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When Is a Bill Collector Crossing a Line?

Sam Allcock
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When Is a Bill Collector Crossing a Line?

Times are stressful right now. Unemployment is still high and many families are living paycheck to paycheck. The last thing you want to deal with is a debt collector. However, if a debt you owe has been sold to a debt collection agency, you might find yourself having to unplug your phone to keep it from ringing off the hook. Debt collectors are known to be persistent but some cross the line into harassment.

Even though it is against the law for bill collectors to use certain tactics to collect a debt, some do it anyway. Everyone should know what a debt collector can and cannot legally do.

A bill collector is crossing the line when they commit any of the following actions:

  • Threaten to take your home. A debt collector cannot take your home unless that home was used to secure a debt like a mortgage or home equity loan.
  • Threaten to have you arrested. No debt collector can threaten to have you arrested for any debt you owe. A debt is a civil matter, not a criminal matter.
  • Threaten to garnish your wages to collect the debt. The only way a debt collector can garnish your wages is if it is taken to court and they won a judgment to garnish the wages.
  • Ignore a cease communication letter. Once you send the debt collector a cease communication letter, they have to stop contacting you.
  • Physical threats of any kind. Any kind of threat implying that you will be harmed unless you pay the debt is against federal law.

The Fair Trade Commission (FTC) receives thousands of complaints each year from consumers about debt collectors that cross the line using the above illegal tactics.

Federal Law

The federal law that protects us against illegal tactics used by some debt collectors is the Fair Debt Collection Practices Act (FDCPA). This law basically prohibits debt collectors from using unfair, deceptive, and abusive tactics to collect a debt. The types of debts covered by the FDCPA include:

  • Credit cards
  • Medical debts
  • Mortgages
  • Auto loans
  • Student loans
  • Other personal or family loans

The FDCPA does not usually cover business loans.

Debt collectors cannot harass you by calling you at odd hours. They cannot call you before 8 a.m. or after 9 p.m. your local time, unless agreed to by you. They cannot contact you at work if you told them not to.

If a debt collector knows that you are being represented by an attorney, they cannot contact except through your attorney.

How To Protect Yourself

The best way to protect yourself is to know the law. Do not allow debt collectors to harass you in any way. Keep a diary of everything. What time they call, and if they used any type of harassing language. Save all messages or texts they leave on your phone.

Another illegal practice is for debt collectors to attempt to collect on zombie debts. A zombie debt is a debt that you might have owed a long time ago, and is now past the statute of limitations. For most debts, this statute of limitations is seven years. The time frame and type of debt can vary from state to state.

What You Can Do

If a debt collector harasses or threatens you, you can sue the debt collector. According to the FDCPA, victims of debt collection harassment can get compensation for statutory damages and possibly from actual damages also.

Statutory Damages

Statutory damages are paid above and beyond the actual damages. The FDCPA states that consumers can recover damages up to $1,000. A victim of illegal debt collector actions does not have to prove these violations caused any harm, just that they occurred.

Actual Damages

These damages include money you lost because of a debt collector’s abuse. These damages can be for lost wages, illegal penalties, attorney fees, and can include emotional damage that led to medical costs.

This is just a brief overlook of the illegal debt collection practices you may encounter. To learn more about your rights during debt collection, or if you think a debt collector is using illegal practices to force you to pay a debt, you should seek legal counsel.

Your lawyer can help you obtain a debt verification letter. Before you pay anything, you want to make sure you actually owe the debt. Your lawyer can handle all correspondence so there’s absolutely no reason for you to handle debt collector harassment alone.

4 Benefits of Using a PEO for Your Company

Sam Allcock
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4 Benefits of Using a PEO for Your Company

Business leaders and entrepreneurs know the value of each dollar when it comes to managing an enterprise. With the growth of your business, the demand for human resources continues to expand as well. At such a point, you may want to consider outsourcing your most significant HR duties to a PEO (professional employer organization).

A PEO refers to an entity that agrees to a co-employment contract with your business. The professional employer organization then assumes the HR functions that are employer-connected like benefits and payroll. You can rest assured that your business is being handled in a professional manner and nothing is at risk of falling through the cracks. Here are some crucial areas that a PEO can help in a business.

1. Employee Compensation

Outsourcing HR services has its various advantages, and simplifying the workers’ compensation procedure tops the list. A PEO can offer a compensation cover to your staff using its insurance initiative. A professional employer organization manages audits, certifications, paperwork, and compliance related to handling such programs.

Your business can also access a committed team of employees’ compensation professionals who are knowledgeable on your specific corporate operations. They can work together with your main human resource service personnel. These experts offer impacted workers the necessary answers in a timely fashion while mitigating risk.

