how to take a screenshot on a window and mac | Video

how to take a screenshot on a window and mac |video

"If you need to snap a picture of a funny chat conversation, show an expert an error message on your system, create ...Take a screenshot of the screen, and save it as a file on the desktop; Command-Shift-4, then select an area: Take ..."

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how to apply for low income apartments

The U.S. Department of Housing and Urban Development (HUD) administers Federal aid to local housing agencies (HAs) that manage the housing for low-income residents at rents they can afford. WHO IS ELIGIBLE?

a.  annual gross income;
b. whether you qualify as elderly, a person with a disability, or as a family; and
c.  U.S. citizenship or eligible immigration status.

HUD sets the lower income limits at 80% and very low income limits at 50% of the median income for the county or metropolitan area in which you choose to live. If you are interested in applying for public housing, contact your local HA. If you have trouble contacting the HA, contact the local HUD Field Office.

Detox diets for weight loss

Every days our bodies are continually contaminated with toxins from, for example, cigarette smoke, pollution, pesticides, a poor diet, junkfood, alcohol and caffeine. As these toxins build up in our system, detox diet can relieve a host of disease,abdominal bloating and indigestion, loss of energy, lowered immunity, to headaches, from weight gain,poor skin and aches and pains. The process of detoxing helps to remove these toxins from the body with the result that you lose weight, feel healthier and recover from all health problems.
 The main thing of the detox diet programme management is to eliminate common toxic, drinks and foods from your diet for a week. After just several days on this toxin-free diet most of people notice, a substantial difference in their body shape, energy levels and self confidence.
Detox diets restricting the foods banned and allowed can vary widely amongst different detox diets, but generally vegetables, beans, nuts, fruit, seeds, herbal teas and water plays a vital role in detox cleanse out of your body.
We all overeat from time to time taking an extra helping at Thanksgiving dinner or having dessert when you’re already full food than necessary, which taxes the liver and kidneys. Not only does a healthy detox give your digestive system a break, can by avoid of things that can exacerbate health issues such as eliminating added sugar, saturated fats, and alcohol.
Read more: 
Detox diet recipes for weight loss
healthy daily calorie intake for weight loss
Healthy dieting tips to lose weight
Essential Nutrients and Their Functions for your body health 

Choose The Perfect Backpack For Traveling

Choose The Perfect Backpack For Traveling

 

Picking the right backpack is an important part of any trip. Too big, and have too much extra weight. Too small, and you will never fit anything in. Pick the wrong material, and when it rains, your stuff will be soaked. There are so many options out there that it can be very confusing.

As someone who has backpacked numerous countries, I often have people ask me what to look for in a backpack. The pack you choose will have a big impact on the comfort and success of your trip. To help you make the right choice, use this guide on how to choose the perfect backpack for traveling.

I spent a good hour picking out my first pack, and that was also after hours of online research and that research has paid off. My backpack has lasted me 8 years so far and is still looks and works just as good as it did the day I bought it. I have no plans to switch anytime soon.

Choose The Perfect Backpack For Traveling :

• The right pack should complement your torso length and sit snugly on your hips. Instead of measuring the length of your entire body, focus on the area from your shoulders to your hipbones. Likewise, you’ll need to choose the appropriate capacity of the bag. While REI suggests choosing a pack that’s 80 liters or more for an extended trip, I don’t think this is necessary unless you’ll be hiking and camping for two weeks or longer.
• If your backpack is uncomfortable, you’ll have a difficult time enjoying yourself. I’d recommend going to a passionate outfitter, like REI, where knowledgeable staff can help you choose the perfect pack. It’s a good idea before purchasing to walk around with rocks in the backpack to test it out. And, if the more expensive pack feels more comfortable, buy it.
• Top loading can be a hassle. Every time you need to get something that’s not on the top of the bag, you’ll need to unload your belongings until you find it. However, the inside usually features a waterproof liner, which isn’t usually the case with panel loading bags. Likewise, panel loading tends to add weight to the pack, and the zippers are more likely to break off. If you can’t make a decision, one good backpack to consider is the REI Mars Pack, which offers top loading and a zippered front panel opening, giving you the best of both worlds.
• The padded hip belt helps to distribute the weight in your pack more evenly, while also giving you more support. Likewise, padded shoulder straps allow for less pressure on your shoulders and lower back.
• Having a backpack with numerous compartments can help you keep related items together within easy reach. For example, I use a Gelert Wilderness 55, which allows me to separate my toiletries, tank tops, undergarments, socks, medications and thin shirts in the bag’s extra pouches. Because of this, I never have to unload my backpack to get to these items.
• Make sure the backpack you choose has a contoured back. Not only is this more comfortable, as it fits with your natural arch, it also creates a space to allow for air to flow through.
• There are two types of frames when it comes to backpacks, an internal frame and an external frame. In my opinion, internal frames are a lot more logical. Not only do they help to effectively place your weight on your hips, they tend to have a slimmer shape for easier maneuverability.
• Each backpack is unique in its own way due to the extra features you’ll be able to get. Some of these include secret compartments, camel backs, compression straps, adjustable torsos, sleeping bag storage, bite valve shut-off switches and much more. Think about what exactly you want your backpack to be capable of doing – for example, keeping you really organized or keeping your luggage dry – and then go from there.

