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Dana R

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"You can have everything in life you want, if you will just help other people get what they want."

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Since its launch back in 2015, Ethereum has become the world’s second most popular cryptocurrency – which is no small feat.

Right now, it’s just behind Bitcoin in terms of value, but this could soon change in the future. Crypto analysts and traders are keeping a close eye on the situation, with many of them predicting that Ethereum could overtake Bitcoin as the highest-value crypto.

Plus, with Ethereum 2.0 (an update to the Ethereum blockchain) coming soon, this seems more likely than ever.

With this inmind, it’s to be expected that millions of people are interested in Ethereum. Specifically, they want to invest. If you’re one of these people, you’ve come to the right place.

Below are some steps you should follow to get started with Ethereum.

Step 1: Select a Cryptocurrency Exchange

Before anything else, you need to select a cryptocurrency exchange, as this is how most cryptocurrencies are purchased in 2022. Remember, you can’t purchase cryptocurrency through banks because crypto doesn’t have a central regulator, which is something that banks don’t like.

There are plenty of crypto exchanges that you can choose from across the internet, like Coinbase and Bitstamp. The one you go with is entirely up to you – however, you should only choose one of the trusted and reliable platforms.

After joining a crypto exchange, you can then purchase Ethereum as well as various other types of cryptocurrencies. Before doing this, though, you should know the Ethereum current price at okx.com. The value of a cryptocurrency is determined by market interest. So, if Ethereum was to ever suddenly go up in value, then that’s a strong indicator that it’s a good time to invest.

Select 2: Make the Trade

Once your account is verified and ready, you can then start to trade your dollars (or other currency) for Ethereum. Ethereum’s digital currency is known as Ether (ETC), so the amount you purchase will be shown as the percentage of an Ether coin.

For example, today, the cost of a single Ethereum coin in US dollars is $1,641.25. Tomorrow, this could go upwards or downwards – it’s entirely dependent on market activity.

Let’s say that your first move as a new account holder on a crypto exchange is to trade $100 for Ethereum. Today, this would return you 0.063495 Ethereum.

Step 3: Decide on Your Storage Method

When it comes to storing Ethereum (or any type of crypto), you have several options.

If you want to, you can store it directly through the exchange that you purchased it from.

Or, if you want an extra layer of security, you can transfer your crypto to a hot wallet or cold wallet, which is your personal wallet.

Cold wallets are generally seen as the safest option because they are offline wallets. This means that they aren’t connected to the internet, making it impossible for cybercriminals to hack and steal from them.

After storing your ETH, you can then use it for whatever purpose you like, such as buying goods and services online. Or, you can adopt the classic trading tactic of ‘buying low and selling high’, which is when you sell your ETH during market value increase periods.

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It’s scary to consider the extent to which our day-to-day work schedules rely on a reliable supply of electricity. Without it, your business could be thrown into disarray, with its employees potentially having to resort to awkward workarounds, like attempting to get work done on their smartphones.

To help prevent this kind of thing from happening, your business should invest in a power protection device known as an uninterrupted power supply (UPS). Here are some of the most compelling purposes a UPS can fulfill once put in place.

Preventing damage to electrical appliances

Contrary to popular belief, electricity is not delivered to workplaces in an entirely steady fashion. Though Mighty Gadget cites the “ideal voltage supply” as 120 volts, in some geographic areas, the voltage can fluctuate between 100 volts and 160 volts.

Unfortunately, surges or drops in voltage can inflict damage to electrical devices in your workplace – but a UPS can moderate the flow to help protect this hardware from damage potentially necessitating hundreds of pounds’ worth of repairs.

Temporarily replacing the main power supply if it is interrupted

Of course, if a power cut besets your business base, it hopefully won’t be left in the dark (literally and metaphorically) for too long. However, this loss of electricity could still last long enough to risk you losing valuable data you were in the middle of working on.

It’s reassuring, then, that one of the main aims of a UPS is to provide short-term power so that employees can save their progress and shut down their office computers.

Countering risks of natural and non-natural disasters

When a power cut does strike, chances are that somebody somewhere is uttering one word: “Oops.” That’s because construction workers as well as tradespeople working on utilities can inadvertently disrupt power supplies, as can tree surgeons who fell trees.

Often, though, natural disasters – like lightning, floods and strong winds – can actually be to blame. Whatever the culprit when a power cut arises, you can expect a UPS to quickly kick into gear as a direct consequence.

https://pixabay.com/en/linkedin-in-network-profession-911794/

Saving time for your workers

Obviously, it would be tragic if, as a result of your workplace’s electricity supply suffering, members of your team lose a lot of work that had taken up a significant amount of their time.

However, a UPS can act as an extra line of defense against the potential loss of this work. A LinkedIn article explains that, “within a few minutes” of the power cut, a UPS can restore power long enough for the in-progress work to be completed there and then.

Providing power of a consistent quality

As a UPS can deliver strong power both consistently and continuously, workers don’t have to fret so much about, say, their laptop displays flickering or the sound from their electrical devices being interrupted.

It can be an especially good idea to implement a UPS power supply for a server room or data center, since these are settings where a reduction in power quality can be felt relatively easily.

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For sweltering summers, linen is the perfect hot-weather fabric. For centuries, men throughout time have worn linen material to keep cool and stay cool, no matter the temperature. You might be wondering, how can linen regulate heat so well? It’s all down to the plant its made from! Linen is a natural fibre derived from the stalk of a flax plant. Flax plants make textiles with brilliant moisture absorbency and breathability, having a lower thread count than cotton. Coming from this abundant organic material, linen garments are made to be worn in the natural world – sun and all.

With this in mind, for the modern man, linen should already be a staple of your everyday wardrobe! If you want to know more about linen and, most importantly, how to wear it fashionably, do read on.

The best qualities of linen

We have previously mentioned that linen has impressive moisture absorbency and breathability, but these qualities are only the tip of the linen iceberg! Linen is also hypoallergenic, meaning sweat won’t break it down over time. The lower elasticity of linen makes wicking away moisture easy but also increases the strength and longevity of the material. Really, the best thing about linen is that – the more you wear it – the more comfortable it gets! Calling back to the brilliance of the flax plant, flax fibres are extremely resistant to the usual wear and tear of clothing; even pretty rough abrasion and folding can be tolerated.

How to wear linen

Suits

Every man should own a good suit or two – one for hot weather and one for cold, at least. Linen suits are the only option for a warm summer. Tan linen suits are an option we would particularly recommend, as their neutral tone can complement a range of environments; belonging as much to a casual dinner party as a corporate office or wedding venue.

If you’re unsure about where to buy your linen suit from, we advise you take a look at T.M Lewin; certified suit specialists whose linen suits combine the best of comfort and style to create a true wardrobe fixture.

Shirts

If a linen suit would be out of place in your current wardrobe, consider investing in a simple linen shirt. Linen shirts are attractive and easily tailored to fit your unique form. We suggest layering a linen shirt over a T-Shirt and shorts to elevate what would otherwise be an excessively casual look!

Trousers

Picking trousers that can keep you comfortable in boiling temperatures is no easy feat. Trousers are either too tight, too warm or too scruffy looking for the summer! Fortunately, linen trousers are here to save the day. Even in dark shades of brown, navy and black – a colour palette that tends to absorb warmth rather than reflect it – linen is a material that won’t overheat. Linen trousers, thanks to their stellar moisture absorbency, also won’t loose their crisp shape over time.

You don’t have to worry about wearing your trousers down, and you don’t have to worry about finding smart clothes to match! Linen trousers can be worn casually or smartly; attractive regardless of whether you wear a sweatshirt or button-down.

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Although you know your HR department as the people who hired you and the people who you tend to want to avoid, they can actually be a really useful asset to employees who are seeking career development. So, without further ado, here are 6 ways that HR departments can help employees thrive.

  1. Career planning

HR are focused on helping the business to succeed, but they’re also aware that businesses won’t succeed without employees who are good at their jobs and want to move forward.