2. Payroll Responsibilities

Involving a professional employer organization in your organization could lower the cost of processing payrolls and accounting expenses. PEOs can automate your payroll procedure and manage your wage garnishments, W-2s, and withholdings.

You may want to consider the terms and conditions of your preferred professional employer organization. Some charge a separate fee for each payroll service, like giving quarterly and yearly payroll reports, while others charge a straightforward fee. Be sure to fully understand the fee schedule before signing up for a professional employer organization service.

3. Compliance With Human Resource

There are many dynamic and complex aspects of employment law. It could prove costly for your enterprise if you fail to adhere to the regulations set aside for human resources. Between workplace discrimination laws and wage and labor laws, trying to keep in compliance could be complicated. Several federal and state agencies can fine you for lack of HR compliance.

Hiring a professional employer organization can save you from the constant hassle of keeping up with these laws. A professional employer organization with experienced human resource experts will assist you in preventing compliance violations.

Some policies, such as sick leave directives, may vary from state to state. If you have employees working in various states, you may need a PEO to help you keep track of the applicable laws in your case. Also, there is an emergence of new HR-related rules such as:

  • Ban the box regulations which demands that employers refrain from asking applicants about their criminal history during the first job application
  • Wage equity regulations prohibit employers from requesting salary records during job applications

Given the extensive laws you need to be aware of as an employer, it is best to seek the services of a professional employer organization. PEOs top up the services of in-house human resource personnel. They guide you on how to adjust to recent law changes and keep you updated on any new regulatory changes.

4. Staff Recruitment

Finding the perfect candidate to join your team can be an exhausting process during normal economic times. During a pandemic with record high unemployment rates, hiring a candidate can be a total nightmare. Many businesses have experienced sizable layoffs while others have closed their doors forever. That left the job market flooded with qualified candidates. But that just means more applications to sift through to find the right candidate to meet your needs.

Business managers lack the bandwidth and time to concentrate on the crucial aspects of staff recruitments. A PEO can provide you with services like recruitment aid and offer you access to seasoned recruiters. A reputable recruiter is good at reading applicants for certain jobs. They can evaluate the attitude, emotional intelligence, and compatibility of the applicant to the job position. Their input saves you time and resources while ensuring that you get the most suitable candidate for your business.

Seeking assistance through a professional employer organization can assist entrepreneurs in dealing with overwhelming human resource duties. Business leaders are left with additional time to concentrate on aspects of their enterprise that can enhance the expansion of operations. You can rely on a reputable PEO to provide professional help every step of the way.

4 Places to Get Liposuction Overseas

Sam Allcock
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4 Places to Get Liposuction Overseas

Having a good body today seems not a difficulty anymore. Thanks to the development of plastic surgery, any change of appearance you dream of is possible to become a reality. One of the most popular procedures in the world is liposuction. As ISAPS reports, over 1,700,000 operations were carried out in 2019. Just imagine for a second, this is like the all citizens of Philadelphia did the surgery!  

Liposuction is a unique procedure allowing people to get rid of excess fat fast, without expending much effort on physical exercises and diets. Liposuction can be performed as a separate procedure or be a part of other surgeries like breast augmentation or breast lift.

However, patients often postpone their makeover due to the high prices of lipo, a lack of experienced doctors or the absence of specialized clinics in their places of residence. If any of these issues bother you, we have listed 4 best places for liposuction, where you can find affordable prices and board-certified doctors for sure. 

Turkey

Turkey is among the leading providers of plastic surgery in the world. More than 750,000 men and women go here to improve their appearance, and liposuction is among the most frequently performed procedures. Patients from the UK and the UAE prefer this destination the most.

The Turkish clinics for liposuction offer:

– affordable prices: 3-4 times lower than in the USA.

– All-inclusive service: accommodation, transfer, and language assistance are already included in the lipo price.

– Board-certified plastic surgeons: local doctors have decades of practice and international experience under their belt.

Turkish medical centers take care of their reputation and provide the best conditions for patients.

Mexico

Mexico is one more best place for patients to have liposuction. The country takes 3rd place in the world regarding the number of performed plastic interventions — 1,200,000 operations annually. 

The Mexican lipo medical centers are mostly popular with American patients, as prices for liposuction here are several times lower than in the neighboring United States. For instance, the cost of lipo in Mexico is about $3,000, while in the USA it is about $6,000. Even with the travel charges, Americans save money choosing Mexican clinics for liposuction.

