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If you write bills for payment often, you may want to create an invoice template you can modify each time you send a new one to a client. This is especially useful for contractors or other people who perform ongoing services. You can create an invoice template using your favorite word processing software or by searching for a template online.  An invoice includes a header with your name (or your business name), your address and phone number, and your company logo, in addition to a detailed account of services rendered, payment owed, and payment instructions. Invoices are usually created electronically, numbered, and saved to a computer. This way you always have a copy of the invoice and don't have to worry about losing a piece of paper. Be sure, however, that you also back up your files using a file storage service, such as Google Drive or Dropbox. That way, if the hard drive on your computer crashes, you still have backup copies of your invoices. Choose a numbering system that makes it easy for you to organize your records. One option is to use the current date, so "INV123116" is the invoice you prepared on December 31, 2016. If you prepare more than invoice on the same day, you can add the vendor's initials. Invoice books are available at office supply stores. They contain forms with spaces for services rendered and payment information. Each time you need to write a bill for payment, you fill in the blanks.  Invoice books are useful for people writing bills for items they have sold. For example, if you sell homemade cakes, it might be easier to write out a bill for payment instead of creating an invoice on the computer each time you make a sale. Choose an invoice book with a layer of ditto paper underneath each blank bill so that you and the customer both get a copy. You're still going to want safe storage, though. Be sure to keep your copy of the invoices in a fire-proof box. PayPal or Square both allow you to send invoices. There is a fee for this service (2.9% + 30¢ per invoice as of January 2017), but the ease of paying electronically may lead to more reliable payments.  From within your PayPal account, select the "Send & Request" menu option at the top. Then, select "Create and Manage Invoices." Finally, click on the "Create" button to create a new invoice. You'll need to know the email address of your client for the "Bill To:" section of the invoice. PayPal or Square will send the invoice to the account with that email address. Invoice apps such as Invoice2go let you send and track invoices from your phone, and set up automatic payment reminders. Customers can pay you online using a debit or credit card. If you use accounting software to manage your business, it may include an invoice system. QuickBooks, for example, has a user-friendly "Invoice" button on the dashboard that walks you through the process. Your clients won't have an instant payment option, but you can easily track the status of your invoices alongside the rest of your business records.

summary: Create a professional  invoice. Pick up an invoice book. Use an online payment system. Get a dedicated invoice app. Create an invoice with your accounting software.


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After you’ve checked your symptoms and risk factors, ask your doctor whether these issues might be linked to a vitamin D deficiency. Remember to mention any part of your lifestyle that might be linked to lower levels, such as limited sun exposure or dietary habits. This is just a regular blood test in which your blood levels of 25-hydroxy vitamin D is checked. This test, also known as 25(OH)D, is the only way for you to know whether your symptoms are linked to a vitamin D deficiency. Healthy individuals usually have a level between 20 ng/ml to 50 ng/ml. A level below 12 ng/mL is a sign of vitamin D deficiency. In the United States, it is possible to take the test without consulting your doctor. Some labs allow you to order a 25(OH)D test online and take it either at home (by piercing your finger and getting a blood sample) or at their closest facilities.

summary: Consult your doctor. Ask your doctor for a vitamin D test. Order a vitamin D test online.


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Opt for the most comfortable one you can afford.  Many airlines offer fully reclining seats that convert into flat beds in first class and sleeping berths with beds are often available in the first class compartments of trains.  If first class travel is outside your budget, think about paying for extra leg room on a flight, especially if you are taller than average.  Even if you're stuck in coach however, you can still get a seat that works for sleeping.  Get a seat that reclines.  If traveling by airplane, avoid the back row of the plane where the seats often don't recline fully.  On overnight train journeys, reclining seats with leg rests are usually available in coach class. Pick somewhere quiet.  On planes this is typically the middle rows where you are less likely to be distracted by the noise and movement of other passengers and flight attendants. If you find that being near children can disturb your sleep, avoid bulkhead seats on a plane as this is often where the cribs are located. Go for a window seat.  Many passengers report that it is easier to drift off in a window seat where you can rest your head against the side of the plane or train. You are also less likely to be disturbed by another passengers getting out to the aisle. Get a good bunk on the train. On longer European train journeys, shared couchette accommodation is popular and affordable.  A couchette is a room with several bunks, which you will share with strangers.  The rooms lock from the inside.  The top bunk is generally more secure, but if you need to get up during the night to use the bathroom it can be difficult to do so in the dark. This is more pertinent to train travel because although trains are generally very safe places, robberies do happen.  When you're sleeping you are more vulnerable, so prepare for the worst by keeping valuables with you at all times. If you feel comfortable and safe it will be much easier to get some rest.  Consider using a money belt that straps to your waist or thigh. If you are storing luggage in the overhead bins, make sure the opening is facing away from the aisle and consider using a lock. Packing these items in your hand luggage will help you create the right conditions for sleep.  An eye mask.  Many airlines give these out for free when you board but they are not generally available on trains.  Opt for an eye mask with a flap that comes down over the top of your nose to keep the light out as much as possible. Earplugs.  Airplanes and trains can be very loud places, with the sounds of other passengers, the meal and drink service and plane engine noise potentially disrupting your rest.  Bring foam or silicone earplugs so that you can block out the noise and get some sleep. As you settle into your seat, tell your neighbor that you are planning on sleeping.  On a plane, let the flight attendants know that you don't need to be woken up for meals or drinks. Set it for an hour before you are scheduled to arrive at your destination. Remember that you may be crossing several time zones and be aware of the local time at your destination.  Feeling prepared and ready for what's ahead will help you to relax and get some sleep without worrying about what will happen at your destination.
summary: Choose your seat or bunk carefully. Secure your belongings. Bring the necessary equipment to encourage sleep. Communicate to avoid being woken up. Set an alarm.