Your HR manager is a good person to go to if you want some help on next steps to achieve your goals or if you want some advice on identifying your strengths and weaknesses, for example.

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  • Offering continuing education and training

Many companies offer tuition reimbursement, especially if the degree or certification is something that can directly help the company. It’s worth asking HR because most of the time there’s a good chance your employer will make some money available for you.

Even if you’re not seeking a degree, there will be many online classes or courses you could attend.

  • Medical assistance

It’s a good idea to seek legal protection if you or a loved one is suffering with health problems. Rather than missing work and risking getting in trouble for violating attendance policies, HR can provide you with paperwork to protect you. Most companies also have some kind of employee life insurance  they can add you to.

  • Whistleblowing

All workplaces will have a dedicated person whom you can talk to but remember that HR is always there to help too. No matter what violations you’re reporting, the HR department will be able to set up an investigation and get to the bottom of the issue.

  • Recruitment and induction processes

In order to be successful in a role in the first place, HR will ensure the role is right for you and you’re right for the role. Once the recruitment process is over, they’ll then begin the induction process which will ensure you hit the ground running on your first day.

Having a proper recruitment and induction process at the start of an employee’s journey is vital to ensuring the successful running of any company and ensuring that all employees thrive within their workplace.

  • Coaching line managers

HR departments coach their line managers to lead their teams (you) effectively! Without this process, managers won’t have the ability to provide clear direction and expectations, have good communication skills or have the confidence to build trust and recognise performance – all of which will have a direct impact on the success of the employees under that manager.

How can HR departments help employees thrive? Final thoughts

To summarise, HR departments have a huge amount of influence and impact through people-oriented strategies that focus on engagement and leadership, which will ultimately drive employee and business success. HR departments have their own practices in place to ensure every employee is performing as they should, but it’s equally important for employees to know that they can speak to HR at any time about any issue they’re having.

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Advertising is a powerful tool for businesses. It helps them reach potential customers and increase sales, promote their brand and gain attention for all the right reasons. Tagline marketing can be a particularly effective advertising technique – but just what do we mean by this, and why does it work so well? Let’s take a closer look.

What Is Tagline Advertising?

Tagline advertising refers to the use of short phrases or slogans that are often used as part of an ad’s copy or headline. They’re typically used in ads that have a strong visual element such as TV commercials, radio spots, print advertisements, and billboards. The most famous tagines are those that you instantly connect with a brand or product – we all know where “The happiest place on Earth” is, or which brand is advertising when they say “Just Do It”. The goal for businesses is to create an instantly recognizable phrase or slogan, which allows them to communicate effectively with customers.

Why Does Tagline Advertising Work So Well?

The reason why tagline advertising works so well is because people respond to things that they recognize. A tagline is something that everyone understands immediately, and therefore has a much higher chance of connecting with your target audience. This makes it a very effective way of communicating with consumers, especially if you want to get across a specific message quickly.

Some of the main reasons that tagline advertising works so well include:

  1. You can make a connection with your audience almost instantly.

With a short, sharp tagline, you are creating an instant connection with your audience, making it easier for them to remember the message you’re trying to convey.

  • You can stand out from other competitors.

By using a memorable tagline, you’ll be able to attract more attention than your competition. If you’re looking to sell products online in a crowded or saturated market, then having a catchy tagline could be crucial to getting noticed.

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  • You can easily incorporate your tagline into any communication medium

If you’re planning on running your own campaign, then you can easily add your tagline to any promotional material that you send out. For example, if you’re promoting a new website design, then you can simply add your tagline to the top of your homepage, or use it as a hashtag on social media.

  • You don’t need to spend too much money on advertising

One of the biggest advantages of taglines is that they cost less than many other forms of advertising. With a simple tagline, you won’t need to invest a huge amount of money to get your message across.

  • You can create a unique experience for your customer.

A great tagline can also help you create a unique experience for the consumer. By adding a tagline to your site, you can encourage users to take action, and give them a sense of urgency.

Why Wait?

Adding a tagline to your advertising campaign can be a great way to get your message out there, connect with customers, and boost your profits. With all these benefits in mind, now is the time to get creative!

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The world of finance is difficult to get into and manoeuvre around to your advantage. No matter what business you operate, there are going to be times when you make more money than you expected. However, what about the times when you get a false positive? Your first instinct may be that there is some fraudulent activity going on that you feel unsure about. So, what is a false positive and how will it affect the overall journey for your customers? That’s what we are going to find out below.

What is a false positive in finance?

When a false positive appears, it’s since the business suspects an order is not quite what it seems. In fact, it’s very likely that an act of fraud has occurred. Therefore, it makes sense that the order has been declined. The business does not want to become the victim of fraud. Ultimately, it can be a risk to decline any type of order. After all, it’s extremely hard to know whether it is legitimate. If it is legitimate, then you will simply be declining an order which can reduce sales. Ultimately, this could mean that you are not only losing revenue, but customers in the future.

How does a false positive affect a customer’s journey?

It’s normal that your customer will go through a 5-step journey before they interact with your business. This will include creating an account or logging into an account. They will also show that they have the intention to buy from you by placing an order into their cart. However, if their card transaction fails, it’s likely that they will not be interested in making an order in the future. Therefore, you have potentially lost a customer, as well as any revenue that they planned on spending. Not only does this mean that there are wasted acquisition costs, but it will ultimately damage your brand as a whole.

Image source Max Pixel

What can you do to reduce false positives?

Unfortunately, false positives are a part of business that you will need to try and take care of as well as you can. To understand which sales are genuine and which are false, you will have to keep an eye on your customers to understand their spending habits. Most businesses rely on customers to contact them about false positives, but you may also see genuine buyers try to purchase your products for a second time.

You can help reduce false positives by:

  • Becoming more aware that not all false positives are examples of fraud
  • Using AI, Machine learning and automated payment software, like Xelix
  • Establishing the identity of your customers to prevent fraud

Do you know what to do about false positives?

If you have opened a business, it’s crucial that you understand as much as you can about false positives. They can impact your sales and cause you to struggle with retaining your loyal customers. Thus, with the information in this guide, you will be able to future proof your business and mitigate this risk. The more you understand about your false positives, the more you can increase the amount of business you receive.  

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Right now, it’s clear to see that there is a nursing shortage in many areas of the world, including the US. Therefore, there is an effort being made to attract more people to the profession; there is a need for more nurses because the population is getting older, and it’s growing at the same time, meaning that healthcare has to be a priority. The more nurses there are, the better the world can take care of those who need help.

The issue with recruiting people to become nurses is that there are often negative things said about the profession that can cause those who might be interested to think again, and potentially ensure that some people never even consider nursing in the first place. This is a shame, as there are many benefits to being a nurse, and if more people were aware of them, then more people would train to become nurses, and the problem of numbers would be at least some way to being solved. With this in mind, read on to discover what some of the best things about being a nurse are, and it might make you realize that this really is the career for you. If you’re already a nurse, it might make you realize you’ve made the right choice, and push you to do more.

High Job Security

With technology making the world a completely different place to what it was just a few years ago, and this certainly being accurate when you think of career possibilities, it’s not easy to choose a job that will still be valuable and needed in years to come. Something that you can train for today could disappear due to advancements in technology or simply the lack of resources or consumer need. This would be an unfortunate position to be in, and it would mean that you have to effectively start again, and use your skills in a different area.

Nursing isn’t a profession in which you have to worry about that. Although technology does play a part, and although the role of the nurse will change as time goes on, nurses will always be needed and therefore, when you have nursing qualifications, you’ll have the peace of mind that you’ve chosen a secure job.

The Most Rewarding Career

There is a big difference between a career and a rewarding career. In the former, you go to work, do what you need to do, perhaps push yourself further, but really, when you think about it, what you’re doing isn’t that important. If you didn’t do it, it wouldn’t matter. In the latter, what you do definitely matters and you can see that every day. Clearly, nursing is a rewarding career.