South Korea

South Korea is ranked as the best place to do liposuction for Japanese. The country is frequently named as a global capital of plastic surgery. Esthetic operations for Korean men and women are so common that they can present lipo or facelift as a gift for a birthday.

Due to such prevalence of plastic surgery, local doctors have vast experience in this field. The success rate of cosmetic surgeries in South Korean clinics is one of the highest in the world. However, the prices for liposuction here remain at medium level. So, the Korean clinics for lipo are not a suitable option for patients looking for a cheap operation.

Poland

Poland is one more best place to do liposuction for Europeans who want to save money. This country is a great option for those who want to save money but to do plastic surgery in Europe. 

The cost of fat removal surgery in Poland starts from $1,350, and the price may vary depending on the complexity of liposuction. One more advantage of Poland is its location and well-developed Infrastructure: you can reach the country from any corner of Europe within 1-3 hours. The flight tickets are also cheap — just $15-25.

You can compare prices in the Polish clinics for liposuction and choose the best option for you.

How to Arrange Liposuction Abroad?

People often refuse to go abroad even if they know all the benefits. This happens because of fears, a lack of information and medical tourism experience.

The solution is to request medical tourism providers. Bookimed.com is one of the biggest facilitators in the world. It cooperates with 140+ plastic surgery centers across the world.

All you need is to submit a request on the Bookimed website. Then, a coordinator will contact you to know all details about your preferences. You will receive all info about the country and a clinic where you can do liposuction according to your medical case and financial capacity. Bookimed has already assisted over 450,000 patients.

Summary

Liposuction is an effective option to improve your body contouring in the shortest term. Today, you have an endless set of opportunities to have surgery done at a reasonable price in any place in the world. You just need to pick a place for liposuction (look for some info on patient communities) and schedule the date of your arrival or turn for help to medical tourism providers.

What areas of business have changed in 2021?

Sam Allcock
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What areas of business have changed in 2021?

After there was a coronavirus epidemic around the world in 2020, what type of business to start will have to be discussed, taking into account the new realities. And if before it was possible to take into account only the latest technologies and ideas that were in demand in other parts of the world, now we need to take into account the new directions that suddenly turned out to be very noticeable. This can be observed, for example, in the Vulcan casino and many others.

Strategies for selecting a business idea in 2020 – 2021

The main principle of starting a business will not soon be different. You need an idea behind your business. However, what to do if you want not just to create for yourself not just a profitable and relevant idea, but to see what will happen in the future. How do you find out which ideas might work and which ones might be forgotten among potential clients like a fleeting zip? And we will give you the answers.

  1. First, the basic principles have not changed. People will also love food, need clothes and shoes, and wait for the opportunity to go to some entertainment place. For this reason, you only need to think about your own in these areas. Catering, clothing retail, as well as various types of entertainment.
  2. Secondly, the principle of selection will not change, which says that you need to do what you like. Do you like organizing parties for people? Or run a cafe? Think about it. This is essential. It is impossible to expect a normal income from a business where you do not want to work.
  3. Thirdly, comparing with previous years, new trends have to be taken into account now. They are actually outdated. It is just that until 2020 we found ourselves in a peaceful state and not so visible. And thanks to self-isolation, they got a boost. Now the business must be in order to successfully develop and take into account the digital version. That is, being online was indispensable. As well as the possibility of supplies for many areas.

However, you shouldn’t forget about new technologies and ideas either. For this reason, we provide you with the opportunity to plunge into the world of the latest technologies and bright people who have slowly been able to conquer the whole world.

Wall Printer

Remember that not so long ago a 3D printer was something completely new and at a price limit available only to corporations? Look what is happening today. Thanks to 3D printing technologies, they create everything – food, cars and much more, and quite simple types of vehicles are affordable for ordinary people. The potential in this area is huge. We are sure that we will never again be impressed by the news in the creation of 3D devices that can build their own lives. However, today we are interested in how you can use devices in an ordinary business and what may be in demand in the near future. 3D games are in great demand in non uk casinos today.

The essence of the device is simple. The device is connected to a special manipulator, which squeezes out special plastic thanks to the reinforced fibers. As a result, at the exit, we have a frame that has high strength. All that remains to be done for readiness is to fill in some of the voids with construction foam and then fill in with external trim.

This technology can open up a new field for the implementation of design solutions. Since you can practically create walls according to individual designs, choose not only the appearance of the decoration but even the appearance of the walls.

We know for sure that this is far from the last option and the technology will be developed in the future. For this reason, we will be watching the news.

Smart Film

Society has become accustomed to the smart prefix. Smartphones, smart TVs, and everything else that has long been associated with technological innovation.

