Home Authors Posts by Dana R

Dana R

"You can have everything in life you want, if you will just help other people get what they want."


This fall, younger moviegoers will have the opportunity to learn about a strange time in the already-strange 1970s.

The oddities of that decade go beyond style, music, and politics to a brief resolution of the eternal question, “Are men naturally better tennis players than women?” To your surprise, the answer may not be the same as the answer to, “Am I eligible for Traffic School?

Older viewers of the film “Battle of the Sexes” may enjoy the reminder of a moment when this question was answered “Not at all,” when the top women’s tennis player at the time, Billie Jean King, soundly defeated former great Bobby Briggs in a very public spectacle.

That may have settled the ‘girls vs. boys’ question for a few years, but the battle continues today on other fronts.

For instance, there is a definite question about whether male drivers are better than female drivers.


Insurance companies aren’t much help. Or maybe they have too much data to deal with. Or maybe it truly is complicated and people will believe what they want, regardless of statistics.

But generally, men are known to be more aggressive on the road and women are generally less so, although this doesn’t necessarily factor in age, race or environment.

Both genders have varying rates of accidents, but because men tend to take more risks, they sustain a higher rate of damage or death behind the wheel. They are also more likely to be at fault in an accident.

In their defense, men, generally do have more knowledge of the limits and performance of their vehicles, so are less likely to have rollover accidents than women.

Women, however, do have lower rates of insurance and are less likely to get tickets than males. But they are more prone to having more accidents, especially at intersections. Though these are at lower speeds, they can still be fatal, driving up the statistics on the women side.

Does this mean that one gender needs to find an online traffic school right away? Not necessarily.

Some studies show that some people are better drivers simply because they think they are. If you believe that your gender, and especially you, are a better driver than others, then you may convince yourself this is the truth and drive better.

This may be the key to success working with a driver who makes you scared or uncomfortable. Rather than saying, “you need to drive more like a boy” or “you need to drive more like a girl” and having to define this statement by giving specific examples, you might have to consider more of a general statement like, “I know you can do this because you’re a great driver and a credit to your gender.”

Warning – just saying this may cause the person to automatically hear, ‘they like my driving so I don’t have to change a thing.” So, you might have to find ways to diplomatically offer suggestions for improvements without sounding like you’re being critical (or ‘mansplaining’).

One suggestion is simply to provide more practice – if one person routinely drives and the other routinely is a passenger, there might be some nervousness when the roles are switched. But the more someone practices, higher their confidence behind the wheel will grow along with the ability to perform well.

If a spouse/partner doesn’t want to provide this one-on-one education, drivers can consider trying a refresher through a ca traffic school, where they can learn more advanced techniques or driving methods.

The main takeaway with either gender is to focus on staying as safe as possible, which includes always wearing your seatbelt and refraining from texting, eating or other distractions.


Starting a new business requires a lot of groundwork. If you don’t create a stable foundation for your company, it’s difficult to keep track of all of the small details and tasks that need to be done to keep your business afloat. This is why it’s important to create a business plan. A good business plan gives you an outline to follow while building your business and helps you stay on track. To succeed, make sure you include these elements in your business plan.


Financial Considerations

You can’t accept payments from clients or customers unless you have a payment system and plan in place. It’s important to choose a global payment system, like BlueSnap, that integrates with your eCommerce platform and allows you to accept payments from around the world.

Additionally, you need to open a business bank account, find reliable accounting software, and develop a plan to determine how money flows through your company. You need to determine what percentage of money should go back into the business, what percentage you need to save, and what percentage goes into your personal bank account. It’s also really important to have a financial disaster plan in place so you know that your business won’t be impacted by unexpected events.

You need to keep a running tally of the money you need during the startup phase of your business, especially if you don’t plan to use loans or have investors. Include an estimated summary in your business plan, and adjust the amount of money dedicated to specific projects as your business grows.

Growth Goals

To scale your business, you need to plan for growth. This means you need to have outlined goals for each month, quarter, and year. When creating your goals, it’s important to be realistic. For example, you don’t want to set a goal to release an in-depth product within the next six months if you don’t have the time or funds to complete the project. Keeping your business goals simple and realistic allows you to stay focused on important tasks that help your business grow. However, it doesn’t mean that you should chuck all of your ideas out the window. Keep a list or file filled with ideas to implement in the future, and each time you set a new goal, review your ideas to see if any of them are feasible.

Digital Marketing Expectations

Digital marketing can jumpstart your business if it’s done correctly. So include a detailed digital marketing plan that details your overall goals and objectives within your business plan so you know exactly what needs to be done and you have a plan to accomplish your goals. Some things to consider include:

  • What platforms to use when marketing your business — instead of jumping in head first, take the time to build each platform slowly so you really connect with your target market.
  • What type of digital marketing you plan to use — do you want to use paid advertising, content marketing, or a combination of both?
  • What type of team you need to put in place to accomplish your marketing and sales goals.
  • Your marketing budget — if you have a tight budget, consider starting with low-cost options and working your way up to more expensive marketing tactics.

Building a business isn’t easy, but the process grows a lot smoother when you’re prepared. Create a detailed business plan that helps you establish working procedures and defines your business goals to keep yourself and your employees on track.


Office leases vary from city to city, and the laws regarding them do also. Getting yourself an office for your business is a big step, and thus requires a lot of consideration. First of all, you’ll need to know whether you can expand, and secondly, what expansion is going to take out of you. Below are a few of those important considerations that absolutely need to be thought out at length, usually with the entire company in mind.


Image Source

Whether the Space is Big Enough

This is the main concern for obvious reasons, yet there’s a great amount of variance in why. For example, if you need to hold a meeting and your table isn’t big enough to fit everyone who needs to be there, can an event furniture rental fit in more items for you?

Of course, this is a small consideration compared to the other elements: the rentable space inside your office may come to a lot more than you originally thought, as each square foot is taxed by the landlord.

Also be sure to consider where in a building you want to be. The ground floor has walk in privileges, and the top floor has the view. Usually, the ground floor will have a higher taxable rate, so weigh up whether or not that will be a good investment.

Whether You Can Keep Up with the Costs

This isn’t only the rent each month, but the maintenance and utility bills that you’re going to incur. Knowing who has to pay for what is integral to bypassing any extraneous costs that you did not know you agreed upon when signing the lease. If the lease lasts longer than the usual year, you may be in for a downfall if you find yourself in a situation like this.

To make sure you aren’t accosted by extra expenses, have an agreement set out with a landlord from the beginning, of everything you would have to pay for. Anything that they can claim back when it comes to garnering money out of you should be defined by the law and not whimsical means. It means you won’t have random bills slipped through your door when the landlord needs the money, and you won’t be down in your profit due to this kind of manipulation.

When it comes to the rent cost, this can go up and down depending on how long you plan to stay, and where you are situated. Knowing why your rent may go up is a good preliminary step to take, and therefore calculating your taxes and expenses in advance will give you a good baseline on how much is needed to set aside.

Commercial real estate has both benefits and drawbacks to it, and with the rising inflation across the world, you can never be sure if the rent prices will be up or down. Do your research, get the lease length you know you can keep up with, and let your business growth soar as a result.


If you’re a gamer, it makes sense to want to know a little more about how games function and why they’re so successful and getting us hooked. No one wants to feel like a lemming that gets easily trapped in the need to keep playing and coming back. But anyone who has ever played games will know that we all do that. So, how does it happen? Here are some of the factors that are most important in keeping is coming back for more.

Simplicity and Complexity

Once we feel like we’ve mastered the mechanic of the game, we want to push further or even learn even more about it. Some of the most simple games actually have the most to learn. For example, fighting games are simple on the surface. Two in-game characters fight each other until one wins. But there is a huge range of combos and moves that can be learned. So, the simplicity draws people in, while the complexity keeps them coming back.


Rewards are often given in games. This can happen in many different ways. For example, if you continue playing through a game, you will often unlock new things that allow you to do new things and get more mileage out of the game. Then there are the more overt examples of games that give out rewards for winning, such as Unibet roulette. These all work on the same basis. We want to win and be rewarded, and that makes us want to keep playing.

Going One Better

High scores have long been features of gaming, and this goes all the way back to Pac-Man. It’s a great way to keep us coming back because we can see how well we did last time and how well we might do if you just give the game one more try. And then one more, and one more. It’s no surprise that so many very simple games have lasted a long time and remained popular when they use this basic technique.

Image Source

Social Connections

For many games, it’s our need for social connections that keep us coming back for more. Large online multiplayer games can feed our need to interact with other people and make connections. They simulate that social interaction very well. And these days, most gamers use gaming as a tool for socialising with friends. They play games together and talk to each other via microphones and headsets.

