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North Korea Accuses Australian Alek Sigley of Spying

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North Korea says Alek Sigley, who had been detained for several days before being released, had been “spying” for news outlets.

The 29-year-old Australian student was reported missing in late June, but was freed on July 4 after Swedish officials in Pyongyang met the North Korean government.

NK News, one of the websites to publish Alek Sigley’s writing, has rejected North Korea’s claims that he spied for them.

It said Alek Sigley’s columns only “presented an apolitical view of life in Pyongyang”.

Alek Sigley, a fluent Korean speaker, had been living in Pyongyang while studying a Master’s at Kim Il-sung University and running a tourism business.

He has not commented on why he detained. Following his release, he flew to Japan, where his wife lives.

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John Short: Australian missionary detained in North Korea

On July 6, North Korea’s state-run news agency KCNA said that Alek Sigley had “on numerous occasions transferred information, including photographs and analysis that he gathered while travelling to every corner of Pyongyang using his status as an international student”.

Alek Sigley had done this “upon request by anti-DPRK [North Korea] news outlets such as NK news”, KCNA added.

The North Korean government decided to deport him on humanitarian grounds after he “honestly admitted that he had been spying… and repeatedly asked for our forgiveness for infringing on our sovereignty”, it said.

North Korea often accuses foreigners detained in its country of espionage or “hostile acts”.

In a statement, NK News, a website specializing in North Korean news and analysis, said it appreciated “the DPRK’s decision to promptly release Sigley on humanitarian grounds”.

The website said it had published six articles from Alek Sigley which showed “vignettes of ordinary daily life in the capital”.“The six articles Alek published represent the full extent of his work with us and the idea that those columns, published transparently under his name between January and April 2019, are ‘anti-state’ in nature is a misrepresentation which we reject.”

California Hit by 7.1-Magnitude Earthquake

Southern California has been hit by a 7.1-magnitude earthquake, the biggest tremor to strike in 20 years.

The quake struck at the shallow depth of 0.6 miles and its epicenter was near the city of Ridgecrest, about 150 miles north-east of Los Angeles.

On July 4, a 6.4-magnitude quake hit the same area at a depth of nearly 6.5 miles.

The earthquake was felt as far away as Las Vegas in the neighboring state of Nevada and over the border in Mexico.

California Governor Gavin Newsom offered his heartfelt support to all those affected, and has requested a Presidential Emergency Declaration and federal aid to help.

Fires have broken out and emergency services are responding to calls across the state after the quake.

Kern County Fire Department Chief David Witt said about 1,800 people had no power after the quake, but added there were “nothing but minor injuries… such as cuts and bruises, by the grace of god”.

According to the San Bernardino County Fire Department, “damage is more significant than yesterday’s quake”, and said they were tackling blazes and gas leaks.

Image source Wikipedia

Peru Hit by 7.1-Magnitude Earthquake

Peru 7-magnitude earthquake strikes near Lima

6.3 earthquake hit the central coastline of Peru

Officials said it was still unclear how much damage had been caused and how many people had been injured in the state.

The LA Fire Department however said nobody had been killed or injured. A statement after the latest quake said the authorities had seen “no major infrastructure damage” after a survey of the city.

Crowds at a Los Angeles Dodgers baseball game were seen leaving their seats when the quake struck, although the players themselves continued playing.

A US Navy weapons testing station near Ridgecrest was also affected.

NAWS China Lake – the Navy’s single largest landholding, covering an area larger than the state of Rhode Island – announced on Facebook it is “not mission capable until further notice”, without providing details.

In Las Vegas, a basketball match between the New York Knicks and the New Orleans Pelicans was abandoned because of the tremors.

The quake hit at 20:19 local time on July 5, the US Geological Survey (USGS) said.

After July 4 event, seismologists had been warning that aftershocks could continue for a prolonged period of time.

California is prone to earthquakes as it lies on a number of faults – regions where tectonic plates come together.

https://www.youtube.com/watch?v=AmIRkZMs0kg

4th of July Parade: President Trump Hosts “Show of A Lifetime” on Independence Day

President Donald Trump is preparing to address an Independence Day military parade event in Washington DC that he promises will be the “show of a lifetime”.

Thousands of troops are being assembled at a red-, white- and blue-draped Lincoln Memorial to hear the first such speech by a president since 1951.

Armored carriers and tanks are part of the “Salute to America” backdrop.

Opponents accuse President Trump of politicizing the holiday ahead of a re-election campaign and wasting taxpayer’s money.

The Pentagon has not revealed the cost of the parade, which many believe was inspired by President Trump’s visit to the Bastille Day parade hosted by French President Emmanuel Macron.

Some reports say the National Park Service is diverting nearly $2.5 million to cover the cost.

As well as tanks, President Trump’s 4th of July celebration will also feature a military jet flyover and an extended fireworks show.

As the armored vehicles were transported from a railyard in south-eastern Washington DC on July 2, military officials advised residents not to be alarmed.

The two 70-tonne Abrams tanks have to stay on a side road as they are too heavy for the memorial’s surrounding areas.

In a morning tweet, President Trump said the parade was “turning out to be one of the biggest celebrations in the history of our Country”.

The president will be keeping a keen eye on the turnout, given the arguments over the claimed attendance of his inauguration ceremony back in 2017.

The event will be open to the public free of charge, apart from a ticketed area for VIPs in front of the memorial.

Image source Public Domain Pictures

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Large numbers of Trump supporters wearing Make American Great Again hats – and opponents upset at the cost – have been descending on the capital.

The musical playlist includes the Star Wars theme and Hail to the Chief.

Donald Trump’s speech is at 18:30 local time.

The president will be joined by a Pentagon delegation led by the highest-ranking US military officer, Chairman of the Joint Chiefs of Staff General Joseph Dunford.

However, the service chiefs of the Army, Navy, Air Force and Marine Corps will not attend.

The Defense Department said in a statement it had received 5,000 tickets from the White House.

The White House has also distributed VIP tickets to major donors and political appointees, amid reported concerns that empty seats might be visible.

President Trump said in a tweet that the expense “will be very little compared to what it is worth”.

Military flyovers alone cost tens of thousands of dollars per hour.

President Trump’s plans for a military display on Veterans Day in November 2018 were dropped after defense officials said it would cost about $92 million – more than three times the original estimate.

How to Handle a Financial Emergency

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Financial emergencies can hit anybody at any time. Even if you know how to save money effectively and have built up an emergency fund to assist you during a financial crisis, there will be times in your life where you need a lot of money quickly to maintain your quality of life.

There are many different types of financial emergencies that can drain your emergency fund and force you to look outward for additional money. With that said, some financial emergencies are more common than others.

Common Financial Emergencies:

  • Medical bills
  • Funeral expenses
  • Car trouble
  • Cost of living increases
  • Household repairs
  • Job loss

Various Ways to Cover an Unexpected Financial Emergency

When a financial emergency hits, like the ones listed above, it can create a heavy mark on your life. You will need quick financial relief to handle this unforeseen situation, and luckily, there may be several options you could take advantage of.

Using Your Existing Emergency Fund

If you have an emergency fund, you may be tempted to deplete it when you need money to resolve a current predicament. But this may not be the best option for your finances.

Emergency funds are set in place to cushion you from financial instability, but depending on your current situation, you may be better off looking for funds elsewhere. It’s recommended that you only use your emergency funds for those once-in-a-lifetime catastrophes.

But if you must, make sure you use no more than 50% of whatever funds you have managed to save so far. This way you still have an emergency fund for any other financial dilemmas in the future.

Acquiring Money from Friends or Family

There are many great perks to borrowing funds from family and friends, however, just as many pitfalls.

This funding method may not be an option for many, as the amount needed to cover the full cost of a financial emergency may be too great. But if you’re able to acquire the money you need from a family member or friend, then you could save on interest rates and pesky fees. Not to mention, the repayment terms could be incredibly flexible. But there could be many repercussions if the exchange is not handled with care.

If your financial situation doesn’t improve, then you could risk the relationship you have with the individual you borrowed money from. If the terms of the loan were not gone over in detail, the miscommunication could cause a rift in the relationship between you and the family member or friend. 

Using a Quick Payday Loan

If you need a lot of monetary funds to cover the total cost of the financial crisis you are facing, then you may have thought about applying for a payday loan.

Payday loans are unsecure loans, meaning that no collateral is needed to acquire the loan. This is great news, as you do not have to risk a valuable asset like a sentimental piece of jewelry. But while payday loans offer quick financial relief to those facing an emergency with a deadline, they may not be the best option.