So smart film is a technological solution that will soon find use in various fields. It is such material as self-adhesive digital film, the transparency of which you can adjust, and also used as a rear-projection display capable of showing video material.

You can find a huge number of uses for such “miracle material”. Starting from the fact that the smart film makes it possible to create a smart tint of car glass, when with one click you can change the intensity, ending with the fact that glasses, mirrors, windows can be used as a screen to transfer data. A smart film, trivially glued to a storefront, can display advertising video material when needed, and when not needed – just be excellent protection from dust and light.

10 Most Profitable Investment Funds

ABC Staff
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10 Most Profitable Investment Funds

The turbulent year of the pandemic has not prevented Spanish investment funds from closing the year with a positive average return of 0.7% and many of them have offered double-digit returns to their participants in 2020.

These gains are higher than 30% in the case of the ten most profitable Spanish products, which mainly include funds that invest in technology trends and the digital economy, especially the US Stock Market.

According to Vdos data , the ranking is led by the ‘ Alcalá Multigestión Oricalco ‘ fund , which has gained 157%. The fund managed by Creand Asset Management – until now Gesalcalá – of the Credit Andorrá group has been the absolute winner, by far.

It is mainly invested in equities focused on megatrends, category is flexible mixed and has the advice of Driemut SL of Diego Bernabéu Ugarte.

“We have taken advantage of different aspects as raw materials, especially in gold and silver and mining of raw materials; the rise of the electric vehicle; the ‘cloud computing’ focused on the ‘blockchain’ sector and investments in ‘e-commerce’ companies, very benefited by the global situation “, explains the director of investments in Spain of Creand AM, Luis Buceta, who leads the management team.

In second place by profitability appears the ‘ Bankinter USA Nasdaq 100 ‘, with an annual profit of 44.73%. This fund of the Bankinter manager is a passive management vehicle that follows the American index of technology companies, which has obtained a similar return in the year, and has an exposure of almost 100% to equities.

The ‘top 3’ is completed by the ‘ Sabadell Economía Digital ‘ fund , from the manager Sabadell AM – of the Amundi group – with a 40.04% return in 2020, according to Vdos.

The vehicle invests through other investment funds in various topics such as artificial intelligence and ‘big data’, digital health or global technology. In addition, it makes direct investment in companies such as Facebook, Apple, Amazon, Netflix and Google, known as ‘FAANG’, which account for 25% of the portfolio.

“The outlook for 2021 remains positive, probably with revaluations that will remain below the extraordinary result of 2020, but with a scenario of global economic recovery expected for next year, we consider that an expected return of between 15% and 20% could be perfectly achievable “, Sabadell AM’s client investment director, José Antonio Pérez, told Europa Press.

In fourth position is the ‘Dux Umbrella Trimming USA technology’, which gained 40.03% in 2020, with a strategy that has also benefited from the performance of US international equities and high exposure to the technology sector. It is a fund of the Spanish ’boutique’ Dux Inversores, of the Altegui group, chaired by Alberto Erhardt.

It is followed in profitability with 36.31% last year by the fund ‘Renta 4 Multigestión Andromeda Value Capital’, from the manager of the Renta 4 Banco group, which is advised by Andromeda Value, led by Flavio Muñoz.

The fund usually invests in sectors such as technology and the media and has also benefited from its commitment to sectors such as cybersecurity, video games or cloud companies.

Andromeda attributes the good results to the general portfolio and not to specific companies. “In 2021 the fund will not match the progress of 2020 simply because the environment is very different.

This year there is much more a correlation between the underlying economy and monetary policy,” Andromeda sources explain to Europa Press, although they trust that the “good companies at the right prices” in which the fund invests allow it to deliver a “positive” result at the end of the year.

The sixth and seventh position in the 2020 ranking by profitability among funds domiciled in the country correspond to two compartments advised by the fund ‘Gestión Boutique III’, which is managed by the Andbank group, which has managed to include three funds on this list in 2020.

It deals with the ‘PFA Global Mixed Flexible’ compartments, with 33.36% in the year, and the ‘R3 Global Balanced’, which gained 33.28% throughout 2020. The ‘PFA Global Mixed Flexible’ has its portfolio fully invested in equity mutual funds, mainly in the United States and Europe.

How to Entertain Yourself Online in 2021

Sam Allcock
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How to Entertain Yourself Online in 2021

They say that online slots, also known as slots or slot machines, are among the most random casino games out there. But that does not mean that there are no tips, tricks, and recommendations for betting money responsibly and with higher profits (or lower losses).

