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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.”

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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.

White House 2020: Donald Trump Kicks Off Re-Election Campaign at Orlando Event

President Donald Trump has officially launched his 2020 re-election bid, urging supporters to “keep this team in place” for four more years.

He made his case before thousands of supporters at a rally in Orlando, Florida, calling the state “my second home”.

The Republican president used the announcement to lash out at Democrats, accusing them of trying to “rip your country apart”.

Early polls place Donald Trump behind some potential Democratic challengers.

The president entered the stage with his wife, Melania Trump, who said she was “excited” to be first lady for six more years.

Senior figures from the White House, including VP Mike Pence and outgoing press secretary Sarah Sanders, also spoke at the rally.

President Trump told supporters: “Tonight I stand before you to officially launch my campaign for a second term as president of the United States.

“I promise you I will never ever let you down.”

Florida is a key battleground state and one that Donald Trump narrowly won in 2016.

“We are going to keep America great again,” President Trump told the Orlando event on June 18, in a reworking of his familiar slogan.

Some supporters had been waiting since the early hours of Monday morning to see the president.

A counter-demonstration against his appearance was also held nearby.

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During his roughly 80-minute speech, President Trump reiterated key themes of his winning 2016 campaign.

The president pledged to continue a crackdown against illegal immigration, one day after tweeting that US Immigration and Customs Enforcement (ICE) would soon begin removing “millions of illegal aliens” from the country.

He told Florida supporters: “We believe our country should be a sanctuary for law-abiding citizens, not for criminal aliens.”

Donald Trump also accused Democrats of seeking to legalize illegal immigration in order to boost their voting base, and said they “want to destroy our country as we know it”.

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President Trump described his opponents as a “radical left-wing mob” who he said would bring socialism to the US.

He told the crowd: “A vote for any Democrat in 2020 is a vote for the rise of radical socialism and the destruction of the American dream.”

President Trump also praised the economy, criticized the Mueller investigation into alleged collusion between the 2016 Trump campaign and Russia, and referred to media covering the event as “fake news back there”.

Donald Trump also elicited “lock her up” chants from supporters when he brought up Hillary Clinton, despite her not being in the 2020 race.

How to Develop a Strong e-Commerce Brand in Fashion

Fashion is such a lucrative industry to enter in. After all, there will always be people who are obsessed with major labels and lots of designer goods. At a very basic level, people will always need clothes to wear. If you have a really strong passion for fashion, it’s a great idea to parlay this into a business. Unfortunately, there are many people who don’t believe that a person can find success within the fashion world. It’s actually not as competitive as you think. You just have to be intentional about finding your specific niche within the fashion world. There are plenty of options to consider. 

Vendor Sales 

There are tons of vendors who sell their merchandise to different boutiques at a range of prices. In this case, you can set up an e-commerce store. You’ll want to make sure there’s a feature that handles the transactions. Consider installing a big commerce enterprise system or one that’s similar. Purchase large quantities of specific items from that vendor, and sell the items on your website. To make the items pop, it’s a great idea to hire models and host photo shoots where they are modeling the clothes in front of a backdrop. There are plenty of successful businesswomen who have served as their own model before they were able to hire someone else. It’s okay to be resourceful in the way you showcase the items. Then, you’ll want to aggressively promote the pieces on social media. Find different influencers who can model your pieces and get them in front of larger audiences. As you’re consistent with this effort, you can build a strong brand in fashion from your home. 

Social Media Influencing 

If you’d prefer to be the one in front of the camera, social media influencing is a great option to consider. If you can collaborate with a great photographer, this is a great option to choose. It’s also great to make sure you have a clear sense of fashion and your own personal style. When you’re first starting out as a social media influencer, you’ll have to build your audience. It’ll take time before the large brands approach you about doing campaigns or sponsored posts for them. This is why it’s important to invest in the beginning. Find ways to build a clothing budget for each month. As you shoot in different outfits, you can always opt to resell them online. If you choose to keep them, that’s fine as well. However, get creative with the financing so that you’re not going into debt while you’re creating excellent content for your followers. 