In-Game Leveling Up

Studies and research have found that games that have a leveling up mechanic build into them are much more successful at getting us hooked on the gameplay. If we’re a level 1, we want to become a level 2. And if we’re a level 78, we want to be a level 79. And on it goes. You can see this in expansive video games like Skyrim, Destiny and World of Warcraft. We want to feel like we’re getting better and continually pushing on to the next level.

Video games keep us coming back for more, and now you know how. If they didn’t, we wouldn’t spend so much time playing them.

In today’s world, “brand-building” has become a big term in the marketing sector. Although defined broadly, brand-building is basically about making your product or service line more appealing and attractive to members of the target audience by creating consistent images and ideas around it. This marketing strategy is important because it increases the likelihood that members of your target audience will remember specific details about your product line. Once this happens, they’re more likely to buy your product when given a choice between your brand and a line they’ve never heard of. Digital advertising can play a big role in the brand-building process because it makes your company increasingly visible in the online world. Luckily, there are hundreds of digital advertising techniques you can deploy to make this happen. Here are some of them:

Image source Flickr

Social Media Marketing. 

If you’re serious about optimizing and accelerating the brand-building process in the online domain, get serious about social media marketing. This form of marketing can help you share your brand in a dynamic way because it enables you to connect with people in a casual, light-hearted manner through social channels like Instagram, Twitter, Facebook, LinkedIn, Pinterest, and much more. Another big benefit of social media marketing is that it empowers you to enhance your level of communication with the audience. For example, social media marketing enables you to speak directly with your prospect or client through channels like Twitter. At the same time, a good social media optimization (SMO) campaign will enable you to develop ongoing, back-and-forth communication with the client, thereby putting the relationship-building process in full swing.

An example of a social media marketing strategy you might deploy is Twitter polls. Twitter polls are important and effective because they enable you to learn what the target audience thinks about one or more of the products/services you offer!

Web Design And Development. 

Web design and development is still one of the most important components of a solid brand-building campaign in the digital domain. Site development is important because there are now thousands and thousands of websites flooding the internet. As such, you need to maintain an entertaining, information-rich, or otherwise compelling website to ensure that your organization catches the attention of the individuals who may be interested in your brand. Good web developers possess the knowledge, open-minded attitude, and diverse skill set necessary to put together compelling content, intriguing images, and all of the other site components that set your website apart from what your competitors have constructed. Also know that companies such as 1shopping cart will provide you with ecommerce shopping cart software to help shorten and simplify the client’s experience of selecting products and checking out!

Online Reputation Management.

In addition to tapping into the power of web design and development, make sure that you incorporate online reputation management (ORM) into your digital advertising campaign. ORM is essentially about implementing customized strategies that will limit negative feedback about your brand in the online world. This marketing strategy is immensely important because when numerous people say negative things about your products or level of customer service, you can experience a significant decrease in your conversion rates. This is not what you want, and a good digital marketing team will work with intelligence and expedience to prevent it from happening. One ORM strategy that a digital marketing firm might deploy to ensure that your organization maintains a positive, dynamic online image is asking satisfied clients to write reviews of your brand and post them through internet mediums such as Yelp!

Content Optimization.

Online content is still one of the most important components of the digital advertising process. Specifically, people go online and read through the content about specific brands so that they can develop clear concepts of what certain products and services are all about. If you have compelling, information-rich content that really shares your brand with online audiences in a dynamic way, you can almost count on building a bigger internet audience and experiencing a substantive increase in your conversion rates. Hiring the right team of content writers is the simple key to success with this process, and hundreds and hundreds of digital marketing firms now employ individuals who have extensive experience in this sector.

Start Growing Your Company Online Now!

Four digital strategies that can build your brand in the online realm include social media marketing, web design and development, online reputation management, and content optimization. When you’re ready to really push your brand forward in digital space, begin incorporating these techniques into your marketing plan.


Photo Credit

When people talk about expats, images of the retired often spring to mind. But there are plenty of reasons why people may move to another country at any point during your life. Embarking on a journey to another country can be extremely daunting, especially if you’re used to having lived in your country of birth for the majority of your life. You can move to almost anywhere you please and the place that you are used to or have been raised in may not be the location that your personality is best suited to. So, always bear in mind that the world is your oyster. There are 195 unique countries out there, each with their own pros and cons. But there are certain countries that retain popularity for expats year after year. Belgium, Malaysia, Japan, Australia, New Zealand, Canada and Hong Kong all prove amiable choices for various reasons. But for now, let’s focus on Singapore. After all, this area’s benefits are reflected in the soaring prices for expats. According to the Economic Intelligence Unit’s (EIU) latest league tables, Singapore has retained its position as the most expensive city in the world for expatriates for the fourth year in a row. Here are a few reasons why this investment is entirely worth it!

Picture Source


Singapore is densely populated, so most accommodation is relatively small and majoritively takes the form of high-rise apartments or condos. So, if you are looking for a large family home with a garden, the inner city probably isn’t the place for you. However, you will have more luck in the suburbs. If you’re happy living in a smaller space and frequenting the numerous green spaces that the city has to offer rather than confining yourself to a private backyard, then you could easily fit right into the inner city. There is plenty of housing available, as tower blocks and other highrise developments spring up around the entire city. If you want a privately owned property, you will be able to find one. These increasingly have access to pools, gyms and function rooms on site. Rent is typically high, as land is high demand, especially in the city centres or desirable neighbourhoods such as Orchard Road and Holland Village. However, you can lower the cost by making the most of an HDB (or government owned) property. For more information on hdb resale price, check out this page of Singapore property news.


High costs of living in this Singapore fall down to more than high demand on space alone. The island has surprisingly low crime rates, making it an extremely safe place to live. Though there aren’t all that many police officers and police cars about, you can feel comfortable walking the streets. In the whole of 2016, there were just over 30,000 crimes committed by a population of more than five million and the majority of crime in the area remain commercial offences over the internet. Already low crime rates concerning violent or serious property offences, housebreaking, theft, and unlicensed money lending harassment have decreased, and risks of terrorism are some of lowest in the world. One area of safety to watch out for is road safety, as pedestrians and cyclists do not have right of way on the roads. You should also use dedicated crossings to make your way from one side of the road to another. Bear in mind that cyclists may use the pavement and as pavements are often narrow (for the sake of sparing space), you should be extra wary when walking. However, Singapore are trialling new safety measures, such as flashing pavements at crossing spaces.

Health Care

Healthcare in Singapore is astounding. It ranks sixth in the World Health Organisation’s ranking of health care systems! It largely falls under the jurisdiction of Singapore Government’s Ministry of Health, which places strict rules on compulsory savings, subsidies and price controls in order to ensure that it is accessible and affordable. Sadly, there is no free healthcare system, so you will have to pay for treatment, however, this is mainly to reduce overuse of the healthcare system rather than being instated purely as a means of profit. If you have the means available to you, you can make use of the completely private sector in Singapore, which will reduce waiting times for surgery and other procedures dramatically. All in all, any healthcare experience that you may have in Singapore is more likely than not to be positive.


As aforementioned, you should be wary when cycling or walking in Singapore. However, the road networks and public transport systems are extremely well developed. Public transport is surprisingly cheap, and new links are being regularly built. Taking taxi cabs is also an affordable option. If you plan on driving, you are looking at spending more cash. There are heavy customs fees, high taxes and insurance generally cost a lot. To add to this, there are high parking fees and toll charges. However, with the brilliant public transport available, this isn’t absolutely necessary and could just be seen as an optional extra.


Image Source

Things to Do

There’s a multitude of things to do year round in Singapore, so whatever your tastes or interests, there will be something to please you. If you’re into art, the state has a national art week in January, consisting of over one hundred individual and distinct events including art fairs, gallery openings, art walks, and interactive exhibits. Specialist talks inform you of Singapore’s art history as well as the direction that local art is taking in the present day. Other cultural days out can see you immerse yourself in nature. Singapore’s Botanic Gardens are a UNESCO world heritage site and rightfully so: over 60,000 plant species make it a paradise for anyone in touch with nature and the natural world. The orchid gardens are beautiful beyond belief and there are rubber seedlings that have come on leaps and bounds since their transportation to Singapore from London’s Kew Gardens. Occasionally free concerts are held in the park too! If music is more your thing, you may want to check out ZoukOut, one of Asia’s largest music festivals. This expansive outdoor beach party draws DJs and music fans from around the world and is commonly referred to as Singapore’s biggest party. Techno, trance and hip-hop combine to put together one of the most exciting weekends you could wish to be a part of. For partygoers, the city’s nightlife is amongst the best. Zouk (the club which inspired the name of ZoukOut festival) is Singapore’s central nightclub and revellers can’t seem to get enough of it. If you prefer alternative sounds, head over to hipster bar Blu Jaz Cafe in the Kampong Glam Area. Upstairs you can find hip-hop, jungle and unique events. More casual drinkers who want a tasty beverage in a more laid back atmosphere have a whole host of options too. Bespoke cocktail bars are springing up around the city. Some require reservations, while others are more relaxed, allowing you to walk right in, so always call up before heading out to reduce chances of disappointment or being turned away.


