Posts by Initia:

    Rookie Mistakes to Avoid When Playing Poker

    October 15th, 2021


    Playing poker as a beginner.

    As a beginner at poker there is still much to learn, and learning what things are a mistake comes with experience in the game. However, knowing what things are a mistake before you make them can give you the upper hand as you learn to play and gain more experience as a poker player. 

    You never stop learning about this game, whether you are playing Texas Hold ‘em online to practice as a rookie, or playing ten play draw poker for real money as a pro. 

    What are the most common mistakes? 

    There are many mistakes you may make as you learn the game, and that is normal. As you play, you will learn from these mistakes and better yourself as a player. Knowing what these mistakes are can give you a head start, and you can start learning more about the game faster. 

    So, what are the all-too-common rookie mistakes that are made the most in poker? Let’s take a look. 

    Don’t play too many hands! 

    One of the mistakes that most rookies will make as they start playing, is feeling obligated to play every hand. You might feel impatient, felt out, or be afraid of looking weak. Any Jack, Queen, King, or Ace will look good if you don’t understanding a good starting hand selection. 

    The issue with playing too many hands is that you will only hit the flop a small amount of the time, and even when you do hit, it will be hard to know if your hand is the best. Know how to play beyond the cards. If you play too many hands, your chips will be gone too soon.

    Getting too committed to a hand.

    Similar to the above, try not to get too attached to your hand. Beginners may feel like poker is a sport and giving up is bad. In poker, giving up can be the best choice, sometimes the best thing you can do is fold. Try not to get emotionally attached to a hand. This may be a pre-flop like a pocket pair, or just making a pair on the flop. Do not stay in a hand just because you do not ant to look weak or get bluffed out of a pot. Sometimes being competitive in poker is worse than abandoning a hand. 

    Do not chase. 

    Much like the above, you might stay in a hand in the hope that other cards can improve your hand. This could mean straight and flush draws, or calling bets in order to pair an ace or a second card for two pairs. It is not necessarily wrong, but the biggest mistake made by beginners here is chasing getting improper pot odds in order to do so. You might hit the cards you need, but only if you are chasing with the right odds, if you chase with the wrong odds, you will lose money. 

    Don’t give value to marginal hands. 

    As we learn poker, we also learn the types of hands that we can have, and which are best and strongest. What some rookies may do is play a hand that looks good on the surface level, but really does not hold all that much value, or could be easily dominated by another hand. In hold’em for example, this could include cards, or face cards with low cards such as K3, or Q4. This can also include high hand combos such as A8, KJ, or QT. 

    These hands are not unplayable, but knowing how to play them comes with the experience of playing for some time. The challenge we face with face cards is that there are not many flops that you can be confident you have the best hand. So, even if you do manage to make a pair in this scenario, you can easily be out-kicked or beaten by an even higher pocket pair. 

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    Why Does Your Startup Need the Services of a Private Security Company?

    October 13th, 2021

    For a business owner, owning and running a successful startup is a dream come true. However, it doesn’t always mean that you don’t have to deal with security concerns on and off your business property. 

    So if you are a manager who believes that your business facilities and the people who work for you are entirely safe from any harm, then you are mistaken. Especially when you own a facility in Grand Rapids, Michigan, however, it doesn’t matter in which state or city you own a business. Providing your business with the benefit of security should be at the top of your priority list. Furthermore, the security of your business and your representatives is not only essential but is also a responsibility you can’t ignore. 

    You must hire trained security professionals that can give your business and your employees the benefit of stringent safety for all these reasons. Additionally, hiring a security company equipped with professional and trained security professionals creates a haven for you, your employees, and even your customers. As a result, you get to secure your peace of mind to further invest in more critical business functions. 

    Read on and find out why your fast-growing startup needs the assistance of private security guards. 

    Employees Feel More Safe and Secure

    The idea of securing your facility with trained professionals helps create a safe work environment for everyone. Additionally, it is a remarkably significant addition to your company, be it a part of the banking, retail, or manufacturing industry. Also, employees like bank tellers and cashiers have jobs that can put even their lives in danger. However, if they know that trained security professionals guard them and protect them from harm, they feel safer and do their jobs more efficiently.

    Besides that, hiring a security guard will assure your customers’ well-being and that you value their safety.

    A Tried and Tested Way to Prevent Crime

    When thieves and criminals see that uniformed guards protect your property, they will think twice before making any move against your business. Moreover, trained security personnel can easily detect all sorts of suspicious activities in or around your premises. And if, unfortunately, you had to go through a situation that has the potential to jeopardize your business, security guards are the individuals that can bring everything back to normal. And if you adopt this thoughtful approach for your business in Michigan, you successfully provide your business with the protection it needs. Additionally, investigative services in Grand Rapids Michigan will give you the benefit of a peaceful and secure working environment at all times. Especially, if you hold a powerful and respectable position in society (such as a politician or a sportsperson). These individuals find trouble more often than regular people since they have to spend a lot of time with unknown people. With the presence of security personnel, be it a business owner or someone that holds a special place in the society, gets a perfect solution for all the security concerns and, at the same time, avoids any possibility of crime.

    Prominent Customer Service

    Even though a security guard’s main objective is to provide protection, these guards can also function as a reliable point of reference for customers. You can assign them to a front desk and give them access to certain areas where you need them to put a little extra stress on the security. When at supermarket’s these security guards can help customers to maintain order. They can also deal with customers that are angry or upset and overpowering the whole situation. When protecting their interests, other customers will know that you value their presence and personal space as you take every possible precaution to ensure it. And if there is a situation where customers need protection as they are scared that something terrible will happen to them during their walk to the parking lot, they can escort them to safety. Hiring trained, and capable security personnel at your facility conveys a strong message that you seriously take your customers and business. 

    On the other hand, if you are establishing an office, a company, or a retail store, it requires you to put in extra dedication and effort, but most of the time, it needs the benefit of z-security. Consequently, it becomes crucial that you provide this benefit to your business by hiring investigative services to keep your business safe from unnatural threats. Make sure you employ highly-trained guards who will add impenetrable layers of security to your organization. They will keep their eyes and ears open to find any suspicious activity or individual planning to cause you trouble. 

    Ensures the Safety of Night Duty Employees

    Hiring security professionals is a crucial investment if running a business requiring employees to work late-night shifts. Employees leaving work late at night makes them concerned about their safety as they become a soft target for criminals hiding in the dark spots of the night. But when you have security personnel who can safely escort them to their cars, guard the parking lot, and constantly survey the perimeter, you significantly reduce the chances of employees getting injured in your business’s facility. 

    Rapid Response

    Whether it’s a felony or a natural calamity, waiting for the local emergency services to respond can be time-consuming. That new time can feel completely wasted when you should use it more productively. 

    So, if you are concerned about saving your time in an emergency or disaster, you must contact private security services that can help you immediately. Moreover, when you have on-site security, you make sure that you have trained professionals who are perfectly capable of responding and dealing with such situations. 

    To Sum it Up

    To run a company efficiently, a business owner needs to focus on every segment of the business. By hiring trained professions that ensure the safety of your employees, you give yourself the peace of mind that you’ll always need to run a business more efficiently. And when you have a responsibility to focus on your company’s growth and reputation, security becomes an inseparable part of your strategy. 