If you decide to study to become a nurse, you’ll enter one of the most rewarding careers you can find. There are very few professions in which you actively change people’s lives, and even save those lives, on a daily basis.

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Career Advancement

Another great thing about being a nurse is that you have complete control over your career, and if you want to move forward and advance, there are always going to be avenues for you to take that will allow that to happen. Some nurses will want to work in a specific department, and they will gain skills and experience in that so they can take a job when it is offered. Others will want to become a leader and manage a team, in which case they will need a University of Indianapolis DNP degree to help them. In other words, no matter what kind of nurse you want to be or what level of nursing you want to reach, there will be options open to you.

If you’re not sure what you want to do, you can also find plenty of help to advise you and guide you to making the right choice. Nursing is very much based on teamwork, and this extends away from helping patients and into other areas, including career progression.

Transferable Life Skills

When you think of why nursing is a good career and some of the best things about it, it’s a good idea to consider it as a microcosm of the rest of the world. The things you learn during your nursing training and then when you are working are often very specific, but there are many things you’ll learn that can be used in other areas of your life. These transferable life skills can help to make you a happier, healthier, more productive person outside of work as well as when you are nursing your patients. It can be hard to determine exactly what these skills are, especially when you are working and they are simply a natural part of helping others, but they include:

  • Good communication
  • Compassion
  • Empathy
  • Good listening
  • Punctuality
  • Ethical working practices
  • The ability to stay calm in a pressurized situation
  • Critical thinking
  • Continuous learning

Once you note them down, it’s much easier to see how a nurse could use these skills – and others – on a daily basis, but also how they might use them in other areas of their lives.

An Inspiring Career

Imagine a career in which you are able to inspire people every day, through even the smallest of actions. Most people would like that feeling, and it is certainly something positive. When you are a nurse, that’s the kind of thing you’ll be doing even without realizing it, and it’s another of the best things about being a nurse.

Nurses are incredibly hard working, and they see both the most joyful parts of life, and the saddest and most difficult. Yet they continue to be professional and dedicated to their patients no matter what. Ofcourse they are going to inspire others. Even if those people they inspire don’t become nurses, they will still understand why doing good and working hard is important, and that can make a big change in someone’s life, and the lives of those around them.

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With the threat of the COVID-19 pandemic having faded in recent months, you could, as a business owner, once again feel comfortable with the idea of meeting potential clients up close and handing them a physical card as a reminder of your company and how to contact it.

However, one statistic shared by Real Wealth Business suggests that about 90% of all business cards distributed are thrown away within a week. So, the onus is on you doing what you can to make sure your card not only catches the eye but also keeps it for as long as possible.

Go for a colored business card 

You might not have realized that a colored business card lasts ten times longer than a standard white business card before being discarded. 

Hence, it’s worth taking the time to be creative with your card’s design — especially as, according to another statistic, sales grow by 2.5% for every 2,000 business cards given out.

Remember to include the relevant contact details 

While opting for a minimalist look with your card might make it stand out in a sense, you should be wary of stripping away too many elements. Designer and illustrator Sam Hampton-Smith advises in an article for Creative Bloq: “You’ll typically want to include at least a business name, phone number and email address.”

He adds that, depending on exactly what communication channels your business has, you should probably also include a website address, a physical address and social media handles.

Make your business card ‘dual-purpose’ 

Depending on the industry in which you operate, it could be both wise and clever for you to design your card in such a way that it can also serve as something other than a business card.

Whatever that second purpose is, verify that it is genuinely relevant to your company and its target audience. A card for a drinks seller, for example, could also constitute a bottle opener, while an eco-conscious company could make its business card a packet of seeds.

Image source PxHere

Give your card a custom finish 

That way, the person you give the card to could quite literally feel the difference as soon as the item touches their hand. You only get one chance to make a good first impression, as the saying goes…

The various custom finishes from which you could choose include foil blocking, metallic and spot-UV finishes. While adding custom finishes to cards can inflate the cost of creating them, you could allow for long-term savings by buying your own print finishing equipment

Thoroughly spell-check a card before printing it out 

Imagine how your heart could sink if you printed out thousands of cards only to realize a silly spelling error sticking out like a sore thumb on each of them.

Hence, before printing business cards in any design, you should repeatedly go through its text with a fine-tooth comb and potentially also ask someone else to check that copy for you, lest you end up having to reprint the entire batch of cards. 

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Obviously, the primary purpose of an electric light is creating light in a space where sufficient light would otherwise be unavailable. However, different light fixtures can vary in exactly what kind of illumination they create — and, of course, the design of the unit in which they are encased. 

Hence, it can pay to be picky about precisely what lighting pieces you source for your home. Here are a few things you could do to guide yourself towards making the right choices.

Measure the space itself 

“To be sure a ceiling fixture is large enough for your space, especially a chandelier, a quick guideline is to measure the length and width of the room,” designer Billy Ceglia tells The Spruce. “Then add them together and convert to inches, and that will give a standing point for the ideal size for a light fixture.” 

He further explains that a fixture of 36-inch width, for example, would suit a room spanning 20 by 15 feet. However, you should also…

Consider the fixture’s visual weight 

This needs to be another factor before you decide whether a particular light fixture is just the right size for the room where it is intended to be installed. 

Ceglia notes that if the lighting unit in question is “light and airy, it may be better to size up”. Meanwhile, with a “dark and massive” alternative, “sizing down might be a better option.” Fortunately, when you peruse, say, the wide range of Pagazzi lighting solutions, you could boost your chances of a successful find. 

Balance architectural lighting with decorative lighting 

Designer Barry Goralnick urges you to strike a “perfect” balance here. “Integral lighting on the ceiling gives an overall glow, and is best to light art and sculptures as well as the more mundane tasks like cleaning,” he says.

Goralnick adds that, in contrast, “table and floor lamps illuminate reading, games, and intimate gatherings.” If the room has screens and planters, these “can be even more drastic with lighting on the floor,” he continues.

Mix up the levels of lighting in your home 

Naturally, particular lights tend to be designed for use at specific levels. For example, while chandeliers can serve a striking aesthetic purpose, you are unlikely to rely heavily on them when undertaking certain intricate tasks, like unscrewing the battery compartment of a TV remote.

Scenarios like this are one reason why it would be wise for you to vary exactly where in the room you position lighting. Doing so can eliminate dark areas while creating a soothingly ambient lighting effect.

Consider when the lights are likely to be used 

During the day, especially in the summer, you could opt to keep many of your home’s lights switched off, given abundant natural sunlight available and appreciable savings you could make on your household energy bills. 

However, as an Ideal Home article notes, “a piece may only reveal its full potential when illuminated” — and a light “may become far more exotic once darkness falls, casting wonderful rays and shadows”. 

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Now more than ever, it’s important to look at ways of making your lifestyle eco-friendlier. Many people do this with numerous aspects of their daily lives, such as altering their diets, travelling, and recycling. But one of the biggest polluters in the world is the beauty industry, and as a result more people are looking for ways to make their beauty routine eco-friendlier. Thankfully, there are many easy changes you can make to achieve this.

Look for more eco-friendly products

Due to the high pollution rate of the beauty industry, more and more companies are making the effort to produce and market their goods in an eco-friendlier way. For example, many beauty and pharmaceutical companies use cannabinoids found in the cannabis plant to make their products. In an effort to be more sustainable, wellness companies like Cellular Goods are using lab-grown cannabinoids instead, helping to reduce their carbon footprint. When shopping for such products, take the time to find out whether they’re produced in an eco-friendly way to ensure a more sustainable beauty routine.

Switch off your water

An easy way to be more eco-friendly is to switch off your water when starting your routine. Too many of us tend to leave the tap running when brushing our teeth or washing our face, which ends up wasting a lot of water. Make sure to switch off the water when it’s not needed and in the long run your routine will be eco-friendlier.  