There are numerous festivities throughout the year in Singapore. Chinese New Year is one of the biggest and falls early in the year, between January and February (as it runs on a lunar cycle). Many individuals celebrate by meeting up with family and friends for steamboat dinners and offering loved ones ang boa (red pockets containing money). There is also an annual celebration called River Hongboa, which is an exciting festival held on the floating platform at Marina Bay. The Chingay Parade, filled with stilt walkers and other costumed performers is also one to watch out for. Later in the year in September, the mid-Autumn festival sees people gather together to celebrate the harvest by carrying lanterns and eating traditional mooncakes. If you’re a big fan of Christmas, don’t fret. The event is just as big in Singapore as any other celebration. While there’s no chance of real snow and reindeers are highly unlikely, but you will definitely be able to get plenty of gingerbread, mulled wine and other festive treats at the city’s Christmas Wonderland. This beautiful array of over 20,000 lights is set up near the world renowned Garden by the Bay draws in around 1.6 million people visiting the event each and every year. An astounding ice palace is home to a rink and has a snow playground too! So the region’s warm and humid weather won’t stop you from getting your dose of frosty fun. These are just a few of the varied holidays and festivities. Singapore is extremely multicultural, so there are many more celebrations to be experienced!

As you can see, Singapore has so many benefits. It’s not surprising that so many people place it top of their list of places to live. Its rich culture, history and constantly expanding and improving structure see it becoming highly desirable. So if you’re considering a move, start looking sooner rather than later.


If you are a fan of walking, you might be well aware of the many possible dangers of doing so. No matter where you are walking to, or even if you just like walking for the sake of it, you need to make sure that you are considering the safety aspects of it at all times. If you do not, then you might well find that you are the victim of an unfortunate circumstance. Every day, there are walking injuries and accidents the world over, and much of it is the result of a lack of awareness about the best way to avoid such a thing occurring. In this post, we are going to look at some of the rules of walking in safety – no matter where you might be walking to or from.

Image Source

Face The Traffic

If you are walking alongside a road, you should always face against the flow of traffic. This is important for a number of reasons. For a start, it obviously means that you can see any oncoming vehicles, so you can be more likely to move out of the way if they are coming towards you quite fast. But it also means of course that they can see you more easily, and this means they are more likely to get out of the way in time. Both of you can take evasive action much more swiftly, and that could even save your life one day.

Walk Single File

If you are walking in busy areas or near roads at all, it is always best to walk in single file. This makes a difference in a number of ways. Most of all, it ensures that you are safer as a group should any vehicle come around a sharp bend or corner at a high speed. Drivers will not expect to see you walking hand in hand with someone, and it is more likely that it will cause a crash, so you should try to ensure that you are single file for as much of the roadside walk as possible. This will ensure that you are all as safe as possible, and then after you have got past the road you can walk side by side again.

Image Source

Wear Reflective Gear

While this is particularly important at night, it is also fair to say that it is almost always a good idea anyway. If you wear reflective material, everyone will be able to see you much more easily, and this will mean that drivers and other people alike will have much more of a chance of getting out of the way in time. At night this is especially important, but even during the day wearing high-visibility gear is going to make a difference to how likely you are to go unharmed. There is another important reason to ensure you wear the proper gear at all times. If anything happens and you find you need to get in touch with pedestrian accident lawyers at Kelly & Soto Law, you will also want to be able to show that you were upholding your own part of the safety laws.

Use A Flashlight At Night

If you are walking at night, you must make sure that you don’t go out without a flashlight. Even if the area you intend to walk is littered with streetlights, having your own source of light is going to make a huge difference. The more powerful, the better, but you also need to think about where you are showing it, especially if you are walking along a road. While it can help drivers to spot you more easily, you need to make sure that you are not doing anything to shine it in their eyes, as this can actually very easily cause a crash. As long s you are careful with it however, this is one of the most important items you can possibly carry with you as you go walking at night.

Image Source

Keep Your Senses Open

You need to do everything you can to stay as aware of your present situation as possible at all times. This means not drowning out the sound of the world with earphones, as you cannot then hear approaching traffic around bends and so on. It also means keep your eyes peeled – and unless it is inordinately sunny, leave your sunglasses at home. The more aware you are with all the senses, the more you will be able to remain safe and well while still enjoying your walk as much as possible.


Debt is a dirty word to a lot of people. In our personal lives, when we think of debt, we think of how to get rid of it as soon as possible. However, in business, you’re playing a financial long game. Sometimes, taking on a little debt is necessary for the long-term financial health of the company. So, how do you live with debt without taking over your life?


Photo Link

Always have a reason to borrow

Businesses should not be regularly using credit cards for small expenses. It’s an easy way to get caught in a debt trap if your finances take a sudden nose-dive. Rather, all use of credit and loans should be specifically aimed. Reasons to take out a loan include expanding with new real estate, purchasing equipment and inventory, and even to get through periods of poor cash flow. Don’t borrow unless you know exactly why you’re borrowing.

Photo Link

Budget for it

When you borrow, make sure you take very careful note of it. Immediately start budgeting for the payments you’re going to make back, and know how your debts balance with current income and cash flow projections. They should always be on your mind, in part. Otherwise, it’s easier than you think to lose track of them, rack up interest, and get in a dangerous situation.

Photo Link

Keep your credit healthy

The better your credit, the better the terms you can expect from loans. However, many people go into business with a line of credit that’s already unhealthy. What are they to do to get back on top of the situation? For one, small business loans for bad credit won’t only help you get the funding you need when you need it. Successfully sticking to the terms of the agreement can help you start building a credit history if you don’t have one, or can improve your score. That will make more favorable loans available to you in future.

Photo Link

Be responsible

It sounds like a given, but the truth is that unless you start learning the habits of responsible credit use, it’s easy to very irresponsible instead. For instance, use accounting software instead of keeping sums by hand so that the figures are always easy to track. Enforce spending limits on any cards you use. Document a spending policy for employees to follow to avoid charges going where they shouldn’t. Most importantly, keep it very strictly business.

Photo Link

Strategize for reductions at all times

Part of living with debt is being aware you have to constantly make moves to reduce it, especially if you use it often. Beyond budgeting to a repayment plan, this might also mean being aware of tools like debt consolidation to help you get more favorable repayment strategies.

Smart borrowing, realistic expectations, and debt-reduction strategies are going to help you be a lot more financially flexible. You’ll be able to invest when otherwise you couldn’t and survive tough times that would otherwise sink you. There are plenty of perks to sharing a business with debt from time to time.


Beauty trends often have a tendency to come and go. At certain points, women become interested in breast augmentation usually to enhance their looks. At other times, women become focused on radiating beauty through better health. With the latter point, women take Nootropics, like this one here https://corpina.com/adrafinil/, to display greater wakefulness, alertness, memory, and improve their beauty sleep.

As we mentioned, beauty trends are always changing, so you have to keep on top of them in order to keep up with the times. There were many wonderful trends taking place during 2017 that will make you feel beautiful and we’ll certainly see new ones as we move into 2018.

Today we’re going to look at the most popular trends of 2017 so you can finish up the year on the right foot. Let’s dive in without any additional delay.


No Blow Dry Hairstyles

The no blow dry hairstyle has made a comeback in 2017. Many women are rejoicing since using their hairdryers while styling their hair can be quite tedious and damaging to the hair. So they happily embraced this trend and technique. Not to mention how happy they are for not wasting as much time and effort to style their hair as they used to.

In fact, many women today are now just using a dab of styling cream, putting it in their hair and giving it a little twist. This is an amazing, attractive, and wonderful style so many women have finally adopted this year. It’s a trend most women hope continues into 2018 and beyond.

Glitter Lipstick


This exciting, fun, incredible fashion trend is certainly not for the faint of heart and it’s understandably not going to be for everyone. But glitter lipstick has taken the world by storm in 2017 and it’s an exciting trend seems to have caught the public’s eye.

What’s the deal with glitter lipstick anyway? For starters, it’s a lot of fun to wear this lipstick when out on the town. There’s nothing like having sparkly lips while in the club, walking down the street and catching the eye of everyone that passes you by.

Are you looking for a good excuse to try out this look? Plan a night out with your friends to go clubbing and give it a whirl. You’ll be pleasantly surprised with the way it looks. So many people thought they were going to hate glitter lipstick, only to fall head over heels in love with it in the end.

