Use of Coupons and Special Deals For Traveling and Accommodations
In recent years you may have noticed that the use of Coupons and special Deals for traveling and accommodations, especially to destinations like Las Vegas have become more and more popular! Las Vegas has always given discounts, even when no one else did, but not on the scale that they do now!In today’s economy it would be a huge mistake to avoid using any Deals or coupons when the savings are so sizable! We’re talking about the entire cost of your trip being cut by 50% and more! Yes, there are some fantastic deals out there, and by surfing the net it can either make or break your vacation plans!Discounts in Las Vegas are not limited to Travel and accommodations. You can easily find Coupons and Deals for your rental car, Fine Dining, Gambling, Attractions, and Entertainment as well! Having the ability to obtain these Coupons before you even board the plane, is amazing in itself!It used to be that we only picked up Coupons after we reached our hotel at the front desk–$1.00 here, $1.50 there, a roll of nickels etc. but now it has taken on a whole new face! Your entire trip, rental car, flight, meals and entertainment, with other perks can give you a trip that you may have otherwise had to pass on!Even if you don’t get Coupons and Discounts for your trip BEFORE you leave for Las Vegas, you can still get coupons after you arrive from the hotel where you are staying. The good news is that you can also get Coupons and Discounts from other hotels, even if you aren’t staying there! They can be picked up at just about any hotel on the Strip you walk into, and the same goes for Downtown!It’s always a good idea to watch your newspaper for Deals as well! If you’re working with a Travel agent, its always a good idea to try a second Travel agent because they would like very much to earn your business by offering you less expensive options than the one you’ve been working with.Most Casinos also have a “Club Card” or a “Rewards Card” that you can get for free just by signing up for it. This will provide a variety of discounts and special Deals within the establishment where you obtained it. It is the same size as a credit card and it fits into the Slot machines and earns gifts and points that you can benefit from on other purchases. There are kiosks situated all over the Casinos for you to scan your card to see how many points you have earned. It’s not difficult to get a 2-for-1 credit for the buffet or other dining within the hotel and Casino!If the Hotel where you want to stay has accommodations for $200 per night, why would you choose not to get a Discount and pay $95 a night? Look everywhere!- Online, Magazines, newspapers, and in your mailbox. These Deals are very real and are out there for you to take advantage of! You have NO excuse, unless of course you have too much money that you desperately need to get rid of, in which case I’ll leave my contact information for you below. Check out Las Vegas Deals Info.
Payday Loans – Fast Temporary Money
Are you running low on cash? Do you need money for an emergency? Is it few more days before payday? Worry not! There is an answer to that problem… payday loans. This is one of the easiest and fastest ways to get money until the next payday.What is a payday loan?This is also known as the paycheck advance, payroll advance, check loans or simply the cash advance. This is a small amount that you borrow from lenders before your next payday.Who offers these payday loans?These loans can be availed from lenders licensed by the government such as the payday loan stores, check cashers and pawn shops. As of December 2006, there are already around 25,000 payday loan outlets in the United States that clients can choose from.How much can a client avail?Loan can range from as low as $100 to as much as $1500 depending on what state you are currently living.When is the due date for the payday loan?This is usually two weeks after you receive the money.How much is the usual interest rate for payday loans?For payroll loans, it ranges from 390% to 900% annually (Annual Percentage Rate). The rate is typically higher than other loans because it is a small and short-term transaction.How does this work?First, apply for the loan and submit all necessary requirements. Then sign the loan agreement, issue a postdated check to the lender and receive the money. After that, the lender keeps the check and deposits it on the loan’s due date unless it is replaced with a new check or the loan is already paid.Why should one avail for a payday loan?Borrowers avail for this loan if they have temporary cash flow problems and they need an immediate amount of money; if a person is facing an emergency and needs money on a short-term basis; or a person, who is with a bad credit standing can not avail of any other type of loan like bank loans, credit card and other low interest alternatives.What are the advantages of a payday loan?1. It requires minimal requirements. Requirements such as a bank account with a good standing, stable source of income or a job and identifications proving that the client is really the one who is acquiring for the loan are all that it needs.2. It is usually approved within the day. Once the borrower submits all the necessary requirements and accomplishes the forms, money can be received on the day itself.What are the disadvantages of a payday loan?1. It is temporary money. The amount borrowed is to be paid immediately. The concept of the loan is to have it for a short time and to be repaid in full as soon as the expected money or salary arrives.2. It has a higher interest rate compared with other cash loan alternatives. The interest cost money. Payday loans costs more compared to other cash loans. Interest rates can range from 390-780% depending on how many times clients repeat their loans.Should consumers avail of the payday loans?This depends on the reasons of why to avail.Yes, if you can provide the requirements and be able to comply with the payment scheme. If you are really in need of the money and you don’t have any other choice but to apply for it. If you understand the terms and agreements that are written in your contract and you can follow it.No, if you can not guarantee your payments. If you can not pay in full and will reapply for another cycle of the loan. If you have other options aside from payday loans and you can still avail for it.Tips for those who plan to avail it or have availed already.1. Make sure to read the contract before signing and keep a copy for your records.2. Make sure to have enough funds on your checking account if you didn’t pay in full or you did not renew the loan, in case the lender deposits your check.3. In case you can not pay in full, it is better to renew your loan rather than to have a bad credit standing which can later on affect your ability to get credit in the future.