These quick relief loans come with many setbacks, such as:

  • High interest rates
  • Short repayment terms (2 weeks)
  • Hidden fees

The name is reflective of the repayment terms, as repayment is typically expected by the borrowers upcoming payday. If you don’t have the full loan amount plus fees by then, you risk incurring even more fees and falling further into debt.

Applying for a Convenient Title Loan

Title loans are another borrowing option that many people turn to. Just as popular as payday loans, with significantly better terms.

Title loans, unlike payday loans, are secure loans. Unfortunately, this means that collateral will be required—in the form of a car. To obtain a title loan, the borrower uses the car as collateral by giving the title to the lender for the duration of the loan.

This downside may not be so grim though, as many lenders allow the borrower to keep driving their car while making payments. And since the loan is secure, the lender may offer better terms.

Title loans could offer borrowers the following benefits:

  • Longer loan terms (up to a few years!)
  • Flexible eligibility requirements
  • Quick approval and funding
  • Competitive interest rates

Title loans are a great funding option for those facing a financial emergency due to their ease and convenience. Credit is typically not the main qualifying factor with title loans, making them easier to acquire than most other types of loans.  

Consider the many funding options available to you, including using your emergency fund, payday loans, and title loans. Consider how much you need and how long you would need to repay any money you borrow. Financial emergencies can pop up out of the blue, but you don’t have to be left adrift.    

Prepaway – What Is Included in NCLEX-PN Exam?

The National Council Licensure Examination (NCLEX) is a national level nursing exam conducted in Canada and the United States for checking the knowledge and eligibility of nursing graduates before licensing them. This test is taken up by the individuals after completion of their graduation from nursing school to acquire the nursing license. The NCLEX exams are conducted by the NCSBN – National Council of State Boards of Nursing Inc. Acquiring licenses through the test gives the candidates permission to practice nursing in the above mentioned countries.

There are two types of the NCLEX test:

a) NCLEX-RN: National Council Licensure Examination for Registered Nurses

b) NCLEX-PN: National Council Licensure Examination for Practical Nurses

In this article, we will explore the test for the practical nurses.

NCLEX-PN: Overview

To acquire the licensure as a Licensed Practical Nurse (LPN) or Licensed Vocational Nurse (LVN), the individuals must pass the NCLEX Prep exam. It tests the candidate’s knowledge, abilities, and skills at the entry level to see if they are fit for the safe and effective practice of nursing. This test comes in the format of Computerized Adaptive Testing (CAT). This technology is based on how one answered the previous question. The questions asked in the NCLEX-PN exam are based on the extensive nursing material, and according to this, the individuals are graded based on how intuitively they answer these questions.

NCLEX-PN: Exam Format

The question format of the NCLEX-PN test is multiple-choice questions, fill-in-the-blanks, putting the steps in correct order, selection of correct answers from a list of various options, identification of correct area on a picture, information about a chart, graph, or an audio clip.

Due to the Computerized Adaptive Testing (CAT) feature of the exam, each candidate will have a different form of the test. This ensures different questions being asked to different students depending on how they answered the previous question. According to the CAT feature, each individual can get any number of questions between 75 and 265. Out of the first 75 questions answered by the candidates only 60 will make it to grading. The remaining 15 are asked on experimental basis to see if they are worthy to be asked in future exams, and these questions will not be added during grading the students.

The maximum time set for this exam is 6 hours with two 10-minute breaks: a mandatory one is after 2 and a half hours and an optional one – after 4 hours. The applicants are also free to take breaks whenever they wish in-between the test, but they will have to compensate it with the exam time.

Image source: Public Domain Files

NCLEX-PN: Subjects

NCLEX-PN exam focuses on four main subjects relating to the nursing field. Under these four main subjects, there are sub-sections as well. All the information regarding them is as follows:

1. Safe Effective Care Environment: It has two sub-sections, which include:

a) Coordinated Care: The practical/vocational nurse coordinated with the health care team members to provide proper and potent care to the patients. Other related subjects under this section are Advance Directives, Establishing Priorities, Advocacy, Ethical Practice, Client Care Assignments, Informed Consent, Client Rights, Information Technology, Collaboration with Interdisciplinary Team, Legal Responsibilities, Performance Improvement, Information Security, Referral Process, Continuity of Care, Resource Management, Concepts of Management and Supervision, and etc.

b) Infection Control and Safety: In this context, the practical/vocational nurse helps the clients and heath care personnel against health and environmental hazards. Other related subjects under this section are Accident/Injury/Error Prevention, Least Restrictive Restraints and Safety Devices, Emergency Response Plan, Safe Use of Equipment, Ergonomic Principles, Security Plan, Infectious Materials and Handling Hazardous, Home Safety, Standard, Precautions/Transmission-Based Precautions/Surgical Asepsis, Reporting of Incident/Irregular Variance/Occurrence, and so on.

2. Health Promotion and Maintenance: The practical/vocational nurse in this aspect helps the patients/clients with the information of health issues, stages of their growth and development, prevention or how they can be detected in early stages, and so on. It includes Aging Process, Health Promotion/Disease Prevention, Ante/Intra/Postpartum and Newborn Care, High Risk Behaviors, Data Collection Techniques, Lifestyle Choices, Developmental Stages and Transitions, Self-care, Community Resources, and etc.

3. Psychosocial Integrity: The practical/vocational nurse in the psychosocial aspect assists in aiding mental and emotional support to the patients suffering due to any kind of illness.This also includes some aspects, such as Abuse or Neglect, Mental Health Concepts, Behavioral Management, Spiritual and Religious Influences on Health, End-of-Life Concepts, Chemical Dependencies, Coping Mechanisms, Therapeutic Communication, Perceptual/Sensory Alterations, Stress Management, Support Systems, Crisis Intervention, Cultural Awareness, Therapeutic Environment, etc.

4. Physiological Integrity: In the physiological integrity aspects, the practical/vocational nurse helps by assisting in the encouragement of physical health and overall well-being of the patients by providing them care and comfort. This aspect covers four more sub-sections.

a) Basic Care and Comfort: In this section, the practical/vocational nurse helps the patient coordinate with the daily activities. This includes some aspects like Personal Hygiene, Assistive Devices, Rest and Sleep, Nutrition and Oral Hydration, Elimination, Immobility/Mobility, Non-pharmacological Comfort Interventions, and so on.

b) Pharmacological Therapies: This is related to the medicine administration and parental therapies. It involves aspects, such as Expected Outcomes/Actions, Medication Administration, Dosage Calculations, Pharmacological Pain Management, and etc.

c) Reduction of Risk Potential: This aspect deals with the potentials of complications arising from already present health issues, its treatments and procedures. It also comprises Diagnostic Tests, Abnormalities/Changes in Vital Signs, Laboratory Values, Potential for Alterations in Body Systems, Potential for Complications of Diagnostic Tests/Procedures/Treatments, Potential for Complications from Surgical Procedures and Health Alterations, Therapeutic Procedures, and etc.

d) Physiological Adaptation: In this matter, the practical/vocational nurse helps the patients who are suffering from acute, life-threatening or chronic physical health conditions and takes care of them during their presence in the health care centre. It also involves Fluid and Electrolyte Imbalances, Medical Emergencies, Alterations in Body Systems, Basic Pathophysiology, Unexpected Response to Therapies, and so on.

To be informed about the registration and exam preparation, visit the webpage of the NCLEX test.

Hong Kong Protests: Hundreds of Demonstrators Storm Parliament Building on Anniversary of Chinese Rule

Hundreds of protesters have occupied Hong Kong’s parliament building for hours after breaking away from a protest on the anniversary of the state’s transfer of sovereignty to China from Britain.

Police firing tear gas have moved in to evict protesters from the Legislative Council (LegCo) building.

At midnight, local time, hundreds of police charged towards the building after warning protesters to clear it.

The incident follows weeks of unrest in Hong Kong over a controversial extradition law.

Hundreds of thousands took part in the earlier protest – the latest rally against a proposed law that critics fear could be used to extradite political dissidents to mainland China.

Dozens of demonstrators smashed their way through the glass facade of LegCo. They were joined inside by hundreds more after police vacated the building during the evening.

Hong Kong protests: Schools and banks closed as demonstrators block downtown

Hong Kong clashes near government offices

Image source AFP

Inside the building, protesters defaced the emblem of Hong Kong in the central chamber, raised the old British colonial flag, spray-painted messages across the walls, and shattered furniture.

They clad in plastic helmets and brandishing umbrellas retreated from a baton charge by riot police, who quickly overcame the makeshift barriers in front of the building.

Inside, diehard demonstrators were pulled forcibly outside by their fellow occupants in an attempt to completely clear the building.

Democratic lawmakers Ted Hui and Roy Kwong stood in front of police asking them to allow protesters time to leave the area, the South China Morning Post reported.