    Hence, looking to benefit from protection by hiring investigative services for your company is a rational and wise decision. So, if you are someone who takes the security and safety of your company, customers, and clients seriously, start with hiring trained security guards. 

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    Albert Boufarah of SAMR Inc. Explains How to Secure Hard Drives Before Recycling

    October 6th, 2021

    Albert Boufarah of SAMR Inc. Explains How to Secure Hard Drives Before Recycling

    Throughout the United States and around the world, there is a growing proliferation of electronic waste, which many attribute to technology evolving at a faster pace now than ever before. Computers and other electronic equipment are improperly disposed of with household trash or dumped in outdoor areas, leaving the environment vulnerable to contamination and exposing potentially sensitive data to bad actors.

    Recycling computer equipment is vital for protecting the environment and protecting your organization’s data. However, there are certain steps that you should follow to prepare your computers for proper recycling.

    Albert Boufarah, the CEO of Lakewood, NJ-based computer recycling company SAMR Inc., discusses what you need to do to ensure your hard drives will be secure and unable to be hacked into by data scavengers. He explains how you can work with a reputable recycling firm to ensure your data is permanently destroyed.

    1. Backup Your Data

    The first step in the hard drive recycling process should always be backing up your data. Organizations of all types and sizes and individual computer owners should have robust backup programs so that their data is kept secure. The last thing you want to do is realize that you left important personal data (including financial information & web browsing history) on your old hard drive, but you can gain peace of mind by partnering with an experienced electronics recycling firm like SAMR Inc. which makes data security their top priority.

    2. Explore Your Options

    It’s important to choose wisely when it comes to moving out your obsolete electronic equipment. When taking the environment & your personal data into account, you do not want to leave your devices in a place where they can contaminate our surroundings or get hacked into easily. When you use a recycling company with the expertise of SAMR Inc., you can rest easy knowing that from the time your device enters their transport vehicles to their arrival at their facility, the company’s stringent security procedures will ensure that they never end up in the wrong hands. 

    3. Recycle Your Machine

    The final step in the data destruction process is taking your computer to a qualified recycling center. These specialized facilities can remove both toxic and valuable materials from the computer and recycle or prepare them to be repurposed properly.

    Working With a Trusted Computer Recycling Firm

    Albert Boufarah and his firm, SAMR Inc., can help you simplify the process of recycling computers and securing their data. Many enterprises recycle dozens or even hundreds of computers simultaneously, and it can take up your IT workers’ valuable time to physically destroy each hard drive individually.

    After the backup process, a trusted recycling firm can take the reins on the data destruction end of things. Professional computer recyclers like SAMR Inc. have special equipment on site that wipes hard drives to DOD (Department of Defense) standards or can physically destroy them. When you work with a computer recycling firm you can trust, you will take much of the guesswork out of disposing of a large volume of computer hardware. 

    Reasons Why Hard Drive Erasure is Vital

    Many business and personal computers contain sensitive personal and financial data. Personal computers contain credit card numbers, Social Security numbers, passwords for banks and credit cards, and other financially sensitive data. Business computers may contain this type of data for the individuals who use them during the workday. They may also carry confidential company information and other data that should be secured.

    Taking Computer Security Seriously

    All computer users should take it upon themselves to ensure their devices are handled responsibly to avoid a potential data breach. Albert Boufarah reminds us that serious problems can occur if data is left unsecured.If your company needs to dispose of used computer equipment, contact SAMR Inc. for information on its hard drive destruction and computer recycling services. Working with an experienced e-waste recycling company will give you the peace of mind that comes with having a partner that takes your data security as seriously as you do.

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    Keeping Track of Your Finances After Closing

    September 29th, 2021


    Selling a house isn’t easy, even when the real estate market is hot. Once you’ve finally closed the sale, take a moment to congratulate yourself, but don’t start thinking your work is done. You might think that managing personal finance suddenly becomes easier after receiving an influx of fresh cash, but you’d be amazed by how quickly even that can dry up.

    Want to make the most out of every penny you gained? Follow these important steps:


    Separate the Gains from the Losses


    Selling a house isn’t as easy as just slapping a real estate listing up on the Internet and waiting for the money to roll in. Between inspections, appraisals, marketing, and negotiations, a lot goes into it. And all of that stuff costs money, most of which is taken from whatever you make off the sale of your home. In addition to advertising costs, realtor commissions, and legal fees, you’ll also likely have to pay transfer taxes and title insurance costs.

    It can be hard to keep track of it all, let alone get a clear picture of how much profit you’ve actually made. That’s where an online seller closing costs calculator is most valuable. Simply punch in your home’s sales price, your remaining mortgage balance, and the state you’re selling in, and the calculator does the rest.


    Update Your Budget with New Info


    If keeping track of your finances is important to you, then chances are you already have a weekly or monthly budget to work with. If not, now is a good time to start. A good budget is a record of all the money you have in your bank accounts, how much you can reliably expect to receive from income sources, and how much you need to set aside for utilities, groceries, debt payments, car insurance, and other regular expenditures.

    Even when accounting for closing costs, taxes, and other factors, selling a home is likely going to provide a larger-than-usual injection of cash into your resource pool. That means you’re going to have to update your budget ASAP, that way it can more accurately reflect your financial situation.


    Beware of “Death by a Thousand Cuts”


    Way back in the 7th century, a common form of criminal punishment was called Lingchi, or “Death by a Thousand Cuts,” wherein the victim was sliced into pieces, slowly, just a little at a time. As horrifying as that is, Lingchi lives on today as a scourge not of the flesh, but of resources. People who receive large windfalls all too often dismiss the importance of adhering to a budget or saving up for an emergency. They do this not by overspending on extravagant items, but by giving into smaller impulse buys.

    The result? You think “it’s okay, this purchase isn’t that expensive” one too many times and, before you know it, a surprisingly huge chunk of the proceeds you earned from the sale of your home is already gone.

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    How Technology has Changed Gaming

    September 27th, 2021
    Board, Electronics, Computer, Electrical Engineering

    There is no doubt that technology has had a massive impact on the development of gaming, as it does on most industries. In the same way that technology allows for innovations in video games, it also allows for new technology in industries like online gambling, options like these casinos allow Bitcoin depositing, showing just how impactful technology really is. While games have existed for as long as humans have existed, the most dramatic change occurred in the 20th century, when developing technology allowed the first computer game to be created. This marked a turning point in the history of games as they were now interactive experiences that can be accessed on a screen.

    Technology has changed gaming forever then, as we can count video games as the product of its impact on the industry. However, there are many more things that have changed this century that can be attributed to developing technology. One of these is the idea of online gaming. Before this was developed, people could only play together if they were sitting next to each other in the same room which, while fun, is rather inconvenient. The advent of online gaming dashed this inconvenience away and ushered in a new era of gaming where people could play with others that were on the other side of the world. This also allowed the best players to be noticed on the world stage, offering talented gamers the chance to go competitive. All of this was possible purely because technology developed to a point where players could play with each other remotely.

