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Plumbing Nightmares To Watch Out For In 2021

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On the great list of problems we would all like to avoid, plumbing issues have a special place near the very top. Whether it’s a blockage, an overflow, or a leak, there are very few moments that make your heart sink like the realisation that something in your plumbing has gone very badly wrong. It’s not just the flash of frustration that something has broken at the very moment when you need it to be working perfectly, it’s a security issue, a potential major expense and, more importantly, a possible hygiene nightmare. As we get ready to face the year’s worst weather, it’s important to take a step back and prepare for the worst in some of the most notorious problem areas in any home or business.

A Blocked Toilet

Let’s start with the one we’d all like to avoid if at all possible: the clogged toilet. There’s nothing worse than seeing the level in the bowl going up when it should be going down, and there are several reasons why this could be happening. The first question should be: has anything been flushed that shouldn’t have been? This really should be common sense, but you would be amazed at the number of people who thoughtlessly put any old rubbish in the bowl and hit the flush. One of the biggest culprits is wet wipes but there’s also condoms, nappies, tampons, cotton buds, paint, food, even pets. And while a little bit of food waste probably wouldn’t do any harm, anything that’s got a core, a stone, or bones in it should not go down the loo.

However, it’s not always down to what’s going down. Excessively hard water is a real issue, especially in the southern part of the UK. All that calcium and mineral residue can build up over time in your pipes if left unchecked, creating a smaller and smaller space for waste to pass through. Old pipes can also contribute to the problem. If they’re starting to crack and crumble under the weight of the years, nothing is going to pass through like it should and you could be facing some real problems. Similarly, if your region has been facing a lot of stormy weather, there could be a blockage or a pipe issue further down the line that is affecting your plumbing works.

In the event of a serious blockage, it is always more sensible to call in a professional who knows what they’re doing. Pouring strong chemicals down and hoping for the best is a quick fix at best, and at worst could do more damage to your pipe works.

Leaking Pipes And Taps

It’s the sound that keeps you up at night as you lie in bed and hear the “drip…drip…drip…” of a leaky faucet. While this problem may not be as severe as some of the other items on this list, it should not go ignored. Apart from the loss of sleep and the slow push towards a full-blown temper tantrum that a leaky tap can cause, that wasted water adds up. Over the course of a single year, a leaking faucet could be responsible for gallons of water waste, and nobody wants to be looking for ways to add to their utility bills. When it comes to taps and faucets, a drip or leak is usually caused by wear and tear to the rubber or silicone washer that forms the seal that keeps water from flowing when you turn it off. It’s a very common issue, as these washers will naturally get a bit stiff or dislodged through use, or even damaged. The longer the problem goes unchecked, the worse it will get, so don’t delay. While this can be a problem you might be able to fix yourself with the right tools, it might be a more complicated fix depending on the state of the washer and may need a professional’s help.

Another reason why it’s worth calling a plumber is that this may be a symptom of a deeper issue. If there has been damage to your pipes further down the line, due to bad weather or corrosion, then your water pressure will begin to fluctuate which can cause a leaking faucet. This is admittedly less likely, but it’s certainly not a problem that you can fix yourself.

A Slow Draining Or Blocked Sink

Have you noticed that the washing-up water isn’t going down the plug hole like it used to? Is there a pool of water sitting at the bottom of your sink a good few minutes after you’ve finished running the tap? Well, you’re looking at a problem further down. The most common cause for a blocked sink is, well, what you’ve been putting down it. Most of the time you’re looking at a build-up of grease and fat that hasn’t washed away properly that has now bound itself to the sides of your pipes. Think of it like mortar, a tough substance that won’t let go without a fight. Once that’s in there, anything else that gets washed down after it is liable to get stuck in that gooey matter and further restrict the path of the water that’s trying to get through. Other culprits include hair and other bits of food waste that get put down the sink instead of thrown into the bin. A good way to ensure that this problem doesn’t come up is to make sure that you dispose of excess cooking oils and fats elsewhere. Tipping what’s left in the frying pan after making a bacon sandwich down the sink is just asking for trouble.

Chemicals may help but excessive use can corrode the pipes instead of the greasy mess you’re trying to wash down, so caution is advised and overuse is definitely not recommended. The same goes for drain rods, as the kind you can pick up off the shelf are typically not as high quality as the professional-grade items and can do more harm than good. If the problem persists, it’s important to contact a drain company who will get in there and find the root cause of the problem. Drain Detectives can offer you a free quote and over the phone consultation, and they offer a one month guarantee for any job they do.

