Is it Safe to Use Online Car Finance?

Online car finance is convenient. You can apply over the net and shop around for a good deal from the comfort of your home.But with the rise of scams on the net there are precautions you should take to make sure you are not being ripped off.Car Finance Safety Tips1) If you are in an english speaking country, the website you are dealing with should be in english. If the English is poor it could be a scam site.2) Only deal with companies that publish full contact details on their site, such as phone numbers, preferably one in your country. Also they should maintain a physical office and also publish that on the web. A reputable company will have an office.3) They should be listed in the phone directory as well, either the yellow or white pages.4) No bank or finance company will ever send you an email asking for your passwords or account details.5) Check a number of companies out before you make your decision. Compare the rates. Read all the terms and conditions.6) E-loan and Capital One are two safe online finance companies and have passed all these checks from my research.7) I recently reviewed an offer from a finance company that looked like it was from Russia, who didn’t even have a phone number. They had all manner of explanations but it is simply not good enough. So go with professional companies. Remember, there is no such thing as something for nothingRemember to seek competent advice from a professional such as accountant before making financial decisions.

Get the Latest Tech News From Technology Sites

When the society looks back on the past few decades and the infancy of the World wide web can be correctly defined, it will most likely be chronicled that the Internet is the greatest learning tool since the printing press. Even small African communities where basic electricity can at times be a scarcity, personal computers and the World wide web are changing the way people view the world. In addition to millions of pages devoted to news, politics, and other things, tech news are often a dominant subject matter on a medium run by the most recent technological discoveries. Here are just a few internet sites you can visit for the latest technology news.The website cNet has been a frontrunner in technology for many years. Not only do they have a pile of news and stories devoted to technological innovation, but they also have a seemingly never-ending amount of product critiques. In addition they run the well-liked Download.com site which lets you download trials of computer software or freeware and shareware applications from around the globe. Ask just about any hardcore computer nerd about this site and they’ll probably tell you that they’ve it bookmarked and that they check-in with cNet at least once per day.Following closely behind cNet is ZDnet. They have been around almost as long and have created a great track record of not only tech news but also having several of the finest opinion authors within the company, as well. Quite a few of the reports have comments enabled, which implies you may fire back at a columnist who is voicing a viewpoint that you believe is ridiculous. Keep in mind, just because a person has something printed online, it does not mean that person has any idea what they are talking about. Just bear in mind to remain civil and well-intentioned when making your point.Some of the very best mainstream news outlets available also have excellent technology news divisions, as well. Web sites like the San Francisco Chronicle, CNN, MSNBC as well as the BBC all have webpages with tech sections which are updated several times every day.Following in the footsteps of the major news agencies, the Internet giants are likewise trying to cover technology news. Sites like Google News and Yahoo News now have fulltime journalists on the beat and they regularly break stories that the other web sites miss. This is a case of businesses producing so much cash and having only little idea of exactly what to do with it, so they start their very own media service.

Business Education Standards

Okay, a show of hands, everyone. How many of you had any business sense prior to leaving high school?Of those of you who said yes, were there any who did not get it from a family member or close friend? I thought so.There are many things to criticize about the education system. But there’s one that seems, at least from my perspective, to get scant attention: is there a real business education standard which is given any more than passing mention during the thirteen years one sits in American classrooms and absorbs information? Considering that the fundamentals of earning a living is a very important in being a contributing citizen, and that business ownership would be among the most reliable pathway to making a successful living, that’s pretty scary!I concluded pretty late in my life that learning how to develop and operate a business would be a crucial endeavor. And yes, I can lay a lot of blame for the delay on the education I received growing up. But – and this ought to be an admonition for the rest of us – the more important issue is, how do I make up for lost time?Some thoughts:1. Find a good mentor- I put this at the top because, from a logistical perspective, this will be the hardest step. Even knowing who has been successful in business can be tricky at times because many faces can represent success. And then, there’s the inconvenient question of whether they would want to spend time developing the necessary business skills of ‘little old you! Unfortunately, a lot of people will be like that. On the flip side, there are exceptions. I personally have benefited from a few key people like this in my life. You can too.2. Discover what’s been successful- This ought to be the basic business education standard. Once you find a good mentor or two, getting that insight will almost be a matter of if it being spoon-fed to you, but this is a question you can get answers to ahead of time. Read books. Search the Internet. Study the stories of the successful. There is a lot of information, oftentimes for free, which can put you well on your way.3. Don’t be afraid to fail- This may be the hardest point on the emotional level. I am talking here about failing in potentially catastrophic ways. Another problem with the way most of us were taught is that we eventually learned a healthy respect for the red marker. You know, the one that checked off the questions we got wrong? It’s okay as far as it goes, but failure has a way of teaching us in ways that no other environment can. Obviously, if a mentor can teach you from their mistakes rather than yours, it’s a bonus, but be mindful that failure is not final.Now, there would be some standards that would make us all better!