    Those who are on the PC platform will be aware that technology affects gaming every year. It seems that almost constantly, new hardware is being released that is marginally better than the hardware released last year. When these pieces of tech are installed into the computer, it is not uncommon to see games run smoother and look better because of the better technology inside the system. This can be seen best through graphics cards, as they are the components that allow computers to be able to run games and show a visual feed. It is clear how much they affect gaming as can be seen by the recent graphics card crisis –where many graphics cards are either out of stock or have a highly inflated retail price.

    Perhaps the most recent development in gaming can be seen through VR, which stands for virtual reality for those not in the know. This technology is blurring the lines between reality and the virtual world as it allows players to experience a digital experience that can often mimic real life. While this has exciting applications for things like RPG games as players will be able to immerse themselves into the world, some might also fear a day where they will not be able to tell the difference between a simulation and real life. Despite this, VR remains a technology that is slowly changing the landscape of gaming.

    It is clear that the development of technology is something that will have meaningful effects on many industries, but gaming is one where the effects can be seen clearly.

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    Infant Formula from Europe

    September 26th, 2021

    Parents who are only starting to research the baby formula market might find themselves overwhelmed. Which brand to choose? Goat milk or cow milk? Is organic the best pick? And finally, are European brands better than US-based? Let’s talk about infant formula from Europe and why American parents are so crazy about it.

    Three reasons why they choose infant formula from Europe

    1. Biodynamic organic farming

    European formula producers take organic to a whole new level. Getting dairy from free-range cows and goats that feed on organic forage only? Of course, but it isn’t enough any longer. Every little thing is taken into account. The soil, the grass, the cows (goats), and farmers who tend to them. This means that:

    • they use exclusively natural fertilizers;
    • there are no GMOs.

    This helps ensure that the end product, the formula you give to your baby, is super clean and all-natural.

    Special European certifications of organicity have formulas such as HiPP, Holle formula and  Loulouka formula.

    2. No quality except top quality

    The EU standards for infant formula production are famously stringent. There is a number of ingredients you can come across in baby foods from American brands that are prohibited from being used in European formulas. These include many kinds of added sweeteners (corn or rice syrup, regular sugar, glucose, fructose), for example.

    Instead, infant formula from Europe includes healthier sweeteners like lactose (milk sugar). Lactose is the sugar your baby gets with breastmilk. They also use small amounts of maltodextrin. It makes formula taste better and ensures better satiety.

    3. Everything for a baby’s comfort

    All parents want to make sure that their babies digest their food easily. That there’s no colic or any sign of indigestion like constipation or diarrhea. European formula brands seem to understand that. That’s why they add prebiotics and probiotics to infant foods to ensure that comfort. HiPP Combiotic formulas, for example, include these. This means that your baby sleeps better and is so much calmer. And so are you.

    Things you need to know about baby foods from Europe

    1. You’ll find that the majority of European formulas come in cardboard boxes rather than cans. This means you might have to transfer the powdered formula to a container with a tight lead once you open the box.

    2. Unlike American infant foods, European formulas come in stages:

    • Stage 1: 0-6 months old;
    • Stage 2: 6-12 months old;
    • Stage 3: over 12 months old;
    • Stage 4: milks for toddlers.

    There are also products marked as “Pre”. They are for prematurely born and low-weight infants.

    3. They use a metric system of weight measurement. So odds are you’ll need to do some calculations.

    4. It just so happens that many popular European infant formula brands are from Germany or Switzerland. This means that it’s likely their labeling is all in German. Make sure what exactly is written on a package before buying it. 

    There is no denying that both in Europe and the US requirements for baby foods are quite high. But formula producers in Europe seem to take it to another level. This is why so many parents in Nothern America find the European formula so appealing.

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    Effective Revision Note Taking Methods you need to use now

    September 25th, 2021

    We cannot avoid an exam because n matter how much we try to escape or run away from them, we get challenged and tested by another kind of exam. Thus, exams are an unavoidable part of a person’s life. And where education is considered, exams become vital for students to grow, learn and contribute to the world. Students of CBSE, especially class 10 and class 12, always remain terrified of their impending Board exams. Exams do stress students out, but if viewed in the right and practical sense, these can actually enhance everything that students work to achieve in their lives. 

    One proper way to overcome the extra burden that studies impose on students, and the rush to cover the syllabus, lies in the habit of taking effective notes whether it be in lectures or while studying. These short and crisp notes written in abbreviations and student-friendly language go by the name of revision notes. Revision notes play a very significant role in the effective use of study time and study material, that is, they act as an effective strategic approach in cracking exams. This note-taking has to be done properly to ensure that students reap all the benefits of actually making these notes. Note-taking requires skill on the students’ parts as these are to be used as good and effective last-minute revision materials. 

    Some tips and methods that actually are effective in taking as well as making notes are shared below. These also constitute some of the most effective methods that students have to use not only now, but throughout their learning years:

    • Method of preparation matters:

    There are two methods of preparing notes: digital and handwritten. Digital notes are made using laptops preferably with the Times New Roman font. This font should be used while making notes because this is easier and more legible to read when compared with other fonts. Handwritten notes on the other hand do not follow any specific font or format because they are based on the students’ handwriting. The only thing that should be emphasized here is a clean and clear presentation of the notes prepared.

    • Follow a pattern:

    Notes should be prepared in an organized manner because they are made specifically as a revision material for exams. So, these can be printed and made into a small book if done digitally, else usually notebooks are preferred while taking down notes. Making these organized notes help students be in possession of their own organized revision plan.

    • Short and summarized:

    Note-taking is all about creating short and summarized notes. Their purpose is a last-minute breeze through on all the topics, so lengthy sentences are out of the question. Keywords and personalized abbreviations can be created to easily fly through and revise the topics.

    • Make it colorful:

    Colour coding is an effective way to appeal to the brain such that the concepts are retained in the memory. Highlighting keywords, and using different colours, both in digital and handwritten notes can make these notes fun and interesting to learn. 

    • Use graphs, illustrations, and drawings:

    Flow charts, graphs, mind maps, drawings, and other simple illustrations are pictorial representations of data and information. These have a higher chance of being remembered by the brain because pictures are remembered even by little kids. These drawings can also give life to the dull and dry notes to make them look attractive.

    • Additional reference materials can be useful:

    Besides textbooks, reference materials that are similar to the subject textbooks can offer additional information which is usually not given in textbooks. Thus, students can be filled with loads of details on the same topic, and making these into crisp points provides them with an effective way to answer questions in the exams. All they have to do is recollect the points and explain them. 

    • Time is not to be wasted in making these notes:

    Time is a valuable resource, especially for students as they do not have hoards of it to waste because note-making can prove to be a very lengthy and time-consuming process. Sitting for longer durations of time, just for making these notes can prove harmful to the students’ brains as well as their bodies. Breaks should be taken when and as required and students should avoid overindulgence while making these notes. Rest is necessary and important, and it is the students’ responsibility to know when to rest.

    • Things which are sweet are good in-between snacks:

    Chocolate and other food items which are sweet can stimulate the brain. Students can grow lazy during the process of note-making as it is a very lengthy task. Sweet food items are a laziness-breaker and can boost students to work more efficiently.

    • Sit at different locations:

    Same surroundings, when sat and looked at, becomes monotonous and very boring. This can bring in another wave of laziness that can hit students. A change in location is actually quite refreshing as students could use the change in the air while writing. 