Metallic Nails Made A Huge Comeback

In the past, everybody loved metallic nails because they looked new, interesting, exciting, and savage. Then, suddenly the trend disappeared. Now it made a huge comeback because trends have a tendency to come around, and usually they come back with a bit of a twist.

The interesting thing about the metallic nails today is that they aren’t typically one colored. You may paint your nails with one metallic shade on the sides or the very tip and fill it in with a different metallic color.

No matter what, just go nuts but make sure you’ll love what you’re looking whenever you see your nails. If you follow these guidelines, you’ll have gorgeous metallic nails and you’ll be the talk of the town in no time at all.


Beauty trends are constantly changing and certain things have switched up in 2017. Some old styles have made a comeback and new styles have taken the spotlight. Use this brief guide to try out some of today’s hottest beauty trends and see if they’re a good fit.


These days, it seems like you can’t have a financial conversation without meandering into the debt topic. It’s a hot topic for sure, as it is something that plagues more and more people everyday, especially with the rise in credit card usage.

Often, when we hear or read about loan consolidation, whether on a tv commercial or in a magazine, we don’t necessarily know the context surrounding such consolidation. It might just sound like some far away idea you’ll not ever have to grapple with. But, as it turns out, with things such as student debt, house payments, and car payments you might find yourself having to run into the debt consolidation solution.

And this is why it is important to educate yourself on the basics of debt consolidation, what you can and cannot do, what you can expect, and how you can easily get started might your situation demand it.

So, to help with your debt elimination journey, here are 5 basic facts on debt consolidation you need to know about.

1. There are secured and there are unsecured loans

There are usually two basic types of loans: secured and unsecured loans. Secured loans simply means that once your loans are established you use an asset like a car or a home as collateral in case you happen to fail to pay your loans. Unsecured loans are higher risk and are based on your credit history more than anything else.

2. If you consolidate your debt it also means you’ll get a new lender



The way debt consolidation works is through a middle entity, of sorts. You contact a debt consolidator, they work out a plan with you, then they turn around and ‘negotiate’ with your original lenders for a new rate. This means the new entity you are doing business with to consolidate your debt might also be charging you fees and expenses for their consolidation services.

That is, unless you choose the non-profit debt consolidation route. It’s important to know that most efficient debt consolidation doesn’t come as a free perk and you have to make sure you calculate how much debt consolidation fees you’ll add up in the long run.

3. You can’t actively accumulate debt and be able to consolidate

This makes sense right? But not a lot of people know it. The point of consolidating debt is to get out of it. That way you don’t dig yourself into a deeper financial hole.

In order to be able to consolidate debt, you can’t be actively accumulating it at the same time. Not only does this make sense, but it’s also mandatory from debt consolidation entities. You must stop accumulating debt and close those accounts once the debt is paid.

4. You’ll only have one payment to make every month for all your debts

The great thing about debt consolidation is that you’ll only have to turn in one paycheck to take care of all the debt consolidated. This way you won’t be missing payments, or getting late fees on top of it. It makes your financial life so much easier and you can even automate payments with your bank account. This is yet another good reason to visit consolidate.loan and get on board.

5. It can help tremendously with rebuilding your credit



Besides the stressful mental burden of having debt accumulating every month, there is the toll it takes on your credit score as well. This is one of the other great things about debt consolidation, it helps you rebuild your credit score, which opens you up to new financial opportunities in the future.

Get Financially Educated

It’s always best to be as financially educated as possible. That way you won’t fall into financial traps or make mistakes that could have been avoided. These five facts are just the very basics about loan consolidation and there is always a lot more to learn on the subject and how the process can work for your benefit.

If you are serious about loan consolidation, it’s best to speak to an experienced financial advisor that will guide you through the process and answer any questions specific to your situation.

There are a lot more variables that go into successfully consolidating loans like having a student loan, etc. This is one of the many reasons why it’s always best to be well informed before making any major financial decisions.


If you are a woman business owner, you probably already know how difficult it is to make it as a female entrepreneur. The biggest problem is the lack of respect, and investors or fellow business owners may look down on you. While these things can appear to be just minor annoyances, they can have ultimately affect your business. Luckily, now we have plenty of programs that focus on women-owned businesses, and they can provide the needed funding. Here is what you should know if you are a woman and you want to fund your business.


Make sure that your business is a woman-owned business

A business does not need to have only women owners in order to be considered a woman-owned business. In fact, it is enough if 51% of the shares are owned by one or multiple women. Third party certifier like WBENC can prove this through certification. You can also try self-certification if you want.

Inquire on what the requirements are

Research is the first natural step in this process. You must be aware of the certifications that you need. Most of the time you do not need to apply for a national certification if you operate just in one locality. Make sure that you know what kind of company you want to know, and what is the level of certification needed for it.

After you have all the documents, prepare your paperwork. You should find instructions at your agency. Submit the application only after you are sure that everything is in order and nothing is missing. We also recommend to keep a copy of every document.

Be ready for the interview (and the site visit)

If your papers are in order, you can expect an interview. The committee will want to meet you personally and make sure that a woman is really the one in charge. If you do not feel confident enough you can prepare in advance and rehearse with some possible questions. Don’t forget that those people are there to help your business, so try not to worry and act natural. You should also expect a site visit, so have everything prepared for it.

If your application won’t be accepted you will be informed and they will their you their reasons, and you will receive one month to fix the previous errors.

Funding options

If you want to receive funds like other small businesses, you can try traditional options like a small business line or credit, a bank loan, or you can even check sba loan rates.

However, there are many programs designed for women. For example, you can check out Operation HOPE Small Business Empowerment Program or Key4Women Program.

Or you can take it even further, and apply for a grant. It may appear difficult to get approved for one, but there are many that were created for women-owned businesses, such as Wal-Mart Women’s Economic Empowerment Initiative, InnovateHER: Innovating for Women Business Challenge or The Eileen Fisher Women-Owned Business Grant Program.


Conditioning your hair is a must if you want your hair to be smooth, shiny and silky. However, not all conditioners are of equal quality, so you need to search for a conditioner in accordance with your hair type. That way you can achieve best results and will avoid numerous hair problems. If you do not know what kind of conditioner to get, you can always consult professional hairdressers to help you with some advice. Professional hair stylists work all their life with hair and have handled many hair types, so no one is better qualified for advice than them. Many of them have taken start up business loan in order to start their businesses and establish their name on the market. Besides asking professional hair stylists you can also check out the following things why conditioning your hair is so important.

    Conditioning is primarily good for hydrating your hair follicles. Dry hair breaks often, so by applying a conditioner you can increase your hair volume and make your hair become softer and sleeker, without any dry flakes present. A thing to have in mind when conditioning your hair is to try to avoid conditioning the roots of your hair. The best thing you can do is to start from the tip of the hair and then go down slowly, but not all the way to the roots. Stop somewhere in the middle, because that is enough for making your hair fresh and hydrated. If you have a colored hair then you should try a bit different method to keep your hair healthy. You can apply hair mask in order to keep the color you like, but it should stay for longer period of time in order to work properly.

    As previously mentioned, using the right conditioner for your particular hair type is a must for having a healthy hair. There is no one specific conditioner that is good for all hair types and for all people. Different hair types require using different conditioners. For example, if you have thin hair then it is advisable to use a conditioner that can increase the volume. Those that have greasy hair should use a conditioner that contains low number of oils and other chemicals. If you pick correct conditioner you will ensure better appearance and longevity of your hair.

    Another important thing to have in mind is that conditioning your hair before applying shampoo is good if you want to improve the overall state of your hair. Quality conditioners have the ability to soak in deep into the hair and will not wash out easily with water. Regular conditioning before shampooing will give your hair a better bounce and better appearance.

    Final thing to remember is that shampooing your hair daily is not necessary. As a matter of fact it can even damage your hair. Shampooing your hair too often can make your hair very dry and can lead to split hair ends. You will avoid this issue with regular conditioning, so apply conditioner daily and enjoy your healthy hair.


Credit Link

A recent report has revealed that an approximated one in four students who attend university are now studying online. In America, around six million students have favored an online course over the typical forms of learning. This has been a trend that has seen growth over the past 13 years. But why are more students favoring this form of learning and what has lead to its increased popularity over the last few years?


In the past, online learning just wasn’t an option for students for one key reason, accessibility. Several years ago, there were very few universities that offered online courses and even fewer universities that were run purely online. The demand wasn’t there, and more importantly, the technology wasn’t there. Now, it certainly is with many homes having ultra-fast broadband connections, allowing them to stream lectures, download course notes and get all the information they need. It doesn’t matter whether you live miles from the nearest city. You could still enroll in a university course online and rarely leave your home.