That is to say, and to be clear: there are no safe strategies to win at online slots. The reason is that they are programmed so that only between 3% and 8% of the slot games or bets are winners. The probability of winning something in a game with a slot machine is 18.3% of the time it is played.

But don’t be discouraged! What there are the tricks to minimize losses and play responsibly to obtain the highest profits? Next, we are going to teach you 6 slot strategies to be successful at online slots.

1. Take advantage of the slot with bonuses and free spins

To inspire their customers to keep playing, most of the best online casinos provide welcome incentives to draw new players and reward schemes. They usually send newsletters by email or publish their promotions in some section of their website.

These promotions can be, for example, that they give you a bonus without an initial deposit so that you can try their slot games in a real way but without investing money, that they double what you enter as a deposit to play, or even that they return a percentage of the losses during a certain time; so they are an excellent option to minimize losses and to obtain a greater amount to play with.

Of course, it is important to consider the characteristics, rules and restrictions of these promotions, since the most common is that you have to meet certain conditions to be able to collect later the benefits (such as betting X times the amount of the bonus received ).

2. Choose the right slot

An important variable to take into account to make money playing online slots is the machine to choose. There has been a lot of talk about false myths and legends about choosing a slot machine of dubious reliability. However, there are some recommendations to keep in mind when choosing the arcade machine that benefits you more than others:

  • Choose online slots with the highest payout percentage. We will explain this point to you in the next section.
  • Choose slot games that have good pay tables. We will explain this point below.
  • Play casino slots, not bars (if you’re playing physical slots).
  • The reason is one: the payback (payment rate) of the online slots of this type of premises is usually much lower than in physical and online casinos.
  • In casinos, the percentage of return goes from 95% to 99%, while in other types of premises it can go from 50% to 75%
  • Avoid progressive machines.

Playing a progressive machine to win the jackpot can be very tempting. And if it occurs regularly, the probability of winning in this method is the same as that of winning the lottery. In addition, most have a requirement that you bet with the maximum bet, so you have to have a huge budget to support the game.

3. Choose online slots with the highest payout percentage

As we have said previously, slot machines (or most machines in general) are designed to not extend 92-97 percent of the bets as “truly” winning bets. In a casino, pub, or game room with an electronic device, the odds of winning with each spin are poor. However, the chances will decrease if you do not pick the game very well on which system you play (it’s doesn’t matter if it is online or traditional in a casino, bar, or game room) and win.

Now the issue is this: If I go to a 188bet casino, what percentage of my total money will I get for each slot machine?

  • Online slots: you can switch to the reviews written by the casino platforms themselves. You can also find out about casino communities where people discuss their information and expertise.
  • Certain physical locations (e.g., casinos, pubs, gaming halls) have slots where you can put coins or coupons in order to play. It is also useful to look at a particular slot machine to see if it pays a lot of prizes per day or not.

4. Choose the slot games with the best Pay Tables

Many casino websites have a paytable, where they display the payouts which have been earned over the last few hours in the various sports, going along with the sums received in those games. You would also realize how much the individual who won wagered in order to be allowed to do that.

Using this knowledge to your benefit! Take a glance back at your favorite slot games and affirm which earn you the most money and offer the best value.

5. Take into account the different types of online slots

Instead of utilizing sophisticated cryptographic schemes in these, they depend on the same dice roll as most slot machines. In other terms, they are games of luck and probabilities or statistics cannot forecast their action at all because all the numbers or symbols have the same likelihood of occurring in any of the new spins.

While I would accept that the possible variations in the odds of earning rely primarily on the form of slots you play. Nonetheless, I think it is interesting to note that there are various styles of slot machines because the different types have varying features, meaning players have a better probability of winning money in their chosen play (or lower).

An example is a potential sum of pay lines (between 1 and 5) during the spin of the slot machine, the number of numbers or labels on the reels of the slot machine (between 1 and 6) or whether or not there are any bonus rounds during the free spins of the slot machine. These factors affect the way your game is, so it’s crucial to hold these in mind and not forget them.

6. If you win a progressive jackpot, change the game

If you’ve won a lot of money in a purely gambling casino game, switch over and try another one because the casino game you won will probably not return you a big pot.

It may even happen if the slot machines have no initial wagers. If you have earned the jackpot, it can be reset. You will choose to pick from the same probability of winning. Because in the case of the progressive jackpot, in the rare chance that you won this number, that it wouldn’t be anything for you is great because the odds of winning a progressive jackpot is very slim, but the outcome is fantastic.

If you win a radical jackpot, our advice will be to quit playing and go out to enjoy your good fortune.