Internet Marketing For Small Business – Part 2 of 5 Steps to Succeeding With Google AdWords

Continuing on from my last article ‘Internet Marketing For Small Business – Part 1 of 5 Steps to Succeeding With Google AdWords”, here are the final steps to ensuring a successful Google AdWords Campaign.2. Understanding Quality Score:Once you have added your keywords, Google will tell you your quality score. Its important that you have a good to great quality score in your keywords (usually rated out of 10), if you get a poor or OK quality score, it means you have done something wrong. It could be that you are bidding on the wrong keywords, that your landing page is not specific enough for those keywords or Google does not think your ad is related to your keywords or that the page you are sending people does not have those keywords in it.The quality score will be determined from a number of things:

You need to have a high CTR: A high quality score must be over 1% and this will also depend on how your ads are showing up. If your ad is appearing on the 2nd or 3rd page, then this will mean your quality score is lower but if you are in the top 5 or 6 positions, your CTR should be over 1%. Therefore you need to work on getting that CTR as high as you with a baseline of 1% as the CTR. You should always get a CTR of over 1%, even as high as 15% and the way you get a high CTR is by testing. You write 2 different ads and see which ones performs better. Usually after 30 to a 100 clicks, you pick the ad that gets a higher click rate and write a variation on it. You then go on and write another ad that is different to that one and see which one performs better again (beating the control). When you have found a theme that performs very well, you can tweak your ads by adding a question mark, quotations around it, switch the descriptions lines or even change your url. You can do any of these things to tweak your ad so that you can get a higher CTR, thus a higher quality score.

Its Not A Bidding War….Most people when starting out with Google AdWords usually say “I want to be in the top position, at number 1 and I am willing to pay more than anyone else to be there”. This is the wrong way to go about it. It should not be a bidding war, it should be a fight over who is the better advertiser, that is what Google really wants. Google wants you to write an ad that gets the highest CTR so that they make more money ie. the more clicks, the more money you pay them. So if you can write a better ad than your competitors, Google will be very willing to reward you for that. They reward you by charging you less per click and putting you in a higher position on the page. Lets say your ad gets a 2% CTR and your competitor gets a 1% CTR, it probably means you are going to pay half as much per click and be ranked higher than your competitor because Google will know the user is having a better searching experience. Hence you should always have two ads running and check which ad is performing better. If one is performing badly, pause it, write a better ad and see if you can beat your better performing ad.
3. Tracking:AdWords is probably the best system for tracking that exists. It is very easy with Google AdWords to set up your keywords and track how well they are performing ( i.e. by making you money). What is most important is to track whether the clicks are making you sales or converting into leads or sales. If your clicks are not converting, you are obviously just wasting money so it is very important that you track down at a keyword level which ones are making money for you. This is called keyword conversion tracking and there are a couple ways of doing it. The best way is to have Google do it for you. Google has some keyword conversion tracking code which they will allow you put it on your thank you or finished page and they will let you track a sale or a conversion.The other way you can track conversions is by assigning a specific URL to every keyword (help can be found at the Google AdWords Tutorial). The better you understand how to track conversions, the better your results will be with AdWords. You will find that as you get more clicks on your campaign and by tracking everything, different keywords will perform very differently even though they may seem very similar. For example ‘dog training’ maybe very different to ‘train my dog’, you may find that one of them may convert much higher than the other one.On another level, you can track conversions through the success of your ad campaigns. Some ads may perform better than other ads, for example one ad may have a price and the other may not, this means anyone that clicks on the ad with a price knows that they have to buy something when they go to that page – that ad will convert at a higher percentage than if you did not have the price on the ad. It will probably have a much lower CTR but also a higher conversion rate. This is really something that needs to be tested on every campaign to see if you are getting a return on investment because in the end the goal is to make the greatest amount of money. Track everything!4. Bidding:Over the years bidding has changed, it use to be bid low and then raise your bid and to see what the lowest point was. That is probably not the wisest thing to do anymore – at least not right now. Right now what I suggest is start by bidding high, what this does is allow you to get a good position on AdWords and a good CTR. As you establish the CTR, Google will recognize that you are a good advertiser and then you can lower your bid everyday to what Google is actually charging you (whilst maintaining your high CTR). What you need to figure out is whether you are getting a good returns for the money you are actually spending so if you are spending a $1 and getting $2 back – you know its worth continuing the campaign.5. Last words:Please don’t get emotional attached to a keyword because you ‘like’ the keyword or believe it should work. Do not expect to learn everything upfront and then go implementing a Google AdWords campaign effectively. If you have your own full time business and love what you are doing – then get a professional in to run your own PPC campaigns.

