Posts by Initia:
- You have impaired reflexes, making it hard to dodge an accident
- You can be difficult to see, especially in places with fewer street lights
- You are smaller and more fragile than a car, so you are likely to suffer severe bodily injuries
- Medical tests
- Skid marks
- Eyewitness testimonies
- Post-accident blood or urine test results
- RESEARCH BEFORE DIVING IN FOR THE PROCESS
- DISCUSS YOUR CASE THOROUGHLY
- PRIORITIZE YOUR SATISFACTION
- HIRE AN AVAILABLE LAWYER FOR YOUR CASE
- DO NOT SETTLE FOR AN INEXPERIENCED LAWYER
- IGNORING THE PAYMENT DETAILS
- HIRING SOMEONE YOU DON’T TRUST
- COMPROMISING THE QUALITY TO SAVE MONEY
- Managers should lead and set an example
- Managers should set team-building activities and exercises
- Managers should focus on providing team based rewards
- Managers should mediate to resolve team conflict
- Managers should encourage and arrange office outings
- Automated Management. As mentioned previously, investors are not looking to buy themselves a job. Automate as much of the business through software and quality employees as possible.
- Scalability. Buyers are looking to grow the businesses they buy. This means that having great products with great reviews is very important when calculating the value of your business. It also means that relying on software to automate day to day tasks ensures the company will have the bandwidth to grow the business.
- Clean Financials and Customer Metrics. Like most small businesses, you likely don’t have audited financial statements. However, plugging your business into Quickbooks, linking your business with tracking software like Google Analytics and keeping track of your customer interactions in a quality ecommerce email software will help assure the buyer that your business is all that you hype it up to be.
- Reasonable Valuations. Unlike the world of silicon valley, ecommerce businesses trade for a multiple of their annual profit. Depending on the size of your business, industry, track record and a litany of other factors, your business could be worth anywhere from 2.5 – 6 X annual profit. To get a more in-depth valuation of your business, you can request a valuation through either an ecommerce valuation calculator or an Amazon FBA valuation calculator for those businesses that only sell on Amazon.
- District of Columbia
- Florida
- Hawaii
- Kansas
- Kentucky
- Massachusetts
- Michigan
- Minnesota
- New Jersey
- New York
- North Dakota
- Pennsylvania
- Utah
- Be in a Safe and Supportive Environment
- To face up to Your Problems
- Set Goals and Reach them
- To Create a Healthy Routine
- To Get Ongoing Support
Hit While Drunk: Can an Intoxicated Pedestrian Sue?
December 31st, 2020After a long night of drinking, the last thing you should do is drive home. If you live near where you spent your evening imbibing, you may feel that walking is the responsible alternative. However, doing so can be both physically and financially dangerous.
When you think of alcohol-related accidents, most people think of drunk drivers. While it may not be a popular topic, statistics show that pedestrians who have overindulged in alcohol consumption are also prone to severe injuries or death.
Dangers of Drunk Walking
When you are walking drunk, you are more likely to get into an accident. However, getting into an accident while under the influence as a pedestrian does not automatically put you at fault. In fact, the driver can still be liable for the accident, even if they were sober.
Negligence is often the culprit in pedestrian accidents. Studies show that car accidents involving drunk pedestrians are typically caused by a fault of the driver. There are, however, incidents where the pedestrian is at fault for the accident. The person who wins the liability case depends on a number of things, including which party had the right of way.
The Disadvantages of Drinking and Walking
When you decide to walk while you are drunk, there are some disadvantages. For example:
Determining the Responsible Party
Although being drunk while walking can make you a liability, it does not automatically put you at fault. For instance, if the drunk pedestrian is at an intersection and a car decides to keep going rather than stopping at the light, they are responsible for the accident. On the other hand, if the vehicle has the right of way, and the drunk pedestrian ignores their cue to stop, the driver is not responsible for the resulting accident.
Sometimes, both parties can be at fault. In some cases, the driver and drunk pedestrian are each penalized for damages. This penalization is referred to as comparative negligence.
When you are drunk, your reflexes are not as sharp as when you are sober. Therefore, a drunk driver may not be able to stop quickly enough to avoid hitting the pedestrian. Being drunk also interferes with depth perception. Therefore, a pedestrian may overestimate the amount of time and space between themselves and a car prior to the accident.
Regardless of how injured a drunk pedestrian is, their injuries don’t make them less at fault if deemed responsible. In fact, they may still be accountable for the damages caused to the driver or their vehicle.
Going to Court
When you get to court, you will need as much evidence as possible to prove your case. Examples of evidence worth bringing to court include:
If you win, but the court deems you partially responsible for the accident, a portion of your winnings will be awarded to the other party. For example, if you win 40,000 dollars in the lawsuit and the court believes 10 percent if the accident is your fault, the party responsible for the other 90 percent will only have to pay you 36,000 dollars, rather than the full 40,000.
If you are involved in an accident, seek legal help immediately after you receive medical attention. An injury lawyer can assess the damage, who is at fault for the accident, and potentially win you compensation. In the future, do your best to avoid going out drinking without a designated driver.
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Why You Should Never Plead Guilty, Even if You Did It
December 29th, 2020After an arrest, you will be ordered to appear at your arraignment or court hearing. At the arraignment, the judge will read the charges to you and tell you what you could be facing as penalties for the charges. The judge will then ask you how you wish to plead.
The Options
You have three choices. You can plead no contest, not guilty, or guilty.
If you plead no contest, you aren’t admitting that you committed the crime, but you are accepting the penalties for the crime. If you plead not guilty, you will go to trial. If you plead guilty, you might have to go to trial.
You should never plead guilty even if you did it because pleading guilty will mean that you will definitely have to suffer the consequences of the crime, and you would be left with a criminal conviction on your record.
Reasons Not to Plead Guilty
When you are at your arraignment, you should not plead guilty for the following reasons:
Your Attorney May Work Out a Plea Deal With the Prosecution
By pleading guilty, the judge can sentence you to the maximum that is allowed. By pleading not guilty, your attorney may negotiate a plea deal that would be highly beneficial to you. The prosecution may reduce the charges or agree to a lesser sentence if you allow your lawyer to work out a plea deal. This would no longer be possible the second after you plead guilty to the charges.
You Don’t Have an Attorney
You may not have had a chance to hire an attorney when you need to be in court for your arraignment. If this is the case, you must plead not guilty. If you cannot afford an attorney, the court will appoint you a public defender. The best option is to hire a private attorney. Public defenders mean well, but they have large caseloads, and they don’t have a lot of time to concentrate on your case.
Your Attorney Will Need Time to Develop Your Case
Pleading guilty means that you lose the opportunity to defend yourself in court. The prosecution will not agree to reduce the charges or dismiss them altogether.
Pleading not guilty buys you more time so that you can work with your lawyer to build a strong case against your guilt and find the weaknesses in the prosecution’s case.
You Cannot Appeal
The constitution guarantees you the right to a speedy trial. After pleading guilty, the process suddenly becomes much shorter, and you could be going to jail much sooner than you expect. Pleading guilty doesn’t give you any time to put your affairs in order. The judge can decide to give you the maximum sentence, and you often waive your right to appeal with a guilty plea.
Even if you haven’t waived this right, a guilty sentence is meant to be final and getting an appeal may be difficult. You have to prove that a legal error occurred. That’s why it’s better not to plead guilty in the first place.
You Will Have a Criminal Record
You won’t necessarily be sentenced to prison if you plead guilty, but you will have a criminal record. It will follow you for the rest of your life. A criminal record may encourage your employer to fire you, and potential employers will learn about the conviction in your background check. It will give them a reason to choose another candidate.
Criminal convictions also affect your social life. For example, you may need to go to court to fight for custody of your child. When the conviction comes out, the other parent will use this against you.
What Should Your Next Step Be?
Going to trial will mean that your life will be in the hands of the jury. If you are found to be guilty, the judge may sentence you to the maximum. Before you decide to plead guilty, you should seek legal counsel. In fact, Simmrin Law Group advises that you don’t speak to police or the prosecutor’s office without a criminal defense lawyer present. Your lawyer will be your best resource in this difficult situation.
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How To Get Online Payday Loans For Bad Credit
December 29th, 2020Whenever you need fast cash, online payday loans are a great option. You may not have the most impressive credit, but there are ways to get this type of loan. Without further ado, here are ways to get a fast payday loan online, even with lousy credit.
