive staff and resources, quality student accommodation serves as a catalyst for success. It creates an environment where students can thrive academically, explore their passions, and develop essential life skills.

When choosing Lancaster student accommodation, you’ll also want to make sure that the house is clean and safe, and has all the amenities you’re looking for. This includes having an ensuite bathroom and a fully fitted kitchen, as well as high-speed broadband. This will make your stay much more comfortable, and will ensure that you’re able to focus on your studies without any distractions.


Can Students Bring Their Pets to the Student Housing in Cardiff?

Students Bring Their Pets to the Student Housing in Cardiff

When you move to a new city, one of the biggest concerns you may have is finding student accommodation that meets all your requirements. Whether you want to live in university residences, a private rented house or share a flat with your friends, you will need to know what factors to look for in a property. You will also need to consider the size of your room, whether there is a garden or parking space and what amenities are available in your chosen area.

You can find student housing in Cardiff that offers all of these things and more. The most important factor is to decide what type of lifestyle you would like and choose the type of Cardiff student accommodation that best suits you. The most popular type of student accommodation in Cardiff is shared houses, which are ideal for students who enjoy sharing their living space and spending time with their peers. If you are looking for a more intimate living arrangement, you should consider choosing studio apartments or flats that have their own kitchens and bathrooms.

There are many student flats and apartments in Cardiff to choose from, so it is important that you take the time to browse the options available to you. You can use a website such as Uniflats to compare reviews and find the best Cardiff student accommodation for your needs.

Can Students Bring Their Pets to the Student Housing in Cardiff?

The majority of the student properties in Cardiff offer security features including CCTV and secure door entry systems. Most also include utilities in the rent, but it is important to check each property’s page for specific details. You will also want to make sure that the student flat you choose has a high-speed broadband connection.

You will find a wide variety of activities to keep you busy in Cardiff, from museums and galleries to music and theatre. You will also find a wide range of restaurants, cafes and bars to suit all budgets. There are plenty of sports clubs and societies to join too, so you will never be bored when you live in student accommodation in Cardiff.

Furthermore, many accommodations collaborate with universities to offer additional resources and services. These may include mentoring programs, tutoring, and career guidance. By providing access to these resources, quality student accommodation empowers students to overcome challenges, develop valuable skills, and navigate their academic and professional journeys successfully.

The Welsh capital is home to opulent castles, exhilarating beaches and some of the country’s top universities. The city is also culturally rich with many theatres and music venues to visit, including the Wales Millennium Centre, affectionately known as ‘The Armadillo,’ Chapter Arts Centre and The Sherman Theatre. The city is also well-known for its festivals, including the Tafwyl, a festival celebrating Welsh arts and culture.

There are many ways to get around the city of Cardiff, from bus and train services to cycling. If you prefer to cycle, you can use the Taff Trail, an 8-mile bike path that runs through the city. Alternatively, you can use Nextbike UK to rent a bike for a short period of time. There are also 20 train stations in the city, so it is easy to travel from your student accommodation in Cardiff to other parts of the country and beyond.


Online Soccer Betting Tips

Most sports bettors know that there is no better bet than online soccer betting. This is true for countless reasons, but perhaps most importantly, soccer betting can be a game of skill if approached in the right way. Simply put, do your homework and online soccer betting can be a winning proposition.

For example, take the 2005 NFL pro football season and the Indianapolis Colts. Football handicappers had a field day with the Colts. Imagine starting the season with $100 and raising your bet on the Colts. At the end of the season, that $100 could have been worth many, many times as much. The Indianapolis Colts were the best online football bet for almost all of last season.

The reason so many sports bettors are more likely to bet on soccer really comes down to the odds and handicap lines offered on the games. With a little dedicated research, anyone can bet on soccer and become pretty good at it. The secret is to never get too greedy and always keep your focus on what the research shows and not what the odds say.

Very often, players who bet on soccer are disappointed when they start placing their bets during pre-season. In fact, the pre-season can be a good time to watch soccer, but a bad time to bet on soccer. This is due not only to the volatility of players as they settle into the season, but also to coaches, who frequently rotate their players in and out of games to study the performance of new players.

In anticipation of your mid- and late-season soccer bets, use preseason as an opportunity to take notes on players and teams. See how the key players work without their starters by their side. This initial research will expand your knowledge of the standard seasonal performance of teams and give you a fuller understanding of the team’s potential to perform in adversity.

Soccer betting is a way for fans to enhance their gaming experience, a way to feel more involved. But a fan’s passion for the home team can be their undoing. Perhaps the most important thing in soccer betting, be scientific. Many bettors have vowed never to bet on their favorite team, resigning themselves to not being able to watch the game objectively. While this may not be necessary for all soccer bettors, it is certainly prudent to do everything possible to remove as much emotion from soccer betting as possible.