Image by Анастасия Гепп from Pixabay

Styling

You can always choose the right of becoming a personal stylist. A lot of people would love help with their closets. If you promote your services to the average woman, this can help you build some traction. Consider helping women who are looking for the best ways to dress their body after they’ve had a baby. Teach women how to create effortless style. As you curate clothing for each woman’s body, this will be one less thing a woman has to worry about. As a result, you’ll be viewed as an angel that they want everyone to know about. Plus, your work will speak for itself. Word-of-mouth marketing tends to be the best kind because this means that other people can actually vouch for the excellence you produce. When others recommend your services to others, this is the gift that keeps on giving. Consider ways that you can create services for many price points and still thrive as a stylist. 

Tailoring

Tailoring is such an incredible skill to possess. If a gentleman purchases a suit jacket from Walmart and gives it to a tailor to take care of, the suit jacket can easily look like it came from an Italian suit maker. Tailoring is so essential for a polished look. This is why it’s a great idea to improve your skills as a tailor. You can also craft unique pieces that are tailored for different body types. If you purchase a simple jean jacket from the thrift store, transform it into a peplum jean jacket for a woman with specific measurements. As your clients send in their measurements to you, you can charge top dollar for the tailored designs. You can also choose to work with local clients only. It’s up to you. 

Subscription Services

Subscription services are truly trending. Many people love the food subscription services that allow a person to pull out the portion sizes and cook exactly what they need. In this case, you can apply this same concept to fashion by providing a lookbook. Craft the lookbook with interesting designs that fall under the client’s style profile. You can include the links to the various items they can purchase. Include your affiliate links to those specific items. If and when they purchase an item, you’ll get a commission on top of the fee that you charge for the subscription service.

Thinking of Buying a Boat? 9 Factors to Consider

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Do you recall your last experience on a boat ride? It must have been epic! Now imagine owning a boat. It will give you a far better experience.

However, acquiring a boat can be hectic. You need to weigh your options and see if it’s worth buying a boat or renting one.

If you settle on buying a boat, here are some factors to consider.

Speedboat with Sign SALE on White Placard

1. Do You Want a New or a Refurbished Boat?

How much are you willing to spend on the boat? A new boat will cost you more, but it’s more advantageous.

You don’t have to worry about wear and tear for the first several years because all the parts are new.

Refurbished boats are cheaper than new ones. However, some have significantly depreciated and have limited functionality.

In case they have any malfunctioning parts, you’ll have to incur repair costs since it has no warranty. To avoid all this, get a trained mechanic to do a thorough inspection of the refurbished boat before you buy it.

2. What’s the Intended Use?

Why do you want to buy a boat? Boats have several uses that are widely categorized into commercial, security, research, sports, transport, and personal use. Look at the size of the boat and how it functions.

For instance, a family boat should be spacious and have compartments to store food and personal items needed for family vacations. It should also be designed to feel warm and homely. A sports boat should have a strong engine that supports sporting activities.

All the same, don’t limit yourself. Get a versatile boat that has multipurpose functions.

3. Size Matters!

The purpose of the boat dictates the size. A family boat requires more space compared to a two-person fishing boat.

An aluminium fishing boat with measurements ranging from 8-24 feet can comfortably hold eight people. At the same time, a multipurpose speedboat ranging from 16-24 feet can also hold the same number of people.

The occupancy, coupled with the purpose of the boat, should guide you when looking into the specifications of the boat you intend to buy.

4. How Many Times Will You Use the Boat?

How frequently will you use the boat? Every day, once in a week, month or two months? If you intend to use it frequently, then ‘it’s wise to purchase a new boat.

If you ‘aren’t a frequent user, consider other options such as buying a used boat or renting.

5. The Type of Boat

There are two common types of boats; sailboats and motor powered boats. Motor powered boats are easier to drive while the sailing boats usually rely on the wind.

The choice depends on personal preference. It also depends on what you intend to use the boat for. If you need a boat for a relaxing and quite fishing time, a sailing boat is better.