Six points to keep in mind before applying for online payday loans for bad credit
Have a Valid Email Address
Most online lenders prefer this method of communication since they carry out their transactions online. Providing a valid email address shows how serious you are about applying for a bad credit payday loan.
Besides, a verifiable email address raises your loan’s chances of getting approved since your lender can verify your genuine identity. Keep it as active as you can to avoid missing any critical updates that may come up.
Moreover, pseudo email address accounts could only make matters worse for you financially. Lenders online have mastered the art of detecting fraudulent borrowers.
Besides valid email address accounts, lenders also check for other vital official documents to keep close to you. The likes of government-issued IDs are not an exception.
Get a Stable Source of Income
No lender is willing to take the risk of approving bad credit loans from borrowers without stable jobs. A source of income serves as security for both parties. It makes the loan application process more straightforward since the lender will determine how much money to avail to you.
What’s more, they’ll also advise you accordingly on the logistics you’ll need to consider. For instance, your source of income is a huge determiner of every financial move you make. Being open with your lender cements a stable working relationship that will help you stabilize financially within the shortest time possible.
Find Credible Online Lenders
Money matters are too sensitive to take lightly, and that’s why it’s essential to work with verifiable lenders. This saves you time and helps you get back on your feet financially.
Best Moneylender Singapore offers you the best value in personal loans, offering borrowers the lowest-interest cash loan in Singapore. Here are features that should guide you in your search for a trustworthy moneylender.
Impressively Responsive
Genuine money lenders understand the value of time, especially when money is in the picture. They will go the extra mile and work on deals they have initiated within a short time. They will do the follow-ups most of the time to see that the application goes through successfully.
Patient
It’s not easy to predict what the future holds, especially in regards to finances. A worthy lender understands the principle of patience and knows when to exercise it.
The borrower may default in paying up the loan within the stipulated time due to circumstances beyond their control. They always have a plan to recover the loan that works for both parties.
Flexible
Your ideal lender will have packages that are a perfect fit for each of their clients. Flexibility is a vital requirement since theirs is a position that should accommodate clients from all walks of life.
Be Wise In Your Approach
Take your time to carry out in-depth research and delve into the nitty-gritty of online bad credit payday loans. Know what you’re getting yourself into by making your calculations beforehand.
Avoid borrowing money unnecessarily, especially since your prime goal is to improve your credit score. If you have to apply for a loan, only settle for an amount that won’t take you deeper into a financial mess.
Seek the advice of a certified finance expert in case things get out of hand. Come up with a flexible repayment plan that will give you a sense of direction. Start with a manageable amount if you’re applying for an online bad credit payday loan for the first time.
Consider installment loans if there aren’t options for smaller loan amounts. Now that your credit score is nothing to write home about, take every opportunity to redeem it. This way, you’ll have ample time to set yourself up for a comeback financially.
Visit Verified Websites
Ensure that you’re only applying for a bad credit payday loan from a verified website. As seen earlier, legit lenders should be at the top of your search list. Otherwise, you may fall prey to fraudulent ones that may end up charging you high interest even for lower loan amounts.
Follow the site in question up to find out whether there are any threatening remarks from previous users. Your private information runs the risk of being exploited to the fraudsters’ advantage.
Terms and conditions should be another sensitive part of your research. Following it all blindly could have serious repercussions that would hurt your chances of ever coming out of debt.
Check out your responsibilities as a borrower and the penalties should you default.
Make Timely Repayments
This is a vital requirement if you’ll ever need online bad credit payday loans in the future. Be sure to honor your part of the agreement and settle your dues in line with the terms of the contract you signed.
If this is not possible for some reason, get a trusted companion to cosign for you and stand in the gap for you.
Final Thoughts
Applying for online payday loans requires you to be wide-eyed during every step. Seek clarification from authorized financial experts in case something becomes unclear on your part.
References
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PERSONAL INJURY LAWYERS: HIRING DOS AND DON’TS
December 28th, 2020Though we try to avoid legal matters as much as possible, sometimes it becomes unavoidable. When you face loss like personal or property damages, you need the court’s help for compensation. Some deal with such matters privately. But it is always smart to use the proper channel and work through lawyers. For this, you have to hire an apt personal injury lawyer who can represent you in court like Bridge City Law.
Thus, begins the search for a process that can bring justice to your case. The professional will help you throughout the way and guide you in the legal work that many people do not understand well. But while this process seems straightforward, finding the perfect attorney is quite a challenging task. We have gathered a list of dos and don’ts that will help you hire the right attorney for your ease. Now, before further ado, let’s have a look at them.
LAWFUL PRACTICES TO PURSUE:
The most important part of hiring a personal lawyer is the homework behind it. You can not select your attorney without proper research. When dealing with individual damage, you must hire a lawyer with experience in such matters. While acquiring compensation for your loss, you need a reliable attorney to represent and help you in legal affairs. No matter where you are, be it New York, Los Angeles, or Hawaii, accident injury lawyers help in plenty of lawful concerns. Likewise, Denver accident injury lawyer remain busier in the field than other specialized attorneys. Before you choose, it is better to go through websites and peer at the reviews of all the firms you find suitable. Look for the ratings and reviews that previous clients have left for them and see where they stand in the field. If possible, you can also contact old clients of these attorneys to get an idea of their experience. In short, you should not rush this process. Take your time, do your homework, and hire someone you find fit for your case.
All lawyers sign a client confidentiality agreement. What you talk in private, they can not discuss it anywhere else. But even after such precautions, people avoid telling the complete truth to their lawyers. And, when they miss intricate details of their case, it reflects in the court judgment afterward. Therefore, try to open up in front of your lawyer. This discussion allows you to find the best attorney for your case. Because when you hide stuff and lie to your lawyer, you are nearly causing damage to yourself.
When you are hiring your accident injury attorney, interview a few available options. Talk to them face to face so you can see whether they are appropriate for your case. Sitting next to them will give you a basic idea of what it will be like in court. In such matters, it is vital to have a casual yet professional understanding with your lawyer. When you are comfortable with them, you can only work together for your case like a team.
Hiring a lawyer isn’t only about appointing someone who can represent you in court. You have to hire someone who knows the intensity and value of your case. Just like how one doctor cannot deal with all diseases, similarly, a lawyer can not handle all kinds of subjects. Personal injury lawyers with optimum training know the intricacy of these cases. Thus, you should always select your representative by confirming their expertise in the field. This way, you can ensure that you get the maximum benefit from your attorney. With an expert personal injury lawyer, you get proper representation in the court and legal activities.
THINGS TO AVOID WHILE HIRING AN ATTORNEY
One of the biggest mistakes that people make is to hire a lawyer with no experience. Sometimes due to lack of time or money, clients make rash decisions. It seems to them that lawyers’ expertise does not matter. But if they make any unwise decision during the hiring, it can result in the loss of their case. Thus, rule number one of any legal activity is to hire a professional attorney with adequate work experience in the designated field.
Hiring a lawyer without discussing the payment details is a significant mishap. In cases of personal injury, the court usually compensates for your loss. But, if you hire someone with a hefty fee, you can cause more damage than good. Therefore, it is always smart to discuss cost and payment details during the hiring. If you don’t do it, then you may face the consequences later.
Another common mistake that clients make is hiring someone they don’t find trustworthy. Sometimes, people get blindsided by reviews and ratings of lawyers. And this results in the rushed hiring of incompetent attorneys. As the name suggests, personal lawyers are very close to their clients. But if you hire someone you don’t trust, it can lead to a disaster for your case. Just because someone has an excellent reputation, it does not mean they are perfect for your case. Thus, do not hurry in hiring your attorney. If you don’t trust someone, you are not obliged to hire them no matter what their experience suggests.
Because accidental injuries are sudden and spontaneous, clients have no preparation for the court activity. So when people have to hire a lawyer for the process, they often face a money problem. To avoid it, clients select an attorney on a budget without paying attention to their work quality. Because of this, they encounter disappointment in the court later. Therefore, it is a bad idea to compromise quality for the sake of money-saving. But if you spend a decent amount on a competent personal lawyer, you save yourself from later embarrassment.