Use what you have

It can be tempting to buy the latest improved product the moment it’s available. Even if it’s an eco-friendlier product, it’s often not worth abandoning what you already have. Try to use what you already have before buying a replacement, but if you do have products that you’re unlikely to use again, consider donating them to a friend so they don’t go to waste.

Refill your empty bottles

Many companies are now offering refillable versions of their products. This means that when you finish using a particular product you can refill using the same container you were using, rather than buying a whole new one. Many products do this by offering refillable pouches or containers with their products. This has the benefit of reducing the amount of plastic used but can also be an economically beneficial solution for both the company and the customer.

Make your bathroom eco-friendlier

To make your beauty routine as eco-friendly as possible, it’s worth looking at ways you can make everything in your bathroom more sustainable. As well as beauty products, many of the items you use every day can be swapped out for more environmentally friendly alternatives. For example, consider a stainless-steel razor in lieu of disposable ones, and toothbrushes with stronger bristles that will last longer. Many toothbrushes also come with replacement bristles, meaning you can simply replace them rathe than buying a whole new toothbrush.

If more people were to introduce these simple changes to their beauty routines, the long-term effect on the environment can be significantly improved.

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The decision to seek money from a bank or credit union is not easy, but it is often necessary. This cash injection can help you get back on your feet, sort out your finances, and solve emerging problems. If used responsibly, lån på dagen can help you back on your feet.

Lenders base their decisions on approval on several factors, including credit score and income, employment status, residence stability, liquidity issues, etc. So they need to check your entire financial standings and make sure you can repay the loan at the agreed time.

Banks and other lenders are happy to work with solvent and responsible clients. But if the mentioned parameters are not by their rules, they can reject your application. You might be denied by mistake, for example, because of inaccurate information on your credit report. So you should always discuss that decision with the lender and do double-check.

Know the Reason for Denial

Getting a denial letter can be heartbreaking, especially if you’re a first-time loan applicant. But that shouldn’t discourage you. If your application is declined, you can ask for an explanation. Luckily, there are ways to get around the reasons for this lender’s decision.

Understanding the reasons behind loan denial will help you avoid repeat rejections in the future. Lenders base their decisions on various factors, including your credit score and income. Suppose you have problems with these parameters, but it’s not too urgent for you to take a loan. In that case, it’s always better to improve your overall credit standings than to accept loans under fairly strict conditions.

Improve Your Credit Rating

Most lenders have second thoughts about loan approval if your credit score is below ‘good’ (usually 680). The lower this parameter is, the stricter lending conditions will be. But in most cases, if your score is below 600, it’s considered poor, and your chances for approval are almost none.

Being turned down won’t change your credit score, but your actions after denial will. But hard inquiries will lower your score. Applying for more than one lo in a short period can also affect your score. So try to reduce the number of applications in the next coupanle of months.

Also, your credit score depends on your payment history and behavior toward financial obligations. If you have a record of late or missed payments, it will negatively affect your credit score. So try setting up an autopay for your account.

Unused credit card limits also lower your rating. So if you don’t use your credit cards, lower your limits or start using them. An even better option is to increase your card limit and use two-thirds of it if you can afford that. Then, paying your balance in full each month will significantly boost your credit score.

Look for Credit Report Errors

There are situations when all your financial parameters are good, but you are still denied a loan. There could be some errors or non-updated information that messed everything up. So reach out to credit bureaus to look for possible omissions and fix these mistakes as soon as possible.

There may be information on your report that contradicts the information you provided, such as an incorrect Social Security number or address. These could be computer errors or fraudster actions, which you shouldn’t be held responsible for.

Assess Your Debts and Income

Too much debt is another common reason why lenders deny loan applications. The parameter in question is the debt-to-income ratio. It compares your monthly debt payments to your gross income. When more than 40 percent of your monthly income is burdened with debts, lenders can be wary of your application.

So if you got ‘No’ from a bank or credit union because you have too much debt, you should focus on paying down current accounts and making on-time payments. Try to solve the highest debts first and don’t make new ones, at least for a couple of months. Or, if you can, find ways to increase your income.

Check the following link for more tips on boosting your income:

https://www.indeed.com/career-advice/starting-new-job/how-increase-income

Think about Secured Loans

A secured loan requires you to place some valuable asset as collateral. Lenders suggest these agreements when your financial standings are not perfect, but they seem promising. They use the collateral to recover their losses if you fail to make your payments. But lenders assume that won’t happen.

Most people wouldn’t risk their cars, retirement savings, or anything they pledged because of missed payments. So if you choose this option, get pre-qualified with them so that you can compare their rates and fees. Once you’ve gotten pre-qualified, submit a formal loan application.

Getting a Co-Signer

Lenders could reject your loan because you’ve asked for too much money without cover. So you could get co-signers to reapply. Also, if you’re young and still don’t have a credit rating but can pay your installments on time, a co-signer can help you qualify for a loan. They will also increase your chances of qualifying for a lower interest rate than you can on your own.

Co-signers are something like a financial cushion if you can’t make payments. While this type of agreement lowers the risk to the lender, co-signers take certain risks. You should discuss the consequences of missing payments, as co-signers have no equal access to the loan funds – just an obligation to pay your debts if you fail to do so. More about co-signers rights and obligations find out from this source.

Look for Other Lender

You can always look for other lenders if your first application has been denied. You can explain the situation and get a second opinion. Some of them might have more lenient requirements or are specialized for applicants with poor credit ratings. So depending on why you’ve been rejected, the lender may be willing to accept your appeal.

Rejecting a loan application is not the end of the world, especially since this decision doesn’t hurt your credit rating and is certainly not final. You can always try again. Meanwhile, identify the reasons for the rejection and work on them to improve your chances of approval.

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In the UK, the cost of living has grown at its fastest rate in nearly a decade, as consumer watchdog organisation Which? has noted. In February, hearts across the country sank when energy regulator Ofgem revealed that the energy price cap would rise by 54% in April, as The Sun reported.

Fortunately, there are more than a few ways you could help financially cushion yourself against the rocky road ahead — and some of those techniques, like those listed below, might have long eluded your notice.

Think twice about switching energy supplier 

While perusing the tariffs available from various energy suppliers would usually be a reliable way of confirming that you are on the best deal possible, many people are currently likely to be in a situation where switching definitely wouldn’t be a good idea. 

For example, if you are on a low-priced fixed-term deal, you are unlikely to find anything just as cheap elsewhere. If you do need a new tariff, a variable or default one might be the best bet for now.

Consider buying new, more energy-efficient appliances 

If all of your existing appliances currently work fine in terms of their core functionality, replacing many of them now could prove a false economy. However, if any particular device you have needs replacing in any case, you should make sure the replacement is an energy-efficient model. 

Keep in mind that, even when two particular machines have the same energy rating, they can still differ significantly in how much energy they consume in practice.

energy consumption
Photo Source: wellsphere.com

Add fresh insulation to the home  

As well as adding what you might call ‘proper’ insulation to the loft and to any hot water pipes and tanks in your home, you could insulate the property through other, less direct means — like adding cosy furnishings and installing draught proofing. 

Many households in the UK could also utilise the award winning loft boarding service from Instaloft to ensure the loft can be used in a way that does not hamper the effectiveness of its insulation.

Wash in a strategically cost-effective way 

As revealed in various statistics shared by the Energy Saving Trust, you can slash your yearly energy bill by about £28 just by using your washing machine on a 30-degree cycle — rather than higher temperatures — and, over the course of the year, reducing your washing machine use by one run per week.

Meanwhile, if you tend to use a shower rather than a bath to wash yourself, showering for just four minutes at a time could potentially save your household £70 a year.

Reassess lighting and how often it is switched on  

When you leave a room, remember to switch off any lights fitted in it. Simply getting into this habit can net you an annual saving of approximately £20 — or potentially even more if those lights are LED bulbs rather than standard lightbulbs.

On a similar note, it would be wise for you to turn out-of-use appliances off standby mode, as doing so could save you a further £55 yearly. 