Within an hour, the streets around the parliament building were clear of everyone except the media and police.

However, no arrests have yet been reported.

Donald Trump Becomes First US Sitting President to Cross into North Korea After Symbolic Meeting with Kim Jong-un at DMZ

President Donald Trump and North Korean leader Kim Jong-un have held a symbolic meeting at the DMZ, the heavily fortified zone dividing the two Koreas.

Donald Trump became the first sitting US president to cross into North Korea after meeting Kim Jong-un at the demilitarized zone.

Critics have dismissed it as pure political theatre, but others say it could set the scene for future talks.

Their last summit ended abruptly with no progress on denuclearization talks.

Speaking to reporters alongside Kim Jong-un at the DMZ, President Trump said it was a “truly historic” moment and that he was “proud to step over the line” between the Koreas.

Kim Jong-un, in a rare statement to the press, said the meeting was a symbol of the “excellent” relationship between him and President Trump.

Donald Trump and Kim Jong-un meeting in June 2018
Image source Wikipedia

Donald Trump Offers to Meet Kim Jong-un at DMZ

Trump-Kim Summit: Donald Trump Praises Historic Talks With North Korean Leader

Trump-Kim Summit Takes Place at Capella Hotel on Singapore’s Sentosa Island

With no time for the all-important backroom diplomacy, it was expected to be largely a photo opportunity. However, the dramatic meeting will be seen as a sign of their ongoing commitment to the denuclearization talks.

Negotiations with North Korea, to try to convince it to abandon its controversial nuclear program, reached a peak last year when Donald Trump and Kim Jong-un had a historic meeting in Singapore.

They both committed to the “complete denuclearization” of the Korean peninsula, but without clarifying what that meant.

It was hoped their second meeting, in Hanoi in February 2019, would make some concrete agreement about North Korea handing over its nuclear program in exchange for some of the tight sanctions against it being lifted.

Hwever, those talks ended with no deal, as they failed to agree on the pace at which sanctions should be eased. Since then the negotiations have stalled, though Kim Jong-un and President Trump have exchanged letters recently.

The DMZ, which runs about 2.5 miles wide and 155 miles long, has divided the peninsula since the Korean War ended in 1953.

Though that area, by definition, has no military installations or personnel, beyond it lies one of the most heavily militarized borders in the world.

The Joint Security Area (JSA) located at the Panmunjom village straddles the Military Demarcation Line and is where all negotiations between the two Koreas are held.

Tourists can also go to the JSA when relations between North Korea and South Korea – still technically at war – allow it. No US sitting US president has been inside it. Bill Clinton once described it as the “scariest place on Earth”.

Angela Merkel Suffers Two Shaking Attacks in Eight Days

German Chancellor Angela Merkel suffered two shaking attacks in eight days, but she says she is “fine” after the two public episodes have sparked concerns about her health.

Speaking at the G20 summit in Osaka, Angela Merkel said she was convinced that “this reaction will disappear just as it has arisen”, German news agency DPA said.

Asked what lay behind it and whether she had seen a doctor, Angela Merkel said she had “nothing in particular to report”.

On June 27, the German chancellor was seen shaking for two minutes at a ceremony in Berlin.

Angela Merkel, who turns 65 next month, gripped her arms until she became steadier. She was offered a glass of water but did not drink it.

The previous incident – which she later blamed on dehydration – saw her shaking while standing next to Ukraine’s President Volodymyr Zelensky in hot sunshine.

In 2017, Angela Merkel had an earlier bout of shaking in hot weather on a visit to Mexico as she was attending a military honors ceremony.

Reports said that subsequent medical checks had found nothing to be wrong.

Government spokesman Steffen Seibert tweeted a video of the chancellor making a speech covering topics such as extremism, women’s empowerment and climate change. It showed her standing and speaking in a relaxed manner.

Angela Merkel is now in her fourth term as chancellor, a role she began in November 2005. She has said she will leave politics when her current term ends in 2021.

She has a reputation for remarkable stamina – during intensive late-night discussions at EU summits, for example.

Angela has been in good health while in office, and even worked from home after a knee operation in 2011. She suffered a fall while skiing in 2014. Her absences were only brief on those occasions. Her mother died earlier this year.

2019 G20 Summit Osaka: US and China Agree to Restart Trade Talks

President Donald Trump and his Chinese counterpart, President Xi Jinping, have agreed to resume trade talks, easing a long row that has contributed to a global economic slowdown.

The US and China reached agreement at the G20 summit in Osaka, Japan.

President Trump also said he would allow US companies to continue to sell to the Chinese tech giant Huawei, in a move seen as a significant concession.

He had threatened additional trade sanctions on China.

However, after the meeting on the sidelines of the main G20 summit in Japan, President Trump confirmed that the US would not be adding tariffs on $300 billion worth of Chinese imports.

He also said he would continue to negotiate with China “for the time being”.

At a subsequent press conference, President Trump declared that US technology companies could again sell to China’s Huawei – effectively reversing a ban imposed last month by the US commerce department.

The US and China have been fighting a damaging trade war over the past year.

Donald Trump accused China of stealing intellectual property and forcing US companies to share trade secrets in order to do business in China, which in turn said US demands for business reform were unreasonable.

The feud escalated in the months leading up to the G20 summit, after talks between the two countries collapsed in May.

The truce signals a pause in hostilities rather than a resolution of the dispute, which has caused market turbulence and hit global growth.

President Trump said his meeting with President Xi was “excellent, as good as it was going to be,” adding: “We discussed a lot of things and we’re right back on track and we’ll see what happens.”

US and China Agree to Halt New Trade Tariffs for 90 Days

US to Impose New Tariffs on Chinese Handbags, Rice and Textiles

President Trump Threatens $100 Billion More in China Tariffs

China Imposes New Tariffs of Up to 25% on 128 US Imports

China’s state news agency Xinhua quoted President Xi as saying: “China and the US have highly integrated interests and extensive co-operation areas and they should not fall into so-called traps of conflict and confrontation.”

Washington has publicly said Huawei’s technology poses a national security risk, although President Trump has also linked the issue to the trade dispute.

Last month, the US banned Huawei from buying US goods without a license – including from Google, which is crucial to many of its products. The ban could cost the firm $30 billion in revenue this year.

President Trump’s decision to allow US companies to continue to sell to Huawei “where there’s no great national security problem” could be a substantial concession, although exactly how this will play out remains unclear.

He said the Huawei situation would be dealt with “at the very end” of trade talks.

The next summit is due to be held in Saudi Arabia in November 2020.

Crown Prince Mohammed bin Salman has continued to face questions in Japan over the murder in Istanbul last year of Saudi journalist Jamal Khashoggi and the matter is likely to rumble on.

The UK and Turkey are among the countries still pressing the issue, although President Trump says “no-one blames” the Saudi crown prince.

Europe Heat Wave 2019: France Records All-Time Highest Temperature of 114.6F

The heat wave that hit Europe this week has already claimed several lives across the continent.

Temperatures in France were slightly lower than on June 28, when the country recorded its highest-ever temperature.

However, some areas of northern Spain saw temperatures soar above 40C (104F), with the city of Zaragoza recording 42C (108F) and a meteorological station between the Catalan towns of Vinebre and Masroig – close to an area already hit by wildfires – recording 43.3C (110F).

India Heat Wave: Phalodi Records Country’s Hottest Day Ever

Pakistan Heat Wave 2015: Death Toll Rises to 450

Western US heat wave: Dozens of people treated exhaustion and dehydration

In France’s southern Vaucluse region, a cyclist died after falling ill in the heat. According to officials, the cyclist had been in a mountainous region and warned people against engaging in sporting activity.

According to meteorologists, the hot air drawn in from northern Africa and high pressure over central Europe are contributing to the heat wave.

The UK recorded its hottest day of the year on June 29, with the temperature reaching 34C (93.2F) at Northolt and Heathrow airports in west London.

On June 28, France registered its highest recorded temperature – 45.9C (114.6F) – in the southern village of Gallargues-le-Montueux.

Donald Trump Offers to Meet Kim Jong-un at DMZ

President Donald Trump has offered to meet North Korean leader Kim Jong-un at the demilitarized zone (DMZ) between North and South Korea.

North Korea has described President Trump’s offer as a “very interesting suggestion”.

Donald Trump has arrived in South Korea to discuss the flagging North Korea denuclearization talks.

If Donald Trump and Kim Jong-un were to see each other at the DMZ, it would be their third meeting in just over a year, and their first since a summit in Vietnam broke down in February.

President Trump tweeted: “After some very important meetings, including my meeting with President Xi of China, I will be leaving Japan for South Korea (with President Moon). While there, if Chairman Kim of North Korea sees this, I would meet him at the Border/DMZ just to shake his hand and say Hello(?)!”