FINAL WORDS
Legal work can be tiring and frustrating. On top of that, hiring a lawyer and trusting him with your case is like a gamble. Careful assessment of clients in the hiring process helps to avoid any mishaps later. When you choose a good lawyer, he takes away half of your burden. So if you are looking for a personal injury lawyer, the points discussed above will help you in the hiring process. Just remember, if you take your time choosing your lawyer, you will save a lot of time, money, and energy. On the contrary, hurrying this process will result in future embarrassment.
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How To Promote Teamwork In The Workplace
December 28th, 2020Teamwork is essential to improving productivity in the workplace – there is only so much your employees can do while working by themselves, and they work in synergy when grouped together. Working in groups creates a lot more efficiency and productivity rather than working in isolation. However, since rewards and compensation in an organization are generally based on an individual’s performance rather than a team’s, we often find individuals focusing on their own tasks rather than thinking of the entire team. Managers need to ensure that their employees think of themselves as a unit, rather than individual pieces of a formation.
Managers often simply ask their employees to focus on teamwork and team performance, but merely asking isn’t enough. Managers should make conscious efforts to ensure that all their employees, especially newly employed ones, feel and work like a team. Listed below are 5 things that managers can do to promote teamwork in their workplace:
If managers want their team to act a certain way, they need to step-in, lead, and set an example for others to learn from. Managers need to build a teamwork flourishing attitude within themselves to promote teamwork within their office. They should involve their employees and take their opinions while making decisions in the workplace and for the business’ future. By seeing you, your employees will subconsciously promote teamwork within the office and hence achieve efficient in their work systems and workplace.
In order to promote teamwork, managers need to set-up activities and exercises around the office that promote teamwork. This can be done by engaging your employees in problem solving activities, setting up team based treasure hunts or presenting challenges and issues that are to be addressed by them in a collective manner. In order to promote teamwork, managers need to set up activities and exercises around the office that promote teamwork. This can be done by engaging your employees in problem-solving activities, setting up team-based treasure hunts, or presenting challenges and issues that are to be addressed by them in a collective manner. They could schedule personality tests as a bit of light-hearted fun, and try to see who in the company has the rarest enneagram type. It might have the bonus of giving team members insight into the thought processes of their colleagues, helping with smoother communication. Additionally, managers need to set up training that can allow employees to engage in teamwork. Communication is a very big concern in teams as reaching out to multiple employees simultaneously can be a hindrance. Simple activities, such as learning how to create a group in Gmail, can be really helpful.
Instead of focusing on individual rewards, managers should focus on team based rewards. This allows individuals with a reward oriented mindset to give their most in team activities. A reward scheme that calls for participation allows every team member to do his/her best, and allows other to help a weak member as well. However, a concern managers may need to address here would be of free riders claiming rewards without having done much work.
While a certain amount of conflict within the team is favorable in promoting teamwork, an excessive amount can be unhealthy and promote discourse within the team. Hence, if managers foresee or witness a possible instance of team conflict, they should mediate and try to resolve issues between team members. By doing so, they can prevent any divisions in the team, and create an overall team environment that is harmonious and productive. However, any small misunderstandings should be solved by the team members themselves, and managers ought to teach employees how to address a conflict in team building exercises.
In order to truly improve teamwork in an organization, managers should encourage and arrange outings with their employees. Not only does this allow employees to get to know each other better in a different context and setting, it also allows them to bond over other things. This bonding further allows them to collaborate over their work and help each other in their office environment. These outings may include going out for happy hours, participating in a marathon, hiking together, office lunches, etc.
In conclusion, while managers may wish to have a workplace culture that promotes teamwork, it might always be as easy. However, if managers are willing to set an example, and make an effort by making a few changes and addressing certain issues, they are sure to promote a culture of teamwork in their employees. Teamwork can be very beneficial to promote productivity in the workplace, and hence is essential for all workplaces and businesses.
While managers have an array of methodologies to pursue in order to promote teamwork in their workplace, the above listed five measures are some of the most popular and proven ways to do so. Not only would they strengthen teamwork within your workplaces, they would also increase the overall productivity of your employees.
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Automating Your Ecommerce Business
December 24th, 2020Automating Your Ecommerce Business
How Your Can Grow Exponentially and Increase Your Exit Value
Gone are the days of buying a product off Alibaba, slapping a logo on it and profiting. Modern ecommerce requires a full ecosystem that enables brands to connect with their customers on multiple platforms, manage inventory while selling through three or more channels and developing quality products, effectively communicate with their customers and track sales information.
While small businesses tasks can be handled by a hungry entrepreneur, as that business scales the owner needs to find ways to automate and outsource various operational tasks or they will soon find themselves selling products that are out of stock, forgetting to fulfill orders, spending too much on marketing and not being able to break away from the computer.
In addition to helping you scale more rapidly and get your life back, for the entrepreneurs that are looking to ultimately sell their business, successful automation in the business is one of a handful of factors that serious buyers such as private equity companies and search funds look for. When determining what valuation multiple to pay for a business, these companies look at how replicable the current operating procedures are and how capable the business is of further growth. Utilizing exceptional software and well trained employees to run your business in a more passive fashion will prove to be an investment that pays for itself many times over.
Growing Pains For Thriving Ecommerce Brands
The first hurdle for aspiring ecommerce brands is to figure out what products to sell, source those products and get them in the hands of the consumers. Once the product market fit has been found and you are able to scale your business up, the next growing pain is how to automate the marketing process for your business.
Automating the marketing process
Automating the marketing process could mean many different things. It could mean finding a freelancer to develop great images, a great offer and to create social media ads to put the offer in front of the right people. For email marketing, the process can be streamlined with great automation software such as Jilt.
Whenever there is an option to do so, it is recommended to automate your business tasks with software. Not only are saas solutions much more reliable than freelancers, they take less of your time and can scale with you as you grow.
Managing Inventory and Fulfillment
Cloud based inventory management may sound like a large step if you are still a small e-retailer. However, it is a jump that you will likely have to make at some point.
If you are a stocking dealer with 100+ SKUs, It is advisable to move to a cloud based inventory management system as soon as you can afford to do so. Not only will this save you heaps of time by not manually tracking your inventory which requires checking and double checking; you’ll also be able to reorder products in more accurate quantities by tracking what is selling and what is not.
For brick and mortar retailers that have turned to e-commerce to survive the pandemic, you may be realizing that you are able to scale your business online. This may mean closing your brick and mortar facility all together and hiring a 3pl to store and fulfill your products.
Many of these retailers may elect to sell through Amazon FBA. Although it is difficult to build a brand on Amazon, they remain a strong solution for retailers who are looking to outsource their ecommerce fulfillment and acquire customers online.
Other Common Bottle Necks to Ecommerce Growth
Some more tasks that cause digital entrepreneurs headaches are: Charging the appropriate amount of sales tax, creating and managing membership sites, integrating with shipping software and accurately tracking your traffic, sales and customer value.
While Shopify has been a popular platform due to its ease of use, WordPress is still the content management system of choice for many entrepreneurs who need a greater degree of customization and don’t want to pay the high ticket price the Shopify demands for both their apps, payment processing and CMS.
For merchants that utilize Woocommerce, there are hundreds of third party plugins and extensions available to help you streamline your operations and solve many of the above mentioned problems for a low upfront cost.
Hiring and Training Great Employees
No matter how much we would like to automate all of the business management tasks, there is inevitable some part of the business that demands human interaction. In order to streamline your business so that it runs smoothly even without you being present, it is paramount that you find capable employees or contractors, train them on what you expect and set expectations for them.
Job boards such as Indeed can be valuable as well as freelancer marketplaces such as Upwork. Once you find capable operators for your business, try to document as much of their responsibilities as possible. Not only will this help you to replace them in the event they don’t meet your expectations, it will also help a buyer get comfortable with how your business is run and pay a higher price for your business.
How To Make Your Ecommerce Business More Valuable
Business valuation is very subjective. There are some attributes that are highly sought after by some investors while avoided by others. However; there are some business attributes that all investors like. We’ll outline each of those attributes here:
It may sound counterintuitive, but the less you work in your business, the more you’ll be able to sell it for.
About the Author:
Mark Woodbury is a serial entrepreneur who has focused his career primarily on financing, buying and selling small to mid-market digital businesses. As managing member of Minerva Equity, Mark invests in and acquires businesses in Southern California with $1M to $5M in EBITDA. In addition, Mark represents sellers of digitally native businesses and direct to consumer brands with Upward Exits.