Septic Tank Issues

If you home or business uses a septic tank, then “something going wrong with the septic tank” is always going to be a recurring nightmare that you hope never comes true. Septic tanks and cesspits need to be emptied regularly and properly maintained, or you are going to run into trouble very quickly. There can be overflow following severe storms and heavy rain, there can be blockages, caused by something in the pipes or tree roots branching into your plumbing, and there can be an issue with the soakaway.

Anyone who has used a septic tank or cesspit knows to look out for the kinds of overgrowth and damp spots, not to mention the bad smells, that indicate that the soakaway has become clogged. If you fail to act on this problem quickly enough, you’re going to find that the material in your septic tank is going to find another direction to go in, and you don’t want it coming out of another part of your plumbing. Speed is of the essence, so make sure you call a professional as soon as possible.

Instagram Tips and Tricks

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Instagram is the most well- known social media platform. It is gaining fame among the people day by day.  As 112.5 million users are using this app. It is a vast platform with large number of users. Most of the users are using it as a business account and are fond for different strategies to grow their account. They know very well that if they have large number of audience. Large number of people will know them and their products will get fame. There are different ways to increase your followers and likes. There are number of strategies are present to increase your followers and likes but the beat and easy way is to use Instagram followers mod apk.  It is best and easy way to increase your followers and likes.

Followers Gallery

Followers Gallery is the best tool of getting free Instagram followers and free Instagram likes. It is getting popular day by day. It is 100% free to use. You just only need to download it and start using it. You don’t need to wait for your followers and likes. It will send to your account instantly within 24 hours. Download it now because your dream followers are waiting for you.

Characteristics of Followers Gallery

There are numerous characteristics of Followers Gallery but all are user friendly and simple to operate.

Instant Delivery

Followers Galley delivers your followers and likes very rapidly to your account. You can see your count increase within few minutes. The process of delivering of Instagram followers and likes will also display on your task list. You can check it anytime.

No bot Follower

Followers Gallery is designed by our expert team and they know the terms and conditions of Instagram. They know very well that any of fake or bot user can harm your account and will decrease the credibility of your account. They take care that none of bot or fake user will enter to this community or harm the users of Followers Gallery.

Free and Safe

Followers Gallery is 100% free and safe to use. Our customer’s safety and priority is very important for us and we always take care of this. No password or human verification is needed. You can get followers and likes by following few and easy steps. You all information is safe and will observed by our professionals, so you will not face the issue of information leakage.

100% Free

Followers Gallery is all the time free for its users. You only need some coins to buy your followers and likes. You will get some of the coins after logging in. You don’t need to enter your Instagram Password. You have to earn coins by doing simple tasks like following others account or liking the posts. With these activities you will get more coins. You can use these coins to get your free followers and likes for your Instagram account.

How to Get Instagram Followers and Likes with Followers Gallery?

It is not difficult to get Instagram followers and likes with Followers Gallery. Few simple steps you need to know. These are

  1. Download Followers Gallery
  2. Create your account.
  3. Get some coins.
  4. Use these coins for getting free Instagram likes and followers.

How to secure your browsing with a free VPN for chrome?

A VPN is software that can help protect your privacy by establishing a secure communication channel between your device and a remote server provided by the VPN. With this server, all your internet traffic is routed and encrypted before reaching its destination. As your traffic is passed through the proxy server, the browsing website can only monitor the proxy server’s IP address.

Several VPN providers offer both a desktop VPN and a browser VPN. A desktop VPN is installed on your device that provides overall protection. In comparison, you can install a free VPN for Chrome as a browser VPN directly on your web browser. A browser VPN is easy to install and can secure all your internet traffic generating from your web browser.

In this digital scenario with several cyber threats, it is essential to protect your privacy by using a VPN. If your internet connection is not secure, anyone can access your private information and misuse it to commit theft and fraud. A VPN helps in masking your real IP address and encrypting all your internet traffic, ensuring your digital privacy is secured.

If you connect to a public network such as Wi-Fi at a coffee shop or an airport, you expose yourself to cyber threats. This network is extremely unsafe as anyone can connect to it and hack into your device through it. Using a VPN, you can create a secure encrypted channel that will block any malware or suspicious activity.