An Inside Look at the Importance of a Smile in Sales

If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).

Smile: Your Sale Depends on It!

Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:

• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!

• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.

• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.

But What If You Don’t Like Your Smile?

If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!

Where to buy beautiful rugs, floor mats and more.

Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide!

QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in one place without worrying the shipping fee. You can collect all her original art pieces and open editions from your comfort zone in just few clicks. All original artworks will be shipped straight from the country of exhibition with free shipping worldwide. Home décor on QueenNoble is not your usual home decoration items. Every items were designed by QueenNoble Dr. Elle Ramirez exclusively made from handmade paintings turned to manipulated photos to make stunning designs for every home décor items such as the rugs, lamps, wall decors and more. Of course the original artworks of QueenNoble are all available to every collectors who collect only original artworks. The prints are premium quality, framed and ready to hang for everyone’s convenience. Rugs, lamps, pillows and others are designed by QueenNoble, and then manufactured by partnered companies in Europe and in The United States.

The artist And Designer QueenNoble

Dr. Elle Ramirez also known as QueenNoble is an American international fine arts artist, designer, sculptor, photographer and an author. Dr. Ramirez creates rare textured and embossed abstract artworks from wall sculptures to embossed paintings. Her career began from year 2006 up to this present day. (See Wikipedia.)

QueenNoble is known for her textured and embossed abstract artworks mimicking planets, natural stones and rocks, abstract engraved portraits, several monochromatic and vivid concepts.

“Live Minimal” is one of QueenNoble’s art books released year 2021. (See Google Scholar Books)

QueenNoble is also an author of several mental health books like “Quarantine: The Challenges During Quarantine and How to Keep Our Sanity”. QueenNoble is also the author of the Novel called, “The Cart Season 1”. (See more on Amazon)

One Of A Kind Products You Can Buy On QueenNoble

One of a kind luxury collectibles with certificate. Unique items designed and curated by QueenNoble Dr. Elle Ramirez are now available on the official website. One collectible is to one collector or owner. Collectibles can be a wallet, bag, a piece of art, a furniture, a dress or a shirt and more. A first come first served basis. Handmade with love and attention. Own something that no one has in the entire world. Only on QueenNoble. What will you get on the top of that? You will receive a certificate of authenticity upon receiving your item. Free shipping worldwide. Free repair and replacement in case of a major manufacture error. Most items are handmade and are genuine leather so slight imperfections are visible which are the signs of most genuine leathers in the market. Varieties of items and vast selections although items are very quick to be sold.