If you enjoy activities such as waterskiing, go for a motor powered boat.

6. Storage Is a Key Consideration

Where do you intend to keep your boat? This is one of the most important considerations to make. Some people may keep their boats on a trailer so they can explore various waterways. Others dock their boats at a home port marina.

The bigger the boat you buy, the stronger and larger the truck, trailer or car you will require to pull it while traveling.

If you end up getting a huge boat, keep in mind that you will hire professionals to move it. You might end up needing permits to move it to long distance locations.

During winter, it ‘won’t be possible to use your boat. So you need to factor the storage costs for such long periods.

7. Insurance Costs

Whether you intend to buy a new or refurbished boat, you must factor insurance costs. For that, you will need an agent who specializes in marine boat insurance.

When shopping for a boat, work with an agent because most of them have relationships with specific boat insurance companies, and they can help you get a good bargain on the boat and the insurance rates.

Also, remember that a boat’s insurance premium and coverage is directly affected by its size, cost of purchase, and the age.

Commercial boats are therefore relatively easy to be maintained. This is because money earned in their operations covers the insurance expenses, unlike non-commercial boats.

8. Payment Methods

Consider your financing options while buying a boat. You can pay cash, take a loan or pay in installments. Whichever way suits you, look at the interest rates and the payment period.

If ‘you’re thinking of paying in installments, keep in mind that different dealers have different requirements depending on the type, value and age of the boat you intend to purchase.

In most cases, depending on the cost of the boat, you will require an initial deposit.

If you decide to take a loan, consider the time you want to service it depending on how your income flows.

9. Do a Thorough Inspection of the Boat before Finalizing the Purchase

Buying a new boat? Make sure a trained mechanic conducts a thorough inspection to ensure everything meets all legal requirements.

You also need to be acquainted about maritime laws. Find out more here.

Ensure your boat has such things as lifejackets, a first aid kit, an equipped toolbox, a warranty, and of course ‘it’s insured.

Before buying a used boat, look out for the following:

1. Inspect for any signs of damage. If you come across cracking, moisture in fiberglass, flexing, and mould on the floor, don’t buy the boat. These are signs of an old and rotting boat.

2. Check the electronics work. Seized bilge pumps and burnt-out bulbs have affordable solutions. However, if multiple devices on the fritz don’t function, it could mean faulty wiring. If the engine overheats, that means trouble!

Ensure You Make an Informed Decision When Buying a Boat

Buying a boat is a significant lifetime achievement. You don’t want to make a mistake of purchasing a faulty, dysfunctional boat. Consult widely.

Shop until you find the one that suits your needs. It’s easier and better to get advice from a professional dealer.

Check out our blog posts to learn more about lifestyle decisions and don’t forget to bookmark our site to never miss a new post!

7 Ways to Show You Love Your Pet and Want Them to be Healthy

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If you have a furry friend at home. then you can attest to the fact that they need to feel loved and cared for. It is important to know how to love your pet and have time for them even in your busy schedule.

Loving your dog or cat does not have to be an expensive and time-consuming event. All you need to know is some simple gestures and acts to make them feel loved.

It is quite easy to know if your pet loves you because they will always want to spend time with you, jump on your lap, want to cuddle up with you on the best, so much more. Dogs are known to be able to read the emotions of their owners and feel sad too. Therefore, you need to be able to reciprocate this love too.

7 Simple Ways to Love Your Pet

Pet lovers often wonder if their pets know that they love them and how they can be able to do it. In as much as your pet may not understand the words “I love you” just by saying them, there are ways in which you can make them feel loved, cared for and appreciated. It is natural for your cat or dog to want to feel loved by you.

One of the best ways to show your pet that you love them is by making sure they are healthy. This means you need to provide good food for them and also take them to the doctors whenever they are sick or just for regular check-ups.

With many products in the market that can show your dog love, how do you know which is the best for them? Check out more ways of showing your dog love.

1. Exercise

Cats and dogs love to exercise and denying them this will make them not feel cared for. Make time in your day to exercise your pet. You can also take advantage of this as your bonding time.

