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Lynn Joesph

Lynn Joesph has been a freelance writer since 2005.

Posted 10/22/17 at 3:14 AM | Lynn Joesph

5 Tips for a Better Sleep Environment

Sleep is one of the foundational elements of good health. Along with diet and nutrition, exercise, and emotional support, it’s one of the most influential factors in short-term health and long-term well-being. Sadly, most people don’t get enough quality sleep.

The Importance of Sleep Quality

The average person understands their need for sleep, yet is misguided on what constitutes quality sleep and home remedies for depression. They’re so focused on reaching a quantity – such as eight hours – that they fail to realize time isn’t the most important factor.

According to a report published in Sleep Health, the key determinants of quality sleep include:

• Sleeping for at least 85 percent of the total time spent in bed
• Falling asleep in 30 minutes or less
• Waking up no more than once per night
• Being awake for 20 minutes or less (cumulative) after first falling asleep.

In other words, quality sleep is about falling asleep quickly and staying asleep, which allows you to go through the restorative stages of sleep – particularly slow wave sleep and rapid eye movement (REM) sleep. FULL POST

Posted 10/6/17 at 9:00 AM | Lynn Joesph

Due Diligence for Buying Property: A Step-by-Step Guide to a Risk-Free Investment

Buying a house is probably the biggest financial investment that the majority of us will make. With such a costly transaction comes a greater amount of risk - you could potentially be putting your life savings or future credit on the line. In order to protect yourself from any negative impact, it's vital to treat the purchase as a business transaction, and it all starts with due diligence.

Unsure where to start? Follow this step-by-step guide from Global Database to ensure you have all the information you need before signing on the dotted line.

Step 1: Market Research

Before you even begin looking at specific properties, you'll first need to gain a good understanding of how the market sits in your preferred location. Property websites like Zillow and Hoopla can help you determine the average house prices in the area, along with working with a real estate agent and looking at industry blogs and local sites.

You may also want to take a look at crime statistics for your chosen area, as well as nearby school rankings.

Step 2: Visit More Than Once

Visiting a house once isn't enough to do a thorough check and also to see what the area is really like. Instead, try and visit two or three times, at different times of the day and week. If you're particularly unfamiliar with the location you might even want to try staying at a hotel or Airbnb in order to really see if you like the area. FULL POST

Posted 10/3/17 at 8:04 AM | Lynn Joesph

5 Financial Benefits of Consolidating your Debt

Multiple debts and huge monthly repayment installments can bog anybody down and drain the energy they need to perform at work. However, managing debt can become much easier through debt consolidation plans. Consolidating debt involves the use of different debt plans to combine several debts, payments or loans. For example, credit card users can put all their debts together in a consolidated credit account. Often, the holiday season gets most people toying with the idea of consolidating all their debt so they can make some savings and get out of debt. This is because staying debt free relieves you of a lot of stress. It also offers you important financial benefits as follows:

1. It helps you make some savings
Saving cash is one of the greatest benefits that debt consolidation offers. By putting debt that has a higher interest rate together with the one that has a lower interest rate, you are able to save hundreds, or even thousands of dollars each year. For instance, if you take the interest of a ten thousand dollar credit card debt and reduce it from 11% to something like 9%, you would be able to make a two hundred dollar saving each year. In some instances, consolidating debt can enable you to reduce the monthly repayment instalments, an aspect that makes it less strenuous to clear the debt. Cashfloat continues to provide responsible lending and extends contract with Callcredit. FULL POST

Posted 9/27/17 at 2:05 AM | Lynn Joesph

How to Show Compassion When Helping the Addict in Your Life

When someone in your life – like a parent, spouse, sibling, or friend – continues to choose drugs or alcohol over everything else, you inevitably reach a point where you become resentful, angry, and maybe even a bit apathetic. After all, if they continue to destroy their life, why should you have to sit there and deal with the negative repercussions their lifestyle yields?