    • The background matters:

    Music, a clean table, neat notebooks, proper ventilation, and other things which determine the ambience has a significant role in affecting the students’ working mentality. They can clear the brain of unnecessary deviations such that accurate and crisp notes can be made and taken down easily and quickly.

    Thereby, students are left with a personalized weapon that they can use freely any time they want in order to beat the exams. Revision notes thus prepared can help students be confident about what they have learned and covered. Since these notes are short and crisp, revisiting and re-learning them becomes easy because students are familiar with the original concepts. All these different methods discussed are tips for both effective note-making and note-taking. They are absolutely beneficial to the students and the students should follow these at all costs and create their own revised notes. By interlinking all these elements, the personalized weapon that the students create empowers them and makes them confident in themselves. After all, a well-prepared person does reap the most benefits. So, good luck with note-making!

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    How to use the Marketplace?

    September 25th, 2021

    In this article, we will be discussing how to use the marketplace on your website to increase sales. This is a great way to create a passive income stream and an easy way for customers to purchase from your site.

    How it works

    The marketplace is an eCommerce plugin that allows you to sell products on your site. It uses WooCommerce and the Shopify API for integration, making it easy for users of all technical skill levels to use quickly. You can create new listings or import them into your shop by using CSV files. On top of this, shipping rates are automatically calculated based on Shopify’s GeoIP service (this information is sourced from public APIs). There are also some other great features like out-of-stock notifications. Hence, customers know when a product they want will be back in stock soon, built-in promotions where discounts on certain items can apply without having to code anything yourself, and lastly but most importantly, order management and tracking.

    Benefits of using the Marketplace 

    The Marketplace is a great way to increase sales on your site. Customers who don’t want to go through the hassle of creating an account can simply click “Add To Cart” and complete their purchase with no added steps. It also makes it easier for customers if they are familiar with Shopify, as that’s where they have all of their products saved! Lastly, but most importantly, you will be able to offload some work by using this plugin, making time management much more efficient, allowing you to focus on other aspects of growing your business.

    Creating Your Storefronts

    You can create your storefronts with this plugin. If you want to sell exclusive products without opening up a full online store for yourself, then the Marketplace is perfect! You will be able to use it alongside other plugins that allow you to sell directly from social media or wherever you want on your site. This way, customers who visit any page of yours will have access to purchase whatever they need off of your website without having to search elsewhere! The possibilities are endless when using Shopify’s marketplace, and these are just some examples I wanted to show how great it is.

    All sales are final in the Marketplace

    There’s no need to worry about returns and refunds because it’s all done automatically through Shopify. You will still have the option of offering them on products sold directly from your site, but through this plugin, you won’t need to worry about anything!

    If you’re not sure how much an item should cost

    You can try searching for similar items on eBay or Amazon. Shopify API can also be used to get data on how many of these items are being sold. That will give you an idea of what price range to list your product in!

    A Marketplace is a great tool for increasing sales, and I hope that this article has shown you some ways to be used in practice. If you want more information, feel free to contact Tackle for more tips like these on how to increase sales with the marketplace!

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    Casino of Dreams bonuses 2021 by CasinoBonusTips.com

    September 23rd, 2021

    INTRODUCTION

    Casino of Dreams is an online gaming site licensed under the Maltese Broadway Gaming LTD. The site is largely occupied by video slots and table games. With a renowned game-providing company such as Microgaming, players have been able to get the best experience while gaming on the platform. One notable peculiarity about the casino is the loyalty programs, its incentives and bonuses. Click on the link to know more about the bonus codes Casino of Dreams bonuses

    Welcome Bonus

    As a first-timer, you get a welcome reward of 50 free spins. To enable these free spins, the player is expected to make a first-time deposit of £20. This bonus package remains active for 3 days. Players should note that the bonuses should be used within 30 days else it will be cancelled. To cash out your winnings, you should wager 50 times the welcome bonus. Also, keep in mind that different casino games will contribute different percentages of the wagering requirement.

    Loyalty reward

    Casino of dreams has a very peculiar rewarding system for dedicated players. There are five different levels for rewarding these players and this can be seen in the reward section. Each level has different bonus offers. To get to the highest level, you need to gather reward points. Every £1 deposited brings you 15 reward points and every £1 wagered gives you 1 point.

    • First level: To unlock the first level, players would need to make a minimum deposit of £20 for the next seven days. The bonus point required is between 0-500.
    • Second level: The bonus point required for this level is from 500-5000 points. This level allows players to enjoy some special bonuses on weekdays. On Monday, players get up to 25$ match bonus of up to £20 and 10 free spins are made available on Thursday
    • Third level: To attain this level, you need about 5000- 20,000 bonus points. On Monday, players get 25% up to £50 match bonus and on Thursday, they have 15 free spins 
    • Fourth level: This level is unlocked with a bonus point of 20,000-100,000. The conditions for the daily deals are almost alike. Monday you get a 25% up to £100 bonus and on Thursday, you are rewarded with 20 spins.
    • Fifth level: To achieve this level, you need a bonus point above 100,000. This is the highest level you can attain. Monday bonus becomes 25% up to £250 and the free spins you can claim on Thursday is 30

    At all levels, you can accumulate loyalty tokens. For every £10 wagered, you will get one token. Keep in mind that deposits made via Neteller, Skrill and Paysafecard do not qualify for offers from the casino.

    Conclusion

    The casino of dreams is a fully formed and high-quality online platform, offering UK players numerous choices of classic games. These attractive bonus packages have helped the casino win the heart of its users which has made gaming more interesting. The loyalty program allows you to accumulate financial potentials in form of loyalty points as you place bets. The site provides its customers with safe and fair games. This quality work is watched and managed by the Independent authoritative gambling control office. Customer service efficiently helps clients resolve their problems.

    For more info about author click here

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    How to Refinance house loans?

    September 20th, 2021

    Refinancing your home can be a smart choice if you’re looking for lower rates, want to take cash out of your equity, or are looking for more financial flexibility. However, it’s important to do your research and find the best option for you. This blog post will give you five tips on refinancing to avoid wasting time and money.

    1. What is a refinance loan, and how does it differ from a traditional home loan?

    A refinance loan is a second mortgage that pays off the current home loan and replaces it with a new one. Traditional loans are when you get money to buy your houses, such as an initial purchase or add-ons like renovations. A traditional home loan will have terms of 15 years to 30 years, depending on what suits your financial situation.

    Refinance loans have different terms, but you can find a loan that suits your financial situation. You may want to consider a fixed-rate refinance home loan if current interest rates are lower than what you’re currently paying. This means your rate won’t change for the life of the loan.

    A variable-rate refinance loan will be based on the current interest rates. Since these can fluctuate, you should consider if this is best for your financial situation before signing any contract. This type of home loan also has a life span of 15 to 30 years.

    2. The benefits of refinancing your home loan

    There are many benefits to refinancing your home loan. Maybe you could benefit from a lower interest rate, more financial flexibility, or cash out of equity? One example is if you have an initial mortgage with a high interest rate and want to make overpayments towards this because you need to get rid of that debt as soon as possible.

