Lynn Joesph has been a freelance writer since 2005.
Posted 10/22/17 at 3:14 AM | Lynn Joesph
When it comes to not getting enough sleep, we can all agree that it’s not fun. Being deprived of sleep is something which no one wants to put up with, but a lot of people have to. However, what a lot of people don’t know is why people find themselves not getting enough sleep. So, what can cause sleep deprivation?
One of the biggest things which can create sleep deprivation is a significant amount of caffeine in the system. As you’re all probably aware, it is a stimulant and serves to provide people with a boost when they are feeling tired. However, it can take a longer time to leave the system than people would think. This means that you need to try and make sure that you avoid the drug for at least six hours before you plan to sleep. This will help to fight off sleep deprivation and ensure you get a good night’s rest.
One of the biggest cause of sleep deprivation is stress . We live in a world which can be very demanding, and it is all too common for people to get highly stressed and not in any position to get the right amount of sleep. When that happens, it’s important to try and reduce the levels of stress that you feel on a daily basis. We’re all exposed to stress, and we all feel like there’s no way around it, but you need to try and get rid of as much of it as you can. Your health has to be a priority, and if you don’t make it so then, you’ll find that sleep deprivation is all too common. You could try and learn how to put stress out of your mind and put it away when you sleep, maybe by visualising a box that you can put it all in and put the lid onto. FULL POST
Posted 10/6/17 at 9:00 AM | Lynn Joesph
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
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
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
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 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
Planning is the key to financial independence and a debt-free life. This has been propounded by financial experts for long. However, applying theories to your practical problems isn’t easy. Executing your plan requires passion, diligence and acuity of mind.
Today, you’re usually trapped in debt even before you have started to earn. With a social culture that promotes partying, shopping, dining and frequent holidays, staying debt-free is an obstacle that most fail to surmount.
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
Financial Planning Relevant to Today’s Times
The following are the logical steps to analyse and apply a financial plan to your life problems: FULL POST
Posted 9/11/17 at 1:03 AM | Lynn Joesph
The European Union has very tricky privacy laws. Many companies have been fined in the EU for violation of these laws and others are failing to adhere to the high standards. Well, WhatsApp is one of these companies. The messaging app had already received the first warning from the EU due to its “deficient” privacy practices under EU laws.
The updated policy allowed WhatsApp to share personal data collected through the app with Facebook. The changes were officially announced and users were given 30 days to consent or opt out. However, the EU data regulators feel that the 30 day period was not enough for users to make an informed decision.
The privacy practices applied by Facebook and other US-based companies have consistently been questioned by EU data regulators. Although you can still find the person you are looking for on the platforms, there are many issues at hand. Some of the key issues raised include online tracking of users without their consent. The EU has also taken issue with the use of personal data for advertising. FULL POST
Posted 9/2/17 at 7:21 AM | Lynn Joesph
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
According to Code.org, 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
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