It is important that players who bet on football learn as much as they can about the teams that play in both college and the NFL. Even more important, players who bet on soccer should follow the injury reports of players from the teams they are considering betting on in a given game. Key injuries change everything, which is one reason for the big move between morning lines and gametime lines.

In online soccer betting, as in betting on anything with so many variables in play at once, bettors will certainly make mistakes from time to time. But just as a team must approach each game as a blank slate, bettors must also view each game free from the weight of a loss or the joy of a winning streak. Forget the past and just watch this weekend’s games. As a winning football bettor once said, last weekend’s game can teach him how to improve, but next weekend’s games are the games he can win.


gold is not money

I drive men crazy for love of me.

Easily defeated, never free.

It’s me?

Why, you are gold, of course.

In fact, metal is many things to many people. But one thing is not: money.

That’s a surprise to some people.

Over the years, in letters from readers about acquiring, transporting or storing gold, I have noticed that many people assume that gold is money. From there they extrapolate all kinds of false conclusions about how they should manage their ownership of the metal.

Some even miss out on great opportunities as a consequence.

Gold is not money… and that makes a huge difference when it comes to wealth management strategies…

What is money… and why does it matter?

Those of you interested in bitcoin are probably familiar with the long debate over whether virtual currency is a form of money or a non-monetary asset.

Government agencies, the IRS, and the courts have dealt with this issue from time to time. It’s important for a number of reasons… all of which apply equally to gold bullion.

Money (currency, a legal tender issued by a sovereign authority such as the US government, including face value gold coins) is not considered an asset. It is just a store of value, a unit of account, and a medium of exchange.

Because governments issue money, governments have a unique interest in controlling it…such as when it comes into or out of the country, or stores it in a foreign financial institution, or uses it for a large transaction. That is why they impose such strict reporting requirements.

On the other hand, governments do not normally tax the appreciation of the value of money. If you have an account denominated in Swiss francs and its value increases against the dollar, increasing your purchasing power, it is not considered a capital gain.

The same would apply to bitcoin or gold, if they were considered forms of money… hence the debate.

The Bullion Advantage

But gold bullion – gold that has not been minted into legal tender coins, which is treated like money – is an asset, not money, and that matters… a lot.

Let’s go over some of the key differences.

  • Gold bullion purchases must not be reported to the US government. Many people think that they are. This is because if paying cash or a cash equivalent worth $10,000 or more in bullion, the merchant must file IRS Form 8300, “Report of Cash Payments Over $10,000 Received in a Transaction or Business.” However, this requirement is not specific to purchases of precious metals. It applies to all cash transactions of more than $10,000, no matter what you are buying. If you buy bullion with a credit card, you don’t need to tell Uncle Sam.
  • You do not have to declare gold bullion when bringing it into or out of the US, like you do currency. Admittedly, this is a tricky topic, and many people advise you to play it safe and declare it anyway to avoid trouble. But technically, gold bars are just like any other personal property: furniture, a car, etc. – and cross-border movements do not have to be reported if the value exceeds $10,000, as is the case with any form of currency (including legal tender gold coins).
  • You are not required to report gold stored outside of the United States. Whether you keep it in a safe deposit box or a private vault, gold bullion is considered personal personal property, an asset no different than jewelry, works of art, or anything else of value. By contrast, if you keep money in a foreign financial institution, you face all sorts of onerous reporting requirements, such as Foreign Bank and Financial Account Reporting (FBAR) and Foreign Account Tax Compliance Act (FATCA).
  • You report and pay capital gains tax on gold sales, but you can also deduct losses. The IRS classifies billions of gold as collectibles. That means the gains on your sale can be taxed at the maximum capital gains rate of 28%. The actual rate you pay is determined by the amount of time you’ve owned it and your ordinary income tax rate. You would report capital gains from gold sales on Form 1040 Schedule D and pay the tax when you file. Conversely, if you sell gold bars at a loss, it may offset other capital gains or even ordinary income.

the universal asset

Looking at gold bullion as an asset rather than a financial instrument illuminates its role in wealth management strategies.

Many people successfully speculate on gold price movements. Some even invest in funds like the SPDR Gold Trust (NYSE Arca:GLD). (Though that doesn’t count as owning gold in my book, it’s just paper.)

But by far the bulk of the world’s gold bullion is doing precisely what assets should do in any smart wealth management strategy: safely storing value for the long term as a hedge against the slings and arrows of the markets. of financial instruments such as stocks, bonds and the like.

Gold bars are the best “set it and forget it” strategy. If you haven’t already “set it up” by stockpiling some of the yellow metal that “powers[s] men madly in love with me”, now is the time to start.