7 Wellness Benefits of Sage

Sam Allcock
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7 Wellness Benefits of Sage

In the culinary world, sage is used to season meats and flavor soups. It is one of the essential herbs everyone should have in their kitchen, along with basil, rosemary, and thyme. Others use sage for alternative medicine and spiritual and superstitious purposes. Many also use the herb to clear their workspace of any negativity and to attract positivity and productivity.

However, the benefits of sage go beyond taste, fragrance, aesthetics, and supposedly magical properties. If you are curious about the benefits of sage for your wellbeing, here are seven of them.

Helps Fight Diseases

Sage is famous not just for the flavor profile it adds to your dishes. Did you know you can also add it in plain water to get a healthy dose of nutrients? Adding a teaspoon of ground sage into your dishes or infused water already gives you these compounds: iron, vitamin B6, vitamin K, manganese, and calcium. These compounds help decrease inflammation risks, blood sugar levels, and diseases such as Type 2 diabetes and certain cancers.

Sage is also rich in antioxidants that help flush out toxins and eliminate free radicals that may induce various illnesses. Your sage-seasoned steak or soup may also help you have better blood flow and lower risks of allergies.

Helps Purify the Air

While sage is often used as a food ingredient, many prefer to use its dried bunches and burn it as an incense. Due to its health-beneficial properties, burning dried sage in your home may help purify the air and eliminate allergens, pollutants, and infectious microorganisms such as bacteria, fungi, and viruses. People living in condominiums in Quezon City or Manila should consider burning sage to cleanse the air in the homes and reduce the risks of spreading the coronavirus with each other. Doing so may also help eliminate traces of COVID-19 and its new strains.

Aids in Meditation

Besides cleansing the air, people burn sage for meditation purposes. Many believe that the smoke also dispels negative energy and spirits that may disrupt their wellbeing. Burning sage, also known as smudging, is also said to drive away evil spirits that may haunt your home or workplace.

If you are looking for a spiritual remedy, smudging might be a great alternative. Traditional healers believe that the fragrant smoke may help you connect with your spirituality, inner being, and the universe. Meditating with sage may get you started on a stress-free and more productive work week.

Improves Oral Health

The antimicrobial properties of sage also help neutralize microorganisms in your mouth that cause bad breath. Drinking or eating sage may also help target bacteria that promote plaque formation. If you have kids, you may introduce sage into their gargle water to reduce cavities and promote healthier and stronger teeth.

A study in 2015 shows that drinking sage tea or gargling with it soothes throat infections, mouth ulcers, canker sores, inflamed gums, and burnt spots in your mouth. With sage, not only will you have fresh breath, but you will also have a healthier and cleaner mouth.

Boosts Skin Healing

The healing characteristic of sage also makes the herb an ingredient in topical creams, ointments, and skincare products. Research shows that camphor, an essential compound in sage, promotes healthy skin-cell growth and decreases wrinkle and crease formations. Two other properties in sage are carnosol and carnosic acid. These two compounds help heal sunburn damage, sores, wounds, and skin peeling.

You might want to consider getting skincare products with sage as an ingredient to gain more youthful-looking skin and heal swelling pimples. A sage-infused sunscreen may also help protect your skin from aging faster due to sun exposure.

Boosts Brain Health

Sage is widely used as an alternative medicine to promote brain health. The antioxidants in sage are also helpful in reducing the risks of dementia. One study in 2003 shows that the compounds in sage halt the breakdown of acetylcholine (ACH). This chemical messenger plays an integral role in memory. Alzheimer’s patients are found to have low levels of ACH. Taking food supplements with sage, adapting healthy diets, and engaging in regular brain activities may help counter Alzheimer’s disease among elderly people.

The same antioxidants in sage also help in improving memory and cognitive function. According to a study in 2008, twenty volunteers aged 65 and up were given four doses of sage extracts for seven days. Results show that the volunteers had a significant enhancement of their memory performance during the testing period. Perhaps drinking sage tea may help you focus and have a better memory of the tasks that you need to do for work.

Enhances Cardiovascular Health

Cardiovascular diseases (CVD) are some of the world’s most common lifestyle diseases. A research journal by Stanford University reveals that cardiovascular diseases account for 20% of deaths in the Philippines. The study also shows that 1 in 6 Filipinos and 1 in 3 Filipino-Americans is affected by CVD. 

Suppose you want to reduce your risks of getting heart-related diseases. In that case, adding sage to your diet may help you counter risks for CVD. One study shows that drinking sage tea in four weeks resulted in a 16% decrease in bad cholesterol levels among six women aged 40 to 50. The same survey also revealed that the participants had a 38% increase in their good cholesterol levels.