Social Democratic Party Senator Alfred Laurentiu Mihai attended the meeting of the General Committee on Justice, Home Affairs and Security Cooperation of the Parliamentary Assembly of the Southeast European Cooperation Process (PA SEECP) in Athens, hosted by the Greek Parliament.

On this occasion, the members of the committee debated the draft report and resolution on “Protection of human rights, in particular the rights of vulnerable persons”.

He declared on his Facebook page:

“I mentioned in my speech in the plenary of the Senate Hall of the Hellenic Parliament during the meeting that we strongly and unequivocally support the defense of human rights and the rights of vulnerable people, and I also mentioned the situation we are facing regarding the wave of refugees in Ukraine following the military aggression of the Russian Federation!
In my speech I also mentioned the efforts Romania is making to support Ukrainian refugees by offering them facilities such as: food, accommodation, free access to the health system, free access to the education system for children and the right to work without a permit for a period of 12 months with the right of extension.

Ar putea fi o imagine cu 2 persoane, persoane în picioare şi text care spune „ΒΟΥΛΗ ΛΛΗΝΩΝ”


Last but not least, I reminded that the Romanian people show solidarity and humanity towards our Ukrainian neighbors and I conveyed that the Romanian Parliament strongly condemned the aggression of the Russian Federation in Ukraine, considering the attack in Bucha and other cities as war crimes and crimes against humanity!”

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The coronavirus pandemic has had a profound impact on almost everything imaginable, including the oral language of more than 90,000 pupils in the UK. With this in mind, here are some of the ways that you can help to support your children or pupils’ developmental skills through play when targeted support is not as readily available as it has been previously.

Targeted creative play

Creative activities are great at helping children to develop their problem solving and critical thinking skills. When they explore with different toys they are provided with an opportunity to develop their understanding of the world around them and to question things that they experience.

For example, Lamborghini ride on cars can help children to develop not only their fine and gross motor skills, but their oral language skills too. By taking advantage of the child’s interests, you can encourage them to speak to you about what they’re doing, why they’re doing it and how they might adapt their play to better meet their needs or wants.

Reading activities

One of the key ways to nurture language development in children is by encouraging interaction between young people in the first place. Peer learning opportunities should be given as much as possible, including dedicated reading time.

Reading to children is an invaluable method for improving their language development. When children have the chance to listen to language they absorb the different methods of communication and the various forms of language that they’re being exposed to. Even if you can’t see any changes right away, you can rest assured that the child you’re reading to is taking in everything you’re saying.

Puppets

Using puppets is a great way to encourage children to vocalise their emotions and invent their own conversations among themselves. Children often feel more confident with their oral language when communicating through the medium of toys, so providing puppets allow them to make up their own stories, practise different voices and act out a variety of scenarios.

Singing

In the same way that allowing children to make up stories helps them to use their words, rhymes and songs also encourages children to make use of their voices to communicate with one another. Children often learn patterns of language and vocabulary words when listening to and taking part in rhymes and songs. By making language fun, children are more likely to want to engage with it and will improve to a greater extent than if they were forced to copy out of a vocabulary book or equivalent.

Final thoughts

The bottom-line is that language is scary – even for adults! Children should never be made to feel inferior or not enough because they’re struggling with their oral language skills. Use targeted play as much as possible with your children or pupils to help them with their language and communication whilst there is a shortage of specialist help available to them.

Yes, the pandemic has negatively impacted our lives, but equally, the lives of thousands of children have been turned upside down too. But with these ideas in mind, we can assist children in the areas of development that they may have missed out on during this uncertain time.

Social Democratic Party Senator Alfred Laurentiu Mihai had a meeting today with Bonnie Carroll, the founder of TAPS (Tragedy Assistance Program For Survivors), who came to Romania at the invitation of the Social Democrat parliamentarian.

According to the announcement made on the personal Facebook page of the Social Democratic Party senator Alfred Laurentiu Mihai, the purpose of the visit to Romania of Mrs. Bonnie Carroll is related to the implementation of the projects of the TAPS association. On this occasion, Bonnie Carroll had a series of meetings in the Senate with the Vice President of the Senate, Robert Cazanciuc, with Senator Radu Oprea and with the President of the Defense Commission, Nicoleta Pauliuc.

The TAPS association will also be present in Romania
Senator Alfred Laurentiu Mihai announced that discussions took place in order to support and support in the necessary steps to carry out the activity of this association in Romania as well. Meetings will also take place on Wednesday at the government level, the Social Democratic Party senator added.
On my last visit to the United States, I had the pleasure and honor of meeting with President Bonnie Carroll, Founder of TAPS (Tragedy Assistance Program For Survivors), to whom I extended an invitation to Romania to implement TAPS projects.

senator-alfred-mihai

Today this invitation was honored and on this occasion President Bonnie Carrol had a series of meetings in the Senate, with the Vice President of the Senate Robert Cazanciuc, with Senator Radu Oprea and with the President of the Defense Commission, Mrs. Nicoleta Pauliuc.
There were discussions in order to support and support in the necessary steps to carry out the activity of this association in our country as well.
Meetings at the government level will follow today.“, is the message sent by the Social Democratic Party senator, on the Facebook page.

senator-alfred-mihai

The Social Democratic Party senator participated today, within the European Affairs Committee of the Romanian Senate, in a debate on the stage of absorption of European funds and the stage of implementation of the NRRP (National Recovery and Resilience Plan).

It is the US Vice President’s first visit to Bucharest, and although it is taking place in the context of Russia’s war in Ukraine, it is a sign of President Joe Biden’s growing confidence in her ability to pursue high-level diplomacy.

In addition, the official visit to Bucharest by Vice President Kamala Harris reaffirms the strength of the bilateral strategic partnership and the firm commitment of the United States to support the security of Romania and NATO allies on the Eastern Flank.

I believe that the presence of Kamala Harris in Bucharest reflects the appreciation of the American administration for the responsible approach of our country in the context of the current security events caused by the illegal aggression of the Russian Federation.

It is in this sense that our partnership must be developed, that American investments in energy, defense, trade and the financial sector become the key elements of a stronger collaboration.

For the stability of the entire Black Sea area, a CONSOLIDATED NATO presence is needed in Romania.

Social Democratic Party President Marcel Ciolacu will attend the meeting with US Vice President Kamala Harris, which will take place in Cotroceni and as President of the Chamber of Deputies and as President of Social Democratic Party, the largest party in Romania, is fully committed to defending democratic values ​​and interests security that the two nations have.“, declared Senator Alfred Laurentiu Mihai, member of the Committee for Foreign Affairs from Romanian Senat.

Sourcehttps://www.facebook.com/MihaiAlfredLaurentiu

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What is a demand-side platform (DSP)? The Digital Marketing Institute has its own succinct definition: “A system that allows buyers of digital advertising inventory to manage multiple ad exchanges and data exchange accounts through one interface.”

Of course, that’s not exactly the world’s most-beginner friendly introduction to DSPs, so the subject will require some further elaboration. Put simply, though, DSPs can help you as a marketer to get your brand’s advertising into many different places especially time-effectively.

What is the rationale for using a DSP?

Over time, the range of advertising opportunities has significantly broadened. Even just online, your brand’s ads can take various forms: banner ads on other brands’ websites, sponsored listings in Google search results, PPC (pay per click) ads on social media sites… and so on.

However, manually approaching one website after another to request spots for your advertising can undoubtedly be slow, cumbersome and boring. Fortunately, thanks to DSPs, it’s not a process you would strictly have to put yourself through in the modern age.

Free stock photo of adult, advertising, business

That’s because a DSP is itself connected to multiple ad inventory supply sources, enabling you to reach them through the DSP. You can save yourself a significant amount of time by giving yourself just one point of contact – the DSP – through which to push your advertising to various publishers.

For you, then, it’s all (relatively) simple. However, there’s a lot of clockwork happening under the hood of the DSP’s machinery, so to say, in order to ensure that your ads end up in places where they can be of particularly strong use. So, what gears are in motion when you do use a DSP?