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CHOOSING THE RIGHT WOODWORKING EQUIPMENT
December 24th, 2020Woodworking can be described as the skill of crafting ideas and objects from wood. It’s a hobby a select few enjoy. Even fewer ever consider turning it into a career and making a living out of it.
Undoubtedly, it is a rare skill but there is much more to woodworking than simply making carvings or furniture from wood. A skilled and talented woodworker possesses the ability to understand blueprints or other people’s creative vision, the preparing and setting up of machines but most importantly selecting the correct tools and equipment for a task. In this article we look at the basics of choosing woodworking equipment.
So how do you choose?
Choosing the correct tools will always be determined by the type of item to be crafted or the task to be completed and the type of wood that will be used. The categorization of woodworking tools will generally fall under electrically powered tools or manual handheld tools.
The “must have” tools for every woodworker will normally be a hammer which is used for either hammering nails into wood or can be used to knock the back of a chisel. A square that is predominantly used for achieving perfectly squared angles, hand and power saws that are utilized for cutting wood into desired sizes. Other tools would include a power drill that helps in quick and efficient connecting of woods with screws, a tape measure and a file that is used for smoothing rough edges on wood. These are just a few of the variety of tools available to choose from, but these are the tools usually considered to be the most important.
How do you determine which tools to choose?
How does someone choose or know which is the correct tool or item of equipment that will be needed for a particular carving or carpentry task to be done? This obviously will be largely determined based on the size and scope of the task to be done.
A simple example would be the crafting of a small wooden table. The tools required for such a task will be any type of saw capable of cutting wood, a power drill, wood or lumber, screws, sandpaper and even paint depending on whether you would want your table to have a specific aesthetic appearance.
Another but more sophisticated example would be in carving an image from a piece of wood, this though would require someone to have talent and a lot of experience. Making a carving from a log would normally require a pencil to draw a rough sketch onto the wood to be carved to start. A hammer and a chisel will normally be the tools to be used for such a task plus tools used for refining and finishing. However, such examples omit the usage of more advanced tools and equipment that are used in woodworking on a day to day basis.
On an industrial scale woodworking will utilize larger and more intricate tools and equipment. Decisions on what to purchase for commercial use should be made by someone who possesses the necessary experience and understanding of woodworking. Instead of running from pillar to post, you could also ask a qualified professional for assistance.
Woodworking as a business
Woodworking has become more than simply a trade or hobby. Woodworking has also become an embedded part of remodeling companies and custom furniture businesses. Due to the scarcity of expertise, these businesses have proven over the years to be quite popular and lucrative. This business model for remodeling businesses is essentially the improvement and renovation to kitchens, bathrooms, bedrooms or even making additions to homes. This format is perfect for individuals involved in woodworking. However, many alternatives do exist in regard to making a decent livelihood from woodworking. From the writing of books, blogs and manual instructions to creating courses pertaining to woodworking the opportunities for individuals involved in this particular skill are numerous.
Woodworking is a great skill but safety is a major concern. There is a high risk of getting injured or hurt if safety guidelines are not adhered to adequately. Acquiring experience with the tools and fundamentals of woodworking will help ensure your safety and make woodworking all the more pleasurable to do. Woodworking brings out the creativity, logic and dexterity that is seldom experienced in any other form of artistry or labour. Having the right tools and safety equipment will ensure that you avoid frustration and delight in the finished product sooner.
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How to Enjoy Online Gambling Without Overspending
December 23rd, 2020People from around the world love to gamble, and the emergence of cheap internet access and high-performance smartphones and tablets have made online gambling one of the most convenient ways to tangle with Lady Luck.
Gambling can be an entertaining and harmless activity as long as you have things under control. Guest author Lucas Goldberg shares three key tips that will help us keep our gambling activities in check and not go overboard with spending. To find out more about Lucas Goldberg, click here.
Anti-gambling zealots have often claimed that gambling is a destructive activity that is social evil. The problem with this generalization is that the majority of players have no problem with gambling, it is just a small percentage that overspend.
The key is to educate players about how they can set certain rules in place to ensure that they don’t step over the line and succumb to problem gambling addiction. Here are three tips to keep you protected while gambling online
Be Honest with Yourself: Can You Control Your Gambling?
The first thing you need to do is be honest with yourself before deciding to gamble online. You must be honest about whether you can or cannot manage your online gambling budget.
If you fear that you might be vulnerable to problem gambling, we suggest you stay away from online gambling altogether.
This is because the cliché prevention is better than cure is very true when it comes to any form of gambling. Avoiding gambling is much safer for those who are susceptible to problem gambling compared to trying to treat problem gambling once it is manifested.
The problem with this is that most people have no idea if they have a problem with gambling. It is only when you start playing real money games do you expose yourself to learning more about your gambling-related tendencies.
People with addictive personalities, in particular, can be susceptible to problem gambling. This is when you keep gambling despite it no longer being fun. For such people, gambling becomes a compulsion that they cannot stop, despite losing money, friends, and their health along the way.
The best way is to set controls on your gambling habit. This includes setting time limits and spending limits on your online casino play.
Be Proactive About Your Gambling Limits
We recommend a proactive approach to online gambling. Since you do not know for sure if you are someone who is vulnerable to problem gambling, it is best that you play at an online casino that has a strong responsible gambling policy and tools in place to help you set necessary protections on your account. You must learn how to set up a budget.
Most legitimate online casinos have easy ways to set up account limits that place restrictions on your deposits, withdrawals, playing times, bet amounts, daily losses, and more. It is best you choose an online casino with strong responsible gambling policies as it will give you the freedom to tailor your account to your needs.
If it turns out that you are not vulnerable, then you can slowly taper off the restrictions on your gambling account. If it turns out you are vulnerable, then you can rest easy knowing that your limits will prevent you from going too far into the deep end.
Manage Your Online Bankroll
Now that you are gambling online with strict limits placed on your account, it is now up to you to ensure that the limits are appropriate given your lifestyle. The importance of managing your budget at an online casino can hardly be overstated.
Canadian players can protect themselves by learning how to set a gambling budget and also by playing at 5$ deposit casino. The question of how to set up a balanced budget can be answered in dozens of ways. Here is a general rubric that you can tinker with to fit your specific needs.
Use a separate account dedicated to your gambling funds and do not allow funds from this account to mix with the accounts for your daily expenses.
Decide how much you can spend per month on gambling and stick to that budget by using only the funds in your gambling account.
If you are unsure about your ability to not dip into your non-gambling accounts to top up your casino account budget in the middle of the month, consider letting a trusted friend or loved one hold those funds to help you avoid such rash decisions.
Conclusion
Make sure you set a daily or a weekly budget for your online casino spend and stick with it. If you find it hard to stick to your budget, make use of the online casino self-exclusion tools or talk to a family member and get the help you need. Don’t be embarrassed to do so!
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[INFOGRAPHIC] The Past, Present, and Future of Gig Economy
December 23rd, 2020Introduction
Gig workers share a lot of attributes with contract workers and freelancers. However, the only significant factor that differentiates between the two is that a gig worker tends to be more single and short term task-focused. Thus, the gig economy is the conjunction of various organizations hiring workers to attain one common goal i.e. complete a gig.
Although the gig economy may sound new to most people, the concept was introduced way back in the 90s. Initially started by jazz musicians when they started referring to their performances as ‘gig’, the gig economy has taken a huge leap since. Late in the 90s, a small number of Americans started working as contractors or on-demand workers that gave birth to companies like Craigslist and Upwork.
Fast forward ten years and we are looking at an industry that is going to surpass the number of conventional workers by the year 2021 with companies like Airbnb and Uber being the giants of the gig economy. A wide range of organizations are contributing to the success of the gig economy by providing financial support to gig workers.
While we only scratched the surface, to learn more about the history and future of the gig economy, refer to the visual below to know more about the Past, Present and Future of the Gig Economy (originally published at Gigworker).
(click on the image bellow to enlarge it)
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What Is a PIP Settlement?
December 22nd, 2020In no-fault states, you are required by law to purchase personal protection injury protection insurance (PIP) that will cover some or all of your damages if you’re in an accident, even if the other driver was at fault. The damages your settlement will cover include medical bills and lost wages. When your coverage isn’t enough, you’ll need to file a lawsuit.