Do not just let your dog run around in the park alone. You can buy a ball or disc and play fetch with it. Walking or running together will your dog will not only exercise your dog but you as well.

Cats can be very fun to play with too. Take a ball and toss it around with your cat and watch them run after it and roll around with it.

Exercise and play times create a fun and interactive time between you and your pet and they will be always looking forward to them. Remember to buy your dog a good and comfortable collar and leash. Buy your pet the right kind of toys for their age.

Exercises just in humans provides pets with good physical, mental, and emotional health.

2. Learn Their Body Language

Pets communicate with their body language and some sounds. It can be easy to understand what your cat or dog wants if you take the time to learn their body language. If you can be able to understand what your cat or dog is trying to tell you using their actions, then they will definitely feel that you love them.

There are devices and techniques available in the market today that can help you understand the language of your furry friends.

You will also be creating a strong bond with your pet if you can understand them. Well, this might not be easy and might also take time but if you love your pets you will enjoy learning to communicate with them better. Your dog understands you, you need to understand it too.

3. Give Them Healthy Meals

It gets a little tricky when it comes to pet food. Companies advertise their products as the best, and this makes it almost impossible to pick one. Cats can be very picky with their food and you cannot keep changing their food regularly as this can lead to anxiety.

Take your time to research and only get the best food from a company that you trust will always be in the market.

You should also make sure that you feed your pet a well-balanced meal and give them clean water for drinking. Buy your cat or dog their own special plate and drinking bowl. Create a specific feeding area for your cat or dog, do not just feed them from anywhere in the house.

This way, they will be going there whenever they are hungry. It is a nice idea to buy your pet some snacks that they can take in between meals. Treat your pet as if it were a human being.

4. Regular Check-Up with the Vet

Many of us dread doctors and dentist appointments. Guess what? So do pets.

Why don’t you try to make it a little fun for them? Carry their favorite toy with you, a few treats for them and make it a fun trip down to the vet’s shop.

It is important to regularly check in with your pet’s vet to make sure that they are in good shape. Do not forget to have their teeth checked too.

This is the only way to make sure that your pet is properly vaccinated. If your dog loves spending time in the dog park, it is even more important because you cannot be sure if they came into contact with any stray dog, as they do carry a lot of diseases. Along with pet visits, it’s important to stay covered with a pet plan. Head over to Bivvy if you don’t have pet insurance already.

5. Healthy habits

Human beings normally go the extra mile to ensure that they are in perfect health, both mentally and physically. Such habits include getting medication when needed, using supplements and visiting a masseuse once in a while. You can do the same for your pet.

There are a number of products that also include treats that your pet will love. What better way to show your pet how much you love them?

6. Wash Your Pet Regularly

In fact, why don’t you go ahead and have a mini spa day with your pet? Most pet owners wash their dogs once in three months, some do it weekly and some almost never. Planning your pet’s shower day ahead will give you time to plan for a fun-filled day.

Well if your pet does not like water you can slowly build them up to it by planning some water games. Washing your pet shows that you care and your pet will feel this care and love from the way you do it. Remember to clean your pets’ bowls and sleeping, living and playing areas as frequent as you can.

A pet owner should always make sure that the animal is clean and lives in a clean environment. When your pet is clean it will not have itchy skin and will be able to play and relax more. Your dog or cat will appreciate a clean environment.

7. Create Your Pet a Personal Space

There are times that even cats and dogs want some little privacy. Creating a comfortable space for them will show them how much you care for them and their well-being. Remember, when your pet is in their personal space, try not to disturb them or play with them or even throw things at them.

Your pet’s personal space is for them to unwind and just relax. Make sure the place is comfortable, warm and soft.

This space will benefit you too because should you ever have to leave your dog at home when you are at work, they will not feel abandoned and develop anxiety. They will know that they have their own safe place that they relax and wait for you to come back.

If You Love Your Pet, Take Care of It

Your pet does not need to know all the cool tricks in the park or be the cutest thing ever for you to show that you love them. You can love your pet in the simple methods listed above.