Another study in 2016 involving 105 Type 2 Diabetes patients on cholesterol-lowering medication found that those who took 500 mg of sage extract thrice a day had healthier triglyceride levels than those who didn’t. Triglycerides are a type of fat in your body stored in fat cells, later released by hormones for energy. While triglycerides are good, having too much in your blood can increase your risk for heart-related diseases.

As a whole, sage isn’t just a flavorful herb or a tool for spirituality and meditation. This powerful herb offers health benefits, with these seven being the most well-known. For you and your household, assess which form of sage works well for your health plans and get started with your wellness path.

Bitcoin Era Review

Sam Allcock
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Bitcoin Era Review

The application directly discusses the importance of Algo trading and gives a short examination of the bitcoin era. Before we share our Bitcoin Era Review, we have some key points of introduction in regards to automated trading. This is because we want you to keep an open mind while going through the topic and take this with a grain of salt and make your mind about it

whatAlgo trading is? You may already be well acquainted with this concept if you have done some research, but it is a short overview for those who are new to the subject. Algorithmic trading or Algo Trading for short is also called automated trading.

It is an innovative trading technique that uses a pc application that follows a described set of instructions known as rules to place a trade.

In theory, the trade can generate profits at a speed and frequency; this is not possible for a human dealer because it runs those algorithms or commands to acquire a specific output. It can purchase and promote indicators acquired via means of this system and primarily based totally on those indicators; the orders are located and executed.

So What Does All The Trading Adds To The Game

Some of the trading’s key pros are high speed, more accuracy, less human intervention, improved order entry and exit speed diversification, and more discipline and consistency.

You get from all this because another trading is an effective trading method used by many who want to up their game. It has various advantages over other traditional methods of manual trading.

This is due to the elimination of emotions usually involved with manual trading. Haste and nervousness are all human factors that could easily manifest during a moment of split-second decision making. They can make incorrect decisions affected by creed,such as fear of losing or missing out.

Of course, computers don’t feel they only execute orders predefined and given to them by the programmers, so their decisions are much more accurate and decisive.

The Bitcoin era is an excellent case example of these programs, also known as trading robots. Not long after its new services launch, it earned many users and enthusiasts’ support and approval.

That’s why in this article, we give you an insight into this trading robot, and you make your own decision whether or not it is worth an investment.

Whether it’s a scam or a legitimate business, first of all, it must clarify that in the case of bitcoin and cryptocurrencies, these are generally referred to as complex high volatility investments.

This means that their rates rise in full sharply over time, which is a major plus if you know how to analyze them to turn them to your benefit or result in you losing a lot of money if you are not well informed on the topic.

The Bitcoin era also had its due share of scepticism. This is risky business; it gives you that you have to do your own research before deciding to go on with this endeavour patience is a victory, they say, and the people certainly didn’t have what it takes to make money trading cryptocurrencies robots are here to assist us but not unless we can help them do their job effectively ourselves.

They Can Start In The Market In A Matter Of Minutes While It Could Take Us Several Days.

How To Get Started With Bitcoin Era

·         Signing Up

The first step is signing up and getting started; registering is easy. You have to enter basic information such as name, email, and password. Please choose a password that is both strong and different and write it down somewhere safe, so you don’t forget it. Once registered, you can move on to the next step.

·        Trading

The first thing you will have to do, of course,loads your account with funds. A minimum amount of 250 dollars is recommended to start with to take full advantage of the bot. Click on deposit, and you’ll be redirected to a regulator broker where you can deposit using Visa,MasterCard, etc.

Once your account is loaded, you can start auto trading. There are many cryptocurrencies you can choose. You have the total freedom to choose how many trades you want.

Conclusion

Just remember to trade with caution and not to be hasty. Take your time to get familiar with the platform if you’re still unsure and afraid to put your money yet use a bitcoin era review.

How To Stay On Top Of Your Game As A Single Working Mum

Sam Allcock
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0
How To Stay On Top Of Your Game As A Single Working Mum

Mothers, probably more than any other people in the world, are the ones who seem to demand almost unfairly of themselves, the ones who reach for superhuman heights in the many roles they play as the hours swiftly whoosh by and one day simply melts into another. Only to begin it all over again.

So how do you, especially a single working mum, stay on top of your game? We’re here to help.

Get some rest

This may be an obvious answer, and not one that you may want to hear at all (because rest is almost impossible, right?), but unless you really are some kind of otherworldly superhuman, you absolutely need to rest to function at your best.

And by rest, we mean sleep. A good night’s rest allows both your body and your mind to recharge. When you’re well rested you’re the one who can think on her feet with brilliant clarity, the one who can seemingly snatch ideas out of thin air, and who can be the calm of the storm with all the energy in the world.