Even if you are on a private network, there is still a risk of data logging. This is because your ISP can also store all your internet activities. When you connect to a VPN, it routes your traffic through a different server, which changes your ISP. Due to this, your Internet Service Provider will not be able to track your activities.

Uses of a Browser VPN

A browser VPN can help you in several ways by protecting your privacy and securing your internet connection. Let’s look at some of the uses of a Browser VPN, making it so important in present-day scenarios.

Secure Data Transfer

If you are browsing on an unprotected internet connection, you are exposing yourself to data theft. Anyone can connect to your connection and access your private data. A VPN can help by encrypting and routing your internet traffic from a secure server. Only the person with access to the decryption key can decrypt data to use it. A free VPN for Chrome will help you gain anonymity and privacy while browsing the internet.

Use Public Networks

If you are working on the go, using a VPN will provide a security layer over your internet connection. Public network internet connections are unsafe and easily hackable. Hackers are usually monitoring the traffic over a public network and can easily access your private data. Using a browser VPN will ensure that your traffic is routed through a secure server so that no one else can view it.

Access Geo-restricted Content

Some websites filter their content based on the geographical location of the IP address. For example, some streaming websites only show specific content to a geographical region because of various reasons. These restrictions limit your reach, but you can bypass them using a VPN. When you connect to a VPN, you can connect to a proxy server anywhere in the world. By connecting to a server-based in a different region, you can easily view the restricted content.

Evolution of VPN

Earlier VPN only corporations and institutes used VPN to create a secure server for their employees. It was a quick and secure online solution where people could share and access all the company information from the cloud. However, it has evolved to become a necessary tool to protect your digital privacy. Now every individual can install a private VPN for themselves to protect their privacy.

Several VPN providers offer both desktop VPN and browser VPN for free. You can easily install a free VPN for Chrome through the VPNs provider website.

Earlier, only desktop VPNs were used to provide overall privacy for any internet activity on the device. However, since browser VPN came, they have become more popular because of their ease of use. You can simply add the VPN extension in your browser and create a secure connection. This VPN saves you the time and effort to download and install a desktop VPN.

How to add Urban VPN for Chrome

Adding a browser VPN to Chrome is very easy, and you can do it by following these simple steps.

Step 1

Go to the Urban VPN’s official website and hover over the products tab in the website’s tab bar. You will see a drop-down box menu where you have to click on the free browser extension menu.

Step 2

On this webpage, you will see three options to download the VPN extension for different browsers. You can install this extension on Chrome, Mozilla, and Edge browser. Click on the extension for Chrome button to download the extension for chrome browser.

Step 3

The website will redirect you to the Chrome Web Store, where you will see the option to add Urban VPN to your browser. Press on the Add to Chrome option to add it to your browser.

Step 4

A dialogue box will appear on your device’s screen, asking permission to add the extension on your browser. Click on the Add extension button to give permission.

Step 5

Now the extension is installed in your web browser, and you can start using the VPN to browse the internet securely.

Conclusion

A browser VPN is a great way to secure your online activities from everyone. No website will be able to store your device information and IP address in their logs, and even your ISP will not be able to track your activities. You can surf the internet with complete anonymity and access the geo-restricted content easily.

In this digital era, it is crucial to protect your digital privacy because everything is done online. If you are browsing on an unsafe network, it is always suggested that you avoid making any online bank transaction if you are not on a VPN.

Slip and Fall Accidents: Safety Tips and Injury Prevention

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Slip and fall accidents are no laughing matter, considering they account for over 95% of hip fractures, especially in older adults. A slip, fall, or trip accident can lead to a fatal injury. In 2018 alone, falls were the second worldwide leading cause of unintentional injury deaths. Additionally, the WHO estimates that each year has more than 646,000 deaths from falls globally.

But despite the clear risk, we often overlook slips, trips, or falls. This comes down to the need to educate, train, and create safer environments through prevention strategies. However, establishing these effective measures against slip and fall accidents requires understanding what each risk means.

Slips

A slip will often happen when there is little traction or friction between the surface and your feet. A slip will happen due to wet surfaces, loose mats, oily floors, or waxed flooring. Some flooring types, such as tiles, are also common causes due to their lack of traction.

Fall

A fall is defined as an accident where circumstances see the person land unintentionally from the point of elevation. These accidents happen due to having slippery floors, clutter on surfaces, unprotected edges, or floor holes. A bulk of fall accidents also result from stairs, unsafe ladders, snow, and ice surfaces.