Who does not want a one of a kind item? It is really disliked to run to someone with the same exact dress in an occasion or a business meeting! Now on QueenNoble not only original hand-painted artworks are available now you get to wear an art yourself anywhere and anytime. Display a furniture or a décor and be asked by a friend or a colleague, “Where can I buy one?” and of course the answer is “You can’t buy that in the market.” Because It is only one!

What happens after you buy a one of a kind on QueenNoble? The price increases yearly for 10 years. What an investment for yourself or a luxurious lifetime gift for a special someone!

From the author’s words:

If you are a collector and a shopper, QueenNoble is definitely where to go specially if you are looking for unique designer’s décor such as rugs, comforters, bags, wall art etc. A lot of selections to choose from. The designs are contemporary and modern. In one look you know where the products are from since you can only find them on queennoble.com. The processes are also very convenient and shipping is fast worldwide.

I bought a one of a kind bag. When I received it it came with an envelope consisting the certificate. The leather bag is stunning. Fast shipping and free delivery. They also offer free repair in case there is a manufacturer error for free.

Note also that if you are a merchant you can sign up on their trading program. There is a 15-30% commission. Less work for you all you do is share the url of the product and your designated coupon code which you’ll receive when you sign up and you get paid everytime someone uses your coupon code. Sound interesting right? Copy code, share url and code on your social media and earn as you go.

QueenNoble is also on Saatchiart, Artmajeur, Singulart Galleries. On QueenNoble’s original artworks, all artworks with certificate of authenticity will be shipped straight to the collector from the current exhibited country and also free shipping worldwide.

What are anti-ligature blinds?

Anti-ligature blinds are becoming increasingly popular in a range of different settings. The way these blinds differ from traditional blinds is that they are designed to prevent suicide by hanging.

Initially, uptake for this type of blind was largely restricted to high-risk environments such as psychiatric hospitals and prisons, where suicide is common. In mental health environments and detention centres, suicide via hanging is common and preventative measures must be implemented. A huge range of objects could be used to create a ligature point, meaning anti-ligature systems are highly important.

Over the years, anti-ligature blinds have been supplied to hospitals, schools, student accommodation and even hotels.

How do they work?

There are a range of different systems on the market, but the most reliable could well be the magnetic anti-ligature system. YewdaleKestrel® products utilise load release magnets which separate when a downward force is exerted on the product. This means that the product falls to the ground safely and prevents suicide via hanging.

The magnetic systems used in Yewdale’s products are highly reliable because magnets don’t lose their strength for hundreds of years, guaranteeing a lifetime of lifesaving functionality.

Anti-ligature blinds usually have a magnetic connection point above the blind’s barrel. The blind is easy to reconnect to the magnetic bracket after it has fallen to the floor.

If you are considering an anti-ligature blind, Yewdale is a highly recommended company. Based in the UK, Yewdale produce a wide range of anti-ligature products, commercial blinds, and healthcare products including hospital cubicle tracks and medical curtains.

Yewdale produce other anti-ligature products too including a soft, lightweight en-suite door and other accessories such as soap dispensers, toilet roll holder, shelves and artwork. You can see the full range on the website using the link below.

10 Unsafe Symptoms of Cell Phones Usage on Teens

10 Unsafe Symptoms of Cell Phones Usage on Teens

Over and wrong utilization of PDAs can harm mental as well as actual health. Parents might consider giving their teens cell phones for security motivations. Be that as it may, the conceivable abuse and opposite symptoms of cell phones on young people are not obscure. While it effectively is mindful of your kid’s whereabouts, taking into account its antagonistic consequences for teens is significant. As indicated by a review led by the Seat Exploration Center, around 785 of all youngsters between ages 12 and 17 have cell phones (1). It is a typical sight these days to see a gathering of youngsters standing together yet having no discussion and being engaged with themselves. Teens utilize their cell phones to call their folks and do other great and awful things. Around one of every four teens approach the web, definitely more than grown-ups. Look at the post to know whether cells are great for teenagers, the adverse consequences of PDAs, and tips on the safe use of cell phones.

Impacts Of Cell Phones On Youngsters

There is no question that a cell phone is a convenient device. It facilitates correspondence with partners, companions, and family members. However, every innovation that gives such advantages comes with a bunch of adverse consequences. The effect of cell phones on youth and society is tremendous. This region requires consideration when you are giving your high schooler a phone. This is the way PDAs influence, teens.