Most no-fault states will have a minimum amount of damages you must reach before you are permitted to file a lawsuit. The states that require PIP coverage do so because they are trying to keep their court system from getting backlogged with lawsuits for minor injuries. When minor damages are covered, this makes cases that involve major injuries or deaths quicker and easier to process.
One of the biggest benefits of personal injury protection is that you will not have to wait for a settlement from the at-fault party’s insurer before you can begin seeking treatment. Your PIP coverage will provide you with a settlement must faster, and you can use these funds to cover your medical bills and the salary you missed while you were too injured to work.
Which States Require PIP Coverage?
If you live in one of these no-fault states, you will be required to have PIP coverage:
Some states will have maximum limits of how much PIP coverage you’ll need to have while others do not. It’s in your best interest to carry as much coverage as you can afford because it may allow you to skip the expenses involved in a lawsuit later.
In some states, you may have what is called a two part medical bill limit. This means if you have health insurance you will use that to pay your medical bills first with PIP covering the rest.
How Does a PIP Claim Work?
The following example is a general overview of how a PIP claim works. The laws and PIP limits in your state may differ from this example, but this will give you an idea of what to expect from the process.
In this hypothetical car accident, you were hit by another driver who was texting while driving. After a trip to the emergency room, you are left with a $10,000 bill, and you miss a week of work, losing $2,000 in salary in the process. You do not have health insurance, and your state’s PIP limit for those without health insurance is $3,000. Your state’s PIP limit for lost wages is $1,000.
In your state, you must have $5,000 in damages before you can file a lawsuit, so you meet the threshold. Your damages are $9,000 more than the PIP limit, so you decide to get a lawyer. The at-fault driver’s insurance settles with you for the full value of your $12,000 in damages. You reimburse your PIP carrier for the $4,000 they covered, pay your lawyer’s fees, and the rest is yours.
Do I Have to Pay PIP Back Out of My Settlement?
PIP reimbursement may be required. This isn’t always the case, but most of the time reimbursement will be required. In fact, a significant chunk of your settlement or award may go right back to your insurance company. You’ll want to check the details of your contract to see if your insurer is entitled to be reimbursed if the other party is at-fault in your case.
Some states have laws that require insurers to be reimbursed after a successful claim. This is to prevent people from being paid twice for the same damages. It helps protect insurance companies as well. Insurers make their profits by taking a chance and hoping an accident doesn’t happen. If you get paid twice and they don’t get paid at all, this gamble won’t pay off.
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Hargrave Ministries Explains Why the Haifa Home for Holocaust Survivors is So Important
December 21st, 2020The Holocaust was arguably the worst humanitarian crisis of the twentieth century. During the Holocaust, Adolf Hitler ordered that all Jewish people in Germany and in their occupied territories should be captured, imprisoned, and in many cases, killed for their beliefs. While some deluded people doubt that the Holocaust happened, its indelible effect on world history cannot be denied.
As of 2020, there are approximately 400,000 Holocaust survivors still living in the world. 193,800 of these people live in Israel. These elders are worthy of society’s respect and support.
Today, the Holocaust survivors that are still living have reached an advanced age. Many are scarred by the events of their youth, and they have experienced mental and physical effects from their imprisonment that have lasted throughout their lives. They lost friends and family members to the Holocaust, and their experiences have changed them.
Holocaust survivors are often impoverished or struggling with illness. Many more live alone and are isolated from the community. Helping these survivors with their pain and supporting them physically and financially is crucially important in today’s society. There are many ways in which the community of Holocaust survivors needs everyone’s support.
The Work of ICEJ
Fortunately, there is a network of charitable organizations that provides support for these honored elders. One of the primary providers of help for Holocaust survivors is ICEJ, or the International Christian Embassy of Jerusalem. In the spirit of kindness and religious understanding, ICEJ provides a wide variety of services to its clients.
One of ICEJ’s most popular programs is the Haifa Home for Holocaust Survivors. The Haifa Home was founded in 2009, offering assisted living in a warm and friendly family environment. While there were other programs for Holocaust survivors, the Haifa Home was unique in that it provided housing.
In its early days, the Home was merely a place for Holocaust survivors to live, but as the years have gone by, more services have been added to support their residents and the surrounding community. The Haifa Home has put on services, activities, and celebrations for its residents and local Holocaust survivors who are living independently or with their families.
Hargrave Ministries
One of many supporters of the Haifa Home is Hargrave Ministries. Based in California, this ministry is spearheaded by Gary Hargrave. Hargrave believes in the importance of unifying Jewish and Christian people based on their shared religious background. Hargrave Ministries supports charities like the Haifa Home and leads tours of the Holy Land for interested Christians from the United States and other countries around the world.
Hargrave Ministries believes that a spirit of cooperation between Jews and Christians can help with many of the social problems that plague Israel in the twenty-first century, including widespread poverty in certain areas.
Gary Hargrave holds Biblical teachings to be the core of the Christian experience. Through sharing Biblical teachings, he hopes to bring modern Christians back to their roots. In addition, Hargrave believes that Christians need to explore their connection to the Holy Land in order to come to a full understanding of their religion.
Hargrave has ministered for decades, and he has worked closely with important leaders in the Protestant, Catholic, and Jewish communities. The major tenet of his beliefs is that spiritual maturity can bring on unity between religions.
Gary Hargrave records a popular weekly podcast called Growing in God. This podcast covers a broad variety of topics, including the importance of five key revelations that every believer should understand. The podcast strives to give believers the tools to expand their own religious knowledge as well as teaching them important lessons about Christianity.
One of the most important is understanding the Jewish roots of the Christian religion. Hargrave Ministries believes that there should not be religious tension between Jews and Christians due to their shared origins. Christians need to support Jewish causes like the Haifa House as a way of showing that they care.
Hargrave Ministries gives financial support to the Haifa Home for Holocaust Survivors through ICEJ.
Giving to the Haifa Home
The Haifa Home provides vital services to Holocaust survivors in Israel. These people have been through extremely difficult situations in their lives, and their resilience should be celebrated. Elders deserve our respect and care, and they are important members of the community.
Consider donating to Hargrave Ministries to support the Haifa Home. The work of the Haifa Home continues to help elders through the difficulties of poverty and isolation. In the Home, residents are nurtured not only physically but also spiritually.
Residents are able to take part in many enriching activities, and they are able to connect with the community as a whole. The Haifa Home is a beacon of hope for the Holocaust survivors in Israel and around the world.
100% of every dollar you give to this project will go directly to the Haifa Home. Please be generous with your time and with your money and help this project reach more Holocaust survivors and their families living in Israel.
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8 Most Popular Online Cards Games
December 21st, 2020With the development of the Internet and high technologies, a fairly large number of virtual gambling platforms have appeared on the Global Web. Online card games are in high demand, although compared to online slots they are less entertained. Nevertheless, these types of entertainment have their fans. Let’s consider the most popular types of card games in modern online casinos:
BlackJack.
Considering all card games, then one of the most popular and recognizable games on international casino sites is blackjack. This entertainment is featured in many films, there is a lot of information and guidance for players, strategies, etc. All this makes the game even more attractive. All in all, it’s just a very addicting game.
Blackjack is offered in all casinos that have a card section, so there will be no problems with the search.
Sonya Blackjack.
One of the most significant innovations in the world of card games, oddly enough, was introduced by the developer of slots. With the release of Sonya Blackjack, Yggdrasil has revolutionized the concept of what casino card games can be.
Instead of an empty table and just moving cards, the developer put the animation dealer Sonya at the table. She accepts bets, deals cards, and fully performs all the functions of a dealer. Everything turned out very attractive and interesting!
Baccarat.
This is another popular card game that is available at most casinos. She, of course, is not as famous as blackjack, but she also has a lot of fans. It is very simple to play it, the players only need to decide the size of the bet and who to bet on: the bank, the player, or the draw. Everything else happens automatically – whether additional cards will be dealt, stop the game.
Classic video poker.
This game also became popular during the 2020 lockdown. Here the player needs to collect the best poker hand of five cards. There are a huge number of varieties of this card game. Some even have wild symbols. Therefore, the rules can vary considerably. Unlike regular poker, players don’t have to compete against other players. Win or lose – only chance and your luck determine. Your winnings are the expense of the casino, and your losses are their income.
Pai Gow Poker.