At times, your pet may make mistakes like destroying or chewing up their toys. All you need to do is look for a way to discipline and still show that you love them. Since you are taking your time to understand their body language, they will also learn to understand you.

For more informative and updated news articles, continue reading through our website.

How to Get Away With Using a Fake ID?

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We all go through a phase in our lives where we wish we were 21. It can be because you want to drink alcohol or party at a club but the fun can be ruined because you are not old enough. Fake ID is what you would need in such a situation. Latest technologies have made it easier to acquire a fake ID and increased its business. It’s not legal to acquire a fake ID but it’s worth the risk to enjoy yourself. You don’t want to spend your weekend in your room or at a warehouse party and want to have real fun. Faking an ID can get you through the night. Many of us are scared to get caught by bouncers and to be thrown out. So here are some tips you can follow to get away with using a fake ID.

Act Normal:

It might seem like an obvious tip but it’s a classic failing point. Most of the students get caught because they are unable to act normal with a fake ID on them. You should think about how you would act around if you had a real ID and should do that.  Don’t try to hide into crowds or discuss a game plan in front of the guards. Bouncers get doubtful when they see you doing such things and would definitely check your ID. Avoiding eye contact also means you are giving away your identity as an underage person. Again, when you go to buy alcohol, don’t get nervous and act like you are grocery shopping. Nervous hands and laughter can alert the bouncers. Don’t attract too much attention towards you. Also, don’t whip out your ID as you reach the counter. Wait for them to ask for the ID and hand it over like you would give away cash. Acting normal and casual is the most important step to avoid any detection. Else, you would be revealing yourself voluntarily.

Look Older:

You are obviously younger than you are trying to pretend. It would be best if you would dress up and try to make yourself look older so no one doubts you in the first place. For boys, it’s better to grow facial hairs and dressing less groomed can help. This can easily fool other people as appearances become deceiving. Grownups prefer a casual shirt with jackets rather than a T-shirt for parties so dressing can make a huge difference. Girls can also try to look older by dressing in a more mature way and not behaving childishly. Doormen are suspicious if the students escape eye contact and refuse to argue. So, wear confidence as a dress and not let them undermine you.

Stay Calm:

If you are shaking and sweating profusely, there is no chance in hell that you will make it through the door. Calm down around the corner, go take a walk and come back. Wear a smile on your face to get yourself moving. Students often become anxious and try to hide their photo on the ID cards making the bouncers doubtful. There is no need to be scared as faking an ID for getting into club is not a serious crime and is mostly neglected by the authorities so be calm and smooth with your actions. Students should avoid making these silly mistakes to make it through the night.

Buy an ID From a Reliable Source:

There are many suppliers in the State that make false IDs. Some of them make really good ones while some lack the skills. Ask around and get a good recommendation before you buy a fake ID for yourself. You can ask a friend or acquaintance and rely on their advice on the basis of whether their ID was accepted or thrown away at a bar. You should rely on the recommendation from a trustworthy friend. Fake ID reviews can help you achieve a suitable false ID for yourself.

Once you have decided to get a fake ID, you should keep these things in mind. Get an ID that is suitable for your usage. Some students tend to buy fake IDs without checking. The person on the card should be similar to you. Date of birth, height, weight and physical appearance should match with what you are pretending to be or it can backfire. It is best if someone from your family can lend you their ID so you don’t have to go around looking for one. However, while searching to buy a fraudulent ID, choose the nearby state for your ID. It also reduces the probability of getting caught. There are so many kinds of fake IDs available, make sure you choose the right one. Your fake ID must have the same features as your original one. The concerned authorities will fail to detect it easily. Confidence is a must while using your fake ID and avoid getting nervous.

6 Birth Control Options in 2019

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Preventing pregnancy is a top concern for many women, but sometimes finding the right type of birth control can seem daunting. You will not only have to consider the possible side effects of some contraceptives but also decide which method will best fit into your lifestyle so that it can be used consistently and effectively. The good news is that there are multiple types of contraceptives, so you can find one to fit your specific needs. 