    You may also want to consider refinancing if you would like more financial flexibility, such as making extra repayments when it suits your budget better or getting a redraw facility so that you can access any additional cash in the future.

    3. How to find the right lender for you 

    When you’re refinancing your home loan, it’s important to find the right lender for you. Look into who offers the best mortgage rates and financial benefits that suit your needs. You also want to consider which lenders have a good customer service history, so if there are any problems with your new contract, they will take care of them promptly!

    You should also consider the amount of time you will spend with this lender. You don’t want to feel like you’re spending all your time signing contracts and paperwork, so make sure they offer efficient service for a hassle-free transaction.

    4. What are the requirements for refinancing your mortgage

    There are many factors that lenders will take into consideration when they’re refinancing your home loan. These may include:

    Your credit history and score

    – Current income and expenses, such as rent or mortgage payments

    – Outstanding debts on other loans you have taken out with another lender

    A good way to find the best home loan with lenders is to ask for advice from people you know and trust. You could also do your research online or in the Yellow Pages, depending on what information you feel comfortable sharing about yourself and how much time you would like to spend finding a good deal.

    Lenders will look carefully at all of these factors when they’re refinancing your home loan. For this reason, it’s essential to provide accurate information so they can find the best deal for you!

    5. What are the costs of refinancing my mortgage, and what do they include?

    When refinancing your home loan, there are many costs to take into consideration. There is often an application fee and/or a valuation fee involved when you’re signing up for the contract with the new lender. This will be money well spent if it saves you thousands of dollars in interest payments! You may also need to pay stamp duty on legal costs, transfer fees, and any other expenses involved with signing the contract.

    The best way to avoid paying unnecessary charges is by speaking directly with your lender about what it will cost to refinance your home loan, so there are no hidden or extra charges! This can save you time and money in the long run when refinancing your home loan.

    Now that you know the basics of refinancing your home loan, why not take out some time today to see if it could benefit your family? See what lenders are available in the market and determine whether refinancing is right for you so you can get on track with your finances! You can read about hard money loans here

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    What to Know About Union Membership

    September 20th, 2021

    Recently, with the 20th anniversary of the 9/11 attacks, it was once again brought to our attention as Americans more about not just what happened that day but the ripple effects that have lasted for two decades. 

    For example, many of the labor organizations in New York State and throughout the country, according to the Hansen & Rosasco law firm that handles 9/11 claims, came together to help. Many unions assisted as their members got sick from toxin exposure at the attack sites, and they remain involved to this day. 

    With that in mind, particularly with 9/11 once again so fresh on all of our minds, the following are things to know about joining a labor union. 

    What is a Labor Union?

    A union is an organization serving as a go-between for members and their employer. The goal of a labor union is to provide power to workers to negotiate favorable labor conditions and other benefits, primarily through what’s called collective bargaining. 

    Union members do earn higher wages than non-union workers. On average, union workers have wages 28% higher than their counterparts who aren’t members. 

    The collective bargaining process is one in which employees, through unions, negotiate contracts and conditions with their employers. Collective bargaining is used for terms of employment including job health and safety policies, benefits, hours, leave, pay, and more. 

    This type of negotiation is used as a way to deal with problems in the workplace. 

    Around ¾ of private-sector workers in the U.S. have the right to collective bargaining, as do 2/3 of public employees. 

    The Pros of Belonging to Unions

    There are certainly upsides that come with union membership. 

    Along with union workers having higher salaries, the vast majority are entitled to medical benefits, which is not the case for non-union workers. It’s more likely if you’re in a union, your partner will have access to health care benefits as well. 

    In most states, non-union workers are considered at-will, meaning employers can fire them for almost any reason. There are a few limitations, like discrimination, but not many. When you’re a member of a union, there has to be just cause for your employer to fire you, and they typically have to go through a process like arbitration to do so. 

    If you have a dispute or complaint with your employer, unions will help you use processes to deal with it. 

    Collective action can be facilitated through the concept of strength in numbers. 

    What About the Downsides?

    While there are plenty of benefits to union memberships, there are also some downsides to be aware of. 

    The big one in the eyes of many employees is the dues. Dues can be up to several hundred dollars a year, which means they offset your higher wages. Sometimes, your union dues may end up deducting anywhere from 1.5% to 2.5% of your paycheck. To join some unions, you also have to pay a one-time initiation fee. 

    The dues go toward paying the salaries of officials in the union and to conduct business, but there are sometimes complaints from members about how money is being spent, how it’s allocated between the local and national union, and how much they pay in general. 

    If a workplace is unionized, it may be open or closed. 

    Open employers don’t require paying dues for fees to a union as part of your employment. With a closed employer, employees have to be union members to apply. A closed employer might let someone not unionized apply, but then when they’re hired they’re required to become a member. 

    A closed employer might also let you work as a non-member, but you must pay agency fees. Those fees then go toward the work of the union. 

    Another downside is that you lose some of your autonomy when you’re unionized. You have to follow the union’s decisions even if you disagree with them. 

    Just like it’s harder to fire employees who are part of a union, it can also be harder to promote them, so this is a downside. Unions put a lot of focus on who’s senior in a workplace. That means that if you’re a newer or high-performing employee, you might be passed over for opportunities because seniority is more important. 

    Overall, there are extensive upsides and downsides to union membership. One of the more critical considerations in the whole concept of whether membership is worth it is the corporate culture. There are some employers where the corporate culture significantly supports union membership, even if it’s not required. 

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    Five Things to Know About Long Haul Covid

    September 14th, 2021

    Not a day goes by that COVID-19 isn’t in the news, for good reason. As more people catch this virus, more doctors get practice treating it and more labs have the chance to study it. We’re able to learn more and more about what it does to the body, how to prevent people from catching it, and how to help those who are suffering from symptoms.

    One of the scariest discoveries among those studying the coronavirus is long haul COVID. Whether you have had COVID-19 or not, there are five things you should know about these symptoms:

    • You could get Federal support
    • Symptoms can persist for a year or more
    • You don’t have to be hospitalized to get long haul COVID
    • Getting vaccinated could help symptoms
    • New treatments are on the way

    You Could Get Federal Support

    One thing COVID patients may not think about is whether their condition is covered, but it’s front of mind for many long haulers. As a new illness, you may not be covered by your insurance. That can add up to tens of thousands of dollars out of pocket, especially if you’re dealing with symptoms in the long-term.

    That’s not all. Many long haulers find it impossible to work, which is why it’s so important that the Federal government is stepping in to provide coverage for those experiencing long-term symptoms. On July 6, 2021, the Biden administration announced it would take the necessary steps to legally support and protect COVID long haulers. The key is that COVID-19 long haul symptoms are being classified as a disability, which means long haulers will receive the same support those with currently recognized disabilities receive.

    Symptoms Can Persist For a Year or More

    Regular COVID will only last for one to two weeks. Long haul COVID is different. You shouldn’t be surprised if your symptoms last a year or more.

    In one study, nearly half of the patients still had at least one COVID symptom 12 months after their symptoms began. Fatigue and muscle weakness were the most common symptoms to persist, with women more likely to experience these symptoms.