The point is well taken, but what if you’re looking at addiction through the wrong lens? Your loved one’s addiction isn’t about you and your feelings. While you certainly get dragged into the mud with them, to make the situation about you is shortsighted and ignorant. The addict is the one going through the situation and to shun them is doing everyone a huge disservice.

What an addict really needs is compassion. At first, this may seem like a strange idea, but it’s actually the best thing you can provide.

Why Do Addicts Deserve Compassion?

In order to understand the role of compassion in dealing with addicts, it’s important that we start by recognizing the causal factors that often drive addiction.

Most people automatically jump to the conclusion that addicts are bums who have made choices to seek out self-destructive pleasures at the expense of relationships and responsibilities. In other words, they’re selfish, hedonistic individuals with a serious lack of willpower. But this isn’t usually the case. While it’s possible that you’ll run across an addict who fits this description, most addiction stems from one of two things: genetics or traumatic events. FULL POST

Posted 9/13/17 at 3:29 AM | Lynn Joesph

Costly and De-Motivating Common CFD Trading Pitfalls to Avoid

CFD trading leverage is a boon but only when right trades are made, but the scenario can be a disaster in case you get entangled in a losing position.

Everyone makes mistakes but when trading CFDs, it can turn out to be expensive. Traders entering the markets with high hopes, ultimately give up losing more money and feeling de-motivated.

It is crucial to take care and avoid the common errors CFD traders are inclined to make. With a little consideration, it is possible to stack odds more rationally, in your favor.

Common trading pitfalls to avert

Over leveraging
Over leveraging is one of the most frequent errors CFD traders experience. You cannot judge this aspect but it is a process, which includes defining the perimeter involving risk and reward. With CFDs, greed motivation can be destructive. Therefore, while exercising CFD trading absolute discipline is necessary.

While handling margined investment products, keep an eye on the exposure. Ensure that your risk is distributed and controlled for success. Composed and calm approach to risk is crucial or you can end up like veteran CFD traders because of their over-zealous margined trading approach. FULL POST

Posted 9/12/17 at 7:10 AM | Lynn Joesph

5 Tips for Teaching Children Personal Financial Literacy

As a parent, you have a lot more influence than you realize. However, as kids get older, you lose some of this influence as the momentum shifts towards peers and figures outside of the home. That’s why it’s absolutely imperative that you start teaching them smart principles as early as possible. In particular, you need to be teaching them about personal finance.

Having said that, it needs to be firmly stated that the basic tenets of financial planning remain
unaltered. They are as follows:
 Defining your financial goals
 Perking up your retirement savings
 Gathering financial data for planning
 Gathering relevant financial knowledge and tools needed for planning
 Implementing your plan and constantly monitoring it
 Creating an emergency fund and a plan for the future

Teach Your Kids to be Financially Savvy

In today’s day and age, it seems like financial literacy is increasingly rare among young people. It’s not very often that you run across someone who is 18-, 25-, or even 30-years-old and knows how to properly manage money, save, and invest. In fact, most are doing a pretty poor job.

Research shows that one in five millennials have yet to start saving money, while 30 percent don’t even have a savings account. Among those who do, an astounding 40 percent have less than $5,000 tucked away. More than half of millennials have nothing saved for retirement, while 40 percent worry about their financial future on a weekly basis.

Parents of millennials are partially to blame for these poor numbers. While the onus is ultimately on the individual to take responsibility over his or her own financial state, most parents haven’t done a good job of teaching kids financial literacy. FULL POST

Posted 9/11/17 at 1:03 AM | Lynn Joesph

Technology Can Bolster The Church – Within Limits

As a Christian community, our worship is rooted in ancient traditions, yet in an attempt to stay relevant, many churches have begun to adopt modern – and even outrageous – new practices. At Embassy Church International in Atlanta, for example, worshippers are treated to fog and aerialists, while many neighborhood churches have built up worship bands and introduced high-tech media displays. All of this has faith leaders wondering, when is it all too much?

The secret to using technology in worship settings is that less is more. Your choices should foster engagement, but technology shouldn’t be a barrier to engaging with God. It’s also beneficial if the technology serves multiple purposes in our community.