Trump-Kim Summit: President Trump Arrives In Vietnam for Second Meeting with Kim Jong-un

Trump-Kim Summit: Donald Trump Praises Historic Talks With North Korean Leader

Trump-Kim Summit Takes Place at Capella Hotel on Singapore’s Sentosa Island

President Trump – who is visiting South Korea after attending the G20 summit in Japan – conceded that the pair could see each other only “for two minutes”.

However, despite the apparent lack of any diplomatic preparation, some have suggested another face-to-face meeting between Donald Trump and Kim Jong-un could help reset relations and set the scene for future talks.

Only a few hours later, North Korea’s first vice-minister for foreign affairs, Choe Son Hui, said in statement: “We see it as a very interesting suggestion, but we have not received an official proposal in this regard.”

Such a meeting, the statement added, “would serve as another meaningful occasion in further deepening the personal relations between the two leaders and advancing the bilateral relations”.

It remains unclear whether officials with President Trump were briefed in advance about his overture to Kim Jong-un, and South Korea’s presidency said nothing was yet confirmed.

Last week, a South Korean official said Donald Trump was considering a trip to the DMZ, prompting speculation a meeting with Kim Jong-un could be possible.

President Trump attempted to make a surprise visit to the area in November 2017, but was forced to abandon the plans due to bad weather.

9 Reasons Why Every Business Should Use Document Automation Software

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Document automation software can help you save hours on designing and formatting documents. Find out other reasons to use document automation here.

Did you know that 99.9% of all establishments in the United States are small businesses? That equates to about 30.2 million businesses, with 8 million of them owned by minority groups. 

Yes, it’s a competitive world and a majority of businesses don’t survive.

If you want your business to become more competitive, you need document automation software. It doesn’t matter whether it’s thank you letters, quotes, contracts, or other documents. You’ll save time, money, and cut document efforts.

Are you ready to learn the benefits of document automation? Read on and find out more.

Why You Should Use Documentation Automation Software

Aside from its direct benefits, document automation has its own set of indirect advantages that go beyond its function. For some organizations, these can make more impact on their success. Here are some reasons your business should use document automation software:

1. Increase Data Compliance

Your business will see a large improvement in your data compliance as a byproduct of your document process automation. After all, your employees can only access documents using the app. 

Your data integrity improves. It happens since you can complete documents based on the data you employees put into the document automation app.

2. Decrease Resources Used to Documents

A lot of organizations dedicate a lot of resources to help audit and manage documents. That meant you had to hire employees and get more software. With document automation, your company can reallocate these resources to other productive projects.

3. Minimize Training Time

The most challenging part of a new job is to learn the business’s internal processes. If you automate document creation, it’s now replicable and easier to internalize. Your new employees can focus better on the work you hired them for.

That means you don’t need to train them on how to make and deliver documents needed in the sales process.

4. Protect Sensitive Data

A lot of documents you distribute can contain sensitive data. Whether it’s internal or external documents, information like these are private:

  • Pricing
  • Financial figures
  • Sales results
  • Customer consumption data

If you automate your data creation process, it will limit the data exposed on an employee’s desktop. It decreases the chances of information finding its way to the wrong hands.

 Both your data and documents will sit together in a single repository. The best part is that you have control over permissions. This will help in limiting the people that can access your documents and sensitive data.

5. Reduce the Number of Documents Managed

With document generators, you’ll have control on the versions and content of the documents. That will limit the number of documents made by your employees. There are companies out there that automated 98% of the data they have in their contract process.

As a result of automation, these companies decreased the number of documents used to make new contracts from more than a thousand to a hundred.

6. Use Consistent Branding

Regardless of whether you’re a small business with 20 employees or a giant corporation, you need consistent branding. It will apply whether it’s your company’s voice or the visuals that accompany it.

If you automate your document creation, you control the document’s content. You also have control over the template. This will ensure that all your employees represent your company with consistent color schemes, logos, and graphics.

7. Make a Repeatable Business Service

Making documents in a manual fashion can often become a tedious task. Once you automate its process, it becomes a repeatable process for your entire business. Your employees increase in productivity since they won’t feel worn out by starting from the ground up every time.

Your employees can also access the same data regardless of their employment duration. They can merge these with your document to generate a document package. 

8. Easier Storage and Retrieval

Storing your electronic documents on a centralized location will reduce the necessity of physical filing cabinets. That will save your office a lot of space, making employees feel less claustrophobic. Besides, that will also give you more space to put some amenities to boost employee morale.

Document automation applications store your documents in a secure manner, regardless of the total number of people working within your system. With this, your employees won’t accidentally stumble on documents they aren’t supposed to read. It also eases up their search process when trying to access related documents.

Also, it’s important to remember that hard copy document retrieval can become a time-consuming task. Depending on your company size, it will take anywhere between minutes and days. If you’re in a fast-paced business environment, this is an inefficient way of dealing with documents.

Automating your documents will allow you to get all these documents in one secure system. The retrieval is also instantaneous.

9. Allows Collaboration

Do you have different locations for your company? If so, you know the difficulty of teams working in different areas of the office. It’s even harder when you’re trying to make two different departments collaborate.

But if you automate your document creation, you cut the manual collaboration of documents. You can also drop the need for physical collaboration of these teams if you want. This will improve your efficiency since teams can now talk online and work together.

These electronic documents can have updates in real time. It means any collaborator for the documents won’t need to wait for long before they can start editing the same document. That decreases downtime and improves the overall productivity of your company.

Use Document Automation Software Today!

There are a lot of other benefits when using document automation software in your workplace. But the most important advantage is that you save both money and manpower. This helps you allocate these extra resources to more productive tasks.

If you want to look for more benefits, don’t hesitate to do some more research. But the benefits listed here are great enough as a starting point.

Did you enjoy this guide? If so, read more of our posts and discover more tips today.

Cardiovascular Disease Continues to Be A Top Killer for Americans

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All evidence indicates that cardiovascular disease continues to be a top killer for Americans.

We’ve talked before about cardiovascular disease – heart disease – and some of the ways in which you can beat it. Today, let’s dig into the statistics about heart disease, and try to learn more about the underlying causes and what we can do about it.

1). The Cardiovascular Disease Body Count

Cardiovascular disease is the top killer, the leading cause of death, for men and for women in the United States. According to the CDC, it kills about 610,000 people a year – 1 in every 4 deaths.

Coronary artery disease is the most common type of heart disease, and it accounts for over 370,000 deaths out of the 610,000.

Additionally, about 790,000 Americans have a heart attack every year, and by far the most important cause is coronary artery disease.

These statistics are grim. What’s behind them?

2). Who is At Risk?

There are a number of different risk factors for cardiovascular disease. Three of the most important are 1) high blood pressure, 2) high cholesterol, and 3) smoking.

Some 49% of Americans have at least one of these three risk factors. However, there are other risk factors which can also contribute significantly to cardiovascular disease: diabetes; being overweight or obese; having a poor diet; a lack of physical activity, and excessive alcohol use.

Many of the above risk factors feed into high blood pressure and/or high cholesterol, and thus may lead to cardiovascular disease.

3). Symptoms – What to Look For if You Might Have Cardiovascular Disease

Since cardiovascular disease describes a variety of conditions, there are a number of different symptoms to look for.

Some people experience pain, tightness, pressure, and discomfort in the chest, known as angina. Shortness of breath is another major symptom.

Sometimes people with heart disease suffer from pain, numbness, weakness, or coldness in the legs or the arms – this happens when the blood vessels in those areas become narrowed.

People also experience neck, jaw, throat, upper abdomen, and back pain as a result of cardiovascular disease.

There are also some general differences between men and women: where men are more likely to suffer from chest pain, women are more likely to suffer from shortness of breath, nausea, and extreme fatigue. 

Whatever the case, if you or a loved one are suffering from any of these symptoms, seek professional medical advice.

Heart arrythmias are another cluster of symptoms. Fluttering in the chest, racing heartbeat, slow heartbeat, dizziness, and fainting or near fainting are a few symptoms you might experience if you have cardiovascular disease.

Whatever your symptoms, it’s a good idea to follow up with a doctor and get professional help. It’s in your best interest to make sure you catch heart disease as soon as possible for the best chances of treatment.

4). Treatment – How to Deal With Cardiovascular Disease

There are a great many different treatments for cardiovascular disease. They range in ease from lifestyle changes to medication to major surgery.

Taking a best-case scenario, if the patient’s condition is due to lifestyle issues rather than genetic issues and it is discovered early, lifestyle changes and perhaps a medication could result in a reversal of the issues causing the disease. In this scenario, it is easy to imagine that there would be no lasting damage.