Teen tendonitis (TTT)
Abundance generation of messages can prompt High schooler Tendonitis (TTT). It causes torment in the hands, back, and neck because of the unfortunate stance. As per a five-year partner study, extreme phone use is known to bring about outer muscle problems, for example, tendonitis and first carpometacarpal joint pain in the lower arm and thumb.

Stress
Having a mobile phone will entice your high schooler to go the entire day talking or messaging as opposed to doing useful things. Studies have demonstrated that youngsters who invest a lot of their energy in their cells are more inclined to pressure, uneasiness, and melancholy. Research has additionally tracked down that extreme utilization of cell phones might bring about an expanded gamble of emotional well-being issues.

Sleep misfortune
Most teenagers keep their phones close by while resting to answer messages and calls and stay reachable nonstop. This might prompt rest interference and disturbance. Investigations have discovered that young people who use cell phones after the lights out experience expanded sluggishness. Additionally, undergrads who use phones after the beginning of rest are accounted for to be alert an extra 46 minutes out of every week.

Mishaps
Adolescents will quite often go to calls and text while driving, which is demonstrated to be risky. As indicated by the Places for Infectious prevention and Counteraction (CDC), adolescents are bound to be diverted more than drivers of some other age. Thus, utilizing a mobile phone while driving ought to be a severe no.

Uneasiness
Depending on messaging as an essential method of correspondence can increment uneasiness in youngsters. Messaging is right away satisfying, yet it likewise creates tension. The moment answered by a companion can give pleasure and euphoria. However, if there should be an occurrence of deferred reaction or no reaction, this equivalent joy can transform into disillusionment. Likewise, mobile phone habit can transform into a fixation to promptly take a look at messages and answer. It might likewise increment tension by making a deception that they had gotten a message in any event, when there was no message, making them regularly look at their telephones (3).

Hazard of malignant growth
Despite the fact that there’s no obvious proof of the connection between wireless use and disease, there are a few measurably huge relationships in certain individuals. Information gathered from five European nations have shown an expanded gamble of acoustic neuroma in people who utilized a cell for at least ten years.

Despite the fact that there is no unmistakable examination supporting the gamble of malignant growth and cell utilization, it is said to have a wide scope of well-being impacts.

Cyberbullying
As indicated by a review led on 13-18-year-olds by Cox Interchanges, 15% of kids had been cyberbullied on the web, 10% had been cyberbullied by cell, and 5% had cyberbullied someone else through a phone.

As indicated by a review, cyberbullying makes young people miserable and reluctant to go to class. This study has likewise observed that youngsters who are cyberbullied have a higher gamble of psychosomatic issues, for example, incessant migraines, issues nodding off, a higher pace of tension, and depression.

Cyberbullying is considerably more challenging to recognize than actual harassment as it will in general be more imperceptible. Additionally, the culprits can take cover behind the obscurity presented by the web.

Bogus distinction
The most recent advancements in cells have made it simple for youngsters to get any data. The majority of the things projected via online entertainment and the Web may not be exact, yet teens who are innocent (at their age) could view them in a serious way and get impacted. This could lead them to live in a dreamland and foster bogus renown. Some may likewise turn to wrongdoings to satisfy their dreams.

Heftiness
Steady utilization of phones may likewise cause weight in young people. As indicated by a review led by Harvard T.H Chan School of General Wellbeing, youngsters who spend more hours daily on phones are bound to become stout. The concentrate further says that youngsters who spend over five hours daily before screens are 43% bound to get less rest or exercise, bringing about weight

Vision issues
Expanded utilization of mobile phones is said to cause vision issues in young people. According to a review led by 30 clinical understudies, 83% of them were found to have wireless vision conditions. The side effects incorporate pressure, redness, consuming sensation, obscured vision, and dry eyes.

Over-the-top use of mobile phones outperforms their value and makes new issues for young people. While you may not prevent your teen from utilizing a mobile phone, it is feasible to restrict the use by laying out some guidelines.