How a demand-side platform works

Advertisers using the platform are given access to a dashboard where they can upload their creative, specify targets and set a budget. The DSP will subsequently peruse publishers’ networks in search of sites and mobile apps satisfying the advertisers’ expressed needs.

A TechFunnel article explains: “Within milliseconds, the DSP places the ad, manages the payment, and resolves the bid.” Examples of advertising platforms a DSP can access on the advertiser’s behalf include those of Facebook, LinkedIn, Instagram and, yes, Google.

Practical benefits of using demand-side platforms

Since utilizing a DSP platform would save you from having to manually approach and deal with publishers individually, you can hugely streamline the more technical side of the ad-placing process and so free up more time to spend on other aspects of your digital marketing.

This could include devoting more time to targeting people at various phases of the marketing funnel. Some people might simply be aware of your brand, while others might be interested in it or even want to buy from it – and you can now more easily roll out tailored ads for all of these segments.

It’s also now easier to secure ads in formats you want. For example, DSP advertising is available as TV content – enabling you to treat your target audience to especially immersive experiences before you even convert members of this audience into buyers.

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For the majority of people, there will come a time when they finally need to decide what it is they want to do. This may sound daunting, but remember, you can always change your mind – you don’t have to stick with something you don’t like. However, changing to a new career, although entirely possible (and important if you don’t like what you’re doing), is time-consuming, and it can be costly. It can also be difficult, especially if you have responsibilities within the home or financially. Therefore, it’s far better to make the right choice at the start, and this involves asking yourself a lot of deep questions about whether or not the career you are thinking of going into is really the right one for you.

Many people are keen to be nurses. This makes a lot of sense; nursing is an excellent career with a lot of progression opportunities flexible working hours (although potentially not at first), and it is also highly rewarding. However, to become a nurse, you will need to do a lot of hard work, and the intricacies of the job itself won’t be something everyone enjoys. So before you start studying to become a nurse, here are some of the best questions to ask yourself to determine whether this is the right direction for you to go in.

Why Do You Want To Be A Nurse? 

The first question to ask yourself when it comes to your career as a nurse is why you want to become a nurse at all. In fact, this is a great question to ask yourself, no matter what career you are thinking of studying for, just what is it that makes this particular sector interesting to you. Why do you think you will enjoy the work?

There are many answers to this question, and some are better than others. For some people, nursing is a calling – in other words, it’s just the only thing they can see themselves doing, and they instinctively know they will be great at it. For others, it’s a question of where they can put their personal character traits to best use. Others still want to have a career in which they can help people or where every day is different. Some, however, only want to become nurses because that’s what their family expects of them (perhaps it’s a career that many family members have undertaken in the past) or because they can’t think of anything else to do. These are not such good reasons, and in the end, going ahead because of this could mean you become miserable, and you might have to change careers.

What Do Nurses Do?

This probably seems like a very strange question. After all, everyone knows what nurses do, don’t they? The truth is that although people might all have an idea of what it is a nurse does on a day to day basis unless they do research and look into exactly what this career entails, they’ll never know. The public only ever see what the media shows them, or what they see when they go into a hospital or clinic.

Before you can decide whether nursing is the right choice for you in terms of your career, you are going to have to know exactly what it is a nurse does. This means conducting more thorough research. You might read blogs written by nurses. You might read industry reports and journals. Perhaps you could interview a nurse or perform some job shadowing. Just make sure you know exactly what you’re getting into before you start to help you make the right choice.

Are You A People Person? 

Not everyone is the same, and that’s what makes the world such a special place. It means there is a career path for everyone, no matter who you are or what you are good at. If you want to be a nurse, you’ll need to like being around people; it’s a big part of the job. You’ll be helping patients, talking to their families, dealing with colleagues, and generally being with other people a lot of the time. There won’t be much time to be alone. If this is something you would enjoy, then nursing will tick the boxes. If it’s something you don’t think would suit you because you are much more introverted and prefer to work alone, then it’s time to think of something else to do.

Don’t worry, though; just being a shy or introverted person doesn’t mean you can’t still be a great nurse. It simply means you’ll need to do some extra work to ensure you learn how to be with people in a more productive way. This might entail learning how to communicate better or how to listen more. Only you will know if this is something you are able to do. If you know that you’ll be much more effective working alone, you can still help people – there are many careers that offer this option – but you might not make the best nurse.

How to Become a Nurse - Step by Step Guide | All Nursing Schools

Are You Committed To Learning? 

There is a lot of learning involved in becoming a nurse, and that’s something that is going to please some people greatly; they love to learn, and they want to know as much as possible. It’s crucial that you know this in advance; you wouldn’t want the amount of knowledge a nurse needs to have to become a surprise at the last moment. However, there is more to understanding how to study to become a nurse than the initial stages; if you want to be a good nurse, you’ll need to continue learning throughout your career. Will you want to do this? Will you be able to?

The medical sector has changed a lot, and it’s constant change. Just because you have graduated and are now an RN, that doesn’t mean you know everything, and it certainly doesn’t mean you’ll always be on top of all the information you need to be because more and more will be discovered and more and more changes will be made. This is why you need to be completely committed to learning; you must ensure you know what all the latest information is regarding nursing and medicine.

There are many ways to do this, but a lot of nurses like to go back to school. In this way, not only are they learning, but they will receive a qualification such as a post masters FNP which will help them progress their careers as well. The more you are willing to learn, the more you will enjoy your job and the more you can help people.

Are You Resilient? 

Nursing is the ideal career path to choose if you are looking for something that is challenging and in which you can make a difference in people’s lives. Yet it is this challenging aspect that you might need to ask yourself about before you actually go ahead and apply to study for a nursing qualification. What exactly does that mean? There are actually many things that make nursing challenging, and no matter which ones you are dealing with at any particular time, you need to be resilient in order to cope with them.

Remember that in nursing, as in life, what you are aiming for might not be what you achieve. Obstacles will come up, and you will have to be resilient to keep pushing past them. You might have to change your plans or come up with an entirely new treatment option for someone. You might have to concede that there is no treatment and simply make someone as comfortable as possible. The only thing you can’t do when you’re a nurse is to walk away from a difficult situation. You will need to see it through, no matter what; can you do that?

Can You Keep Calm During Emergencies?

Although you can have a lot of fun as a nurse, the fact is that nurses deal with negative things. They are there to help when someone is sick or injured. They are there to help when it comes to life or death. This is why it’s vital you are able to keep calm when there is an emergency situation happening in front of you. You can’t just freeze, and you must stay cool and collected – not only will this help the patient, but it will help everyone else around you as well.

It’s not easy to do this. Human nature is to allow panic to set in when there is an emergency happening; it’s a natural instinct and relates to the fight or flight mode that the body goes into when certain hormones are produced. When you are a nurse, you need to override these feelings and remain completely in control.

Of course, it could be that you have no idea whether you can do this or not. If you have never been in a difficult, urgent situation, you might just not know. Yet you can have an idea of how you would react; are you naturally a calm person, or do you tend to panic about things? The truth is that you can learn to be calm over time, and therefore, although it’s crucial for nurses to be calm, you don’t have to know exactly what to do right away. The more experienced and knowledge you have, the easier it will be to stay calm and do your job.

When it comes to saving some money all of us jump right on board. If you can cut some costs off your variable rate mortgage you would be better off. Not just better off today, but for the long haul. That is, of course, if you approach the refinance correctly. The extra money that you can get, due to the increase in the value of your home, is calling to you. It is hard to resist, but you must refrain from making your life more hectic than it already is.

With that being said, lets go over a few tips that can help you stay on the correct path. Just remember, it is important to know why you need the mortgage refinance. It could mean the difference of taking out another 30-year loan, or not.