In other cases, arteries blocked by plaque may require angioplasty, a surgery to open the arteries, or balloon valvuloplasty, a procedure which requires less cutting than traditional surgery. In more severe cases, heart bypass surgery may be necessary.

A procedure called cardioversion, or electrical cardioversion, uses electricity to restore normal rhythm in damaged heart muscle.

There are many other treatments for cardiovascular disease, and the treatment needed will depend on both the patient’s condition and how severe it is.

5). Prevention – Reducing Your Chances of Cardiovascular Disease

As frightening as cardiovascular disease is, there are a number of tried and true strategies for preventing it. Although some cases of heart disease are the result of congenital issues (birth defects), the vast majority are preventable because they are caused by lifestyle choices.

These same lifestyle choices can also play a very important role in helping to treat the condition.

As we saw above, smoking is one of the most important risk factors for cardiovascular disease. This points to one of the most important strategies for preventing cardiovascular disease: quitting smoking.

Controlling other, potentially contributing health conditions is another way in which to prevent cardiovascular disease. In particular, it is important to control high blood pressure, cholesterol, and diabetes, both through medications and healthy lifestyle behaviors.

Eating a diet that is heart-healthy – in particular, low in salt and not fattening – is another important step.

Maintaining physical activity is also an important preventive strategy.

As the CRT Meeting for Interventional Cardiology states: “Preventing cardiovascular disease through appropriate health and fitness behaviors is always the optimal personal health plan.”

Conclusion

The reason cardiovascular disease continues to tragically claim so many American lives is that too many Americans are not maintaining good health. Through good diet, a modest amount of physical activity, and avoiding smoking and excessive drinking, most Americans can avoid cardiovascular disease.

The Dangers Of Fourth of July

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Image source Public Domain Pictures

July 4th is a special date for many across America, because it is a time to celebrate the United States’ independence from Great Britain in 1776. Usually, families across the nation celebrate with BBQ’s, celebrations and other formal events. However, July 4th is also unfortunately a day that can result in severe accidents and tragedy due to irresponsible actions.

Fireworks

The most common danger to the health of people who celebrate Independence Day are fireworks. Usually, fireworks are a public display administered by licensed professionals. However, too many overzealous people seek to make displays of their own domestically. Thousands of people per year require medical attention due to firework-related injuries and are the result of not knowing the full safety precautions one must take.

First, you must check to see if fireworks are legal in your location and if a permit is required to administer them. If so, fireworks must never be put into a container and must not be held by children. In addition, fireworks should never be lit indoors or flammable objects. The most common way people can get injured is by holding the fireworks with your hands.

Badly Cooked Food

With outdoor BBQ’s also come the risk of having food being undercooked. The primary concerns with food safety, especially when cooking outdoors, is undercooking meat and spreading germs and bacteria to surrounding food and materials.

If meat does not get cooked thoroughly, food poisoning and salmonella could potentially follow. While certain meat such as lamb or beef can be eaten rare if the outside is cooked well. Other meat choices such as sausage and chicken is only safe to eat if there is no pink in the middle and is hot in the center. A thermometer can help verify this information.

Drinking

With any festive occasion may also alcohol and the temptation to drink. While you can drink responsibly and have a great time with loved ones, drinking excess alcohol can lead to one becoming drunk. This can predispose to making unwise decisions such as driving.

If you plan to drink and could potentially become drunk, plan for someone you trust to bring you home. If you know of a friend that may do so, make proper transportation arrangements to prevent a potential tragedy.

Public Swimming

Other events may be taken place in public locals and areas near a body of water. While there are ample opportunities to take great photos and enjoy a good evening across crisp waters, swimming into lakes can potentially lead to drowning or coming into contact with foreign materials that can cause illness.

If the celebration is being held domestically and a traditional pool is used, refrain from engaging in activity that can cause one to drown or get injured such as dunking others and diving.

July 4th is a great day to celebrate freedom with loved ones, but it is also important to stay safe. Follow these tips to ensure a danger-free day.

4 Things You Can Do Right Now to Drum Up Sales

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Sales is the cornerstone of almost every business, whether you’re selling a product or a service. But sometimes, even when sales drop, we tend to forget the simple day-to-day things we can do to bring them back up.

Some strategies may take longer than others to produce results, but there are several things you can do right now to make a difference.

Use promotional products

On your way out the door for lunch, grab that promotional pen sitting on the edge of your desk. After your meal, you can leave one on the table with your tip or even hand a few to the managers for their waitstaff.

No one will turn down a free product, especially one they can use every day. And promotional items are surprisingly effective. For one thing, most people don’t throw them away until they break or stop working.

In addition to pens, you can use mugs, shirts, notepads, bags, etc. The important thing to remember is that your products should line up with your company, or at least not deviate from it completely.

For example, a dentist wouldn’t hand out bags of candy with their logo on them. And a church might not want their name printed on flasks. Instead, you want an item that automatically makes the customer think of your brand, or at least be universal enough that it can be used by anyone.

Reach out to past customers

Depending on the product or service you offer, repeat business could be your bread and butter. This is especially true if you’ve managed to wow your prior customers with excellent service. But even if what you sell isn’t conducive to repeat business, there’s still value in those previous contacts.

Stay in touch with as many customers as you can, no matter what you sell. If you’ve neglected doing this in the past, it’s important to start now. You never know when someone who’s done business with you in the past will introduce you to a new sales lead.

And contacting them doesn’t have to feel like a sordid task. Sometimes, something as simple as a mass email can generate more interest. There are plenty of services that can take care of this type of email marketing for you, running entire campaigns if needed.

Get active on social media

Social media is one of the most effective means of advertising we have at our disposal today. And the best part is that it’s absolutely free unless you choose to purchase ads. What’s important for social media marketing is that you’re consistently active and using the right channel. This just means using the platform that works best for you and your business.

Yelp, for instance, is a public review site that a lot of people check out when traveling. It’s great for restaurants and other such businesses. And LinkedIn is more of a professional channel that attracts professionals in mostly white-collar industries. It’s a good place to connect with people in industries relating to job placement or personnel.

But Facebook is still pretty much the queen mother of social media. It’s used by almost everyone in the world and attracts almost every demographic. The key is to find one or two platforms you can effectively operate and interact with people every day.

Help someone out

According to almost any sales expert, trust is the number one key to closing sales. But don’t think this is something you can fake.

In order to do this effectively, you must be genuine in your relationships and willing to help people, even when no sales are involved. One example of a good trust-building technique is to chime in when people talk about their problems on social media. Of course, these would typically be problems your product business could solve, because that’s your expertise.

But don’t be salesy every time you comment. Offer genuine solutions that might not make you a dime. Then, when people do need your product or service, they’ll trust you enough to do business with you.

Musical Ages: How Our Taste in Music Changes Over a Lifetime

What would life be like without music? The world will probably be a dull and quiet place. Music is a huge part of our lives and it’s one of the most precious human experiences. But as we age, our taste in music tends to change.

Children, teenagers, adults, and the elderly may have different music preferences which evolve as they age. You may have already noticed this as you appreciate or listen to different kinds of music now compared than when you were still young. But why do we undergo this music evolution?

Children and music

Most children love listening to, singing along with, and dancing to music. Usually, children don’t have their own music preferences. They tend to like music which their parents condition them to like. When a child listens to a particular type of childhood songs or music time and time again, he will enjoy it more.

This is why it’s important for parents to carefully choose the type of music they expose their children. The more a child listens to music, the more natural it feels for them. Of course, as children grow older, they will start having their own preferences though this depends on the music they’re frequently exposed to.

Image source Pxhere

The teenage years

It’s a common belief that a person’s taste in music develops and becomes final by the time they reach their teenage years. But there’s a recent study which suggests otherwise. According to this study, our taste in music continues to evolve as we age to meet our psychological and social needs.

Teenagers are at the age when they experience a lot of changes. In fact, because of everything that’s going on in their lives, their tastes tend to change drastically, and this is mainly because they’re still in the process of looking for themselves. Often, teenagers would try different things and listen to different types of music to understand themselves better.

For teenagers, music is a huge part of their lives. When they feel stressed because they don’t have time to do manage their affairs they would ideally want to, music helps them calm down. If you have ever felt like you don’t have enough time, Edubirdie writes your essays. From research reports to thesis and college essays to dissertation, it takes only a click to get writing work done.

By using this essay writing service, you can focus more on enjoying music and on finding out which type of music fits your personality. The formation of our music taste starts by the age of 10, even for those who didn’t have any initial interest in music.

