For over two hundred years the American education system has been based on the right of all its citizens to an education. Through this guiding principle America has led the world to expanded education opportunity for women, oppressed minorities, and populations generally. As the world has come to embrace the American philosophy, America is abandoning this core belief and dividing education into the wealthy, who can afford education, and the rest of the country that will not be able to afford it.For several decades, American education was in retreat in the technical areas of science and engineering. To address these deficiencies, technical schools in secondary education and for profit colleges came into existence. They encouraged students not inclined to pursue additional education to enter technical fields and pursue higher education. Students that would not become engaged in a process of learning were suddenly involved. Students who could not make passing grades were suddenly making the A’s and B’s in vocational technical courses and for profit technical institutions.Today, these two areas of education constitute a growing number of successful students actively involved in higher education. Vocational schools and for profit colleges are designed to encourage students to become involved in technical careers, and are often structured without much of the liberal arts training that accompany traditional degrees. There’s been a longstanding disagreement as to whether students should be funneled into specific and very narrow technical educational streams, or weather all students should be forced to obtain a more generalized education designed to move them toward undergraduate degrees and eventually to graduate degrees.Although this disagreement has ragged for several generations, the effect of vocational training and for profit technical institutions cannot be denied. They have successfully moved a large segment of the population into technical careers very successfully. However, in recent months the department of education has begun to take issue with the success of the schools because they cannot guarantee that their graduates will be able to meet income guidelines created to show the success of American education of dollars that are being spent for these programs. Vocational schools and secondary education are being cut across the nation in response to the economic downturn our society is currently facing, and this policy of the department of education. Rather than address the more complex issue of how we can meld traditional, and technical areas of education into a single educational system, federal funding to provide vocational training and technical education is being slashed by the Federal government.At a time when the administration and the business community l recognize the need for a stronger commitment to technical education throughout the country, we are reducing the ability of students to obtain the education loans necessary to pay for their education because we have a fundamental disagreement as to whether there should be more general education in English, literature and the arts, and less a single minded focus on a narrow technical field. This seems to be an argument without merit since both have the single purpose of trying to educate the American public to be competitive in the marketplace of tomorrow. This is occurring at the same time that a recent study has demonstrated that the effect of a college education benefits all students whether it is in their field, general education, or in a narrow technical area. Rather than building on that premise to encourage students across the country to pursue higher education, our focus has turned to the ability of students to repay the loans to banks as the single determining factor as to whether the education was useful. The standard being put forward by the department of education does just that.It focuses their efforts on seeing that students can make enough money to repay the loans, rather than focusing on why education costs are rising so dramatically. Their focus is on making sure that students repay banks. With businesses making arguments that they need to import more foreign workers to meet the growing technical demand of high tech industry, we’re forcing American students out of the educational system as we argue their ability to pay back a bank is the single determining factor as to the quality of their education. This would not be so absurd if it were not for another of movement that is taking place in grade schools around the country today.For people who have money, there is a growing need for private preschools that are for profit in nature to prepare their children for the prestigious schools that select only a handful of American students each year. This for profit model for primary and secondary schools is becoming as popular in United States as it is abroad in countries such as Europe and Asia. Parents of wealth are quick to hand over as much as $40,000 a year to have their children placed in preparatory schools that will prepare them for prestigious colleges. Currently, a number of private investors are putting up as much as $200,000,000 to fund these types of for profit institutions. It is a growth industry that will find a burgeoning market place with in this country and abroad as the division between haves and have-nots in education continues to broaden.These parents have little faith in the public education system in this country. They are putting their money, and their children in the hands of for profit institutions that they believe will make them better able to compete in the highly technical world of tomorrow. As Madison Avenue at the American banking system find a new profitable market, they will exploit it as fully and as completely as they have the traditional American education system, to the detriment of the larger society. Education in this country is becoming a tool of banks and the wealthy and not what was envisioned by the founding fathers or the many men and women who helped create this country over many generations. It is no longer serving the public need and only looks to the needs of the wealthy, and the financial institutions whose profit motive is the single driving force for their existence.While the rest of the world is adopting the American model of an educational system that is the envy of the world, we are abandoning that system to move toward one that cannot serve the nation or the society. If we continue down this road our nation will be forever looking to the educational systems of other countries to provide the technological expertise, and the innovative thinking that will move the world and the society forward. In one breath the department of education for our nation is telling us that for profit institutions do not work and we must regarded with suspicion graduates at any college level from these institutions, while at the same time this same model is being instituted at grade schools and in elementary schools across the nation because there is a growing need for a better education system to meet the standards of tomorrow. However this growing need excludes much of American Society. If we follow this path it will only the wealthy will receive an education in this country.

