The first meeting with a financial adviser. The first meeting with an adviser is usually free. During this meeting, you and the adviser can discuss your advice needs and the adviser can give you an idea of what they can do to help you.
1 The vast majority of people living with HIV are in low-and middle-income countries. 2  According to WHO, sub-Saharan Africa is the most affected region, with 24.7 million people living with HIV in 2013.3  Seventy-one percent of all people who are living with HIV in the world live in this region.he Global HIV/AIDS Epidemic. HIV, the virus that causes AIDS, is one of the worldâs most serious health and development challenges: 1  According to the World Health Organization (WHO) ,
HIV/AIDS. HIV Risk and Prevention. In the United States, HIV is mainly spread by having sex or sharing syringes and other injection equipment with someone who is infected with HIV. Substance use can contribute to these risks indirectly because alcohol and other drugs can lower peopleâs inhibitions and make them less likely to use condoms.