Then comes a “formative window” which occurs between the age of 11 to 17. During this time, self-discovery is at its peak, which is why you would find your impressionable self-reacting dramatically to each new song and musical piece that you hear. When you reach 14 years old, this is when you start developing musical preferences.

This is the “magic age” where your cognitive development makes your musical taste an important part of your identity. Teenagers frequently need to explain their identity and music is an effective and affordable way to do this.

It’s commonly believed that a person’s taste in music is solidified by his late teens up to his early twenties. Scientists claim is that our basic preferences are already laid out at this time. This is also when we find our direction and footing in terms of what we listen to for the next years of our life.

For most of us, our musical tastes as adults are usually based on our preferences during our teenage years. Through effort, it’s possible to expand these tastes as an adult. However, this does become more challenging if you had a narrow taste in music during your teenage years. Difficult, but not impossible.

Image source Pxhere

How music evolves for adults

We’ve already established how music is an important part of a teenager’s life. During the teenage years, you would blast whatever’s popular or “trending” at the moment. Then your musical interest may start to drop when you reach your 20s and early 30s. At age 33, this interest tends to bottom out.

These findings come from a new study which measured how quickly and when people would lose interest in mainstream hits. For this study, they came up with a compilation of songs on Spotify for each of the users in the US back in 2014. Then the researchers cross-referenced the data against the popularity of the recording artists and the age of the users.

The data showed that it seems to be more challenging for us to keep up with the “popular” and “mainstream” hits the older we get. One surprising finding from this study was how quickly the effect happens for parents of young children.

No matter what their age was, even for those who were in their early 20s, as long as they were parents of young children, these people listened to significantly less mainstream music compared to other people of the same age.

To identify the users of the study who were parents, the researchers identified those who streamed a lot of nursery songs or children’s music. Another interesting finding from the study was that men tend to move away from popular music at a faster rate than women.

The musical pieces we adults listen to, may become more complex as we age.  Although this study conducted on Spotify was a single study, it does highlight the possibilities of collecting and integrating huge amounts of data using sophisticated methods for social science research.

The golden years

Have you ever wondered why people growing up in 60s and 70s still love listening to Elvis, The Beatles, and other old-school bands and singers? Or as an adult, have you ever wondered why you still have a strong affiliation with the “cheesy” bands you used to love when you were a teenager? By now, you should have a better understanding of why this is so.

Another recent study conducted by Deezer in the UK asked people about their streaming habits and musical preferences. The findings of this study showed that people tend to go through what’s known as a “musical paralysis” when they reach 30.5 years of age. This is when they don’t listen to new music as much and they stick to their preferences.

Our musical discovery reaches its peak around 24 years and 5 months, though some women may reach this peak a bit earlier. During this age, most people would only feel interested in checking out ten new songs or musical pieces each week while others would only listen to around five new artists each month.

Some people even claim that they feel like they’re stuck in a “musical rut” where they only play the same things time and time again.

Even as we reach the golden years, music remains to be a huge part of our lives. The elderly love listening to music, especially the one which makes them feel calm and relaxed. For them, when they find music that’s similar to what they used to love in their youth, the tendency is they would love that too.

Our preferences and inclinations would remain the same but the actual taste in music continues to evolve. This is why the older generation tends to prefer classical pieces or those which have nice, slow beats even though they may have loved fast or loud music in the past. This is because they have found something which appeals to who they are now but still reminds them of their favorite music in the past.

Conclusion

As you can see, science supports the fact that our taste in music changes over a lifetime. As we age, we tend to listen to different kinds of music and musical pieces. What we might not know is that these preferences we have when we are older are still based on our preferences when we were in our teenage years.

No matter how you look at it, music is a vital part of our lives and our society. Children, teenagers, adults, and even the elderly listen to music. We use it to express our feelings, to find our own identity, to help us accomplish our tasks, and more.

6 Ways to Build Your Business Quickly

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In the business world growth is often the name of the game. If growing your business was as simple as wanting it to happen, however, every business would be doing it. The key to taking the company you have today and growing it into the business you want it to be is developing a product or service that people want but also developing the right marketing campaigns to let customers know that your business is out there. If you’re ready for a step up for your business, here are some key practices to implement.

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Do Your Research

Sometimes the simplest tasks are also the easiest to overlook. When you’ve been doing the same thing in your marketing for a long time it can be easy to think that you fully understand your clientele and know exactly the type of customer icon you should be gearing your campaigns around. If you have not assessed your data recently, however, that may not be the case. Not only should you be performing regular research into the types of customers who are purchasing your products, but you should also keep an eye on your competition’s marketing. What are they doing that is effective and what are they doing which seems to be failing to draw in viewers. Take what’s working and adjust it to fit your brand and you’ll be on the path to a bigger business.

Utilize Sales Funnels

If sales funnels are not a part of your digital marketing campaigns then you are likely missing out on potential customers with every ad that you run. On a well-executed sales funnel, browsers are directed from your ad onto a landing page which entices them to provide you with value. Whether that means producing a sale of a product immediately, or simply using a promotion in order to get contact information of interested consumers, the funnel guides them from where they were initially browsing online to where you need them to be.

Reward Loyal Customers

When you’re trying to grow your company it may seem like a tangent to discuss ways to reward current customers but you should approach customer retention as a part of your greater marketing strategy. It’s more cost effective to maintain a current customer than it is to find a new one, so keeping the customers you already earned makes it significantly easier to invest enough in marketing to grow into your targets. Loyalty programs are even better as they often can kill two birds with one stone. While systems like loyalty points keep customers coming back and occasionally provide the extra nudge when a customer is deciding between your store and another, referral bonuses get your customers to market for you.

Grow Your Lists

A fully developed set of email lists is a must for any business in the modern marketing landscape. You should maintain multiple lists with everything from currently active members to former customers and those who merely expressed interest in the past. Online funnels are a great way to gather emails from prospective customers by offering a simple deal for those who provide an email address.Once you have a set of lists set up you can target your email campaigns to hit the types of customers most likely to be intrigued by the emails you are sending. Email lists are an excellent way to get your offers and deals in front of a large number of consumers who have already shown they are intrigued by what you’re offering.

Find the Right Partners

When two companies have crossover in their client lists without having competition it’s the perfect opportunity to work together so that both companies benefit. An office with a health policy which helps to cover gym fees can partner up with a local gym for special rates, for example. The gym gets increased business from the employees choosing to use the gym for greatly reduced out of pocket spending while the office benefits from being able to offer a great deal in order to attract top talent.

Embrace Innovated Technologies

There’s no better way to set yourself apart from the competition than being innovative and changing the game. When your company has something that makes it truly unique you should take advantage of that unique hook to draw eyes to your brand, like Mark Crumpacker, Zume Culinary’s Chief Marketing Officer, did in his time with the company and its fleet of mobile pizza kitchens. There are few industries which are not crowded with competition, so highlighting what makes your business special helps you to make a name for your brand and stand out from the crowd.

The right marketing campaign can take your company to places it’s never been before. If you’re unsure of the next step for your marketing strategies try some of the above techniques and you’ll likely see new faces walking through the doors before you know it.

Find Cheap Auto Liability Insurance

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Auto liability insurance is neither the most expensive nor the shortest lived thing on a used car. Still, it is sold, rather expensive. No matter if in the car dealership or in the free car market. The car trade lives from it, and that is probably no secret about it.

Check the car market using VIN codes

Vehicle Identification Number helps find information about the car’s place of manufacture. And that’s where we start.

Moreover, in the car trade, there are many online services that provide data on the internals of the car. It is also advisable to look under the hood. Check how the windscreen wipers work. Check if the power windows are not replaced. Check if the front passenger door does not have the stickers you should find on the driver’s door. The next thing worth checking is the insurance.

Which type of insurance should you take?

Here is what you should know when selecting the type of insurance, such as:

  • Liability (damage you inflict on others)
  • The partial coverage in case of, well, partial damage. It may be a broken glass, theft and the likes. A deductible up to 2,500 USD is possible.

Insurance broker or online check?

There are classic insurance brokers who come home when you buy your new old car and help you fill out the application forms. Almost all major insurance companies, by the way, operate a network of full-time and part-time brokers. These guys are familiar with the topic of CheapAutoInsurance. They are also experts in all things “insurance” their bosses have to offer.

Direct insurers can offer cheaper car rates than established companies because of a lean administrative system. You can use the financial advantage for yourself. Auto insurance comparison can help you find a cheap insurance policy with the right range of benefits.

Key Facts

Here is the information you should have at hand:

  1. Type of your vehicle
  2. Regional class
  3. Damage-free discounts in liability and comprehensive insurance. Those who remain accident-free get higher discounts every year
  4. Type of insurance, liability, partial or full insurance

If you buy a used car, you have the option to take over the car insurance from the previous owner. The contract would be written anew, in your name, and the contribution is recalculated according to your personal conditions (for example, your current non-breach class). Still, the majority used car buyers do not make use of this option, but immediately conclude new car insurance with a provider of their choice.