This Toolkit for your Start-up Home Business outlines all the basic guidelines you will need to get your home business up and running. The goal is to ensure that you have all the relevant information and a structured approach in getting your business off the ground as soon as possible.Step #1 – Determine what type of business you want to get into.Business ideas and suggestions may come from many sources. You may have some ideas of your own based on your passion or you may recognize that there is a need based of discussions you have with others. A case in point, I recall when my children were younger we needed transport to pick them up from school (there was no school bus service). After discussing with a friend, he assisted us with picking up the children, and soon realized that there was a demand for such a service. There and then his new business was born.Step #2 – Research the business ideaIn the school transportation service example given above, my friend conducted an informal survey by speaking with other parents, he was quickly able to determine the demand for such a service and the potential revenue to be generated. Depending on your business idea you may be required to do a combination of both informal and formal research, but the goal is to gather as much information as possible that will help you to make an informed decision on the business idea.You may have several business ideas in your head and would have to make a choice on which one to implement. In making your choices consider the following:

The size of the market – in terms of customers, revenue and growth potential

Competitiveness of the market -how many businesses are already operating in that space?

Who is your target audience? If a market is very competitive, as a new entrant, you may want to probably look to see if there is a particular niche that has needs that are not being met by the existing suppliers and get into it.

What are customers looking for? (demand)

Where are the customers located?

How do you plan to reach them and serve them? (Your marketing strategy). More on this will be discussed in a subsequent article.

If you are not producing your own product or service, who will be you supplier? I will suggest that you identify at least three suppliers to give yourself more room to negotiate and get the best deals.

If you plan to import or export then you would have to enquire about licences with the relevant authorities within your jurisdiction.
Tip – Focus on the business idea that you are most passionate about. Because when things get challenging, it is your passionate that will give you the strength to stay in the business.Step #3 – Decide on your Business StructureSince the focus of this article is on home based businesses, the assumption is that your business structure will be one of either a sole proprietorship or a partnership. Notwithstanding that, I will still provide a brief description of the three typical business structures for setting up and registering a business.

Sole proprietor- this a business where there is a single owner. It is sometimes referred as a “one-man” business. You are the business and the business is you. As the owner of this type of business you have the responsibility for making all decisions. You receive all the profits and accept all losses.

Partnership – this is an association between two or more persons who joint themselves together to form a business. You can partner with relatives or friends or whoever. You and your partners contribute to the business equally and share equally in the profits and losses. A limited partnership may have some different arrangements in terms of contributions and profits and losses.

Corporation – a business structure, where the business has a legal identity that is separate and distinct from its owners. The owners of a corporation are referred to as shareholders. In some countries a corporation can be started by a single person. A key distinction between a corporation and the other types of business structures is that the owners (shareholders) have limited liability, in that they are not personally liable for the debts of the corporation. They share in the profit of the company through the receipt of dividends and stock appreciation.
Step #4 – Register your BusinessHaving decided on your business structure you will need to register your business name with the relevant authorities in your country. If you are a sole proprietor and you are using your name as the business name you do not have to register yourself, since you and the business are one. However, apart from that all business names must be registered.When you have a name in mind, you will be required to do a search of the data base of registered companies to ascertain that the name is not being used by anyone or company. Once your chosen name is available then you can go ahead and register it with the relevant government authority.Step #5 – Calculate your start-up costThe guidelines used here are focused on a home based business that may not have some of the typical expenses of a business operated outside the home. Calculating your start-up cost will certainly assist you in deciding how you will finance your business.

Start-up expenses- examples- business cards, flyers, promotional expenses etc.

Assets to be purchased- examples could include- desk, chair, filing cabinet, computer, software licences, printer, inventory etc.

Ongoing monthly expenses- example website hosting fees, other online fees and charges, subscription services fees, business telephone, advertising expenses, distribution cost etc.
Tip – multiply the monthly expenses by six (6 months), since it may take approximately six months to breakeven or realize a profit.

Add the figures in 1+2+3 to get your total start-up cost
Step #6 – Forecast your RevenueTo calculate your breakeven revenue – divide your ongoing monthly expenses by the number of business days to get your daily revenue. Anything in access of that is your profit.Step #7 – Prepare your Business PlanIt is good to prepare your business plan before seeking financing, even if you are self-financing. Your business plan is your road map showing your business vision and how you will get there. The key elements you want to cover in your business plan are as follows:

Business Concept- Description, vision and mission, goals and objectives

Operations and Management- Owner background, location, staffing, inventory, suppliers, delivery and distribution etc.

Marketing – products and services, customers, competition, pricing, promotion and advertising etc.

Financing- assumptions, operating expenses, asset requirements, operating expenses, sales and revenue forecast etc.
Step #8 – Get Financing for your BusinessJust to re-state the focus here is on the sole proprietorship and partnership business structures. Depending on your business structure and the size of your business, there are many ways that you can secure financing:

Personal Savings- you may have adequate personal savings set aside to start your business. In a partnership, partners would contribute to the financing of the business based on the partnership agreement.

Line of Credit- you may have a decent line of credit from you bank which you can use to finance your business.

Credit Card- depending on your credit limit, your credit card could be a good source of short term financing. The interest rate on this could be very high.