Slips, Trips, and Falls Control Measures

Most slips, trips, and falls are down to unintended or unexpected changes in the walking surfaces around the household or workplace. Here are six guidelines to follow to help keep you and others safe at home or in the workplace.

Work on Your Housekeeping

Since dirt, debris, clutter, and spills are responsible for most slips and trips, the first thing you should do is take some time to clean up any hazards in your home. Each day you may want to:

  • Clean spills immediately
  • Vacuum and sweep floors for debris
  • Secure carpets and mats
  • Align and cover all wiring cables in walkways

Get Proper Lighting

With all areas lit well, chances are anyone will spot a floor hazard before they encounter it. Consider replacing burnt-out bulbs or ones that are not working to reduce the risk of slip and fall accidents.

Wear Proper Shoes

Since shoes are always in contact with the surfaces, they make the difference in preventing a slip and fall accident. For example, slippery soles or strappy high heels will increase the risk of an accident. This means appropriate footwear is necessary for the right environment. To be safe, ensure that your footwear is the correct type for the floor or surface you intend to walk on.

Reduce Your Texting

Just as you should not text and drive, texting and walking are also dangerous. Most of us are now so involved in what we’re watching on the screens of our devices, and this can result in slip and fall accidents. You should always pay attention while walking and try not to text while walking.

Have Frequent Repairs

To reduce your chances of slip and fall accidents, you will also need you to pay attention to repairs. This is especially if the environment is a busy home or establishment full of activities. Rather than be liable for any accident, be sure to always check for cracks, loose railing, or any other potential hazards.

Effective prevention will help reduce the number of slip and fall accident victims and the severity of the injuries. Visit this website to learn more about preventive measures concerning slip and fall accidents. It’s worth the time and effort to learn everything you can about this subject, especially if you’re a property owner.

Salesforce Developers: Where & Why They Are The Most Efficient

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Businesses grow, and their needs grow respectively. Salesforce developers create useful customized software solutions tailored to the specific business processes and can easily track one of the most important metrics for the business: customer satisfaction.

Salesforce is the CRM platform combining tools for sales, commerce, marketing, service, and IT management. It has a pool of connected applications for full control over the business. A Salesforce developer can create an app for data analysis, process automation, improved customer support, and collaboration. It allows the business to boost strategies and overcomes delivering an enhanced user experience.

How Salesforce Developers Enhance Business

According to the Salesforce survey, 84% of customers call experience a company provides as important as the products or services. Getting an extraordinary experience with one company, people are more likely to expect more from others. More than half of the questioned people would pay more for a greater experience. And Salesforce helps businesses to give it to the clients.

In an over-competitive business environment, Salesforce helps organizations to put the customers at the center of the business and show stronger business growth through more effective marketing campaigns, accurate management of the customer data, efficient internal and external communications. Companies look for a programmer with strong developer skills to get a perfect application, which will meet all business needs and help to get feedback between companies and clients.

Feedback Management — a Powerful Tool for Business

It is important to track the changing needs and expectations of the customers and check: are they satisfied with the goods or services offered, are they satisfied with the standards and policies of the company, are they share values and views of the brand? Answering these questions, brands easily find a way to improve customer service. And the only way to find the answers is by collecting feedback.

One of the ways to collect information from the clients is Salesforce Feedback Management — a suite of tools, collecting real-time actionable feedback. Salesforce developers adjust applications and make them more actionable for the business, so managers can ask more personalized questions and get more accurate customer surveys and statistics. Using them a company can create product lifecycle maps and journey analytics and get a better understanding of what is important for the customers. Feedback collected immediately after the interaction with a brand helps to find trouble spots and improve in-company operations.

Salesforce development has 5 advantages, making it a convenient tool for successful communication between the business and the customer:

  1. User-friendly applications. A salesforce developer can create an effective solution thanks to the multi-tenant platform with strong integration features and cloud-based architecture.
  2. Precise forecasts. Getting real-time data, business owners make more precise forecasts and informed decisions.
  3. A better understanding of competitors. Information from customers helps to analyze the niche and be the first company offering needed solutions to the clients.
  4. Saving on development. The Salesforce offers low-code and no-code options. The programmer can create a needed business application or program with templates and built-in tools. It saved time and money needed for the project.
  5. Empowered marketing. The collected data and offered tools help to create useful reports, dashboards, and other implements improving customer relationships and conversion rates and empowering sales.