Prior to giving wireless to your youngster, ensure they know about the focuses underneath.

Tips On Safe Use Of Cells For Youngsters

Cells are staying put, basically not at any point in the near future. Along these lines, you want to show your adolescents about cell phone security and how to dependably utilize it. They additionally need to have concurred limits for cell phone use. Here are far to stay away from the antagonistic impacts of cellphones on youngsters:

Complete weight loss strategy

For those who want to lose weight

Research on the causes of obesity, knowledge about weight loss, and various diets for weight loss are updated every year. However, with the update of knowledge and the release of diet pills one after another, the obesity rate continues to rise every year, and there is no sign of wanting to decline. I used to be very, very fat, and I am also a person who is prone to obesity.

So I understand the voices of fat people, I really want to lose weight, but I tried many ways to lose weight at that time without success.

I have tried the common boiled meals on the market, eating less and moving more, but it was not until I tried other diets that I managed to lose weight. After I lost weight, I began to study the essence and method of losing weight, and wrote him in this weight loss strategy article, hoping to help you.

A few key myths about losing weight

The weight loss myth of eating less and moving more

The phrase “eat less and move more” is actually true, but most people do it wrong. Many people think that they should eat less of everything, so they limit their calories to a very low level, and it feels a bit like eating an ultra-low-calorie fairy meal. Then, for the hyperactive part, the first thing that everyone thinks of is aerobic exercise such as running, cycling, etc., but in fact, this is a very short-term and easy way to regain weight, mainly because eating too little is an easy way to lose weight. The reason for the loss of muscle mass, coupled with the fact that aerobic training is not helpful for muscle mass growth, causes the metabolism to drop too much.

Maybe you can lose 5 kilograms in this way, but if your metabolism declines, you will easily regain the weight. And it’s all the fat that gets back up, not the muscle you lose that makes you look fatter than before. This is what we call the yo-yo effect, lose weight, get fat back, get fatter than before, lose weight, get back on Fat, get fatter than before.

Stop taking diet pills and meal replacements

At this time, you may start to seek other ways, eat weight loss meal replacements, taking diet pills, and so on. But believe me, most diet pills will inevitably hurt the body, especially the gastrointestinal tract. You may actually lose weight in the moment, but when your gastrointestinal tract is damaged, you will be fatter than before.

The key to understanding how to lose weight

You must have thought, why some people will not gain weight no matter what they eat, while some people will gain a kilogram the next day after eating a little bread? What is the cause of obesity? This is not a simple answer that can be solved!

You can see the link to the picture below, mainly talking about the influencing factors of obesity, which are very, very complicated.

Image source: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/296290/obesity-map-full-hi-res.pdf

In the middle of this picture is the heat balance

So we can know that calorie balance is very important

But this article doesn’t keep preaching that calorie balance is the key to losing weight like other sites

If you don’t know what calorie balance is, you can probably imagine that our body has calorie consumption (exercise, thermogenesis, basal metabolism), and calorie intake (eating).

When calorie consumption exceeds calorie intake, the weight will drop, so the truth of weight loss is to eat less and move more, very simple. In the short term, it is really possible to simply achieve weight loss by eating less and moving more, but simplicity is not simple, because the operation of the body is very complicated. Many people think that they can control their calorie consumption, that they can achieve a lot of calorie expenditure by running all the time, and that eating fairy meals (low-calorie meals) can reduce calorie intake and then easily lose it.

However, according to research, 90% of people who use calorie control, eat less and move more to lose weight will fail or regain the weight.

Because eating less and moving more for too long, metabolism will easily drop, hormones will easily become imbalanced, and muscle mass will easily be lost. Even if you lose 10 kilograms, you will easily regain weight.

When losing weight, the body is like a factory

For me, the key to long-term weight loss and maintaining good posture is the environment in the body, such as hormones, the level of inflammation in the body, and the gastrointestinal system.