Full insurance and partial coverage in comparison

These two are different. Direct insurers can offer cheaper car rates than established companies because of a lean administrative system. You can use the financial advantage for yourself. Auto insurance comparison can help you find a cheap insurance policy with the right range of benefits.

Summary

The insurance benefits vary at the motor insurers. In liability insurance, the companies are unanimous. It is different in the case of comprehensive insurance. Inform yourself in time about the current additional options, which are currently included in your car insurance. Do you really need all the additional modules? Calculate your contribution to the motor insurance premium best with and without additional options. If you choose workshop binding instead, you will not be able to have your vehicle repaired at any garage without any problem, but the annual fee for your car premium will be considerably lower.

How Americans Can Deal with the Rising Costs of Living

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Have you ever felt like your income stretches a little less as time goes on, even if the amount on your paycheck has remained the same? Well, the “good” news is that you’re not imagining this phenomenon. But the more challenging news is that you, along with Americans everywhere, are dealing with the rising costs of living—inflation not necessarily reflected in salaries and hourly wages.

So, what’s a consumer to do when the cost of living is outpacing their earnings? Here’s more on what’s happening and some tips for making every cent of your income count.

While Cost of Living Rises, Wages Stay Stagnant

At first glance, the current economy is chugging along: Unemployment’s at a low following the gradual recovery from our last recession, and wages are up. But what’s increasing even more rapidly than income is the cost of living. One survey found the cost of living in America has climbed 14 percent within the last three years. The median cost for a home has jumped 21 percent, while median rent has gone up by 7.6 percent across the same period.

As debt expert and Freedom Debt Relief co-founder Andrew Housser writes, many U.S. consumers are feeling the pinch as a result: household savings rates are down, few people have the emergency funds they’d need to cover an unexpected expense, and household budgets are “more fragile for the lower part of the income distribution.”

The takeaway? In the face of the rising costs of living, it’s more important than ever to make the most of every penny you earn.

Tips for Making the Most of Your Income

Instead of using paychecks as a means to stay afloat, get strategic about how you use each and every one. Here are a few choice tips from the Las Vegas Review-Journal for doing so:

  • Create a budget: Avoid randomly using your paychecks to address expenses by writing them down in order of cost and necessity, then logging how much of your paycheck goes to each one. Prioritize from there. You can use a spreadsheet or a budgeting app to stay current on your budget.
  • Adjust how much you’re withholding: You may be withholding too much from each paycheck in the name of getting a refund at the end of the year; that’s money you could use each month to save, pay down debt, etc.
  • Pay down debt: Interest on outstanding debts will hold you back over time, so it’s wise to pay more than the minimum. Many people find it helpful to pay down debts in descending order based on either balance or interest rate.
  • Set up automatic savings: To avoid the temptation of accidentally overspending, make sure a healthy percentage of each check automatically goes toward saving.
  • Build up your emergency fund: Make sure a portion of each paycheck goes into a separate emergency fund to pad you against future catastrophes large and small.
  • Plan for the future: Even though retirement may seem a long way off, setting aside a percentage of each paycheck will set you up for the future once your income stops.
  • Have some fun, too: Once you’ve prioritized the aforementioned financial goals, you can use some of your paycheck to reward yourself for staying on track. Allowing yourself some wiggle room for discretionary spending is important.

Instead of expecting yourself to avoid discretionary spending altogether, simply build it into your budget as something you can do after you budget for necessities. This will help you wring more value out of each paycheck.

It’s undeniable the costs of living are going up for Americans, which makes it more important than ever to be strategic about how you use your income.

Istanbul Mayoral Re-Run: Erdogan’s Party Suffers Historic Defeat

Turkish President Recep Tayyip Erdogan’s ruling AK Party has lost control of Istanbul after a re-run of the city’s mayoral election.

With nearly all ballots counted, main opposition party candidate Ekrem Imamoglu, 49, had a lead of 775,000 votes, a huge increase on the margin of 13,000 he achieved in the earlier election.

The March victory was annulled after the AKP alleged irregularities.

The result ends 25 years of AKP rule in Istanbul.

The AKP’s candidate, former PM Binali Yildirim, conceded to his opponent.

President Erdogan tweeted: “I congratulate Ekrem Imamoglu who has won the election based on preliminary results.”

The president had previously said that “whoever wins Istanbul, wins Turkey”. He has ruled the country since 2003 both as prime minister and now president, becoming the most powerful leader since Mustafa Kemal Atatürk, the founder of the modern Turkish republic.

In his victory speech, Ekrem Imamoglu, of the Republican People’s Party (CHP), said the result marked a “new beginning” for both Istanbul and Turkey. He said his supporters had “fixed democracy”.

“We are opening up a new page in Istanbul,” he added.

“On this new page, there will be justice, equality, love.”

Ekrem Imamoglu added that he was willing to work with President Erdogan, saying: “Mr. President, I am ready to work in harmony with you.”

Turkey Local Elections 2019: Erdogan’s AKP Loses Ankara and Other Cities

Turkey Coup Trial: 104 Army Plotters Sentenced to Life in Prison

With 99% of votes counted, Ekrem Imamoglu had 54% of the vote and Binali Yildirim 45%.

Ekrem Imamoglu is the mayor of Istanbul’s Beylikduzu district but his name was barely known before he ran in the March election.

Binali Yildirim was a founding member of Recep Tayyip Erdogan’s AKP and was prime minister from 2016 until 2018, when Turkey became a presidential democracy and the role ceased to exist.

He was elected Speaker of the new parliament in February and before that served as minister of transportation and communication.

Ekrem Imamoglu’s victory of 13,000 votes in March was not enough for Binali Yildirim to accept defeat.

The AK Party alleged that votes were stolen and many ballot box observers did not have official approval, leading the election board to demand a re-run of the vote.

Critics argue that pressure from President Erdogan was behind the decision.

Istanbul is Turkey’s largest city, with a population of 15 million, not far short of a fifth of the country’s 80 million, and is also the nation’s business hub.

Local currency, the lira, down 10% this year, rose on news of the result.

Istanbul is also close to President Erdogan’s heart – his political career rose there as his AKP took power in the city a quarter of a century ago and he himself served as mayor from 1994 to 1998.

The city accounts for just short of a third of Turkey’s GDP. It has a $4 billion municipal budget which spawns lucrative contacts. The AKP has now lost control of it.

Part of Ekrem Imamoglu’s campaign was to allege the squandering of public money by the AKP.

Although less conservative as a whole than the AKP’s rural heartland, Istanbul still has conservative districts such as Fatih, but Ekrem Imamoglu also won there and in President Erdogan’s own childhood district of Beyoglu.

Turkey’s capital, Ankara, Istanbul and Izmir are all now in opposition hands.

Gulf Crisis: President Trump Pulls Back on Air Strikes on Iran 10 Minutes Before Planned Attack

President Donald Trump has revealed that the US military was “cocked and loaded to retaliate” against Iran, but he changed his mind 10 minutes before planned strikes.

The president said he had called off strikes after being told 150 people would die.

Donald Trump tweeted: “10 minutes before the strike I stopped it, not proportionate to shooting down an unmanned drone.”

Attacks on three sites were planned in response to the shooting down of a US unmanned drone this week.

The late reversal was first reported by the New York Times on June 20. The newspaper said the operation had been “in its early stages” when President Trump stood the US military down.

On June 21, President Trump said: “I am in no hurry.”

“Our military is rebuilt, new, and ready to go, by far the best in the world.”

The president said Iran had downed the drone on June 17, despite an earlier US military statement that the incident happened at 23:35 GMT on June 19 (04:05 Iran time on June 20).

On June 21, President Trump told NBC News that he decided not to give final approval to the planned strikes because of the predicted death toll.

He said: “I didn’t like it. I didn’t think it was proportionate.”

Tehran says the unmanned US aircraft entered Iranian airspace early on June 20. The US maintains it was shot down in international airspace.

Tensions have been escalating between the two states, with the US recently blaming Iran for attacks on oil tankers operating in the region.

Iran has announced it will soon exceed international agreed limits on its nuclear program.

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In 2018, the US unilaterally pulled out of a 2015 nuclear deal aimed at curbing Iran’s nuclear activities.

“Iran can NEVER have nuclear weapons,” President Trump said in his tweets on the aborted strikes – also revealing that increased economic sanctions against Iran were “added last night”.

The US has now asked the UN Security Council to meet on June 24 to discuss Iran, Reuters reports.