Why Demand for Salesforce Developers Is High

Salesforce is rapidly developing as a CRM and a development ecosystem. The programs can create applications in Lightning Platform and tools for predictive analytics with Einstein AI.

A company can adopt Salesforce in two ways: configuration and customization. During the configuration, a Salesforce administrator tunes the functions of the CRM through the user’s interface without coding. The customization is needed when the configuration is not enough and a company needs:

  • New functions in addition to the standard CRM modules
  • Automation of complicated business-processes
  • Custom templates for email
  • Introduction of Einstein AI
  • Custom dashboards and reports
  • Integration with ERP, website, social media
  • Custom applications for Salesforce

The budget of the whole project highly depends on the Salesforce developers cost. As a rule, it is higher in the US and West Europe. But choosing outsource developers from Eastern Europe companies can get the same high-quality services for a lower cost.

Why Salesforce Development Is Important for Business

Salesforce management is available globally. The business owners can use the stack of tools and services to enhance business and choose the best tactics to delight customers. Interactions with clients, collection of feedback, building trust and common values help a brand to shape effective principles of customer engagement.

Salesforce developers create applications, which improve customer experience, increasing the chances of the company to become a success in the competitive business environment.

Beating the Manufacturer Cross-Reference: API Delevan 4448R Series and Eaton Econo-Pac® Series

Manufacturer cross-reference PDFs and tools can be useful resources when trying to find alternatives for a particular component. However, these cross-references are typically only made for the simplest passive components, meaning that it can be difficult to find a compatible replacement for a niche part such as a coupled inductor or common-mode choke. This is where automated cross-reference tools step in, reducing engineering time for finding a replacement by looking for parts with similar mechanical and electrical properties and presenting them in an easy-to-compare ranked format. In this article, we will look at finding replacements for the Eaton Econo-Pac® series of coupled inductors, transformers, and inductor arrays using the automated cross-referencing tools available at sourcingbot.com.

Challenges in Coupled Inductor Cross-Referencing

Coupled inductors can be difficult to cross-reference for a variety of reasons. First, they are often grouped with normal fixed inductors, which they are not compatible with. For example, if we look at the CTX0474PR from Eaton on Octopart, we get the following similar parts table:

None of the similar parts are coupled inductors; they are all normal inductors. This means that the recommendations are useless, possibly even misleading, for engineers. 

Secondly, unlike a two-port fixed inductor, coupled inductors and transformers have a particular pinout, meaning that the device may not operate in the same way if the component is rotated. This means that two coupled inductors with the exact same electrical specifications and footprint could be incompatible with one another due to the internal wiring.

Third, an engineer typically needs more information than what can be typically found in the datasheet in order to verify a cross-reference. A temperature vs. DC current relationship is important to know for thermal considerations, while impedance vs. frequency, inductance vs. frequency, and inductance vs. DC current are also helpful in determining if two coupled inductors are compatible. These relationships are not typically available at distributors or on the datasheet and must be checked by the engineer at the manufacturer’s website or in the lab.

Finding the Right Coupled Inductor Cross-Reference Fast with Automated Tools

The engineers at SourcingBot have taken these three difficulties into consideration when designing their cross-referencing tool for coupled inductors, transformers, common-mode chokes, and inductor arrays. These parts are grouped separately from two-port fixed inductors, datasheets and footprints from UltraLibrarian are available, and lab-measured data is displayed alongside the similar parts and datasheet information.

Let’s look at the same example as in the previous section, the Eaton CTX0474PR. If we search for this part number on sourcingbot.com we come to the part page at https://sourcingbot.com/passive-components/inductors-chokes-coils/arrays%2C-signal-transformers/eaton/ctx0474pr, which has datasheet information, similar parts, laboratory measurements, pricing, and availability from distributors. The match table shows the most important specifications, including inductance, DC resistance, rated current, length, width, shielding, and more, and the matches are ranked by a transparent similarity score, given out of 100 percentage points. All of the latest products from top inductor manufacturers are compared, making it easy for engineers to assemble their cross-reference lists quickly and reliably. Here we find replacements from API Delevan’s 4448R series, as well as more similar Eaton parts.

The SourcingBot website can also cross-reference an entire bill of materials automatically. Just visit their tool at sourcingbot.com/xref-tool and upload a bill of material to get started. It can return replacements from all manufacturers or from a given list of manufacturers. In addition to transformers, coupled inductors, and common-mode chokes, SourcingBot can calculate cross references in many passive component categories, including resistors, capacitors, and inductors, as well as many connector categories, including circular connectors, terminal blocks, FFC and FPC connectors, and more.