    You Don’t Have to Be Hospitalized to Get Long Haul COVID

    It’s true that many patients who were hospitalized experience long haul COVID symptoms, but don’t think you have to be hospitalized to experience problems.

    We’re learning about COVID complications all the time, and one that is getting attention is the fact that 50 percent of long haulers showed a decline in kidney function. What was alarming is the fact that this decline in kidney function is also being seen among those who weren’t hospitalized.

    However, it is important to note that this doesn’t occur in every single person who gets COVID. It’s more likely to occur in people who have other medical issues, who are older, or who are more frail.

    Getting Vaccinated Could Help Symptoms

    We all know that getting vaccinated is the best way to keep from getting COVID-19 in the first place, but it turns out that getting the vaccination after the fact has the potential to help those who are suffering from long haul COVID.

    In one support group for long haulers, members who received the vaccine say that it has helped their symptoms. However, it’s too soon to know if this is truly an effective treatment or not. Some patients report feeling worse after getting the shot, so more research is definitely needed.

    New Treatments Are on the Way

    The bad news is that tested, timeworn treatments for long haul COVID aren’t here yet. Doctors don’t yet agree on the best course of action, but that doesn’t mean new treatments aren’t being developed!

    In addition to the possibility of vaccinations being one way to treat long haul COVID symptoms, some doctors are testing out other possible treatments. For example, one doctor is trying hyperbaric treatments with patients who have long-haul symptoms with some success, while other doctors are studying the effects of certain medications on the symptoms associated with long haul COVID.

    Getting COVID-19 can be scary. You don’t know if you’ll experience minor symptoms and bounce back right away or if you’ll experience more severe symptoms that linger for months. Being informed is the first step to making sure COVID-19 doesn’t rule your life. Take the time to learn about COVID-19, which includes the impact of experiencing long haul symptoms, and you will be prepared should you or a loved one get this virus.

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    Can I Grow CBD Plants in My Garden?

    September 11th, 2021

    A garden is a wonderful thing to cultivate and invest time and energy in, which is probably why so many folks took the opportunity of the COVID-19 lockdowns to start growing indoor plants. Some folks were luckier—they were able to grow plants in an outdoor garden or backyard. With plenty of sunlight, these people didn’t have to invest a lot of money in grow lights. They just made their vegetables, herbs, succulents, or flowers a part of their home’s landscape design.

    While that may sound idyllic, it’s more than possible to grow an impressive garden of indoor plants as well. The added benefit here is that your succulents and flowers will do well in the winter, and you can control the humidity and light that your green babies receive as well.

    One popular plant that many people are growing in their indoor garden projects is cannabis. Especially folks in areas like Denver, where CBD is both legal and ubiquitous, are finding that it’s more cost-efficient to put together a grow tent than it is to be a repeat customer at a dispensary. If you’re wondering whether (and how) you can DIY your way to growing cannabis plants, look no further. Here’s the info you’ve been looking for.

    If you’re growing indoors you’ll need a grow tent, but that’s not all.

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    The first step to growing your own weed is to put together your own DIY grow tent, which is way easier than you’re imagining. A DIY grow tent should be made of a durable material (like mylar) and should have space for LED grow lights. Beyond that, make sure that you either have a sprinkler system or that you’re setting up the grow tent in a grow room that includes a sink. Also, when you’re installing the PVC pipes and mylar, it’s a good idea to add a velcro feature for ventilation. One thing about manure and mulch is that they get smelly very quickly, and ignoring ventilation is a great way for growers to make their own homes inhabitable. All the materials for your own DIY grow tent can be easily sourced at a local hardware store. Once you’ve perfected your setup, take some time to watch tutorials about caring for cannabis plants and seedlings. Small adjustments to humidity and LED lights can mean better, more potent cannabis plants—or not.

    If you’re growing your own weed outdoors, maybe skip the front yard.

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    If you’re one of the lucky few with an outdoor space that’s just waiting to be turned into a gorgeous oasis, you may want to set up your cannabis plants in the front yard where you can be proud of them. While that’s certainly your own prerogative, Denver landscapers will probably recommend otherwise. You may not want to call too much attention to your Denver area home, so adding something showy like cannabis plants or a water feature could be risky. Landscape architects will be able to help you pick out the right shrubs and flowers for your front yard and the right water features for your backyard. Plus, landscape contractors will be able to help you shape your entire outdoor living space, if you want to include things like a patio or pots of herbs, and they’ll be able to consult with you on how to keep pests away from any cannabis plants you do end up growing outside. While the fresh air is great for plant growth, pests are definitely not great, so having the advice of professionals with years of experience can certainly come in handy for any major growing or landscape projects. Plus, any landscape services offer a free estimate, so checking on pricing really comes at no financial risk to you.

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    5 Habits That Can Make You A Successful Crypto Trader

    September 9th, 2021

    5 Habits That Can Make You A Successful Crypto Trader

    The crypto domain is rife with opportunity, and everyone can make money here. Even small investments can get you massive returns. But it can get complex to understand, and there are some risks you have to live with. You need to be smart with your investments right from the first time. There isn’t a tried and tested strategy to win every time, but cultivating some smart habits can take you a long way. Let us explain the ones that can make you a successful crypto trader.

    Do extensive research before every deal

    It is a habit that keeps you on the right side of any investment, including cryptocurrency. The good thing is that you need not struggle a lot with gathering information. The internet offers every piece you will need. Just make sure you follow a reliable source that has the latest news and trends. You can also stay in close touch with an industry expert and get their insights on deals and decisions. 

    Picking the right time for investing 

    While there isn’t any right time or season to invest in cryptocurrency, you must follow the market closely and grab opportunities as they come. The landscape is highly unpredictable, and prices are volatile. The best time to buy is when they are on the lower side. You can look for alternative cryptocurrencies and pick them when they are relatively new in the market. If all goes well, you can expect high yields in the future. 

    Investing in a diverse portfolio

    Another smart habit for any crypto investor is to create a diverse portfolio. It is tempting to stick to popular options in coins, but having more than one type of currency balances your risk. Yuan Pay is an excellent choice as it is a government-backed currency. You can seek expert advice on how to buy cryptocurrency in china and seal the deal right away. This habit can single-handedly make the investments less risky and take you a step closer to success.

    Create boundaries and stick to them

    The worst mistake you can make as a crypto investor is not having limits. There are opportunities galore, but you must not cross your boundaries. Invest just as much as you can afford to lose because the market can take a sudden turn when you expect it the least. Never take debts to buy cryptocurrencies because you can land in deep trouble if things do not work out as planned.

    Avoid impulsive decisions at all costs

    Successful investors never make impulsive decisions. It becomes even more crucial in the crypto markets where FOMO (fear of missing out) is rampant. Impulsive selling means you can miss out on future booms, while impulsive buying can result in big losses. Keep a level head, research facts and trends, and seal the deals only when you are sure. Rushing into decisions always does more harm than good.

    You may be born with some of these habits or will have to imbibe them. But you must follow them all to attain success in the cryptocurrency investment landscape. 