A game that is gaining popularity in online casinos every year. Differs in relative complexity. At the start, the dealer and the player are dealt seven cards face down. The player’s task is to divide the seven cards into two groups: five (top) and two (bottom) cards in each group. The dealer will do the same. Then the resulting combinations (lower and upper) will be compared.
Caribbean Stud Poker.
A game similar to blackjack, only at the start, five cards are dealt to the player and to the dealer, and one of the dealer’s cards is face down. This gives the player additional information to keep playing or fold. If he chooses to pass, he will lose the ante – a mandatory bet at the beginning of each round. If he agrees to continue, then the cards are revealed and compared. The strength of the combinations is the same as in the original poker.
High-low split.
This is a series of poker games with the ability to create two variations of the “best hand”, both high (high) and low (low).
Rummy.
This is a great alternative to poker. The principle of the game is to make different combinations by drawing new cards and discarding the ones already in hand. The main goal is to be the first to get rid of the cards that you have in your hand. The winner is the one with the most points. Winnings are paid according to the table and will depend on the selected game option.
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Online casino searches hits a record high during the pandemic
December 21st, 2020Google has shared its analysis of search queries during lockdown and quarantine. Judging by their data, people are less likely to look for something related to work and are more looking for something to see and how to entertain themselves at home.
The number of requests “stay at home” grew in the second half of March, but after that people sorted it out and rebuilt life online, sorted out most of the everyday and work issues, and also switched to food delivery.
Impact of COVID-19 on Online Gambling.
In the UK, the percentage of gamblers continues to decline during the lockdown. At the same time, the popularity of online casinos among the British is growing.
The total number of bets has doubled, but the average bet size has decreased. According to experts, the main reason for the growth in the audience of online casinos is the finding of people on self-isolation and the associated sharp increase in the popularity of interactive entertainment. The closure of gambling zones and land-based establishments is also important. Finally, the total number of gamblers has been supplemented by clients of bookmakers, where the number of bets has sharply decreased due to the cancellation of most sports events.
Many experts argue that the availability of online gambling against the background of a protracted lockdown can lead to disastrous consequences. Already, many British citizens cannot cope with their desire to gamble for their last money, because sites such as Cherry Jackpot casino have become a real outlet for them during the period of isolation. Some people have already exhausted all their financial resources and were forced to resort to the help of credit companies to make another bet.
However, the UK government has taken a number of timely measures to limit the development of gambling addiction among its citizens. All online casinos in the UK must register with Gamstop. This online service enables all British gamblers to self-exclude themselves from online gambling sites.
What else are the British looking for on the Internet?
As expected, the popularity of requests related to travel and movement around the city has sharply decreased, while searching the Internet for anything about sports and hobbies has become much more frequent.
Since March, the number of inquiries about the London Underground layout and the tying of a tie has dropped several times. The popularity of requests for the purchase of suitcases, travel services (Airbnb, BlaBlaCar), children’s sections, studying at driving schools, and obtaining a second higher education also decreased. On the contrary, UK residents began to search the network more often for information about remote services, grocery deliveries, and online concerts.
We should be glad that there is still interest in reading, but interest in Minecraft and Xbox has fallen. People are more likely to think about buying exercise bikes and bread makers and less about iPhones and travel suitcases.
Due to the inability to go out, there are more requests and ways to do sports at home – for example, the popularity of the requests “buy an exercise bike”, “dumbbells” and “how to do push-ups” has grown. At the same time, as expected, users have become less interested in sports that involve leaving the house – “bench press” and “pool cap” have become less popular.
The sad-looking query “when will all this end” became very popular – users asked a lot about this in March and early April, but closer to winter the number of such search queries began to decrease.
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Five Life-Changing Benefits of Getting your Treatment in Rehab Centers
December 20th, 2020Addiction is something that is not so easy to overcome. Anyone who once suffered from it will confirm that it demands hard work and a strong support to get the desired results.
Once meeting this challenge you should find the right motivation to get your successful recovery. With a proper approach you will manage to rebuild your life and bring back your productive and normal routine.
Identifying your own addiction and trying to make your first steps to overcome it is one of the most important things. Trying to do it alone will not be easy, as you will need a helping hand who will become your motivator.
There are many professional rehab centers that have strong experience in helping thousands of people to win that battle. Getting your effective treatment in one of such centers has its many benefits. Let’s look at some five important benefits that you should consider:
Getting your needed support in a good addiction treatment center will keep you away from any type of discomfort. One of the best providers is UKAT, which will offer you luxurious rehabs with en-suite rooms, gyms and on-site medical nursing units to low-cost clinics.
With it, you can feel confident, as it promises profession high level care and support. Strategically placed in the best environment, you manage to double the effectiveness of your results and enjoy the process.
For many people it is hard to look directly at their problems. Among the important advantages of such centers is that you feel confident enough to accept that you have an addiction and take the needed actions to stop it.
Once you start to think more clearly and face your problems, you manage to easily set up goals for you and reach them. These, later, can become a great opportunity for you in building your future plans.
Once you start your treatment in an addiction center, you put a certain aim for you. With a supportive approach of the center’s professional staff you get the needed tools to achieve it and step by step get your desired result. Starting your rehabilitation program alone will not give the desired results as lack of a professional approach sometimes brings a relapse and disappointment.
Almost all centers give a great importance to a healthy lifestyle and routine. After a poor discipline and self-care, this healthy lifestyle can really make a significant change in your life. Besides breaking an addiction, you will manage to better your stress levels, improve your physical and mental health and reduce stress. By improving your physical and emotional well-being you can get your treatment positive results faster.
Rebuilding a life damaged by an addiction can be very stressful and sometimes people need support in different times of the day. Providing with this support is a top priority for the centers and with it you will manage to bring your treatment to a more successful level. With 24/7 support none of the persons who have addiction are overlooked. This support promises faster and more effective results.
Conclusion
No matter how difficult your condition is, never hesitate to ask for help as your bright future is in your hands. You should be strong enough to start your effective journey to improve your current life and think about your great future.
It is important not to let the addiction take your belief in you and start your treatment as soon as possible. Life is full of challenges and look at it as one these challenges that can be easily overcome.
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Importance of regulations in forex
December 20th, 2020The foreign exchange market is by far the largest financial market in the world. In an increasingly globalized economy, the forex market’s importance to the average consumer cannot be underestimated.
Forex trading has traditionally been the exclusive domain of big banks and corporations, but recent trends have dispelled this notion. With the arrival of individual investors, regulation of foreign exchange transactions becomes essential.
Unbridled speculation market requires regulations
Transactions in the forex market can be classified into two types – commercial and speculative. A business transaction is supported by an underlying economic activity such as paying for an import or a loan to an entity abroad. A speculative trade takes place solely to profit from fluctuations in the price of currencies.
Speculative transactions far exceed commercial transactions in the area of forex. Therefore, they represent a larger share of forex trading volumes. The volume of foreign exchange transactions in the 1970s was only about six times the value of world trade in goods and services. But today, the daily forex trading volume amounts to $ 5 trillion.
The study also found that the increase in forex trading activity is largely due to “other financial institutions”. This is a broad category that includes small banks, institutional investors, corporations, insurance companies, central banks and retail investors. The two groups driving growth in this category are High-Frequency Trading (HFT) and retail investor online trading, respectively, accounted for 25% and 8-10% of the 1.5 trillion forex spot market.
The Importance of retail Forex regulation
Regulation in the forex market was virtually non-existent a decade ago. Still, retail investors’ rapid growth of forex trading has led to increased oversight and regulation. Regulatory bodies such as CFTC the Commodity Futures Trading Commission are in charge. Under the Commodity Exchange Act, the CFTC has jurisdiction over leveraged forex trading offered to retail clients in the United States. The Act only allows regulated entities to act as counterparties for foreign exchange transactions with retail clients. It requires all online currency traders to meet the strict financial standards enforced by the National Futures Association. (NFA).
For a retail forex trader, the greatest risk unregulated forex brokers the illegal activity or outright fraud. Fraudulent activity includes excessive commissions generated by churning accounts receivable, lobbying salespeople, Ponzi schemes and misrepresentation. With nearly 26,000 people in the United States who lost 460 million dollars to scams between 2007 and 2017, the increasing incidence of forex fraud led the CFTC to establish a special task force in 2008 to deal with this problem.