Shining the Spotlight on Corporate Responsibility

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Corporate responsibility – has your business thought about this? Do you have a policy in place? Are you actively engaged in any projects you have ongoing? Corporate responsibility is something many companies, of all sizes – including smaller businesses, are starting to recognise as an important part of their daily business activity.

Investopedia describes how it has become so important “Companies are increasingly ramping up their focus on social responsibility, whether it’s championing women’s rights, protecting the environment, or attempting to obliterate poverty, on local, national, or global levels…From an optics perspective, socially responsible companies project more attractive images to both consumers and shareholders alike, which serves to positively affect their bottom lines.”

But what kind of projects can your business embark on to make an impact? It needs to be the right ‘fit’ for your company. This gets tricky when you’re small to medium sized and unsure of where to make your mark.

So this week we’re taking a close look at Fruitful Office, a successful London based office fruit delivery company. They managed to align a social responsibility project with their company ethos, which makes their brand stronger at its core with a strong philanthropic identity but also gives the added benefits of presenting a more trustworthy brand that customers want to help succeed.

So, what are they doing? In 2015, in association with UK charity RIPPLE Africa, every time a customer purchased an office fruit basket from Fruitful Office, the company pledged to plant a tree in Malawi, Africa. This turned out to be a very successful campaign, with a total of 105,981 trees in Malawi being planted over the course of a few short months upon the campaign’s launch. The trees that were planted were fast growing trees, such as guava and papaya fruit trees. They only take 3-5 years to grow, are relatively low maintenance, and are often abundant with fruit, making it ideal for the communities growing them.

Fig 1. Fruitful Office team planting in Malawi.

Why does this help? Well, the Malawian community are able to continue the work after Fruitful Office have provided the tree seedlings and guidelines for their care. The seeds were given to farmers, schools and community clubs across the region. In some cases, equipment was also given to the community to assist with the maintenance of the trees. The trees provide a means of income for many.

The campaign doesn’t stop there. Fruitful Office are actively implementing plans to take their campaign to the deforested region of Mzuzu. Currently, the plan is to plant more fast growing trees in this area, with a target of 300,000 trees in the first year.

The Fruitful Office campaign is successful for many reasons. The first is that the campaign makes a real difference. It is a worthwhile cause and a lot of long-term good is being done for the right reasons. Secondly, Fruitful can talk about the campaign on their website, social media and in press releases (you’re reading about it right now, afterall.) Detailing the work and benefits of such a project undeniably enhances the brand image. This offers the second hand benefit of customers realising they are directly contributing to a tangible difference on the other side of the world – Just one fruit basket is equivalent to the planting of one fruit tree, so the campaign can feel effective from the first order. The campaign is also in line with the Fruitful Office branding and ethos, which is an important consideration when choosing a campaign area to hitch your support too. It’s a natural fit as the Fruitful Office brand represents ideas such as consciously making good choices, healthy living, sustainable development, and so on, which this project holds at the very core of its mission statement. Fruitful Office extended this campaign and didn’t stop at the end of the first project five years ago. By providing ongoing support, real relationships have been built and continue to flourish as time goes on. They show no signs of stopping this support, despite the on-going chaos of the global pandemic wreaking havoc with revenue and travel plans alike.

What Will Joe Biden Administration Look Like In 2021

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The United States will have a new president in 2021. Democrat Joe Biden will assume the reins of the executive branch, bringing some “normalcy” to the White House after 4 years of a rather atypical presidency.

The difference in styles will certainly be from heaven to earth. Joe Biden will be a more traditional president in terms of tone and form. His administration will undoubtedly be far more presidential than the Trump administration, which was extremely personal. Here we will have an important change.

However, in many ways, 2021 will look a lot like 2020. It will be an extension during the first few months. But things will gradually improve. Generally speaking, it will be a positive year.

We must be very attentive to three processes: The deglobalization of the world, the digitization of the world and the growing rivalry between China and the United States. In economic matters, deflation, unemployment and inequality will continue to be the main problems.

On the other hand, in political and social matters, the great challenge is division. In other words, the polarization of American society. Tribal struggles between groups, races, and parties.

Is Biden a radical on the left? Of course not. We must remember that Biden is no newcomer. In other words, its trajectory is widely known. And his record speaks for itself. His alleged radicalism was a laboratory move by the Trump campaign.