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    How To Have The Best Remote Work Vacation This Year

    September 7th, 2021

    How To Have The Best Remote Work Vacation This Year

    The new normal is daunting in many ways, specifically when working from home for the long haul. Many employers have decided to go remote indefinitely, and employees are not really happy with the situation. But you could see the silver lining too because this is your opportunity to work while you travel. The idea of an extended working holiday is alluring, and it is doable too. You need not worry about missing the office or using your paid leaves as you can work from anywhere. Here are some tips to have the best remote work vacation this year.

    Pick a safe destination

    The most crucial aspect of travel planning this year is safety. Plan a trip only after you get your vaccine because it assures safety against the virus. At the same time, research the destination to get a fair idea of the status of the virus there. Also, go through the travel regulations and norms so that you can avoid unnecessary complications. Think long-term and choose wisely.

    Choose your accommodation wisely

    When you plan a work vacation, you need to be extra conscious about choosing your accommodation. It should be peaceful because you will expect to steer clear of distractions during office hours. WiFi connectivity is non-negotiable as you have to be connected to the office. Also, make sure that the place fits into your budget if you plan an extended stay. Vacation homes make an ideal option for such holidays.

    Create a schedule

    Balancing leisure with work requires you to create a realistic schedule for the vacation. Does your job require you to be there 9 to 5, or do you have flexible schedules? Are you expected to be available around the clock? Is there a time zone difference between your workplace and holiday destination? Consider these questions and come up with a schedule that enables you to manage work and have fun.

    Pack your favorites

    Packing for a long work holiday requires some good thinking. You will want to carry everything you love. If you are a fitness buff, carry your exercise mat and running shoes. You may want to have a good time at a 420-friendly resort, enjoying long sessions every evening after work. Pack the cannabis strains you like along with a discreet nectar collector glass to keep you happy and relaxed. Make sure you choose a legal destination where you can replenish your cannabis supplies from the local market.

    Follow the safety and wellness rules

    Making your work vacation successful is also about following the safety and wellness rules. You may be vaccinated, but it is still vital to wear a mask and avoid crowds to stay safe from infection. Go the extra mile with mental wellness, and do not make the holiday only about work. Exercise, relax and spend quality time with your companions. Stay connected with loved ones back home if traveling solo.

    Remote work vacation is a chance you shouldn’t miss out on this year. Follow these tips, and you can make the holiday an unforgettable experience. 

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    How technology has boosted online casinos

    August 25th, 2021

    Technology has always been a great tool for helping to boost your business and especially on the internet and on smart phones. Many businesses have seen the benefits from using technology to their advantage and one industry is online casinos and online book makers, these platforms are some of the most visited in the world and attracting millions of users daily. Some online casinos that have really used technology to their advantages are some that you can see here where these online casinos have made sure to be up to date with technology by being able to use them on the internet platforms but as well as being adaptable for being played on smart phones. Casinos have been boosted by technology by being able to move from a land-based business to creating online platforms which have helped boost their platforms by attracting millions of new users since now being able to be played on smart phones, laptops and tablets. Since moving to online casinos have become one of the most visited websites in the world with new and existing users passing through daily. Technology has been a great way for many industries to promote themselves and attract new customers to their platforms. 

    Many businesses are making sure to use technology to their full advantage and be as easy as possible to use for their customers, for example a lot of companies are now making sure to have an app that is compatible with smart phones, so it is easier for people to use instead of heading to the main website directly. The app stores are a huge platform with near enough everyone who has a smart phone downloading apps on a daily basis. Since the pandemic began near enough everything has moved to online now and technology is now more popular than ever with businesses using it to their advantage all the time. Technology is now at an all-time high and apps are at the centre of this with everything now being available on an app from ordering your food shop to playing games you can get apps for everything and anything as you can read more about it here and how it benefits businesses in many different ways. It is quite obvious that all casinos are now looking to use technology to help them gain more customers and keep relevant to their existing customers. 

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    8 Ways to Lose Weight That Don’t Involve the Gym

    August 17th, 2021


    If you’ve meant to get into shape but for some reason you haven’t, it might be time to rethink your workout plans. Some people succeed by becoming a member of their gym. But for others, the idea is too overwhelming or expensive. With the proper planning, there are many ways to exercise without going to the gym.

    1. Maintain a Routine

    Workout doesn’t always mean going to the gym and lifting weights. If you want to slim down, remember that your body is designed to move. Try adding an exercise plan to your daily routine, like an aerobics class. Or you can go for a walk every evening, which will burn calories and help you lose weight. You have to stay consistent.

    2. Swap Your Transportation

    If you’re not into the whole gym thing, start living an active lifestyle. If you’re catching a cab, walk instead. And if you take public transportation to work, try riding a bike. Also, don’t take the elevator at work. Instead, walk up the stairs to get extra exercise and to get your heart pumping.

    3. Ride an Exercise Bike While Watching Television

    You probably spend at least a few hours per day watching television or YouTube. You could be spending those hours in the comfort of your own living room and not at the gym. Instead, use your TV to work out. All you have to do is turn on the television and get on your exercise bike. You’ll get a great workout while still being at home.

    4. Try Yoga

    Yoga is becoming more and more popular because it helps people relax, regain strength and flexibility, and even boost energy levels. Yoga is a great way to stay active without having to go to the gym. You can do it in your own home, and you don’t have to worry about anybody judging you.

    5. Play Sports

    If you want to get into shape, playing sports is a great way to do it. Find the sport that you enjoy the most and find a team to join. You can also take up cycling, running, tennis and other activities. Just make sure you’ll get out there and play.

    6. Take a Walk

    Walking is a great way to get fit and lose weight. All you need to do is walk briskly for 30 minutes each weekday. On weekends, try going for long walks around the neighborhood or in nature. You can be active without doing anything too strenuous.

    7. Dance

    Dancing is a great way to come up with new ways to move your body. Also, it can be a fun and exciting way to burn calories and get in the mood for your workout. Some exercise classes incorporate dancing into their routines.

    Conclusion

    As you can see, you don’t need to go to the gym to exercise. If you stick to a specific Modernfit weight loss routine, you’ll be able to reach your goals. Just remember that it’s essential to stay consistent and give your body time to adjust. If you don’t give it enough of a chance, you’ll end up slowing down and not gaining any momentum.

    The critical thing is to find activities that you enjoy, and you’re more likely to continue doing them. One great way to make sure that happens is by exercising with a friend. Nothing can beat the positive energy from exercise and the feeling of accomplishment you get from working out with someone. Just go for it and remember to be patient and try not to give up.

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    Expert Video Lessons – The New Way To Learn

    August 17th, 2021


    If you are a visual learner like me, you love a video presentation or colorful graphics during a lecture. My comprehension and absorption have always been higher when watching something rather than just reading about it. I like to feel immersed in my lessons. For those like me, the school can be challenging when you only have textbooks to read and lectures to listen to. Expert video lessons have made a big difference in my academic career. I feel more engaged, and I retain information better. If this sounds like you, keep reading about how visual learners like ourselves can benefit from websites like Wize, which allow you to take visual lessons online. It has changed my learning for the better. Hopefully, it will do the same for you.

    Are You A Visual Learner Like Me?

    Visual learning is pretty straightforward. We like to see things presented to us. It allows us to learn them more quickly and with better retention. My brain has a knack for spatial awareness, brightness and contrast, colors and tones, and other visual information. Some of my favorite methods of visual learning are below:

    • Watching an in-person demonstration.
    • Following a diagram.
    • Looking at a graph.
    • Writing instructions on a whiteboard.
    • Online videolessons. 