Mortgage House Loan Website Login Graphic Concept
Picture Details: https://www.rawpixel.com/image/806738/free-image-rawpixel
  • Increase Your Credit Score: You need to work on increasing your credit score and history. Every loan that you get will go off this number. Everything that you do that deals with the financial world revolves around this score. Do what you can to increase it as much as possible. You need to have some type of revolving credit, such as a credit card or two. Do not spend over 30% of your limits, otherwise it works against you. Charge some things. Pay it off in full each month. That is one way to increase your score, there are many other things that you can do.
  • Compare: The most important thing that you can do when looking to save on your mortgage refinance is to shop around. It may be beneficial to stay with the lender that you have a long history with, but you still need to shop around. You need to not only check the rates, but you need to ask, “What is a refinance home loan?” and “How will you help me?” It is your money, and your loan, so take the helm. That means you need to be in control of your own future, so if a mortgage lender is not willing to meet your needs, do not be afraid to move on to the next option. You do not owe anyone your business. They need to earn your time and money.
  • Cash-Out Mortgage Refinance: Unless this is why you are trying to get the loan you will want to refrain from taking the cash-out. It will give you some money that you can use, but you will once again increase the amount of money that you owe on your house. If your point is to pay off the loan sooner, or get a better interest rate to help you decrease some bills, you will want to borrow just enough money to pay off your current loan.
  • No-Closing Cost Mortgage Refinance: This is a viable route to take in some instances. For the most part, though, you will want to avoid this as well. Yes, it will prevent you from having to pay two or three percent on closing costs, but it will be added onto your interest rates. This way will usually cost you more in the long run, and since you are trying to save money on your refinance solution should avoid this tactic.

Trying to save money on your mortgage refinance loans can be a fantastic way to decrease your rates and your length of time to make payments. It can also be a terrific way to get yourself into trouble. Do not take a loan for more than you can pay off, and do not take advantage of some of the “offers” that the lenders will give you. Many of them sound good up front, but when trying to save money it may not be feasible to take an easy way out. As the old saying goes, “if it sounds too good to be true, it probably is.”

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Given how deeply entrenched AI (artificial intelligence) is in our everyday lives, it’s ironic that few of us talk about it or even really understand what it is.

As the We Are Teachers website explains, though the global economic impact of AI is anticipated to approach $16 trillion by 2030, only 45% of US high schools offer computer science courses. Furthermore, many of these are not compulsory.

So, how can you take things into your own hands, and give kids a head start by encouraging them to learn more about AI?

Weave the subject of AI into routine conversations

Your own kids probably often utilize AI without even realizing it. AI decides – for example – which of their friends’ posts to show in what order on social media feeds, and how characters in computer games react to the player’s on-screen actions.

So, you could look for subtle ways to raise the subject of AI as you see any of your children using consumer technology that you know relies on it.

Teach kids how to code

This is an especially good idea if you know any kids already showing an interest in STEM (science, technology, engineering, math) subjects.

On the fast.ai website, data scientist Rachel Thomas explains: “In STEM, code is the language of creativity, and without knowing how to code, you are reliant on tools created by others.”

She particularly advocates JavaScript, as it is “interactive, visual, and the language of the web”. Hence, JavaScript is “the best language for creating things that will interest … non-coder friends.”

Bring your kids to a ‘maker space’

A ‘maker space’ is basically a space where people are already using, or can use, AI to create intriguing machinery. Thomas notes that maker spaces have been increasingly added to libraries across the United States, and can include design software, woodworking tools and more.

There might even be a Maker Faire event held periodically in your particular area – in which case, you could do a little research to see when the next local Maker Faire event is coming up.  

RASPBERRY PI 3 MODEL B+ BULK | Raspberry Pi 3 - Model B+ 1GB RAM |  Distrelec România

Introduce your child to the Raspberry Pi

A Raspberry Pi is a pocket-sized computer visually reminiscent of a circuit board and capable of being connected to various devices and accessories. The Pi itself can be programmed to do its user’s bidding through the ports to which these add-ons are attached.

You can buy a Raspberry Pi – along with various hi-tech attachments for it – from a specialist online store such as The Pi Hut.

Show kids what other people have achieved with a Pi

“I’m here to talk to you about my game of life on a Pi – a Raspberry Pi controls an Arduino which lights up the LED Matrix,” the then-13-year-old Amy Mather said at the Raspberry Jamboree event in the UK city of Manchester in 2013, as quoted by WIRED UK.

It’s a strong testament to the Raspberry Pi’s ability to inspire young people’s interest in AI – and an incentive for you to encourage such interest in kids you know personally.

Every September, Apple announces a new, major version of its iOS operating system for iPhones – and, true to form, Apple made iOS 15 available for download on 20th September.

However, though the software is compatible with all iPhones already running iOS 14, iPhone users have seemingly not taken to iOS 15 quite so eagerly. One MacRumors report suggests that iOS 15 reached about a fifth of supported iPhones by the end of September – but, if you haven’t yet upgraded to iOS 15, the following exciting additions it brings could force your hand.

More Zoom-like FaceTime calls

Apple has brought FaceTime closer to parity with Zoom by letting users join FaceTime video calls from any device, not just Apple ones, on the web.

The Portrait mode enabling users to blur the background of a subject in photography – while keeping the subject itself looking crisp – has also been added to FaceTime, where Ars Technica’s Samuel Axon says “it’s dramatically better-looking than the background-blurring effect in Zoom”.

More synchronicity between Messages and other apps

Imagine how convenient it would be if, when a friend or family member uses Messages to show you photographic, web, news, music, podcast or TV content, you could quickly insert it into a particular Apple app? That’s what the new Shared with You feature lets you do.

In Apple apps like Photos, Safari, News, Music, Podcasts and TV, the feature also automatically surfaces such content your Messages contacts have shared in that app.

Holding a Smartphone

It’s easier to stay ‘in the zone’ with Focus notifications

Though notifications are supposed to be useful, they can – in practice – distract you for insufficiently good reason. This dilemma has led Apple to introduce Focus, where users can filter notifications so that only the most timely and relevant ones get through.

There are some ready-made filters, such as the Work Focus, which limits notifications to those from co-workers and work-oriented apps, and the Fitness Focus for preventing unhelpful notifications when you are engaged in a workout.

The Live Text feature makes photographed text interactive

Text that doesn’t react in any way when you tap a photo of it is sooo iOS 14. Once you’ve installed iOS 15, you will be able to interact with text in photos you view anywhere on your iPhone – including in the Photos app, in social media apps and even on the web.

Through tapping that text, you could – for example – copy, paste or translate. You could tap a photographed phone number to ring it or the image of a URL to load the webpage in question.  

An intuitive – but optional – redesign for Safari

Safari’s search and address bar have been switched from the top to the bottom of the interface, making the app easier to use while holding the device with one hand.

While the old Safari design is still available in iOS 15, you could find adjusting to the new design almost as useful a step as buying one of the relatively recent iPhones compatible with an especially wide range of iOS 15 features.

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People often hear the word sexism and wonder what exactly the speaker refers to. It’s hard to know how to stop something if a person doesn’t know what that something is. For this reason, every person must know the definition of sexism and what it entails. Once they have this information, they can take steps to prevent this type of bias in their lives.

What Is Sexism?

The Council of Europe defines sexism as “any expression (act, word, image, gesture) based on the idea that some persons, most often women, are inferior because of their sex. Replace the word women in the previous sentence with the phrase person of color and sexism quickly becomes racism. The same principles apply when speaking of these two issues. Someone is treated less based on their sex, skin color, or another feature.

However, sexism actually works both ways. For instance, a man who files a sexual assault claim may be made to feel like they are at fault or they someone wanted the act to occur. The assumption is that the male is stronger and could overcome their attacker without difficulty. This isn’t the case.

Furthermore, a man may become the victim of a “he said, she said” scenario and find they are automatically seen as the aggressor. This serves as another form of sexism. However, it has far-reaching consequences and any man in this situation needs to get legal help from a sex crimes attorney immediately.