Supercharging The Sermon

Smartphones are a point of contention in many churches. They can be a distraction, ringing during prayers and interrupting the sermon, or they can supplement worship, allowing parishioners to quickly look up references or take a few notes. Regardless of how you think about smartphones in the pews, though, the reality is that everyone has them, so you might as well put them to holy use. And many churches are doing just that by adopting the YouVersion Bible app. FULL POST

Posted 9/2/17 at 7:21 AM | Lynn Joesph

How Blockchain Will Change The World of Modern Finance System

The Blockchain is the modern incorruptible digital ledger for the economic transaction programmed for recording all the financial transactions and everything of value. With the constant growth of ‘completed’ blocks could be added to the new set of recordings. Normally, blocks are added based on linear and chronological order. The blockchain is also considered as the backbone technology of Bitcoin. In fact, the Blockchain is the hottest as well as most intriguing technologies that are seen in the current market. Blockchain technology has raised up to 1900% with the rising of the internet. This ultimate technology has the potential to processes the democratic, transparent, and secure way. Global financial system has trillions of dollars moved a day with serving billions of people. Adding cost and delays through fees creates friction so it is necessary to switch through Blockchain technology to open up more opportunities. The blockchain accounting is highly suitable for the Entrepreneurs, Governments, Startup companies, Global Organizations, and Investors. Of course, the Blockchain data is consistent, complete, timely and accurate available so that it would easily save you more time efficiently. Of course, it would easily reduce and eliminate the counterparty risk without oversight or the intermediation of the third party. Each node in the Blockchain performs the separate task of validating as well as relaying the transactions based on finance. FULL POST

Posted 8/9/17 at 1:43 AM | Lynn Joesph

Can You Teach Coding without a Computer?

According to, students like computer science and the arts the most of subjects in school. Additionally, 90 percent of parents want their children to study computer science, but just 40 percent of schools teach computer science. Furthermore, 71 percent of all new jobs in science, technology, engineering, and math are in computer science, but just 8 percent of STEM graduates are in computer science. It’s obvious that there is a huge disconnect between what students, parents, and the job market want and what schools are teaching, as far as computer science goes.

An integral part of computer science is coding, the lines of code that create software programs that run our world. Computers are networked to do everything to manage our thermostats to turning our lights at home on and off remotely. Apps provide entertainment, information, and skill building. Computers and coding run medical devices that save lives and make life easier for millions.

There is no denying the importance of teaching coding. It’s not just enough to learn how to type and use Microsoft Office anymore, as it was in the 1990s. Students today need to learn how to code because it is just as important to understanding the world around them as, say, understanding math, history, or science. FULL POST

Posted 7/27/17 at 5:26 AM | Lynn Joesph

The best place to shop cheap international calling cards

From big organization affiliates to common people everyone would like to connect with their far away clients and family members accordingly to improve their base and set up themselves globally. We think that we are in a world where development in the area of technology is being launched with every passing minute. The telecom industry moved through many modifications also. Those days are gone when base phones were helpful to make calls. Now mobile phones have show up to make calls. International calls may also be made via these phones. But prices of making calls are pretty high. So it is recommended to begin upon the various actions to make intercontinental calls. Cheap international calling cards have appeared for decreased rates of long-distance calls. By no means, the telecom industry is looking to go towards the advantages of new technologies to presented new solutions to make calls at charge-efficient rates.

Inexpensive international calling cards are the most reliable way of making calls to your beloved ones. These cards are offered at every mobile phone shop. As, new developments and enhancements are moving concurrently, these calling cards are becoming more friendly to us. Calling cards are now obtainable on Internet also. Cards going to various places across the world are accessible to choose from. Callers can select one according to his/her need. Phone card sector has popularity in the market for being too long to fade away easily. So you can quickly rely on phone cards for your worldwide calls. You may use these calling cards for your mobile phones for making calls. Calling worldwide by utilizing cards is as easy as walking down the street. Just get the card and scratch to reveal the 11 digit code number. Caller can make call by calling this code number accompanied by location number. FULL POST

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