Borrowing from friends- to supplement your personal savings you may borrow from relatives or friends

Institutional Borrowing- you may approach a financial institution (bank or credit union) for business financing, and this is where your business plan will come in handy. Your financial institution would only lend you money based on a solid business plan.
The above are the basic tools required to get your home business started. Have fun utilizing you toolkit and best of luck with your business venture.Additional note for those who are getting into Import and ExportGet familiar with these shipping terminologies

Free on Board (FOB) – The quote reflects the cost of the goods plus the cost of loading them on the ship or plane. The supplier handles all customs export formalities at the loading port. No insurance or freight is included.

Free Along Ship (FAS) – The seller is responsible for delivering the goods alongside the vessel at the agreed port of shipment. It is the buyer’s obligation to clear the goods for export and must also absorb all costs and risks of loss or damage from that point on.

Cost and Freight (C&F or CFR) – The price quoted include the cost of the goods and the cost of the ocean freight to transport the goods to the agreed port.

Carriage Paid To (CPT) – Seller absorbs cost of freight for the carriage of the goods to the destination. The seller clears the goods for export.

Cost Insurance and Freight (CIF) – The seller pays for the insurance coverage of the goods up to the time they reach the designated port of entry.

Delivered Duty Unpaid (DDU) – The seller is obligated to deliver goods to the named place in the country of import. The seller absorbs costs involved with bringing the goods to that point (excluding duties, taxes and other charges)

Delivered Duty Paid (DDP) – The sell absorbs all the DDU costs in addition to the duties, taxes and other charges of delivering the goods to the destination.

Micro Finance Banking is extension of standard banking facilities to those doing small scale businesses, those living in poverty and those inhabiting rural areas without demanding collateral.In finance, collateral placement is a visible barrier inhibiting people from accessing funds from concerned institutions. This hinders the enterprising exploits of those living at poverty levels and small scale business people who in most cases do not have properties that can stand as collateral.Micro Financing is the only available option for individuals at such level to kick start their business ideas.It sounds out of place for the average financially educated to extend loans without collateral but for those at the bottom of the pyramid, the poor and semi poor, it is sine qua non. Grading their credit ratings and abilities will never be a herculean task as most of them live in the same community and are totally accessible. Most often, the women who form the fulcrum of the communities are best channels of fund distribution.These people who obtained such small loans are eager to implement their business ideas and maintain their source of funding as there are lesser options available to them. In most cases, the loans demanded by these people are small in nature, thus they can easily repay its interest payments and that of the capital.For individuals and institutions offering such services, it will be an added advantage if more education and counseling is offered to their respective clients to improve and fortify their financial knowledge.Micro credits facilities aimed at empowering the poor especially the women and those domiciled in rural areas is pivotal to creation of small scale industries thereby jump-starting the economy while pulling the machinery of industrialization. When those living at poverty level are empowered, poverty is alleviated if not eradicated.Those involved in provision of these brand of services do not operate like or compete with conventional banks. This is solely because they are totally at variance in their aim, objectives and modus oparandi.

These days local map optimization has been grown up as the buzz word in business community. No matter whether you have any virtual presence or not, being listed in local maps can offer significant benefit in driving local buyers to your business place.Though all major search engines like Google, Yahoo and Bing offer local map listing opportunities, and listing to each of them is really important to gain more exposure for your business, but in this article today, we will mainly focus on the current trend of local search and how Google map optimization brings positive impact to your business growth.Shifting TrendGone are those days when people sit back and read yellow pages to find information about local companies. These days they mostly depend on Internet to search for local businesses. It’s not just convenient, but it is easy to get the most updated and accurate information about local companies and their services.According to answer.com, it is estimated that nearly 300 million people use Google every day and Google logs nearly 2 billion searches per day. Quite a B-I-G number, isn’t it? Google Places is the new face of Google maps marketing that dramatically changed the surface of search marketing strategy.Today, it’s not just displaying results against keywords, when it comes to Google map optimization, but significantly altering the structure of conventional organic optimization method. Since map listing is more universally present in local search, the end product of general marketing strategy demands an elemental reallocation. This is why a new discipline, local map optimization, takes place as the critical and one of the most dominating components in the local SEO techniques.Impact on BusinessBusiness owners, on the other hand, take the advantage of it. Most interestingly, when you count on Google map optimization, you can dominate your competitors without really paying for that. This is why more and more business owners are taking interest in Google map optimization.According to the survey conducted by StatOwl.com, search engines market share of Google is 81.14%, which is definitely quite an impressive number compared to other major search engines like Yahoo (7.46%), Bing (8.07%), Ask (1.74%) or AOL (1.57%). It is also estimated that 35% of all online searches are happened to be local search, 61% of local searches are converted and 73% of online activities lead to acquisition of local content.So, if you count on the above statistics, you can easily imagine how important it is to get rank on Google Places. Whether you claim or create listings in Google Places, it drives two major benefits -(1) firstly, it sends signals to the search engines that the updated and accurate information about a business is obtained;(2) secondly, it offers the owner (claimer) the opportunity to outrank his competitors by optimizing business listing for targeted keywords and geographical locations.Therefore, as you can easily understand that Google map optimization technique (along with map optimization for other major search engines) offers businesses an all new surface of promoting their products or services in the marketplace, it is important to take action as early as you can.

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. 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.

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

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:

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!

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.