Once the technology caught up with the demand, online education was always going to be a favored option among students due to the level of choice that it provided. When students head to university, they want to have the freedom to study what they want, how they want, when they want. Most colleges don’t allow this, but online courses do. With an online course like an accredited online MBA program, students can choose exactly what they want to study from an eclectic range of different courses to choose the right career for them. Of course, this isn’t the only advantage that additional levels of choice provide.


With a greater level of choice, students can also decide when and how they want to study. They can take longer on some courses than others and determine when they want to catch up on lectures. That’s important as it allows them to base their learning around other commitments that they have made in life, such as a career. It’s becoming clear that businesses don’t want green workers, even when hiring out of university. They want people with a little experience already under their belt, and then there is the financial pressure. We all know how expensive life can be for student. In this context, online courses start to make a lot more sense.

A Cheaper Deal

Of course, by studying online students are also getting the cheaper deal. The cost of an online course is a fraction of what you would be expected to pay for a full university course. Particularly, if you need to take other things into account such as lodging. As such, by studying online students don’t leave university, already buried in debt. Instead, they can have a clean slate to work with and ensure that they don’t get trapped under the weight of student loan repayments.

As you can see then, there are a number of reasons why the online courses are now being more strongly favored in the student population. It’s not just the level of freedom they bring. From a financial perspective, they are the superior option.

A professional resume is designed to get you noticed and show a potential employer that you are the right person for their company. It is a short piece of individual marketing that should tell the employer what you bring to the table and why you are the ideal candidate for the position. Unfortunately, the amount of time you have to explain this is very limited, and the average employer spends only six seconds scanning each resume.


For a position in the increasingly competitive IT field, your resume may have even less time to do the trick. Additionally, many major employers utilize resume scanning software that searches for relevant keywords, and you must also take the steps to ensure your resume will actually be seen by human eyes. Once selected, it must immediately grab the attention of the employer and quickly tell him or her what the company will gain by hiring you.

Choosing Your Format

Selecting the correct format is crucial to writing an effective professional resume in any field. Fortunately, you don’t have to wrack your brain over this, as there are only two main options: chronological and functional. There is also a format that combines the two, appropriately called a combination format.

  • Chronological Resume: This is the most common type of resume format, and it is what most people think of as a traditional resume. With this format, your previous employers are listed in chronological order, beginning with the most recent. This style is good if you already have an extensive employment history in IT, as it highlights your experience more than your skills.
  • Functional Resume: This format is designed to highlight your skills more than your experience, putting less emphasis on your work history and more focus on what talents and qualifications you bring to the table. A functional resume may be ideal if you have little to no experience in IT, or if you have a diverse work history that includes multiple fields.
  • Combination Resume: This style combines elements of both chronological and functional formats, allowing you to highlight both your skills and your experience. The major downside to resumes in combination format is the length, considering the very limited amount of time are likely to spend reading it.

Creating Your Resume

Although the specific sections, contents and arrangement may vary, most professional resumes consist of two basic parts: assertions and evidence. Your assertions will include the qualifications, talents and skills that make you the right candidate, and the evidence will support them.

With the variation of specialties, subfields and focuses within the general field of information technology, assertions are generally the most critical aspect of IT resumes. This section consists of three subsections:

  • Objective: This is a clear, short description of what you hope to bring to the position. A proper objective should clearly define why you are the right person for the job in one sentence.
  • Summary: Here, you will list the skills, accomplishments and expertise that make you perfect for the position. This may be the only section of your resume that the employer fully reads, so you need to make it count.
  • Skills and Accomplishments: This section provides you a platform to go into more detail about the characteristics and expertise that make you the ideal candidate. For example, this may include cSharp exception handling, advanced coding practices, data mining, etc. It will also include a list of awards and accomplishments that relate directly to the functions you would serve within the position.


The assertions section is the most important area of a functional or combination resume, and evidence section simply confirms these assertions by providing your relevant work history. In the case of a chronological resume, the evidence section will be much more extensive, as your employment history will include descriptions of each position, the dates you held the positions, achievements and awards you earned, and any other relevant information.

The Perfect IT Resume

Unfortunately, there is no such thing as a perfect resume. However, if you create an honest and thorough resume that focuses on the needs of the employer, you should be able to land your dream job in any IT field.


Image source

Not much more than a few years ago and people were using talcum powder as liberally as Donald Trump uses divisive comments. Parents used it on their babies, people used it to get that soft skin feeling, athletes used it to stop chaffing and others did it for personal hygiene reasons. In short, it was all but an essential part of people’s lifestyle.

However, the question, “does talcum powder cause cancer?” is one that has become a mainstream talking point ever since an L.A. jury agreed it did. In fact, Johnson & Johnson were ordered to pay a 63-year-old woman $417 million as it was determined that her terminal illness was caused by decades of Johnson’s talcum powder use. The argument was that Johnson’s should have warned consumers of the risk.

In this instance, the cancer in question was ovarian cancer, and the fact Eva Echeverria’s was terminal has turned the once innocent use of a product into a possible wrongful death lawsuit that could extend to who knows where.

For those who aren’t aware, talcum powder is made up of talc minerals, which are made up of magnesium, silicon and oxygen. Some talcum powders also contain asbestos, which isn’t exactly a substance you want to put messing around with and potentially inhaling. With that in mind, we have pulled together a list of other cancers that could be caused by the excessive use of talcum powder.

The Lungs

Asbestos is a substance that has been proven to encourage lung cancer, which makes this a real worry for anyone that isn’t doing their research or still using a bottle of talc that they’ve found at the back of the cupboard from when they were kids. However, even though most talcum powder on the market is asbestos-free, there are other mineral deposits in talcum powder that can cause lung cancer, most notably Radon. This is actually more severe than you may think because last year Radon-induced lung cancer was the second biggest killer, second only to smoking. To put it to you bluntly, the EPA has found there to be epidemiological evidence showing a clear link between lung cancer and high levels of Radon.

The Ovaries

Such as we have found with the case of Eva Echeverria, talcum powder has become increasingly linked to the rise in ovarian cancer, which is often referred to as ‘The Silent Killer’. The reason why Eva Echeverria’s case is so significant is because it shows that there is a) proof women have been suffering from ovarian cancer as a direct result of being exposed to talcum powder in large quantities or over a long period of time and b) there has been a lack of responsibility by those manufacturing and selling these products to people without proper warning. What makes this so much worse is the fact ovarian cancer is so hard to spot, as well as the fact it can spread to other parts of the body with relative ease.

Other Cancer

While lung and ovarian are the two biggest worries on this front, talcum powder is often associated with other forms of cancer, namely endometrial and uterine cancer, both of which are more common within women that have been through their most fertile periods. Another form of cancer that is worth mentioning, and one that is not so exclusively reserved for women but men also, is stomach cancer.

Now, we know that a lot of people, especially those in the Baby Boomer and Traditionalist generations, are going to dismiss this as a load of nonsense, which probably has something to do with the fact they don’t want to be told they were sold something so harmful. However, while the results are still yet to be fully confirmed and the exact science will remain ongoing for a few more years no doubt, many experts are urging people to stop using excessive amounts of talcum powder, while others are saying it should be avoided altogether.

Basically, we need to dig deeper to understand exactly what is going on because at the moment we can’t say in any totally certain terms what talc’s effects on the body are – especially the lungs and ovaries. As such, it is so important that science world works to discover what the mechanism is if there is one. One thing is for sure, this current court case with Johnson & Johnson is only the start of something very big and very important, and so the world will likely be watching what happens here, and what other products could get drawn into the mix.



Aside from looking beautiful, well-kept nails are also a reflection of one’s health. Gel nail polish is the best thing that ever happened to most women. If you are always biting your nails or chipping them when doing housework, gel polish is the best choice for you.

A good gel polish is gentle to the natural nail and if applies correctly, has a lifespan of up to three weeks without being chipped. However, you need to choose the best one for your nails first. Nobody wants to spend money on a manicure that will be ruined a few hours later.

Here are some tips that will help:

UV/LED Light Gel Polish

Depending on the type, some gel polishes are cured with UV light while others use LED light. UV light curing is cheaper than LED curing. Therefore, opt for a UV gel polish if you want to save on money.

You will also find a gel polish that does not need any light to cure. However, most people are complaining that this variety does not last as long as the other types.

Are You a DIY-er?

Gel polish is much harder to use than acrylic polish, especially when you want to remove it. Although some kits come with builder layers, you should consider going to a salon for the initial application. Because UV gel kits are much cheaper, start with them. Low-wattage UV lights used to cure gel polish are usually 9-45 watts.

Try it with Friends

The best way to teach yourself how to apply gel nail polish is by inviting your girlfriends over and learning together. If one of your friends has some experience with it, she can teach you how to use it. To get an idea of how different kits work, ask them to bring their own nail gel kits.