    Basically, as visual learners, we want to view or watch something to feel comfortable learning.

    So Many Benefits To This Style

    If you are similar to me, you may have sometimes felt you were at a disadvantage to those who seemed to be able to read a textbook and understand the material. It can be frustrating, but there are some great benefits to being a visual learner. See if any of these describe your personality. Visual learners: 

    • Are very organized.
    • Can easily visualize objects.
    • Possess a good sense of alignment and balance.
    • Have the ability to recognize similarities and differences in objects.
    • Utilize imagery when learning and describing things.

    If this sounds like you, then keep reading below. Wize, a website dedicated to helping students, maybe just what you need to excel in the classroom.

    The Method Makes A Difference

    If you are going to learn virtually, you have to choose the right people to teach you. You want to be sure you are not getting some cookie-cutter material from the website offering expert video lessons. This is why I really like Wize. They offer: 

    • Custom curated lessons and practice for the exact course at your school.
    • Guide students to foundation understanding, not just quick fixes.
    • Educators who are masters in making complex concepts seem simplified.

    They have courses for high school, college, and even those studying for the LSAT and MCAT and have helped over 100,000 students. All of their “Wize Profs” are experts in their respective courses, and 98% of their students improve their grades by over one whole letter. I was one of them! If you have decided you could benefit from a learning method that caters to you as a visual learner, you should check them out!

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    5 Unconventional Ways to Pay Off Loans

    August 13th, 2021

    “Money makes the world go ‘round” is a common adage for loan proprietors. Whether they are specialized in a unique type of loan like title loans or home equity loans—they are there to give you money, for a return of that cost plus interest. Many times, people take a loan because they need the money, and later they can become stuck in a cycle of paying back the minimum balance and the interest continuing to grow the debt. If enough of the payments are missed, there are a variety of things that can happen, including going to court, repossessions, or garnished wages. But it is not all bad. If you are looking for some unconventional ways to pay off your loans, these are five particularly good ways to gather the extra income to pay off your debts fast.

    Look at Your Mortgage

    There are a lot of options available to you for accessing some of the value of your home. Most of the time these tend to be equity loans on your home. Which means your home is used as collateral to borrow a large lump sum of money. Most people do this when they face medical bills or what to do improvements. However, these sorts of loans aren’t great when you already have other outstanding loans because they need to be paid back as early as possible. Instead, have a look at a reverse mortgage

    Don’t get mixed up, these are also a type of loan—but they are a loan that highly benefits the borrower. They work by allowing you access to a portion of your home’s equity, giving you the freedom to pay off your other loans with this equity transition. What makes this work as an unconventional way to pay off your loans is that since it’s reversed, that means that you will not have to pay back the loan until you leave the home or pass away. Further, payments do not need to be made until that point comes around. 

    Sell Your Stuff

    Another method you can use to pay back your loans quickly, is to utilize the stuff around your house—sell it! Look, we all want to be able to keep every gift and every unopened hobby set, but right now paying back your loans should be the top of your priority list. This doesn’t mean that you should consider selling family heirlooms, but it does mean that the pottery wheel may be a good choice to remove. These days you can even sell your stuff online using sites like Etsy, eBay, LetGo, or any of the other neighborhood selling applications in your phone. 

    Sell Your Stocks

    If you have had the ability to buy stocks in the past, now is the time to cash out. It’s unrealistic to wait for years for a good time to sell. Selling at the next peak is how you make the most of your past investments. Or if you have invested in businesses in the past, perhaps now would be the best time to collect on that good faith. Avoid currently investing however, since the idea is to bring your debt down—not engage in a new business venture that seems promising. 

    Sell Your Second Car

    You and your spouse are getting on in age, and really—how often are you apart now? To help pay off your loans, consider getting rid of your secondary car. Not only will you not have a payment every month but think of all the gas money and maintenance costs that will be saved too. Or consider cutting down on your costs during the month by lowering the number of times you leave during the week. Carpool is good for the environment and great for your wallet. 

    Get a Renter

    Other than downsizing your home, another great way to make money from your house is to get a renter. Becoming a landlord can be a mixed bag, of course—but for the right cost, a college kid or even a senior may be happy to rent from you. The closer you are to amenities, the better if you’re looking to rent. 

    Alternatively, you can think about renting out the property to places like Airbnb if you are not around much. Or you can rent the area to be used as a venue if it’s beautiful. There are a lot of ways you can make money on your home to help pay with your debt, you just need to get creative.

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    How Do Cases Get Dismissed?

    August 9th, 2021


    A criminal conviction in Florida has life-long ramifications. You could lose access to housing, job opportunities, educational opportunities, your voting and gun ownership rights, and custody of your children. Non-citizens could lose their immigration status and be deported. Some of your civil rights may be restored to you through the Florida Board of Clemency, but a criminal conviction remains on your record for life. However, if your case is acquitted or dismissed, you may request that the record of your arrest be sealed or expunged from the public record. 

    There are many reasons for a case to be dismissed, even if the evidence against you is compelling. If the offense is minor, and you have no previous records of arrests or convictions, a prosecutor may choose to dismiss the case against you, provided that you are not arrested again within a certain period of time. However, the prosecutor may refile the original charge if you are arrested again after the charges are dismissed—other reasons to dismiss include, due process violations, lack of evidence, and prosecutorial misconduct.

    Due Process Violations

    The state may not detain someone or confiscate their property without probable cause to suspect that a crime is taking place. For example, an officer who pulls a car over for speeding can search the car for drugs if they smell marijuana, but not because of a “legalize medical marijuana” bumper sticker on the vehicle. Many cases are dismissed because the defendant was detained unlawfully – either the officers did not have probable cause to arrest, did not obtain a search warrant, or the charge itself was unconstitutional. Once detained, the police are required to notify you of the charge(s) against you and your rights under the law. Denial of these is a violation of due process and may be grounds for dismissal.

    Lack of Evidence

    A prosecutor must be able to provide evidence that the accused is guilty of the charges against them. And they must provide any evidence to the defense, including a list of witnesses that the prosecution plans to have testify. If the prosecutor does not have this evidence, or your defense attorney can show that the evidence was gathered unlawfully, then the case may be dismissed. 

    Prosecutorial Misconduct

    Prosecutorial misconduct occurs when the prosecution interferes with the right of the accused to a fair trial. There are several ways that this can happen. A prosecutor might make public statements about the case before it goes to trial, resulting in a tainted jury pool. Prosecutors might also fail to identify a witness as an expert, or withhold exculpatory evidence, restricting your attorney’s ability to defend you. Some prosecutors may even attempt to intimidate the jury or defense witnesses. Evidence of any of these actions is grounds for a dismissal.

    Everyone has the right to due process and a fair trial. If you believe that you have been wrongfully arrested in the Florida panhandle, you should immediately contact a skilled criminal defense lawyer in Pensacola to fight for your legal rights. They will study your case and determine if you were afforded all of your legal rights when you were arrested. They will work to get your case dismissed if there is any indication that you were arrested in an unlawful manner.

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