So instead of staying up late with a glass of wine and a movie for some much needed ‘me time’, book yourself straight into bed and under the duvet for the much more healing and nurturing gift of sleep.

And if that feels like a far-off dream, do whatever it takes to get your sleep wherever you can. Outsource your laundry if you have to and get in a power nap instead. You’ll quickly find that the benefits of even just a snatch of rest can be amazing.

Find a virtual assistant

There’s nothing that can change your life quite so much as a virtual assistant. For this we love AVirtual. An award-winning virtual assistant service, they can connect you with an assistant who matches the way you work … not just in your business role, but in your home environment too. 

As a mother you may be hesitant to delegate at first, but as soon as you discover the wonders of time freed by another equally competent individual, you’ll never look back. 

From calendar management to social media management and even managing household bills and all those heaps of admin activities that devour your precious time, you’ll be surprised at how those tasks can so easily be delegated. More than that, a virtual assistant worth their salt will have a whole new set of skills for you to tap into, making you the one who shines at the end of the day.

Perhaps, in the 21st century, behind every successful woman there is a virtual assistant.

Virtual Assistant

Be present

This one may take a little practice. By now you’re quite adept at wearing all the different hats that a single working mom finds she has to wear, but all those hats inevitably create a breeding ground for an unproductively busy mind. 

You might be playing with your children while you’re silently brainstorming the next session with your clients, or find yourself stressing about what to cook for your young and fussy eaters while you’re missing the answer to the question you just asked your boss. It’s a habit that doesn’t serve you or anyone else in your life.

There is an amazing power in utterly dedicating yourself to the moment. When there is only you and the person in front of you, the ‘million other things’ you have to do melt away, and you give yourself the space to bring every wonderful part of your best self into that moment.

So when you’re with your children, really be with your children. When you’re attending a conference, listen with every fibre of your being. Be completely there. You’ll notice the benefits immediately! And the more your practice, the more natural it will become. Zen Habits is a wonderful place to start your journey into being more present.

The Amazing Power of Being Present

Forgive yourself for not being perfect

We’ll start where we began: you’re not really a superhero. And that’s okay. You’re a single working mother doing her best, and whether or not you may judge this day or that day as a failure or a success, be kind and gentle towards yourself and forgive yourself for not being perfect.

When you’re not actively forgiving yourself for not hitting your (probably unrealistically high) self-imposed daily targets, you’re filling your personal space with emotions that only serve to muddy the waters and ultimately hold you back from shining as your truest self.

Bestselling author (and mother) Brené Brown says perfectionism is in fact a 20-ton shield and she breaks it down for us in this blissfully short snippet from Oprah’s Lifeclass.

So instead, give yourself a little hug for striving for excellence today, no matter how the day turned out, and reward yourself with a well-deserved early night to bed!

How Open Banking is helping to make better lending decisions

Sam Allcock
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0
How Open Banking is helping to make better lending decisions

Oakbrook Finance, parent company of Likely Loans, has become the first UK lender to offer a fully automated Open Banking lending decision via a third-party aggregator. Teaming up with a leading data analytics provider, Oakbrook Finance is using open banking data to improve lending decisions through a better understanding of a customer’s financial circumstances.

What’s Open Banking?

Open Banking is a secure way for authorised providers like Likely Loans to access your bank transaction data including spending habits, regular payments and income, all with your permission. This cutting-edge technology is designed to encourage and allow competition and innovation to financial services leading to more accurate lending decisions. Many budgeting apps and spending trackers already use Open Banking. 

What Are the Benefits?

When applying for a Likely Loan, applicants can consent to share their up-to-date bank transaction data using Open Banking. In addition to regular credit bureau data, Likely Loans use this data to create a richer, more detailed profile of consumers and their application.

There are many reasons why someone might not have a perfect credit history, this could include those on zero-hour contracts, and the young, straight out of education. Sometimes these applicants may find it more difficult to get accepted for credit if the lender is looking at historical credit bureau data in isolation. Open Banking means that lenders can access a more accurate view of your personal circumstances.

What Is Oakbrook Finance Doing?

Open Banking means Oakbrook Finance can offer personalised loans that wouldn’t have been possible previously.Oakbrook CEO Luke Enock explains: “Our vision is to change lending for the better, and a key component of that is going to come through the accelerated adoption of Open Banking solutions across different channels.

You can read more about Likely Loans and Open Banking here. 

Conclusion

Open Banking may just be the future of the financial industry, and the world can expect more and more innovative products to use this technology going forward.

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