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Lyme disease was first discovered after an unusual outbreak of arthritis in Lyme, Connecticut in 1975. Today, Lyme disease is widespread across Canada, but the highest risk of exposure is in wooded areas during spring and summer months.
Lyme disease is a bacterium typically carried by mice and other small rodents. It is transmitted through ticks that have previously bitten infected animals and then bite humans. When these infected insects attach to the human body, they transmit the disease within 36 to 48 hours. Young ticks are prevalent in late spring and early summer, although adult ticks can transmit the infection as well. Adult ticks are larger and much easier to spot, but young ticks can be as small as a pinhead.
Symptoms of Lyme disease typically develop within two weeks of the tick bite. Although a majority of those infected develop a rash in the shape of a bull's eye surrounding the bite, 20 to 40 per cent of people do not exhibit this symptom at all. Instead, they may develop flu-like symptoms, including fever, chills, swollen lymph nodes, neck stiffness, fatigue, headaches, and migrating joint aches or muscle aches.
If you suspect that you may have contracted Lyme disease, seek medical attention. A simple blood test can confirm whether you have the disease. If you test positive, the medical professional will prescribe antibiotics to kill the infection. Left untreated, Lyme disease can cause arthritis, muscle pain, heart disease, and brain and nerve disorders.
Here are some things you can do to reduce your risk of contracting the infection:
Do a tick check by carefully looking over your whole body. If you find any, remove them with a tweezers and clean the area with an antiseptic. Keep an eye on the area for the next few days and be on the lookout for a rash and achy flu-like symptoms. If you feel sick or notice a rash, seek medical attention immediately to test for Lyme disease.
Financial advising involves providing guidance and advice to individuals, families, or businesses to help them make informed decisions about their financial matters. This can include various aspects such as investment planning, retirement planning, tax planning, estate planning, and more. Financial advisors analyze their clients' financial situations, goals, and risk tolerance to create customized strategies that align with their objectives.
Financial planning is crucial for several reasons:
Goal Achievement: It helps individuals set and achieve financial goals, whether they are short-term, such as buying a home, or long-term, like funding a comfortable retirement.
Risk Management: Financial planning addresses risks by considering insurance, emergency funds, and other protective measures.
Budgeting and Saving: It promotes responsible money management through budgeting and saving, fostering financial stability.
Wealth Building: Effective financial planning can lead to wealth accumulation and the creation of a secure financial future.
Yes, financial advisors can help with debt management. They can assess your overall financial situation, create a budget, and develop strategies to pay down debt efficiently. They may also negotiate with creditors on your behalf, provide debt consolidation recommendations, and offer guidance on prioritizing and managing debt repayment.
The specific responsibilities of a financial advisor can vary, but generally, they:
The fees charged by financial advisors can vary widely based on factors such as the advisor's experience, the services provided, and the region.
Common fee structures include:
Hourly Fees: Advisors charge an hourly rate for their services.
Flat or Fixed Fees: A set fee is charged for specific services or a comprehensive financial plan.
Asset-based Fees: Fees are a percentage of the assets under management (AUM).
Commission-based Fees: Advisors earn commissions on financial products they sell.
Combination of Fees: Advisors may use a combination of the above fee structures.
It's important to discuss and clarify fee arrangements with a potential financial advisor before engaging in their services.