How to Make an Organic Garden
Every spring, whether northern or southern hemisphere, many people begin to think about gardening. Some have been gardening every year since they were old enough to help in the family garden back of the house. Others have begun gardening only recently. Most have questions, though.How to make an organic garden is a question that arises more frequently these days, as people become more concerned about health issues. They want to know that the produce they are eating is good for their health and safe for their families to eat. They want to begin an organic garden.Many books have been written about how to make an organic garden, and we cannot compete with them in one article, but we offer here 7 basic steps for beginners.How to Make an Organic Garden – Step #1Begin your organic garden by learning your plant hardiness zone. You will need to know your climate, and what organic produce will grow best there. If you live in the United States, you can access the USDA Plant Hardiness Zone Map on many gardening sites or seed websites. Planting directions on seed packets are based on the average last frost date. The last frost date for your area will be the last spring day when you might have a killing frost.How to Make an Organic Garden – Step #2After you have determined your local climate, it is time to choose a location on your property for your organic garden. The area most convenient to your back door may not be the best for an organic garden. Look for a location that never has standing water. Your plants need good soil drainage. Check to see if the plants will be protected from the wind. Will your organic garden be close to water so you can easily care for it?How to Make an Organic Garden – Step #3Next, you will need to test the soil for your organic garden. In the U.S., check online for your county or state Home/Agricultural Extension Service. They will guide you in taking soil samples from different areas of the location you chose for your organic garden. Be sure you label each sample of soil as to part of the garden, and send it to be analyzed. This analysis will help you know what to add to the soil for a great harvest. Remember, one of the basic things you will do in your organic garden is to feed the soil so the soil can feed the plants.How to Make an Organic Garden – Step #4Order seeds, using information about your climate and soil. Be sure you order certified organic seed so that you can have an authentic organic garden. A good online seed supply source is Main Street Seed and Supply. You can buy as little as a teaspoon of seed for a small organic garden, or pounds of organic seed for farming. While ordering seeds, be sure to include onions, garlic, and marigold flowers. These plants can be a first line of defense in an organic garden’s pest control program.How to Make an Organic Garden – Step #5While you wait for your seeds to arrive, you need to prepare the organic garden bed. If there is grass growing in the location, removed it first. Use a sharp, flat-edged spade to slice out the sod. Shake off as much soil as you can, and remove the grass from the area. Till the soil to a depth of about 12″, and work in organic fertilizer, checking your soil analysis to know what amendments are needed.How to Make an Organic Garden – Step #6If you have organic seedlings to plant, water them well the day before you intend to plant them in the organic garden. The best time to set them in the garden is a still, overcast day. If you must plant on a sunny day, take care not to stress the plants more than necessary. Use the seedlings’ pots to determine how deeply to plant them.If you are planting seeds in your organic garden, follow instructions that come with each type of seed.How to Make an Organic Garden – Step #7Apply organic mulch soon after planting. Mulch conserves water, cools soil, and keeps weeds at bay. If you use compost, chipped bark, shredded bark, shredded, shredded leaves, or straw, your mulch will also improve soil quality in your organic garden. Apply 2 to 4 inches of mulch, being careful not to get it too close to the plant stems. Mulch can rot the stems. It can also become a hideout for nibbling little garden mice.Organic Garden Tip:Label your plant rows and keep a record of your garden’s progress. Save seed information for everything in your organic garden. A garden journal, with photos throughout the gardening season, will help you know what you want to repeat or change in next year’s organic garden.