Think of the body as a factory

-Your hormones are the managers and workers of factory operations

-Inflamed condition is how good factory machinery and hardware are

-Calorie intake is wages for factories as well as fuel

If the manager of this factory is an idiot, or if the hardware in your factory is completely rotten, then no matter how it works, it will create a pile of waste. Just as our hormones are already out of balance and the level of inflammation in the body is very high, no matter how much you eat, if you don’t solve the existing problems, it will easily accumulate into fat. It may be easier to understand with a few examples.

Hormones vs Weight Loss

This study looked at the effects of sleep and weight loss

Research source: https://www.ncbi.nlm.nih.gov/pubmed/20921542

Both groups of humans were calorie-restricted, but one group slept 5.5 hours a night and the other 8.5 hours. Both groups lost weight, but the group that slept less lost 55 percent less body fat and 65 percent more muscle mass than the group that slept more. It is equivalent to losing weight, but most of the loss is muscle mass, which reduces metabolism and makes it easy to regain weight later.

There is such a big difference mainly because poor sleep has a negative impact. The imbalance of the secretion of these things will easily increase fat and reduce muscle.

This next study looks at the effect of insulin sensitivity on body composition!

Research source: https://www.ncbi.nlm.nih.gov/pubmed/19471290

Basically, many chronic metabolic diseases, obesity, and poor muscle-building effects are closely related to low insulin sensitivity. Insulin is an anti-catabolic hormone whose main function is to store nutrients in cells. For example, after heavy training, our muscles will be more sensitive to insulin, and the nutrients we eat will be more easily absorbed into the muscles. When insulin sensitivity is low, the nutrients we eat are more likely to be stored as fat rather than absorbed into muscles.

We can simply say that the nutrients in the food eaten by people who are insulin insensitive are more likely to be stored as fat, and the relative fat mass will be much higher than the muscle mass.

To put it simply, the key to losing weight is actually to improve hormones, improve inflammation in the body, and add an appropriate calorie deficit. It is not difficult to achieve a calorie deficit. What is more difficult is how to choose the type of food that suits your body to improve hormones and achieve a long-term good body.

If you only pursue short-term weight loss and rely on a lot of calorie deficits to achieve the effect of weight loss, and then the hormones are still the same after the loss, then I can guarantee that you will gain weight very easily.

With so many ways to eat on the internet, which diet should I try?

When talking about losing weight in Taiwan 30 years ago, everyone would definitely want to use boiled meals

When it came to losing weight five years ago, everyone might think of using a low-sugar diet. When it came to losing weight in the past two or three years, everyone might directly think of the ketogenic diet.

I lost 30kg in 3 months on a low-sugar diet myself for the first time, so I used to believe that a low-sugar diet was the best way to lose weight

But after my long-term understanding of weight loss-related research, genetic cognition, and observation of students, there is no diet that is most suitable for everyone! Although it is said that high-carbohydrate foods will most stimulate insulin secretion, which in turn promotes the storage of nutrients into fat, some people are naturally good at metabolizing carbohydrates, so they can still be healthy and strong after eating high-carbohydrate throughout their lives.

For example, this study compared the responses of people with high and low insulin sensitivity to high- and low-carb diets.

Research source: https://onlinelibrary.wiley.com/doi/full/10.1038/oby.2005.79

The study concluded:

-For people with high insulin sensitivity, eating high-carb and low-fat to lose weight is very helpful

-However, people who are insulin insensitive use a high-carb low-fat diet to lose fat, but the weight loss effect is not so good.

But on the contrary, studies have also shown that people with low insulin sensitivity have a very good weight loss effect on a low-carb high-fat diet, which shows that improving insulin is very important for weight loss, and it also shows that people with insulin insensitivity are more suitable

Lose weight with a high-carb diet.

So if you have been obese for a long time, you know that you eat carbohydrates easily, or you know that you have diabetes in your family and want to lose fat, then I would suggest that you can start by reducing carbohydrates, which is what we call low carb diet!

The Negative Impact of E-Levy on Mobile Banking.

DEFINITION OF TERMS

Mobile Banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet.

Electronic Transaction Levy or “E-Levy” is a tax applied on transactions made on electronic or digital platforms.