Strict rules introduced in the United States in 2010 to protect retail forex traders have succeeded in eradicating fraud to a large extent. In Japan, the world’s most active retail foreign exchange market, the Financial Services Authority (FSA) regulates all markets.
The FSA is pro-active in regulating retail forex trading. For instance, it decreased the maximum leverage available to retail forex traders to 25: 1 in 2011, after having reduced it to 50: 1 a year earlier. In the UK and mainland, Europe regulation is limited, and there are few limits on leverage.
The regulation of the retail foreign exchange market is just the tip of the iceberg. What about the issue of non-regulation of the gigantic institutional forex market?
Regulations also mandatory for institutional investors
The institutional forex market must also be regulated for several reasons, including:
The higher cost of hedging: The increase in currency volatility caused by excessive speculation leads to higher costs for companies and other traders to hedge currency risk.
Systemic Importance of Big Banks: Forex trading losses of companies and financial institutions are not predominant in the list of top countries. However, the potential for billions of dollars to lose on bad trades exist. Also, a massive loss incurred by a major bank could affect the global economy due to its systemic importance.
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Why Black Mental Health Requires a Different Approach
December 19th, 2020Black lives matter. Recently, the United States has seen a rise in protests against racism and social injustices toward the Black community unlike any time since the Civil Right’s Movement. With the current political and social climate out there, clear evidences that Black and brown communities do not have the same resources and opportunities as white people are everywhere. It is critical that therapists consider the Black experience when helping Black people overcome mental health issues. While it may seem obvious, this is sadly often overlooked by well-intentioned mental health professionals, causing further mistrust of professionals by the Black community.
The fact is that people of color do not have the same advantages as white people in America. Systemic racism exists in spite of progress. For this reason, it is important to approach Black mental health with special care. To learn more about why Black mental health requires a different approach, or even how to advocate for yourself, read on.
Racial Trauma
Racial violence, discrimination, and police brutality are just a few issues unique to the Black community and why mental health care is so important toward overall racial justice. Current and recent events have made it clear that people of color suffer not only from stigma, stereotypes and blatant racism, but also the disparities that come with white privilege. That is, not only do Black Americans suffer from mental health issues like all people, but they have the added layer of long term trauma to contend with. Black men, for example, are constantly faced with white fragility and may need help navigating it in order to work through issues of racial inequality.
Racial trauma, as experienced by Black and brown people in America for all of history, can lead to Post Traumatic Stress Disorder (PTSD) and other serious mental health conditions. Couple that with the racial disparity evidenced in Black incarceration rates and the criminal justice system and it is clear that mental health treatment for Black people must include emphasis on not only the oppression faced, but also the resiliency it takes to maintain positive mental wellness in spite of a discriminating, racist system. It is important for therapists who see Black clients to keep this social lens in mind as they treat patients. So too, it’s important for Black Americans to advocate for themselves when choosing mental health providers.
Lack of Services or Resources
Accessibility issues have long been an issue for the Black community. The ability to get to and receive mental health treatments has been difficult for Black people for years. Whether it’s transportation issues, the lack of affordable mental health community services, or being underinsured, Black Americans have not been afforded the same access to mental health wellness programs as their white counterparts. Because of this, Black mental health on the whole has suffered.
While many mental health issues are treatable through natural support systems and community, others require professional and medical intervention. For example, a diagnosis like bipolar disorder would require proper medication, an ongoing relationship with a therapist and psychiatrist, and more. For a Black person with this common but serious diagnosis, the long-term consequences of lack of treatment due to inaccessibility could mean major damage to social, occupational and personal relationships alike and put them at an even greater disadvantage.
Another reason for a lack of mental health care in the Black community has been stigma and distrust of medical professionals. Historically, Black communities have steered clear of seeking mental health treatment due to an overall lack of trust in the system. This is another reason Black mental health therapy approaches should take into account meaningful cross-racial dialogues along with establishing therapeutic alliances. Trust may not come easy, but it will go a long way in helping with the mental health needs of the larger Black community.
Finding the Right Therapist
While it sounds daunting, the good news is that current events have therapists working harder than ever to help Black Americans find competent and trustworthy mental health resources and care. Finding the right mental health treatment is important for everyone. But for a Black person who has endured the pain of prejudice and inequality, it’s even more imperative that they are matched with a therapist who understands both racial issues and tensions.
If you are looking for a therapist, don’t be afraid to ask questions and advocate for yourself. A Black woman seeking therapy can ask that she is matched with a Black therapist who might better understand her life experiences. That is not to say a white woman would not be able to provide the same psychological treatments, but that the fit should feel best to you, the client.
There are therapists and agencies who are specifically trained to handle the struggles and challenges of diverse communities. While African Americans may struggle with issues not faced by white people, it is important to consider a therapist’s training background when seeking mental health services. Similar to the way you would research a peaceful vacation destination, you want to make sure you do your homework when it comes to picking a good match for you.
Consider the following: Does your therapist or that mental health organization participate in activism activities? Do they clearly state on their website or bio that they are trained in racial diversity? Does the psychiatrist you are considering work for a mental health support center or in private practice? Will they be able to identify with you?
Approaching Black Mental Health
Together, and with open communication, we can make change.
Advocating for yourself is the best way to locate a mental health therapist best for you. You will want to be clear with your mental health provider when you sense their level of cultural sensitivity or not. Ask questions, don’t be afraid to talk through racial differences, and try to understand that most therapists and mental health professionals got into the field hoping to help all people, not just those of the same race. It is not a sign of weakness to ask for help nor is it abnormal to grapple with your own trust issues and concerns about therapy and the process. Use your voice to make it clear to your therapist how things are going and always remember that they are working for you. If they are not a good match, ask for a referral to another therapist.
As a therapist, it is important to consider how your work will impact communities of color. If you don’t feel you can do this efficiently, consider taking workshops, continuing education classes, and seeking clinical supervision on ways to best support the Black community. Other mental health professionals will be able to help you improve your skills so you are in a better position to support social justice in your community and the larger culture too. This does not need to be hard. Before you take a trip to the liquor store, reach out to colleagues who are doing great work with fighting racism today and know there’s hope for you too. It’s in naming our biases and finding resources to best serve our clients that any health care provider or therapist has the best chance at making change in the world. No matter where you are now in your career, you can get there too.
While no one can change the racist systems of the past, we can together work toward a less racist culture in the present that provides Black, brown and all Americans equal access to mental health services pivotal to overall mental wellness. The best time to start is now with an open mind and honest approach.
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Shopping for New Tires? 4 Tips to Help You Bag a Bargain
December 18th, 2020For anyone that has ever shopped for new tires before, you know exactly how expensive they can be. That first time you buy a set of tires it can be rather shocking when they ring up the purchase. The thing to keep in mind is that tires last at least a few years, so once you breakdown the cost into a yearly amount it starts to feel a little less shocking.
With that said, there’s no reason to pay top dollar or even full price. If you’re shopping for new tires, there are tips you can use to help you find a bargain. Let’s take a look at what those tips are.
Shop During the Off-Season
You may have heard of shopping for clothing during the off-season to get a bargain, but did you know you can apply the same rule to tire shopping? Shopping end-of-season can help to get you a much better deal, but it will take more forward planning on your part. You’ll need to make it through the entire current season with your existing tires before you can replace them at the end of the season.
Take, for example, winter tires. If your tires are still okay for the current season, wait until the season wraps up, and then invest in tires for the upcoming winter.
Keep an Open Mind on Tire Brands and Makes
It’s also a good idea to keep an open-mind on brands and makes. Having a very specific make and model in mind means you may be missing out on other deals. Instead, ask to see things in that same category of quality, and then you can compare features and prices. It may just be that there is a comparable set of tires in another make that saves you tons of cash.
Always Comparison Shop
Just like you would with any big purchase, you want to be sure you’re comparison shopping. Often there will be small differences in prices from store to store, or shop to shop. So why not take advantage of the lower pricing?
Look for a Deal on Installation
Sometimes it’s not about the deal you can find on tires, but the deal on installation. Remember the sticker price is just for the tire; it doesn’t always include installation. This added fee can cause the price to go up quite a bit. Many tire shops, like Telle Tire, offer a special “total tire package” that includes a number of features so that you aren’t surprised by the cost at the end. You can inquire about any tire installation packages in advance, and pick one that fits your needs and budget.