If you run into any trouble, do not be afraid to turn to YouTube videos for guidance. You can also learn how to soak old gel polish and remove it together. Peeling off the polish is not good for your nails and can cause significant damage.

Do Not Forget the Toes

Do you have a hot date with your boyfriend? You need to take care of your toenails as well. Gel polish will make your toenails look sexier. In fact, most women prefer to wear gel polish to the beach because it is scratch-resistant.

Consider Time Commitment

Many women prefer gel polish because they spend less time on manicures in the end. However, you also need to consider the time it takes to apply this polish when at home. Because they take longer than traditional manicures, you need to think about whether they are worth it.

The curing might take up to a minute for each nail. This means that you need to set aside at least thirty minutes to an hour to do your nails. Moreover, if you have an old polish on your nails, this process will take much longer. Because the gel adheres strongly to the nails, you need to soak the nails in acetone remover, and this might take ten minutes.

Find Compatible Accessories

You need to find accessories that are compatible with your gel polish system. This means that you need polish remover, a nail cleanser, base coat, and topcoat. You need the top coat to seal the new gel polish in properly. Your gel nail system might come with all these items or not, so you need to exercise caution when shopping online.

Purchasing the components separately can be very expensive. You need to buy an all-inclusive gel nail system for the complete experience. However, if you find that it is cheaper to buy the accessories separately, you need to ensure they go together.




Do you have concern for your loved one in respite care? It seems you would have a right to be concerned, more than a quarter of cases of nursing home neglect or abuse is not reported in any way, shape, or form. Federal law requires that cases of abuse in care homes or nursing homes should be reported to the police for them to deal with. While government investigators are conducting a review into neglect and abuse in care homes, the problem is prevalent and needs dealing with.

An investigation was undertaken into nursing home residents during 2015 and 2016, and 134 cases were deemed serious enough to require emergency room treatment. And most of these cases were as a result of sexual assault. Although these cases were over 33 states in the United States, some states had a higher percentage of abuse than others. Illinois was the prime culprit, with 17% of the cases of abuse stemming from this state. The impact on the families is unquestionable, and, in the more serious cases of nursing home neglect, such as resulting in death by a mistake in medication, this also belies a severe lack of internal monitoring. The fact is that these people should not have died in the first place, and the fact that this is still going on in care homes up and down the United States, and the world, has indicated the dire situation of care homes and their staff selection process.

It is unfortunate that the amount of wrongful death lawsuits appears to be escalating at an alarming rate. The most recent one was a family that filed a wrongful death lawsuit against James Square Health And Rehabilitation Centre, of Syracuse, due to the lack of monitoring with regards to hydration and nutrition, as well as the home failing to diagnose and treat sepsis. This is the fifth wrongful death lawsuit filed against this rehabilitation center in the last five years. This highlights the pandemic of abuse and neglect in care homes across the board is firmly in place.

So what can be done to regulate this? Although the federal law on neglect was drastically improved in 2011, which implores someone to report any suspicions of neglect or abuse to a local law enforcement organization within 2 hours, this still doesn’t solve the issue of employing the right members of staff. Looking at the example of care homes across the board, the regulations when it comes to hiring staff don’t require any specific qualifications as a rule. This is in relation to an entry-level position for the job, as evidenced in care homes for the disabled. As a result, the vetting process needs to be more stringent.

But to prevent the rise in cases of nursing home neglect and abuse, on the whole, this brings to light the fact that everyone, not just the family members, needs to be on guard. Nursing home abuse is something that shouldn’t be tolerated, and based on the results of the investigation undertaken; this number can be greatly reduced with a better vetting process.


What happens to your business if a disaster hits? The purpose of developing a Business Continuity Plan, is to ensure the continuation of your business during and following any critical incident. If your normal operational capability is disrupted, your plan will ensure that the financial impacts upon your business are minimal. Read on to find six tips for developing a disaster preparedness plan for your business.

1. Organize your finances

Even with the best plan in place, in the event of a disaster it is likely that your business will suffer some financial damage. For this reason, it is important to research loans or fixed deposit amounts before disaster hits. With this research, you can ensure that you receive the best interest rate available and be back on your feet quickly. Have you ever been hit with a disaster and need a debt consolidation loan? Try latitudefinancial.com.au.


2. Conduct a Business Impact Analysis (BIA)

A business impact analysis (BIA) predicts the consequences of disruption to business functions and processes, and is vital in developing a business continuity plan. The planning stages involve gathering information needed to develop recovery strategies, identify time-sensitive and critical business functions, and prioritize the order of events for restoration of the business.

Your BIA should identify both the operational and financial impacts from a disruption of business processes. Some impacts to consider in your plan include:

  • Lost income and sales
  • Increased expenses
  • Contractual penalties
  • Regulatory fines
  • Customer dissatisfaction

The BIA should therefore compare the costs of possible recovery strategies in order to minimize further financial strain on the business.

3. Gather the resources required to support recovery

Minimizing the financial implications of a disaster on your business involves recovering from the interruption as quickly and seamlessly as possible. Recovery of critical or time-sensitive processes to your business requires resources. It is important to consider in advance these necessary resources and alternatives should they become unavailable. Important resources include:

  • Employees
  • Technology
  • Office space
  • Invetory
  • Production facilities
  • Utilities

It is important to therefore estimate the resources that will be needed in the days and weeks following a disaster.

4.  Finalize your recovery strategies

Recovery strategies are alternate means to restore business operations to a minimum level following a disaster. Your strategies may involve:

  • Entering into a partnership or reciprocal agreement with another business
  • Displacing other functions within the company
  • Relocation of operations to an alternate site
  • Telecommuting
  • Using external suppliers
  • Prioritization of production—by profit margin or customer relationship
  • Relocation of existing inventory

5. Insurance

As part of your disaster plan, you need to determine what types of insurance are available, and put in place the insurance that will best protect your business needs. It is important that your policy covers all foreseeable threats to your business. Adequate insurance cover should include both business interruption and general property insurance. If you live in an area that is prone to floods or other natural disasters, it is important to take this into consideration when choosing the right policy.

6. Invest in employee training

In the event of a disaster, your employees are vital to ensuring the continued operation of your business. Therefore adequate training in multiple areas of the business is imperative to reduce key person risk. Informing your employees of the disaster management plan and training them accordingly, ensures that there is minimal disruptions to your business activities. Consulting with your key employees throughout the planning process is also beneficial, as they will have the best idea of what functions and processes are most important for the continuity of the business.

Developing a disaster preparedness plan is an important step in ensuring the continuation of your business in the event of an unforeseen disaster. Taking the time to plan early gives you the peace of mind that your business can withstand any surprising incidents.

Bio: Laura Costello is in her final year of a Bachelor of Law/International Relations at Latrobe University. She is passionate about the law, the power of social media, and the ability to translate her knowledge of both common and complex topics to readers across a variety of mediums, in a way that is easy to understand.


There is no doubt electricity is an essential part of our modern day lives. We have grown so familiar with it that we don’t even realize its usability to perform different tasks. In addition, we give very little thought to the hazards of electricity and the kind of damage they can inflict upon. Electricity itself is a serious hazard that can trigger very serious accidents. It requires you to be very careful in these matters and never hire unprofessional and uncertified electricians. For safety purposes, we recommend an electrician level 2. Here are a few things you should always take care of regarding electrical safety in your home:

  1. Faulty Wiring

Poor wiring is one of the most common reasons of tragic residential fires, and unfortunately we neglect this aspect. Common signs of poor wiring include untimely flickering of lights, tripping of breakers, warm sockets and sparks. If you notice any of these signs in your home, immediately call a level 2 electrician to get your faulty wiring repaired. Other than that, have a certified electrician check and inspect the electric work in your home after every few years.

Image result for Electrical Hazards

  1. Install GFCI Protected Outlets

Two-thirds of all electrocutions in homes could be averted if homeowners employed the GFCI (Ground-Fault Circuit Interrupter) receptacles. Its purpose is to protect people from electrical shock. This outlet keeps monitoring the difference in the current flow. So, how it works? When it senses the occurrence of a ground fault and shuts off the electricity flow instantly. The good thing is you can do the installation yourself as well, but when it comes to electricity it is always recommended to get help of a certified electrician to do the job.

  1. Avoid Overloading Power Points

Power points or sockets are made to cater only a certain amount of electricity at once. Plugging too many appliances and overloading your electric sockets may cause a very dangerous fire. Plug adaptors are indeed a big help, but never abuse them by plugging in all heavy-duty appliances at once. These small reckless mistakes initiate most of the residential fires. A more safe approach is to install power strips involving a circuit breaker with them, which interrupts the electric flow when overloaded.