ADVANTAGES OF MOBILE BANKING

Mobile banking offers numerous benefits such as ease of transaction, convenience, time-saving, managing your finances, and budgeting. Some advantages of Mobile Banking in remote areas include:

Financial Inclusion — mobile banking offers convenient and easy banking services to people in remote areas. Thus, it allows banking on the go and offers all benefits of a banking system to rural areas without the presence of a financial institution.

Accessing the bank 24/7 — Mobile banking provides ubiquitous banking services without the need to visit the bank to have access to services. This offers time to benefit and ease of transacting at a distance.

Cost-benefit — Mobile banking saves the banks the cost of building physical infrastructures (branches) and maintaining branches and staff. Also, reduced costs on the customer side since the burden of visiting the bank for services is eliminated.

Improving resilience in the face of poverty — Mobile money acts as both a savings vehicle and a means of transferring funds during times of economic or environmental shocks.

Strengthening the formal economy — For many micro, small, and medium enterprises (MSMEs), opening a mobile money account can facilitate access to formal financial services. Mobile money is well placed to address the issue of informality that blights many developing economies and hampers domestic resource mobilization efforts. Mobile Money enables ease of transacting, thus increasing business profits for MSMEs.

Facilitating economic growth — Mobile money has been shown to contribute to economic growth by increasing both productivity and per capita incomes

DISADVANTAGES OF E-LEVY ON MOBILE BANKING

The design of mobile money taxation policy appears to be the antithesis of a well-designed tax system. The disadvantages include:

Inequity — Mobile money taxes as currently structured to create inequity in the tax system. As the tax is mostly borne by the poor and users of the services are subject to additional taxation (unlike bank or cash transactions), the principles of both horizontal and vertical equity in the tax system are contravened.

Uncertainty -. Uncertainty and lack of transparency over taxation systems can have a direct impact on the operations of the tax authority, increasing enforcement costs, as well as discouraging investment.

Inconvenience — The administration of mobile money transaction taxes creates an inconvenience for MMPs who must calculate and collect the tax on the revenue authority’s behalf. There is an additional inconvenience for users of the service for whom remote digital transactions become more expensive or out of reach if they revert back to cash.

Inefficiency — Badly designed mobile money taxes have been shown to have a distortionary impact on demand for mobile money services. This in turn has had negative impacts on overall tax takes, as well as impacting the attainment of national economic and development goals.

EFFECT OF MOBILE BANKING — CASE STUDIES

The decision to impose taxes on mobile bank transactions will trigger so many problems.

Ghana — According to The Fourth Estate Ghana; Although the government projects a 24% decline in transactions when the levy is finally implemented, preliminary findings published by the bank of Ghana indicate the value of mobile money transactions had dropped by 3.2 billion in December 2021, less than 2 months after the proposal to introduce E-levy.

Uganda — An e-levy of 1% introduced in 2018 has led to an overall drop in the person-to-person transaction by more than 50%, and a 24% drop in industry transactions within the same year the tax was introduced according to a report by Global system for mobile communication (GSMA).

Congo — An e-levy of 1% was introduced in 2019. The government had to reverse the tax on cash outs only due to negative results of the levy on Mobile money users such as a decline in mobile money agents (unemployment) and high-value withdrawals by people.

Other countries include Benin (5%) and Cameroun (0.2%). In all these countries, the e-levy has imposed a negative effect on the economy and people. If we want to ensure the financial inclusion of people in rural areas, we need to ensure that we encourage mobile banking by withdrawing the e-levy tax.

Reference:

https://thefourthestategh.com/2022/03/16/e-levy-this-is-what-happened-when-other-african-countries-passed-it/

Purohit, S., & Arora, R. (2021). The benefits and challenges of mobile banking at the Bottom of the pyramid. Journal of Contemporary Issues in Business and Government Vol, 27(1).

Charles G. Kpan, Jr. is an Information Technologist with over 5 years of experience in the provision of Information Technology Services and an emphasis on Web Development and Visual Branding. He’s the managing Director of CYGEC IT SOLUTIONS INC. and holds a bachelor’s Degree in Information Technology from Blue Crest University, Liberia.