In its initial report, The New York Times said that as late as 19:00 local time on June 20, US military and diplomatic officials had still expected the strikes to take place on agreed targets, including Iranian radar and missile batteries.

However, President Trump refuted this report on June 21, telling NBC that no planes were in the air.

The strikes had been set to take place just before dawn on June 21 to minimize risk to the Iranian military or to civilians, the New York Times report added.

Tweeting on June 21, President Trump said three sites had been targeted.

Meanwhile, the Associated Press quoted a US official as saying the strikes had been recommended by the Pentagon and had been among options presented to senior administration officials.

According to the New York Times, top Pentagon officials warned a military response could result in a spiraling escalation with risks for US forces in the region.

The operation was called off after President Trump spent most of day on June 20 discussing Iran with his national security advisers and congressional leaders, AP reports.

Secretary of State Mike Pompeo and National Security Advisor John Bolton had pushed for a hard-line stance, but congressional leaders urged caution, the agency says.

Separately, Reuters quoted two Iranian officials as saying Tehran had received a message from President Trump through Oman overnight warning about an imminent US attack.

That report was later denied by a spokesman for Iran’s National Security Council, who said there was no truth to it and no message was sent.

In the US, Democratic House Speaker Nancy Pelosi said America had no appetite for war with Iran, while the leading candidate for the Democratic presidential nomination, Joe Biden, called President Trump’s Iran strategy a “self-inflicted disaster”.

Russian President Vladimir Putin said a war would be a “catastrophe with unpredictable consequences”.

UN Secretary General Antonio Guterres urged all parties to exercise maximum restraint.

On June 20, the FAA issued an emergency order prohibiting US airlines from operating in an overwater area of Tehran-controlled airspace nearby in response.

Airlines from other countries, as KLM, Emirates, British Airways and Qantas, have also said they will re-route their flights to avoid parts of Iran.

EU Threatens to Impose Sanctions on Turkey over Cyprus Drilling

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Turkey has been threatened with sanctions by the EU if it continues “illegal drilling” in waters near Cyprus in the eastern Mediterranean.

The warning came at an EU summit in Brussels.

EU Commission President Jean-Claude Juncker called Turkey’s actions “totally unacceptable”.

On June 20, Turkey launched the Yavuz, a second drilling ship for natural gas and oil prospecting off Cyprus.

The Republic of Cyprus is an EU member, but the breakaway north is pro-Turkey.

The European Council called on Turkey to “show restraint, respect the sovereign rights of Cyprus and refrain from any such actions”.

The statement said: “The European Council endorses the invitation to the [EU] Commission and the EEAS [EU foreign affairs service] to submit options for appropriate measures without delay, including targeted measures.”

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The self-declared Turkish Republic of Northern Cyprus is recognized only by Turkey, and is internationally isolated.

Turkey said it was drilling inside its continental shelf, complying with international law.

A Turkish drilling ship, the Fatih, had been anchored west of Cyprus since early May and had begun drilling, the Reuters reported.

Turkey is a candidate for EU membership but its negotiations are currently frozen. The EU Commission has said President Recep Tayyip Erdogan’s government has backtracked on pledges to improve justice and the rule of law. The Turkish government has purged state institutions since an abortive coup attempt against Recep Tayyip Erdogan in July 2016.

Greek PM Alexis Tsipras said the threatened EU measures “are against companies and individuals, a possible EU accession process freeze and measures with significant economic consequences”.

He said at Brussels summit: “These will take place unless Turkey stops its illegal operations inside the Exclusive Economic Zone of Cyprus.”

Turkey – a key NATO partner for the West – has extensive trade ties with the EU and has not yet been hit with EU sanctions, unlike Russia.

The US has also threatened Turkey with sanctions if President Erdogan goes ahead with a deal to buy S-400 air defense missiles from Russia.

President Trump Threatens Time Photographer with Prison over Kim Jong-un Letter

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President Donald Trump threatened a Time magazine photographer with prison for apparently taking a picture of a letter from North Korean leader Kim Jong-un.

The president rebuked the photographer in the Oval Office after he was warned by an aide not to take a photo, according to Time‘s transcript.

The interview continued, but grew heated after the special counsel’s investigation of President Trump came up.

“You can go to prison instead,” Donald Trump is quoted as saying.

The interview took place at the White House on June 17, two days before President Trump traveled to Florida to formally launch his 2020 re-election campaign.

At several points during the interview, President Trump asked to speak off-the-record, including in the moments after showing the Time reporters a letter he said was from Kim Jong-un.

“Here’s a letter, OK, now I’m going to show you this letter,” said the president.

“So this was written by Kim Jong-un. It was delivered to me yesterday. By hand.”

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As the conversation turned to his potential Democratic challengers in next year’s election, White House press secretary Sarah Sanders told the journalists: “You can’t take a picture of that, sorry.”

“What was that?!” President Trump exclaims.

The interview continues as the reporters ask about who President Trump sees as his toughest political opponent for 2020.

“Uh, I don’t know. Look, I think I’ve done so much. Could you bring the list of things, please, give me four of them,” President Trump tells an aide, who quickly presents one, saying it was made “for today”.

According to the transcript, Donald Trump becomes more prickly when Time challenges an assertion by him.

The reporter reminds the president that some of his aides had “testified under oath, under threat of prison time” that the president had tried to influence the investigation by special counsel Robert Mueller.

President Trump snaps back: “Excuse me… Well, you can go to prison instead, because if you use, if you use the photograph you took of the letter that I gave you confidentially.

“I didn’t give it to you to take photographs of it – So don’t play that game with me.”

The journalist from Time responds: “I’m sorry, Mr. President. Were you threatening me with prison time?”

Donald Trump replies: “Well, I told you the following. I told you, you can look at this off the record. That doesn’t mean you take out your camera and start taking pictures of it. OK?

“So I hope you don’t have a picture of it.

“I know you were very quick to pull it out – even you were surprised to see that.

“You can’t do that stuff. So go have fun with your story. Because I’m sure it will be the 28th horrible story I have in Time magazine.”

Donald Trump has long had an interest in Time magazine, and has previously had fake issues printed with himself on the cover and framed at his golf resorts.

He was named person of the year in 2016.

In 2017, he claimed to have turned down an offer to be the magazine’s person of the year again, which Time‘s editorial staff said was untrue.

However, in 2018, Time‘s annual person of the year award was dedicated to persecuted journalists.

https://www.youtube.com/watch?v=W0iLpuCvX1w

Digital Love: Is It Possible to Meet a Future Partner on the Internet?

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Almost everyone has ever heard about a couple who have met on a dating website or on social media and has lived happily ever after. Logically, it leads to the thoughts about trying own destiny on the web. However, there is something inside which prevents from pressing the button Sign up on a dating website. To stop doubting, one shall find out the reasons for this fear.

Examples of happy couples who have got acquainted on the Internet are alluring like fairy-tales. However, the feeling of irreality does not let you dare to date online. Looking at attractive Ukrainian brides on a dating resource, there are doubts how such beautiful women can be lonely. Let us find out the main obstacles on your way to happiness.

Myths about Online Dating Which Interfere with Happiness

1. Hot women do not lack attention from men and cannot seek for a husband online.

Attractive women often feel lonely. Among them, as well as among men, there are lots of those who work hard, that is why they lack time for regular acquaintances in bars. If a man finds an attractive girl on the Internet, quite probably, she has decided to focus on those who have got serious intentions and have decided to find a wife for a lifetime on a dating website.

2. All information in profiles is untrue.

 Undoubtedly, everyone will try to look more attractive, younger, and more successful on the web. But what is the sense to write the facts which are completely dishonest? Earlier or later, a real-life meeting will take place, and the truth will be revealed. Hardly, a relationship which has started with a lie will end up with a happy marriage.

3. Every woman or man on a dating website is a scammer looking for easy profit.

Unfortunately, there are plenty of resources who have already fooled lots of men and women who have believed in online love. The only remedy from this problem is making a scrupulous check of a resource where one would like to log on. It is better to spend more time googling than to be disappointed after several weeks of chatting and emailing.

4. It is impossible to get to know a person through chatting.

Communicating on the Internet, indeed, people have got the possibility to think before replying. Thus, it means that the response is well-thought. On the other side, shy and timid people can express themselves and let a potential partner get to know him or her more.

5. There is no way to meet a person from a dating website in real life.

Unfair resources do not provide this opportunity. Thus, a user may spend money on their services without the chance to meet a man or woman in reality, as well as cannot get contact information. The way out is quite simple: choose a reliable dating resource.

All of the obstacles are created in the heads. If a person has decided to find a partner, all the doubts and fears should be thrown away, and each chance to be happy shall be used.