  1. Avoid Operating Faulty Appliances

Because of our hoarding habits, we hold onto things as long as we can. When it comes to home appliances, it is almost impossible to get rid of one unless it absolutely stops functioning. Using malfunctioning appliances, such as a smoking toaster or noisy washing machine can be very dangerous. Try simple fixes like resetting the machine, but if those do not make any difference, get it professionally repaired.

  1. Avoid Connecting Or Disconnecting Under Load

When you unplug a device while it’s still on, the electricity flow might generate an arc. Always remember to turn off the appliance before plugging it in or out. If the machine malfunctions, cut the main electricity supply and then unplug the machine. With a little precaution, you can avoid the dangerous arcs.

Here are a few more electrical tips to keep your home safe.


Source: https://pixabay.com/en/stethoscope-doctor-health-care-2359757/

Choosing health insurance for your employees is an important decision. It can affect your ability retain employees as well as hire new ones, not to mention greatly improve the health of your current workers. With so many options on the market, how are you supposed to choose?

This guide is here to not only make sure your employees have healthcare, but to have the right healthcare as well.

Does the Plan Meet ACA Requirements?

The first thing to look for when choosing a health care plan is whether or not it meets the Affordable Care Act’s rules. This means that if you have 50 or more full-time employees, you will need to offer affordable coverage at a minimum value to 95% of that full-time staff. Affordable coverage must cover 60% of health costs while keeping the employee’s cost at less than 9.5 percent of their household income.

Any policy following ACA requirements cannot have lifetime caps and must limit out of pocket expenses. All of this can be more than a little confusing. So, make sure to ask your broker for more details.

Should You Choose Fully Insured or Self-Funded Plans?



Source: https://pixabay.com/en/calculator-calculation-insurance-385506/

Self-funded plans are when employers bear the main risk of health claims exceeding the company’s estimate in a given year. Although the risk is higher, the overall cost is usually lower. It is highly recommended to purchase stop-loss insurance to cover unexpected emergency claims when choosing this option.

Fully insured coverage plans require the insurance company to bear the weight of the risk, but cause employers to pay higher premiums. You can choose to offer high-deductible plans in order to spend less money each month on premium when picking this option. While this can cause an increased cost burden on your employees, you can alleviate this by offering generous pretax savings accounts.

Both of these plans require you to choose a group plan and pay a percentage of the premiums every month. Either is a good option, so choose whichever will work best for your business.

The Variety Option

The variety option means going through an insurer that offers a variety of plans. They include PPOs and HMOs along with several different co-pays, premiums, and deductibles. This gives you a chance to avoid excessive costs by setting aside a certain amount of money for each employee every month, which allows any worker who chooses a more expensive plan responsible for covering the difference.

Pay close attention, as not all of these plans meet the ACA minimum requirements. Ask your broker about any you are looking at before making a final decision.

Look For Extras

Specialty plans and benefits can help you lower your long term health care costs while attracting and retaining employees at the same time. Things like dental insurance, life insurance, and accidental coverage are all welcomed benefits by potential employees.

Some of these extras can also encourage your employees to lead healthier lives. In some cases, wellness goals are set that offer premium deductions for those who exercise and diet to meet those goals. This can create an incredibly healthy workforce as well as a happier work environment.

The SHOP Exchange

In some instances, business that have 51-100 employees might have the option of buying their insurance from the SHOP Marketplace. This route is offered on a state by state basis. So, make sure to look into its availability.

Choosing the best health insurance option for your employees can be a complicated and confusing task, but following these general guidelines can help you narrow down your search. Always talk to an insurance broker who can answer your questions and help your business steer clear of less than desirable insurance plans.


Unless you’ve not paid attention to the media in the past months, it’s likely that you’ve heard of fake news, from the Internet hoax about Rowan Atkinson’s death – that’s Mr. Bean for those of you who don’t know him yet – to the famous Pizzagate last December. Fake news is everywhere, and while they are not the main item of information online, they can have a negative impact on your everyday life and your decisions. Imagine reading fake news about the impact of vodka on your diet and switching from a water-only to a vodka only regime? Okay, that’s a little far-fetched, but you get the picture. However, what you might not have considered is how fake news can dramatically affect your marketing efforts.

Spot fake news

Fake news and content marketing

According to the Washington Post, 60% of web users are happy to share a link without even reading its content. What this means is that people only read the first few words in the extracts and decide to share and comment, even though they haven’t read the whole article. Consequently, you are at risk of building your digital presence on facts that are not correct. Therefore it’s important to remember some basics about content marketing: According to Ignite Digital, content marketing gives your business the opportunity to educate your audience with valuable information. In other words, check your facts if you want a strong content strategy.

Don’t link to fake news

Fake news and brand awareness

There’s a double risk about the presence of fake news online. For a start, it’s likely that your website will suffer negative impacts if you’ve been building content that uses fake news. But more importantly, as users are becoming more and more suspicious about what they read online, less than one-third of your visitors will believe what they read about your company. The rest will assume that it’s all part of the big fake news scheme.

Fake news and social media

Unfortunately for you, sharing fake news on social media, as part of your social media activities, can cause viral reactions. Even if your business finds ways of dealing with the negative feedback, as Kissmetrics points out the social media world never forgets. In other words, the post you share on social media will remain online… and so do the conversations that follow. To put it simply, even one mistake that you’ve made about fake news outside of the social media platforms can still be found by users and shared on Twitter, for example. Any faux pas will come back to haunt you on social media, and even more easily if you use viral hoaxes – unwillingly, of course.


You’re not on your own

Don’t panic, though. Fake news is a known threat, and that’s why Google has changed its algorithm in April this year, as a way to filter out hoaxes. As a result, Google is ranking primarily authoritative pages and allowing users to report inaccurate or misleading content. Admittedly, it doesn’t mean that it’s the end of fake news, But if you check your facts carefully through high-quality content sources, you’re less likely to fall for a hoax.

Your role as a business is to share authoritative content about your area of expertise. Consequently, the accidental use of fake news – on social media or your website – can damage your ranking, your brand reputation, and your social media presence. Let’s just hope that careful on- and offline research and the latest Google algorithm can help you to stay in the clear.



Pic Link

The amount of deaths and life altering injuries on the road have grown over the past few years. You might assume that this is due to drinking driving or perhaps even phone related deaths. However, instead of blaming independent drivers safety, petitioners are beginning to turn their attention towards one particular industry. Many people are starting to feel as though trucking has become a serious danger on the roads.

Why Is Trucking Dangerous

There are numerous reasons why trucks are dangerous vehicles on the roads. First, it’s important to understand that trucks can weigh five times the amount of a typical car. This means that if you are involved in an accident on the road involving a truck death could be more likely than an injury. Due to their size, these trucks also have longer braking distance meaning that an accident could be less preventable. As well as this, despite larger mirrors trucks have massive blind spots. There are several areas around a truck that a driver will not be able to fully see while driving. In 2015, there were nearly 4000 people died due to a truck accident on the road. This amount is about 12 percent of the total number of accidents.

What Are The Issues In The Industry

Too many to count. Trucking companies often use cheap labor resources that may involve drivers that do not have a lot of experience manning the large vehicles. As well as this, drivers are often encouraged to get to their destination as quickly as possible with incentives for fast deliveries. There is also evidence to suggest that drivers work without breaks on the road, leading to issues with fatigue. Furthermore, yet more research suggests that many of the trucks currently in service on the roads are no longer safe due to being out of date with the latest safety features.

As such, a reform is needed to reduce the number of incidents on the road. According to www.lawsuitlegal.com a number of wrongful death lawsuits have been brought forward due to incidents involving trucks on the road. For a reform to take place there needs to be a show of force to prevent further incidents. This may happen due to Tracy Morgan being one of the most recent victims of a truck incident. His celebrity status could lead to changes in the trucking industry, though so far nothing has changed. So, what can be done to improve the situation?

Government Incentives

One of the major issues is that life-saving technology is available on the market that can make trucks a lot safer for drivers and other people on the roads. Unfortunately, this tech is expensive and buying full vehicle upgrades is a cost that most companies simply can not handle. Particularly, when taking into account expensive insurance costs that they have to pay. Due to the potential of wrongful death lawsuits being a result of a truck accident and massive payouts often occurring, insurance companies are charging a fortune to cover truck businesses. This forces them to save money in other areas such as safety.

As such, petitioners want the government to provide incentives to these companies. They already do this for businesses that use electric vehicles, so it’s not a stretch to suggest they could pay incentives to companies using better safety equipment in their vehicles.

Hope For Future Tech

It is fair to say that a number of trucking accidents are caused by driver negligence or even basic human error. As such, if we could take humans out of the equation we would have safer roads and far fewer accidents involving trucks. This might not be as absurd as some people think. There are currently tests and research involving trucks that drive themselves. However, one could suggest that this would just lead to further problems. After all, a driver would still need to be in the truck as a safety precaution, and it would cost companies even more money. Without a driver present, if the tech driving the truck failed it could lead to further accidents. You can learn more about this tech on www.technologyreview.com.