The Harm of Sexism

Sexism leads to a person feeling worthless. They begin changing their behavior and engage in acts of self-censorship. As a result, their health deteriorates. Women and girls find themselves victims of sexism more frequently.

Sexism : - World illustration Awards

A Worldwide Issue

Sexism knows no geographical boundaries. Women journalists state this is a major issue, as 66 percent of them have been confronted with verbal abuse at one time or another. Men in Europe make up three-quarters of new sources and subjects, while 66 percent of girls in the United Kingdom have encountered sexist language in their schools.

Almost 60 percent of women in Amsterdam have been harassed on the street, and half of all women in France have been humiliated or treated unjustly because of their sex. Three-quarters of Serbian businesswomen state people don’t take them as seriously as men, even though they are successful in the workplace. This goes to show how widespread the problem truly is today.

Why This is Important?

Women may dismiss an act of sexism, thinking it is harmless and they should just let it go. However, each act contributes to a climate of fear, insecurity, and intimidation. Over time, the problem escalates and violence becomes acceptable when aimed at women and girls. The impacts affect certain women and men more than others because of their age, ethnicity, religion, gender identity, or another factor.

Every person today must know sexism and its effects on individuals. Until people talk about this problem, it will continue, and countless individuals will be harmed. They’ll suffer from low self-esteem. This could lead to them being victims of domestic violence, sexual crimes, or other suicide. Some victims develop eating disorders while others suffer from isolation and loneliness. Nevertheless, people need to recognize women aren’t the only ones affected. Men can be subject to sexism also, which is why people must understand what it is, how to recognize it, and what steps they can take to combat it. Until everyone does, the problem will continue.

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Your brand is a powerful tool, and making use of it, when you can, is an intelligent move to make. However, making the move to selling merchandise for your business is a big step, and before you do, there are a few things that you should take the time to consider first. This article aims to highlight the most important points for you to consider when you are thinking of selling your own merch.

When You Should Sell Merchandise

Buying merch is, inherently, an expression of your customer’s loyalty to your brand and business. This means that you have to be sure of a couple of things before you start selling your own merch.

Firstly, you have to be sure that you have enough loyal customers to justify producing and selling merch. After all, if you are only going to sell a dozen jumpers and a branded water bottle from anthembranding.com, then it likely wouldn’t be worth the cost.

Secondly, you have to be sure there is interest in merch from your company. Producing merch when your customers aren’t interested could end up hurting your brand and making your company seem full of itself or only out for people’s money. This will invariably hurt your business rather than help it.

Advantages of Investing in Merchandise

That being said, there are plenty of advantages to creating merchandise when there is a healthy interest in it, and these advantages can be just as major for your business as any other marketing move you might make. That’s right, marketing move. Creating merch is just as much a marketing move as investing in SEO. In fact, it could even be a better one, given that there is inherent profit in selling merch.

The Marketing Power of Merch. The main marketing benefit of selling merch comes from the fact that you will now have customers wandering around the world wearing your branding on their bodies. This will naturally remind others of your brand but also generate positive word-of-mouth marketing when your customers are asked about their merch too.

Marketing Your Merchandise

Finally, you might actually want to consider marketing your merch as well, albeit less aggressively than you might market your own company. This is because you want to be sure that any customers who might be interested in getting some of your merch are aware that it’s available.

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Expenses put a severe strain on business operations. Unless a company possesses significant cash reserves in the bank, these frequent expenses mean they have to continually produce sales and bring in revenue. If this doesn’t happen, they can quickly fall into financial trouble – to the point where their business becomes insolvent.

With this potential threat always looming, it makes sense to lessen its impact when possible. The good news is there are numerous steps you can take to reduce business costs. The following starter guide will highlight a number of ways you can cut down your current expenditures.

See what recurring expenses you can reduce

Recurring bills are inevitable when running your business. This can include everything from utilities to car leasing. However, when was the last time you took a close look at these expenses?

The first place to start is by directly contacting suppliers. It might seem improbable, but suppliers are actually likely to offer you some form of discount if you ask for it. After all, they’d rather keep you onboard instead of sending you to a direct competitor.

The next step is to utilize price comparison platforms. Say you’re currently paying a premium on health insurance for your employees. You can then compare health insurance quotes to see which provides better value. Even a small reduction per employee can make a big difference if you have a sizeable workforce.

Cut down on office space

The business world is changing. No longer is it necessary for employees to make their way to the office each workday. Thanks to the power of remote work, they can stay at home, communicate with other employees, and complete their tasks as effectively as if they’d been in the office.

This flexibility also presents the ideal opportunity to cut down on your office space. While you might not want to eliminate this element completely from your business operations, it makes sense to go with a much cheaper premise as your base. Rather than leasing an independent property, you may decide to utilize a shared workspace for an even more cost-effective approach.

Outsource tasks

A full-time employee is a notable recurring expense for any business. Aside from their standard wage, you also have to financially cover other benefits. The result: it makes retaining an employee an even more expensive prospect.

While it’s not nice to release a staff member from their job, it can make smart business sense when outsourcing is available. You can pay them per project and only use specialists when needed. This is great when you need help with something like online marketing, but not to the extent where a full-time employee is viable.

Automate business processes

When you use technology to automate business processes, this can boost efficiency, save time, and improve customer satisfaction levels. Automation allows you to handle time-consuming tasks within an instant, which can again reduce the need to have employees working on these kinds of tasks all the time.

Are you considering embarking on a Raspberry Pi? – then you’re in luck – because the small, super-smart computer has an endless amount of opportunities to get creative with. If you are looking to get your Raspberry Pi put to good use for pure practicality, here are 6 surprisingly useful Raspberry Pi projects that absolutely anyone can do.

And if you need more inspiration, browse through the products of a reputable raspberry pi store.

  1. Expand Your WiFi Network

Although the Raspberry Pi does not create the networks you use at home, it can improve them if you proceed to configure the system as a wireless range extender by utilising its ethernet and USB ports. As a result, this will enable your Wi-Fi connection to cover any dead zones of your home and extend so far as to cover your whole house with much better signal.

  • Learn Programming

The Raspberry Pi was originally designed as an inexpensive introduction to programming and computer science for beginners looking to get into the field. So why not use the small computer system to learn programming yourself. It’s an incredible skill to possess and is super easy to learn with a Raspberry Pi system, especially if you already own one, it’s worth the time investment.

  • Make a TV Smarter

If you want to add web browsing and other basic computing capabilities to your TV, the Raspberry Pi does the job for a fraction of the price of a Chromebit or other smart computer operating systems. The Raspberry Pi can also look super trendy and stylish in your home theatre with the right case.

  • Automated Temperature Check and Mask Detector

This Pi project creates an affordable, touch-free kiosk that provides contactless temperature checks, and confirms that each person who passes is wearing a mask, by utilising facial landmarking software and infrared temperature sensors. Because of Covid-19, temperature checkpoints have become commonplace in workplaces, schools, and many public places. This project uses facial landmarking and an infrared temperature sensor to automate the process of temperature checks. It makes use of a Pi Touch display, a Pi Camera Module, and a few other components.

  • Create an Ad Blocker

Instead of wasting time having ad blockers installed on each of your devices as well as your web browser, you can use the Raspberry Pi’s power to block ads across your entire home network. If you’re worried about ads that you need to see being blocked, you can whitelist specific URLs to ensure that those ads aren’t blocked.

Teach, Learn, and Make with Raspberry Pi

Pi-hole is a network-wide ad blocker that can be installed on the Raspberry Pi. When using it, no “Ad blocker detected” pop-ups appear while browsing. In addition, unlike with common ad blockers, Pi-hole can be used on all devices on your network.

  • Raspberry Pi Porch Alarm

Inexpensive motion detector alarms can be found all over the web, but you could create an alarm that goes off every time someone approaches your door with Pi. This project provides a porch pirate alarm that uses Pi and AI to detect when packages are delivered, and even sets off an alarm when a package is removed from the location.