The complete list of all life-guiding messages for young people – click the titles for further information
E. Joseph Cossman said “If you want to test your memory, try to recall what you were worrying about one year ago today.” Doing this could help put your current worries into perspective.
Sunscreen: SPF 15 filters out approximately 93 percent of all incoming UVB rays. SPF 30 keeps out 97 percent and SPF 50 keeps out 98 percent. No sunscreen can block all UV rays.
You usually build up qualifying National Insurance contribution years if you are: in paid work, in full-time training, receiving certain benefits, or caring for someone for over 20 hours a week.
Teenagers who regularly smoke cannabis risk permanently damaging their intelligence, attention span and memory. Stopping or reducing cannabis use fails to fully restore the lost IQ.
The Sun Protection Factor of sunscreen means how long your skin will take to redden (for example, 20 minutes) compared to if you weren’t wearing it, i.e. SPF 15 means it will take 15 times longer.
If you have time to spare, get a hobby. Try something that relaxes you or adds benefit to your life or someone else’s. It should be something that you can enjoy and look forward to.
The brain associates similar situations which is why you are often reminded of similar events in the past. Releasing the emotional connection to a memory helps you forget and integrate the event.
If you’re considering using a payday loan company, it is recommended you look into all the available alternatives first. You could speak to your bank manager, as you may be able to get an agreed overdraft; speak to a Credit Union; or look into Social Fund Loans – these are government-funded, interest-free loans available to those on low incomes.
If you are asked to lend money to others, if you don’t feel confident that they can pay you back then talk this through with them. How are they planning to pay you back?
The amount you save has no effect on your State Pension. Whether you have savings accounts, personal pensions, property or other sources of income, your State Pension will remain the same.