It worked wonders for Latinos in South Florida, by the way. However, propaganda is one thing and reality is another. Joe Biden is clearly a proven moderate. A man of the center, known for knowing how to work with both parties. The danger here is not a radical shift to the left.

Here the danger is inaction. I mean, Biden don’t do anything. An administration rich in words, but poor in actions.

Joe Biden was never a particularly popular candidate. In fact, it was always the anti-Trump or anti-radical left option. We well know that Bernie Sanders and Elizabeth Warren have much more committed followers. However, fanaticism was not enough to beat Trump.

The radical left in the United States does not have the numbers to obtain a majority. So, Biden was a concession. Neutral and respectable enough to attract independents, the undecided, and disgruntled Republicans, but a full-fledged Democrat who would also win the vote of radicals within the party. Many did not vote for Biden per se.

But they did vote for Biden to vote against Trump. Is different.

The strategy worked, because Biden did win the election. However, now is when the hardest part begins. In other words, to govern a deeply divided country with a party invaded by radicals and a Senate against it. Biden’s economic plan is very good. But it’s good on paper. It’s no use if you can’t get support.

It is very possible that the Republicans are blocking it from all sides. Will your bipartisan skill work in the current context? Do you have the leadership to deliver results? That remains to be seen. Politics can easily get in the way of a good plan. Because in politics you don’t just have to be right. You also have to have the support.

What role will Trump play in the opposition? Trump’s followers idolize their leader. Its base is a kind of cult. Personalism at that level is not uncommon in the third world, but Trump managed to recreate that phenomenon in the United States. His messianic demi-god status could still stay alive for a while.

Republicans are scared of Trump, because they don’t want to lose their base support. Which would make Trump a pretty annoying ghost during the Biden administration. The level of influence Trump could have outside the White House remains to be seen.

The United States could grow by 3.6% in 2021 with a deficit of -9.2%. The government will take a big turn to the center with a legislature in constant war. L as racial tensions and street protests will continue.

The coronavirus will continue to claim many lives, but vaccines will get the job done. Here the problem will be the “anti-vaxxer” movement. A real stone in the shoe in the fight against the pandemic. There will be chaos for a time. But everything seems to indicate that 2021 will end on good terms.

Will unemployment return to 4%? Will inflation exceed 2%? Will we have a crash in the stock market? Will the Dollar Index exceed its 2008 record low? Probably not. But there will surely be some scares along the way.

During the Biden administration, many things will return to normal. The United States will once again be part of the World Health Organization, the Paris Accords will be returned, and the children of illegal immigrants will once again have certain protections.

Regarding the covid-19 measures, Biden will be stricter and less ambiguous than Trump. Surely, many things will be mandatory for a while, such as the use of masks, for example.

In the diplomatic field, the Joe Biden administration will surely seek to resume old alliances and try to iron out the rough edges left by Trump internationally. In the domestic field, however, the key will be in the legislature. It will be very difficult for Biden to pass his proposals on health, economy, climate and taxes due to the Republican fence.

When it comes to stimulus, a very relevant issue for Bitcoin and financial markets, the Republicans will continue to put up obstacles.

Republicans will continue to promote fiscal austerity on a matter of doctrine. But this lack of fiscal investment the only thing that will cause will be a continuation of the recovery in the form of K.

In other words, the supposed republican and libertarian “austerity” is basically “austerity” for the neediest, but wealth for the richest .Ironically, this formula will be very convenient for Bitcoin and Wall Street which will grow much faster than the real economy due to the Republican “austerity”.

The money supply will go straight to asset inflation. Excellent for Bitcoin. But not so much for the common citizen suffering from the crisis.

The most important change is the return to institutionality. In other words, a more presidential presidency. On the monetary side, things will not change much during 2021, because the Federal Reserve enjoys a lot of autonomy and will continue to do its job.

I assume that Biden will have a better relationship with Powell. Because Trump always had a very tense relationship. But monetary policy as such will not undergo major changes.

We have to be very attentive to what happens in the Securities and Exchange Commission ( SEC ). Trump was somewhat hostile to the crypto world and Jay Clayton, the outgoing director, wasn’t exactly our best friend, but an SEC under the Biden administration might be a bit more crypto-friendly. What will the new SEC be like regarding Bitcoin? We will see it in 2021.