Enjoy the Cost Savings
By using one or more of these tips, you’ll find that you are able to spot the bargain while shopping for tires and make sure you don’t end up over-paying for the tires themselves or installation. Just remember, tires are an investment in your safety, so they are worth putting the money into.
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How to make your next corporate webinar a success
December 18th, 2020In recent years, webinars have become an increasingly popular tool for companies to share information, hold training events or promote their products and services. There is now a huge range of interactive web-based tools developed specifically for webinars that your company can use to deliver its message – saving both you and your audience time, money and the inconvenience of travel.
Webinars have a far higher Return on Investment (ROI) than traditional conferences or presentations and are the best way to convey a message to a geographically-distanced audience. However, delivering a successful webinar requires significant patience and planning to achieve the best results. Read on for some tips on how you can make your next webinar a success. Try our best webinar software.
Know your topic
The very first step to creating an automated webinar is to know your topic. Your topic should obviously be related to the end offer that you’re going to make on the webinar, so for example, if you’re offering a course for business owners on how to write their own copy for their website then your webinar should be focused around this topic and deliver real value with at least one action step the people can take and implement after the webinar so that they get real value whether or not they decide to buy your course or not.
The key players in the production of a webinar
As a general rule, there are three main players in most webinars each with their own specific remits and responsibilities:
Organizer: The webinar organizer will be responsible for designing content, deciding on a location, working out filming requirements, finding skilled presenters, marketing the event, arranging online registrations and liaising with participants before, after and during the presentation. The organizer will also often introduce participants and give short opening and closing statements to the event.
Technical assistant: It’s vitally important that your presenter can concentrate all their attention on delivering the message of the webinar without having to worry about the potential technical issues of live streaming. An assistant will deal with any equipment problems or faults and can also help any viewers having difficulties, allowing the presenter to get on with their delivery.
Presenter(s): The presenter is the star of your show. He or she should be well-versed in the topic of your webinar and should also be confident at public speaking.
Decide on the format of your webinar
There are many different formats companies use when delivering a webinar and you’ll need to decide which is best for the message you’re trying to convey. Some of the more popular methods include:
Single speaker: As the name suggests, a presentation with only one speaker who also fields any audience comments or queries.
Interview: A presenter asks questions of a subject expert, similar to a TV interview show.
Discussion: A presenter tables discussion with a panel of experts, moderating comments and keeping the webinar on-subject.
Audience interactive: Can be a mix of any of the above but with the main focus being a presenter taking questions from the audience.
Plan the visuals and content
The best webinars are highly interactive and feature audio-visual content that complements the overall message. Most people opt to use traditional slide content but don’t be afraid to include animations or videos if you think they’ll work better at explaining what you’re trying to say. Also, you could think about using live captioning to ensure the greatest number of viewers understand your content. Captioning is essential for those with hearing problems but it can also be useful for augmenting your subject matter – or helping your audience understand speakers with strong dialects or accents.
Additional considerations
With the main content of your webinar now planned, you can move onto organizing the event itself. You will need to choose a location, create a basic agenda, reserve any required audio-visual equipment and choose how your audience will register for the event. You should also look to hold at least one practice session of your webinar to identify potential issues before going live.
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Night Rituals to Achieve Your Best Sleep
December 17th, 2020
If people want to perform their best at school and work, be in a good mood and be as healthy as possible, they need to be sure to get a good sleep. A lack of sleep can make life difficult, both for you and those around you.
While a lot of things can contribute to a good sleep, such as using best mattress, few things are as important as your nightly sleep ritual. This includes the things you do during the night and evening to prepare yourself for sleep. But what sorts of things should you be doing at night to ensure a decent sleep?
With that in mind, let’s go over a few night rituals you should take up in order to achieve your best sleep.
Make Sure Your Room is the Right Temperature
One of the first things you should be sure to add to your nightly ritual is turning down the heat in your home or room. If your room is too hot, falling asleep can be a nightmare. Even if you are able to fall asleep, there is a good chance you’ll wake up in a pool of your own sweat within the next few hours. In general, it is better for our sleep for the room to be a little on the cooler side.
In addition to this, you won’t be awake to enjoy the warm heat that your furnace is putting out. Now, you don’t want to sleep in a room that is subzero. But simply keeping your room cool and grabbing a blanket if you get chilly is much cheaper and more efficient than running your heat all night. While each person will have their specific temperature, around 65 degrees F is the recommended temperature for sleeping.
Find Ways to Relax
Another ritual you should make a part of your nightly sleep routine is to relax. Our days are full of a lot of stress and worries. This stress can have a major impact on your sleep. If you want to get your best sleep, you need to rid your body of stress before you attempt to sleep. If not, you could find it difficult to fall and stay asleep.
Thankfully, there are a number of different things you can try to relax at night before bed. This could be listening to soothing music, having a bubble bath, meditating, doing a little bit of yoga or reading your favorite book. The opportunities are endless and will depend on what you like to do for fun.
Limit the Use of Technology Before Bed
Another thing to be sure you do before bed is to limit your technology usage. Looking at bright screens with harmful blue light right before bed can make it hard for our bodies to adjust and get ready for sleep. This is because the bright light can interrupt your natural sleep and wake cycle.
If you need to use technology, be sure to turn the brightness down to minimize the effects. Thankfully, most pieces of technology have the ability to lower brightness, or even slightly change the hue of the screen, to make it easier on your eyes. Even still you should do your best to avoid technology of all kinds for at least an hour before you plan on sleeping.
Whether you decide to stay away from technology, turn down the heat or follow all of the nightly rituals we described, we hope they can help you get a better and more restful sleep.
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Most Common Types Of Personal Injury Cases You Need To Be Aware Of
December 16th, 2020Personal injury is a very vast field that includes multiple types of damages. There are various types of personal injury cases that many of us even do not know properly. For different types of personal injury cases, you need to seek a specific kind of lawyer specialized in adequately handling all these cases.
You need to be well aware that multiple forms of personal injury cases can lead to many problems in settling your claims in the right order. You cannot take things for granted. In Forbes study also, it is mentioned that most of the cases are from a personal injury in the last few years.
Different Types of Personal Injury Cases That You Must Be Aware Of
You must be aware of several types of personal injury cases while dealing with a personal injury lawyer. You must select the right kind of lawyer for your injury case.
1. Auto Accident Injury
If a person messed up in a car accident, not due to his fault, he can claim for the auto car’s insurance or the compensation from his end. Now only asking for payment does not mean that you will receive the amount as per your choice. You need to go through a proper legal procedure to get the job done on time.
Along with it, you must seek the assistance of an experienced lawyer who can help you out in this regard. If you seek the best Manhattan personal injury lawyer, you can quickly get the recovery amount as per your requirement.
2. Medical Malpractice
Medical malpractice is another common type of personal injury that most people are facing worldwide. It is another common type of injury that people often encounter once or more than once in their lifetime.
Medical malpractice happens to occur due to the doctor’s negligence or inappropriate treatment. These incidents happen when the doctors have taken the wrong steps for treating the patients, and you can claim compensation from the health organization with the help of a lawyer.
3. Product liability
Product liability is another most common form of personal injury that you can encounter during your lifetime. While a person who gets injured by using a defective product can claim compensation from the concerned company.
He/She is entitled to receive compensation if you are hurt while using the organization’s defective product. You need to follow a legal procedure for this to get compensation for your personal injury. You cannot stay away from the charges, and you are bound to pay them if proven guilty.
4. Slip & Fall Accidents
In the case of the slip and the fall accidents, if you are hurt badly, you are entitled to receive compensation for the personal injury due to the absence of proper care in the private and public places resulting in such a massacre.
Slip and fall accidents mostly depend on the environmental factors that you need to consider. While you are hiring a lawyer for these cases to fight the case in favor of you. You cannot take things for granted here. You must be proactive while facing such situations.
5. Wrongful death
Wrongful death is the most significant fact that you need to consider in your personal injury cases. Wrongful death occurs due to the negligence of the other person. In such a situation, you can claim compensation from the person who is involved in the same.
You need to make the right decision in this regard. You cannot take the situation for granted and must seek the right lawyer’s assistance to get quality assistance for this case.
Conclusion
Hence, these are some of the essential facts that you need to consider while you are dealing with the personal injury attorney. You must take the assistance of the right lawyer so that he can guide you to get the required compensation from your claim. You need to take things in the proper order to get justice at the end of the day.
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