The Road To No Traffic Deaths

Safety petitioners interested in this movement are attempting to reach the goal of zero traffic deaths. Stopping the dangers of trucking is crucial to moving towards this goal. Trucks present a serious danger on the roads. Unfortunately, only legal action and government interference have the power to change things. Without this type of pressure, it is unlikely that the industry will make changes itself to provide safer roads for all users.

However, there is definitely a surge in interest for this type of trucking industry reform. To succeed, it needs the support of the general public to force companies to make changes that will help keep everyone safe.

Pic Credit


If you are someone that owns their own business, then you have a variety of people to be thinking about and to keep happy. From any staff to your accountant or clients, there are a lot of people that you need to keep happy, in order from them to keep working with you or so that they keep doing a good job for you. Clients can, of course, benefit you as they help you to bring in revenue for your business. However, there is a certain satisfaction when it comes to knowing that you did a good job for them and have contributed to their happiness. So what are some of the best ways to keep those people that you work with happy? Here are a few ideas for you to get you thinking.



Pay Close Attention

If you are able to anticipate your client’s needs, then it can make a massive difference. Being able to predict what they might want, as well as what they might need for their next project, for instance, can stand you in good stead. Plus, if you get regular work from a client, you can anticipate certain things through the ways that they prefer to communicate. If they keep emails quite brief but they give their phone number, then could it be that they’d rather talk in person? Arrange to call them or to go to their office, for example.

Send Thank Yous To Them

If you have worked with a client quite a lot, then it can be a good idea to send something over to them as a thank you. After a project is finished, having something sent to their office as a thank you can be really appreciated and will keep you in their good books. It could just be that you send over some treats or even give your clients a stubby holder, for example. It helps to keep you in their memory, which is more likely to lead to repeat work from them. So have a think about what might work, even if it is just sending them a holiday card.

Own Your Mistakes

From time to time, mistakes will happen with certain work or projects. But the best thing to do, to keep everyone happy, is to own up to something rather than blame others. Explain what has happened, and tell them quickly what you will be doing to rectify the situation. Some things may have been out of your control. But it looks bad to blame others or circumstances, instead of owning your mistakes and then putting in a lot of effort to put it right.

Stay On Top Of The Trends

If you have certain clients that require work that is more seasonal, then be prepared for work that comes up at certain points in the year. Try not to overbook yourself for work, so that you have space at certain times of year for loyal clients. This can also allow you to have time to creatively plan when you know they will need you at a certain time.

Website testing and tracking bugs is a full-time job for web development companies. Building and maintaining complex web applications requires a dedicated team of professionals. This is not an easy job. It requires a wide variety of skills. New devices and browsers make ensuring websites and applications are bug-free on every device harder and harder. Outsourcing is a great solution, but there are a lot of things to consider before choosing this route.

Why You Need Website Testing

A website has become an integral part of any business. And simply having a website is no longer adequate; it needs to be a good one. All websites can be improved and made to achieve more. Testing and quality assurance have many benefits. It leads to improved layouts that showcase relevant information. It can raise on-site conversion, clicks, sales, and visits. It eliminates underperforming or problematic elements such as bad links, buttons, ads, text, and code. It helps your website function at its best. Many times, your website is the first impression a client or customer has of your business. You want it to be a good experience.

This makes website testing vitally important. Automated monitor and performance testing makes sure your site is always available and responsive and notifies you of problems instantly. Manual scripted and exploratory testing on multiple browsers, devices, and screen sizes identify any experiential problems. Make your site even more user-friendly using A/B testing. The occurrence of bugs is increasing and can be costly. On top of making sure your site is running smoothly and is quick and easily accessible, you need to be testing for and tracking bugs.


Should You Outsource?

All of these tests require time and money. It is worth considering outsourcing to a website testing company. If you have a small team, you can task them with running tests. Ensuring high-quality website requires many skills. Members of your team need knowledge of web development, communication skills, and domain expertise at the very least.

The value to your company of outsourcing equals the benefits minus the costs. Some costs might include contracts, process changes, and communication. When making these decisions, involve everyone in your company that might be affected by your decision: developers, designers, project managers, etc.

It is assumed that outsourcing will speed things up. This is not necessarily the case. Most outsourcers are half as effective in the first few months and take up to a year to reach maximum effectiveness. It takes web testing companies time to learn what works best for your business.

There are many benefits as well. Companies like QAwerk have teams of professionals with years of experience. They ensure usability, security, user-friendly design, and functionality. You are paying professionals to perform a specific task. You get a fresh set of eyes on your website. Outsourcing alleviates pressure from your team and gives you the peace of mind that all checks have been carried out and documented. A high-quality website generates better results for you and your customers and clients.

Elements to Consider When Outsourcing

  •       Service Level Agreements – These describe in detail the level of service a vendor will provide. Some types of SLAs might include client satisfaction, volume of work, on-time delivery, effectiveness, availability, and sensitivity.
  •       Mobilization – After signing the contract, there is a period of mobilization. During this time, certain elements are organized: people, knowledge acquisition, infrastructure, and processes.
  •       Communication – The ability to communicate seamlessly with your outsourcing partner is important. Make sure open channels and effective points of contact are maintained. An effective communication model includes issue resolution, escalation, and reporting.
  •       Quality – The point of outsourcing is to improve the quality of your website significantly. The testing company that you choose should assess testing capabilities, identify gaps in test processes, and implement positive changes.

When it comes to your website, quality assurance is important. When a potential customer travels to your site, you want the experience to be flawless. This requires testing and bug tracking. It is possible to maintain your site with an in-house team, but it is not always the best scenario. Outsourcing might be your best option. It is important to consider the benefits versus the costs to determine the value derived from such a decision. There are many benefits to partnering with a company that specializes in web application testing and quality assurance for websites. Their team of professionals may have the capabilities to improve your website in ways your current staff is incapable of accomplishing.




In 2015, there were over 370,000 car crashes in Florida, which adds up to over a 1,000 per day. Add to that 2,939 fatalities and 159,795 injuries, besides over 200,00 instances of property damage. These huge numbers can really shock a person.

Given the millions of snowbirds and family vacationers touring the Sunshine State every year, a good deal of these frequent Floridian auto accidents will involve out-of-staters. It is good to familiarize yourself, therefore, with Florida’s auto accident and injury laws before your departure.

Here are 4 things to be aware of:

1. Out of State Auto Insurance

The first thing to realize is that whatever mandatory state minimums your home state imposes as to auto insurance, Florida’s standard of $10,000 PIP (personal injury protection) and $10,000 property damage liability (PDL) will apply. Insurers have cooperated across state lines to allow for these types of situations, so you don’t have to worry about your car insurance “not working” with an out of state claim.

2. First Steps After an Accident

As in all states, you are required to stop at the scene of the accident and to assist anyone who may be injured to the best of your ability. Often, that may mean calling 9-1-1. Conversely, if you are the injured party, the other motorist owes this duty to you.

In any accident where more than $500 of property damage or any bodily injuries take place, you must report the accident to the local police as soon as possible. And if your vehicle is blocking traffic, you must move it or get it towed away if you are in a condition to do so.

Getting in-state legal advice early on is also key. In Tampa Bay, for example, the Doan Law Firm has a reputation for guiding both Floridians and visitors through the legal steps necessary to collect compensation after an accident. Don’t bear the pain and costs of injury and a wrecked car needlessly when you are entitled to be reimbursed.

3. Florida’s Comparative Negligence Law

In Florida, personal injury law is not so simple as simply identifying “the” at-fault party and having him or her pay for all losses suffered by the wronged party. Instead, your claim will be equivalent to the percentage of fault assigned to the other driver (and vice versa).

Thus, if you are deemed by the judge to be 30% at fault and the other driver 70% at fault, you can only collect 70% of the losses you suffered. And you will have to pay 30% of any losses suffered by the “mostly at fault” driver.

Insurance companies and defendants know about this law and they use it to try to diminish your claim unfairly at times. That’s why you need a local Florida personal injury attorney on your side. A good lawyer with a track record of success will bring “clout” that will force all involved to “play fair.”

4. Florida’s No Fault Car Insurance Law

But in order to be able to file a claim at all, you have to qualify for an exception to this state’s no-fault car insurance statute. Your insurance will have to pay regardless of fault unless you suffer a serious personal injury or the damages go beyond what the insurance policy will cover.

A “serious” injury is one that is permanent, leaves permanent scars or disfigurement, or that results in the loss of a bodily function. If that sounds a little vague to you, it’s because it is, and it takes a good lawyer to know how these phrases in Florida’s car accident laws will be interpreted in an actual injury case.