Best Travel tips to have the best trip ever

Health Savings Accounts Help You Save Money

Health Savings Accounts Help You Save Money

If you have a high-deductible health plan (HDHP), you might also want to have a health savings account (HSA). This is an investment account that grows tax-free over the years. You put money in the account before you have to pay any taxes on it, so you save money. You don’t pay a tax when you spend it either, as long as you spend it on qualified health expenses — health care or products on an IRS-approved list.
HSAs must be paired with an HDHP, which means you must pay a large amount of your health care costs before your insurance pays anything.

What You Can Use the Savings For

You can use the money deposited in a health savings account for:

• Co-pays
• Deductibles
• Hospital costs
• Prescription drugs

You can also put aside money for dental work or vision care expenses.

Some plans allow you to use it for over-the-counter medicines if your doctor writes a prescription for them.

Requirements: You can only get an HSA if you’re enrolled in an HDHP. The plan must have at least a deductible of $1,250 a year for one person and $2,500 for a family.

Amount you can save a year: In 2013, you can put up to $3,250 if you’re single in your HSA. If you have insurance for your family, you can put in up to $6,450 for a family. If you’re over 55, you can put in $1,000 more. Your employer can contribute to an HSA account for you. However, your combined contributions can’t exceed the maximum amount allowed in a given year.

Benefits: You don’t have to spend the money you deposit into an HSA the same year it was deposited. It carries over from year to year, and the money grows tax-free.

Like a 401K account, you can take your HSA with you if you change jobs.

You can have an HSA and a dependent care flexible spending account (FSA). But you can’t put money in an HSA if you use your FSA account to pay for medical expenses.

Warnings: You need to report your HSA on your federal tax return. However, you can claim the money you’ve deposited into the account as a tax deduction and subtract it from your gross income. If you use it for anything except medical expenses, you will have to pay tax on it plus a 20% penalty.

Read more:

• Choosing a insurance plan
• Health maintenance organizations (HMOs)
• Preferred provider organizations (PPOs)
• Point-of-service (POS) plans
• High-deductible health plans (HDHPs)

 

High-Deductible Health Plan With Health Savings Account

High-Deductible Health Plan With Health Savings Account

You may be able to pay less for your insurance with a high-deductible health plan. With an HDHP, you may have:

• One of these types of health plans: HMO, PPO, or POS
• Higher out-of-pocket costs than many types of plans, but if you reach the maximum out-of-pocket amount, the plan pays 100% of your care
• A health savings account (HSA) to help pay for your care because the money you put in savings is not taxed
• A moderate amount of paperwork
• To manage your own health care or use a primary care provider, depending on the plan

W hat doctors you can see . This varies depending on the type of plan — HMO, POS, or PPO

What you pay.

• Premium: The premium is the lowest for a HDHP compared to other plans.
• Deductible: The deductible is high — sometimes more than $3,000 a year for one adult and $6,000 a year for a family. With an HDHP, though, your preventive care is free even if you haven’t met the deductible.
• Copays or coinsurance: The kind of health plan you have — HMO, POS, or PPO — determines which one you pay.

With an HDHP, your out-of-pocket spending is capped. For instance, if you have insurance only for yourself, the most you have to spend in a year is about $6,250. If your insurance plan is for your family, the most you have to pay in a year is about $12,500. The totals include your deductible. If you reach this amount, the HDHP pays 100% of your care.

Paperwork involved. The amount of paperwork varies, depending on whether you get care from a PPO, HMO, or POS plan. Keep all your receipts so you know when you’ve met your deductible.

Read more:

• Choosing a insurance plan
• Health maintenance organizations (HMOs)
• Preferred provider organizations (PPOs)
• Point-of-service (POS) plans
• health savings accounts (HSAs)

 

Point-of-Service Plan POS

Point-of-Service Plan POS

 

A POS plan blends features of an HMO with a PPO. With POS plan, you may have:

• More freedom to choose your health care providers than you would in an HMO
• Out-of-pocket costs you can control
• A moderate amount of paperwork if you see out-of-network providers
• A primary care physician who coordinates your care when you use network providers

What doctors you can see. In-network providers your primary care physician refers you to. You can see out-of-network doctors, but you’ll pay more.

What you pay.

• Premium -- With a POS plan, the premium generally stays low because the deductible is high.
• Deductible – You pay a higher deductible if you see an out-of-network provider.
• Copays or coinsurance — Your coinsurance is higher, such as 30%, if you see an out-of-network provider.

Paperwork involved. If you go out-of-network, you have to pay your medical bill. Then you submit a claim to your POS plan to pay you back.

Read More:

•  Choosing a insurance plan
• Health maintenance organizations (HMOs)
• Preferred provider organizations (PPOs)
• High-deductible health plans (HDHPs) linked to health savings accounts (HSAs)