Birth Control Pills

Image via Flickr by mr.paille

Probably one of the most well-known types of birth control used is a contraceptive pill. Birth control pills are taken daily and work in a number of ways to prevent pregnancy from occurring. They have one of the highest effective rates with perfect use, meaning that you never miss a dose and take your dose close to the same time each day. You can choose from combination pills or progestin-only pills, often referred to as a mini pill.

Devices

Barrier devices help to prevent pregnancy by preventing the sperm from reaching the egg and fertilizing it. Barrier methods can also be used with spermicide to increase effectiveness, and are highly effective when used correctly and consistently. Some of the most commonly used barrier devices include:

  • Male condoms: The device is made of polyurethane or latex and is placed over the male genital organ before the beginning of sexual intercourse. It is easy to obtain, highly effective, and also helps prevent the transmission of many STDs. 
  • Female condoms: This barrier method is made of polyurethane and works by fixing one ring behind the pubic bone and leaving the other ring outside of the vagina. They are about as effective as a male condom, though they can be more difficult to find.
  • Diaphragm: This barrier method is used in conjunction with spermicide and is a dome-shaped device that is inserted into the vagina to cover the cervix. It will need to be put in place before sexual intercourse and is highly effective, especially when used with a spermicide. 

Injections

Another highly effective method that is ideal for those who have a problem remembering birth control is the depo shot. The shot is progestin-only, making it suitable for those who have had problems with estrogen-based birth control. It works by preventing the release of an egg and is one of the most effective methods when administered in the required time frame. You will need to have the injection every three months to maintain efficiency. 

IUDs

Intrauterine devices are small, T-shaped, flexible devices that are placed into the uterus by a physician. One type of IUD is a copper IUD which releases toxins that kill sperm and can be effective for up to 10 years. You can also choose hormonal IUDs which release progestin and keep the sperm from reaching the egg by thickening the cervical mucus and thinning the walls of the uterus. They have a slim failure rate and can last for three to 10 years, depending on the type you choose. 

Choosing the right birth control option is personal, but an important decision. If you are unsure which method is right for you, have a discussion with your health provider about which method will best suit your lifestyle. 

5 Questions to Ask Yourself Before Taking Out a Loan

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There will come the point in almost everyone’s life in which they’ll ask the question, “Do I need a loan?”

No matter the reason behind the loan, there are other questions you want to ask yourself before you get one. These questions help you decide if the loan is the best option, or if there are other avenues to explore first.

Before taking out a loan, ask yourself the following five questions.

What is the Purpose of the Loan?

First, you should have a reason as to why you’re taking out a loan. If it’s simply to have more money in your bank account, that likely isn’t the best reason.

If you have a goal in mind and that loan will help you achieve it, then borrowing some money may be what you need.

The goal you have in mind will also help you decide on what type of loan to get. Maybe you’re working on starting a business, in which a business loan would be something to look at. Alternatively, you could require a small cash boost for an unforeseen expense such as car repairs in which payday loans could be an option providing you’ll be able to meet the repayments.

How Much Do I Really Need?

It’s important to know exactly how much you need.

Take some time to get as close of an estimate as possible before going for your loan. You want to find a balance between taking out the minimum amount, and also having enough to pay what you need.

What Will My Monthly Payments Look Like?

One of the biggest questions to ask yourself is what your monthly payments will look like, and if you can afford them. Your answer to this one will ultimately determine if you should go forward with the loan or not.

You can use online loan calculators to give you a general idea of your payments. Add that into your monthly budget to see if you’ll have enough money to pay it off.

What Are the Interest Rates?

Interest rates play a critical role in getting a loan. Each month, a percentage of interest rates gets added to your monthly payments. It’s easy to forget about those rates which make a loan more expensive than initially planned.

Remember, the longer you take to pay back the loan, the more you pay in interest fees. Factor in the interest rates to see if you can afford to pay more than the minimum payments.

Do I Qualify for the Loan?