What is the right time for selling a life insurance policy and how it works

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The importance of life insurance as a financial asset is immense as it assures a lumpsum amount of money at the time of death of the policyholder. Thus, life insurance is another name of safety and security. But in reality, nearly $140 billion life insurance benefits remain unclaimed or lapsed each year by policyholders aged more than sixty-five. There are many reasons for it. You might feel that you have no interest to continue your life insurance due to high premium or you no longer have any person economically dependent on you. In these cases, when carrying a life insurance policy fails to create any meaning, you might have thought, ‘can I sell my life insurance policy?’, but have not found any practical solution to it.

Well, if you wish, you can sell your life insurance policy to another person or a third party broker in exchange for cash payouts. Below we have discussed different aspects of selling a life insurance policy to help you make a better decision with your life insurance and live a better life.

How can you sell a life insurance policy?

The procedure of selling a life insurance policy is known as life settlement (some also call it viatical settlement). However, if you set up your mind for a life settlement, the first thing you need to do is to find a potential buyer. It is very much odd that you will find an individual buyer. So, experts always recommend to find a settlement firm or an insurance broker to sell the policy.

These settlement companies or brokers correlate with a wide range of investors to put your life insurance policy at the right place. You can also verify several brokers and agencies to get the best payout.

What buyer thinks and what insurance agency thinks:

In the case of life settlement, the buyer might ask you many questions regarding your medical condition, policy timeframe, etc. As per the buyer motivation, the buyer wants you to die quickly so that he gets a quick high benefit. On another side, the insurance company wants to you die later so that they can accumulate more premiums. That is why, in most cases, policyholders who sell their life insurance policy, are aged more than 65.

When should you sell your life insurance policy?

Whether you should go for a life settlement or not depends on multiple aspects. First, you need to decide how much money or asset you want to leave for your offsprings and closed ones after your death. Second, you need to have a good insight on your tax obligations to avoid the possibility of any legal disputes. If you have beneficiaries, then it is always better to talk to them before taking a specific decision. If no one depends on you financially, then it is a favourable condition for selling your life insurance policy.

Final thought:

One thing that you need to keep in mind that no matter how much cash payout you receive for the life settlement, it is always lower than the death benefits. Thus, always make sure that you get the best payout for selling your life insurance policy.

Violence Increases In Final Stretch Of US Withdrawal From Afghanistan

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With the United States forces in full retreat from the country and the peace talks between the Taliban and the government on hold until January, violence monopolizes the day-to-day in Afghanistan.

Terror broke out this time in the form of sticky bombs and there were two attacks in Kabul and Ferozkoh, Ghor province, to hit high-ranking officials. In the center of the capital, the city’s deputy governor, Mahboobullah Mohebi, was killed and one of his aides and two other people were injured.

The attack in Ghor killed the number two of the Provincial Council, Abdurahman Atshan. No group claimed responsibility for these actions aimed at weakening the power of the institutions.

On paper, Kabul should be the safest square in Afghanistan, but in just over a month the center of the capital has been the target of two indiscriminate rocket and mortar attacks and the university campus was the scene of a jihad operation. urban area in which 35 students died.

In this case, it was the jihadist group Islamic State (IS) who claimed responsibility for the massacre, but the Government did not believe this version and accused the Taliban of being the true authors of the assault. Journalists are also in the spotlight and two well-known presenters have died in the last three weeks.

The peace talks are on hold until January and the president, Ashraf Ghani , asked the two sides to consider the possibility of “abandoning the luxurious hotels of Doha” to continue the dialogue in Afghanistan. The city of Kandahar, a stronghold of the insurgency in the south of the country, offered to resume the dialogue between Afghans during the next month.

The Taliban have respected the ceasefire agreed with the United States since February 29 in exchange for the withdrawal of its troops, but they refuse to accept a truce with the government and this complicates talks that are progressing very slowly.

In these months, operations against the Afghan security forces have intensified and the clashes leave a high number of casualties among civilians, soldiers, police and Taliban. The initial hope sparked by the talks has been faded by the violence.

Finally, the United States troops will not be out of the country for Christmas, as Trump hinted in October in a message in a clear electoral tone, but their withdrawal is progressing according to the deadlines agreed with the insurgency.

In an interview with the BBC network, the Taliban leaders reminded the next tenant of the White House, Joe Biden , the importance of respecting the agreement. The Islamist group believes that “each foreign soldier who remains in the country beyond the stipulated time will be considered a legitimate target and we will resume the holy war.”

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