Do you meet all the requirements for the loan? Depending on the type of loan you’re applying for, there may be strict qualifications you have to keep in mind.

Your credit score factors into almost any loan you get. Too low of a credit score and you’ll likely be denied the loan. Other factors include if you have other debt and what your monthly income looks like.

These five questions will help you decide if a loan is the best option for you, and which type of loan you should get. Speak with your potential lender about these questions. You wouldn’t want to take out a loan to only fall into debt.

Mike Pompeo Blames Iran for Attacks on Gulf of Oman Tankers

Secretary of State Mike Pompeo has blamed Iran for “unprovoked attacks” on two oil tankers in the Gulf of Oman on June 13.

The US had made its assessment based on intelligence about the type of weapons used, he said.

Dozens of crew members were rescued after the explosions at the Japanese-owned Kokuka Courageous and the Front Altair, owned by Norway.

Both Iran and the US said they evacuated the crew.

“It is the assessment of the United States that the Islamic Republic of Iran is responsible for the attacks,” the secretary of state said at a news conference in Washington.

“This is based on intelligence, the weapons used, the level of expertise need to execute the operation, recent similar Iranian attacks on shipping, and the fact that no proxy group operating in the area has the resources and proficiency to act with such a high degree of sophistication.”

“This is only the latest in the series of attacks instigated by the Islamic Republic of Iran and its surrogates against American and allied interests.

“Taken as a whole, these unprovoked attacks present a clear threat to international peace and security, a blatant assault on the freedom of navigation, and an unacceptable campaign of escalating tension by Iran,” Mike Pompeo said.

The blasts in one of the world’s busiest oil routes comes a month after four oil tankers were attacked off the United Arab Emirates.

No group or country has admitted the incident in May, which also caused no casualties.

The US at the time blamed Iran – but Tehran denied the accusations.

Oil prices jumped as much as 4% after the incident.

Image source Al Jazeera

President Donald Trump Re-Imposes Iran Sanctions Removed Under Nuclear Deal

President Donald Trump Pulls US Out of Iran Nuclear Deal

The Gulf of Oman lies at one end of the strategic Strait of Hormuz – a vital shipping lane through which hundreds of millions of dollars of oil pass.

The Norwegian Maritime Authority said that the Front Altair had been had been “attacked”, and that there were three blasts on board.

Wu I-fang, a spokesman for Taiwan’s CPC Corp oil refiner, which chartered the Front Altair, said it was carrying 75,000 tonnes of naphtha and was “suspected of being hit by a torpedo”, although this has not been confirmed.

Other unverified reports suggested a mine attack.

The ship’s owner, Frontline, said the vessel was on fire – but denied reports in Iranian media that it had sunk.

The operator of the Kokuka Courageous, BSM Ship Management, said its crew abandoned ship and were rescued by a passing vessel.

The tanker was carrying methanol and was not in danger of sinking, a spokesman said.

It is currently located about 80 miles from Fujairah in the UAE and 16 miles from Iran. The cargo remains intact.

Ivan Golunov Case: President Putin Fires Two High-Ranking Moscow Police Officials

Russian President Vladimir Putin has fired two high-ranking Moscow police officials, days after anti-corruption journalist Ivan Golunov was freed amid an outcry over a fabricated drugs case.

Interior Minister Vladimir Kolokoltsev had called for the dismissal of western Moscow police chief Maj. Gen. Andrei Puchkov and drug control chief Maj. Gen. Yury Devyatkin.

Ivan Golunov, 36, was released after lawyers said drugs had been planted on him.

It also emerged that police photos of a drugs lab were not taken in his flat.

The journalist, who had been working for the Latvia-based independent news website Meduza, alleged he had been beaten while in custody.

Ivan Golunov was later released under house arrest before being freed on June 11, a day after three respected newspapers published the same front-page headline: “I/We are Golunov.”

Kazbek Gekkiyev, Russian TV journalist, shot dead in North Caucasus

Hundreds of people were arrested during a pro-Golunov rally in central Moscow on June 12, many of them bearing the same slogan as the newspapers.

The interior minister announced the suspension of officers involved in the case on June 11, saying that the reporter’s guilt “had not been proven”.

President Vladimir Putin has avoided commenting on the case, although his spokesman said earlier in the week that the Kremlin had been keeping a close eye on it.

He will appear before the Russian public in the annual “Direct Line” phone-in on June 20, when Russians are given the chance to speak to the president.

Russian commentators have suggested the Kremlin is keen for the story to disappear before the event.

Ivan Golunov was stopped last week while on his way to meet another journalist in Moscow. Police officers said they found the drug mephedrone in his bag, and more drugs and weighing scales in a search of his home.

The journalist’s lawyers and press freedom activists said the drugs had been planted in order to silence the investigative journalist.

Ivan Golunov’s supporters immediately claimed that he was innocent and a victim of false drugs charges used against opposition figures and human rights activists by the Russian state.

Donald Trump In “Prince of Whales” Twitter Gaffe

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President Donald Trump has caused a splash on Twitter after saying he had met the “Prince of Whales”.

He made the mistake, intending to refer to Prince of Wales, Prince Charles, in response to articles following an ABC news interview.

The president said he would listen if a foreign government gave damaging information about a political rival without necessarily reporting it to the FBI.

Image source Twitter

In the tweet, Donald Trump accused media reporting the statement of “fake news”.

Referring to his recent UK state visit, President Trump initially tweeted: “I meet and talk to ‘foreign governments’ every day.

“I just met with the Queen of England (U.K.), the Prince of Whales, the P.M. of the United Kingdom, the P.M. of Ireland, the President of France and the President of Poland.

“We talked about “Everything!” Should I immediately call the FBI about these calls and meetings? How ridiculous! I would never be trusted again.

“With that being said, my full answer is rarely played by the Fake News Media. They purposely leave out the part that matters.”

President Trump subsequently deleted his tweet and corrected his error.

How Does Asset Inventory and Management Affect Company Bottom Line?

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The way you deal with the sourcing and management of inventory within your company can have a direct impact on your profitability. When you aren’t doing this correctly – it can stop your business operating as it should and in effect lose you money. We discuss further in this article.

Look at Inventory Cost

The cost of purchasing and producing inventory plays a large part in what your gross profit will be. Gross profit is the net sales minus your cost of goods. When there are less costs involved when it comes to purchasing inventory – this means the cost of goods sold will decrease. When there is a bigger gross profit, this can in turn translate to higher profit in general. Regularly check in and negotiate with suppliers to see if there are any savings that can be made anywhere.

Inventory Method

There are lots of different methods that can be used for inventory accounting. The most commonly used are First In, First Out, and Last In, First Out. If there are lots of different pricing fluctuations when it comes to inventory costs – this can then directly affect the costs of goods sold.

Level of Inventory

If you overstock – then you are creating storage expense, and potentially labour costs that aren’t necessary. You are also taking up valuable space. On the other hand – if you don’t have enough inventory, then you could suffer from a decrease in revenue and profitability. That’s why it’s important to make sure you get the balance right when it comes to your stock levels. Make sure if you have limited cash flow – that you don’t tie up your money in inventory that isn’t required at that stage.

Inventory Turnover

The turnover of inventory will have a significant effect on how profitable your company is. If you continue to stock items that are no longer selling, will slow down your revenue stream. If you have an accurate idea of which items are the most popular and selling the most – then this will ensure that you continue to get a high number of sales. You need to take the demand levels into careful consideration before you purchase any more stock.

How to Manage Effectively

There are great software’s out there that will help you to manage this effectively. For example, SysAid’s IT inventory management software will allow you to track what stock you have, give you a good idea of how fast products are going. This will allow you to take appropriate action so you can have the correct stock levels and increase your profit overall. It will also allow you to allocate the correct resource levels – so you can manage their time more effectively.

The key takeaway from this article is to understand that asset inventory and management can have a direct effect on the profitability of your business, and to take necessary measures to ensure this is regularly monitored and there are processes in place.