What are anti-ligature blinds?
Anti-ligature blinds are becoming increasingly popular in a range of different settings. The way these blinds differ from traditional blinds is that they are designed to prevent suicide by hanging.
Initially, uptake for this type of blind was largely restricted to high-risk environments such as psychiatric hospitals and prisons, where suicide is common. In mental health environments and detention centres, suicide via hanging is common and preventative measures must be implemented. A huge range of objects could be used to create a ligature point, meaning anti-ligature systems are highly important.
Over the years, anti-ligature blinds have been supplied to hospitals, schools, student accommodation and even hotels.
How do they work?
There are a range of different systems on the market, but the most reliable could well be the magnetic anti-ligature system. YewdaleKestrel® products utilise load release magnets which separate when a downward force is exerted on the product. This means that the product falls to the ground safely and prevents suicide via hanging.
The magnetic systems used in Yewdale’s products are highly reliable because magnets don’t lose their strength for hundreds of years, guaranteeing a lifetime of lifesaving functionality.
Anti-ligature blinds usually have a magnetic connection point above the blind’s barrel. The blind is easy to reconnect to the magnetic bracket after it has fallen to the floor.
If you are considering an anti-ligature blind, Yewdale is a highly recommended company. Based in the UK, Yewdale produce a wide range of anti-ligature products, commercial blinds, and healthcare products including hospital cubicle tracks and medical curtains.
Yewdale produce other anti-ligature products too including a soft, lightweight en-suite door and other accessories such as soap dispensers, toilet roll holder, shelves and artwork. You can see the full range on the website using the link below.
Complete weight loss strategy
For those who want to lose weight
Research on the causes of obesity, knowledge about weight loss, and various diets for weight loss are updated every year. However, with the update of knowledge and the release of diet pills one after another, the obesity rate continues to rise every year, and there is no sign of wanting to decline. I used to be very, very fat, and I am also a person who is prone to obesity.
So I understand the voices of fat people, I really want to lose weight, but I tried many ways to lose weight at that time without success.
I have tried the common boiled meals on the market, eating less and moving more, but it was not until I tried other diets that I managed to lose weight. After I lost weight, I began to study the essence and method of losing weight, and wrote him in this weight loss strategy article, hoping to help you.
A few key myths about losing weight
The weight loss myth of eating less and moving more
The phrase “eat less and move more” is actually true, but most people do it wrong. Many people think that they should eat less of everything, so they limit their calories to a very low level, and it feels a bit like eating an ultra-low-calorie fairy meal. Then, for the hyperactive part, the first thing that everyone thinks of is aerobic exercise such as running, cycling, etc., but in fact, this is a very short-term and easy way to regain weight, mainly because eating too little is an easy way to lose weight. The reason for the loss of muscle mass, coupled with the fact that aerobic training is not helpful for muscle mass growth, causes the metabolism to drop too much.
Maybe you can lose 5 kilograms in this way, but if your metabolism declines, you will easily regain the weight. And it’s all the fat that gets back up, not the muscle you lose that makes you look fatter than before. This is what we call the yo-yo effect, lose weight, get fat back, get fatter than before, lose weight, get back on Fat, get fatter than before.
Stop taking diet pills and meal replacements
At this time, you may start to seek other ways, eat weight loss meal replacements, taking diet pills, and so on. But believe me, most diet pills will inevitably hurt the body, especially the gastrointestinal tract. You may actually lose weight in the moment, but when your gastrointestinal tract is damaged, you will be fatter than before.
The key to understanding how to lose weight
You must have thought, why some people will not gain weight no matter what they eat, while some people will gain a kilogram the next day after eating a little bread? What is the cause of obesity? This is not a simple answer that can be solved!
You can see the link to the picture below, mainly talking about the influencing factors of obesity, which are very, very complicated.
Image source: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/296290/obesity-map-full-hi-res.pdf
In the middle of this picture is the heat balance
So we can know that calorie balance is very important
But this article doesn’t keep preaching that calorie balance is the key to losing weight like other sites
If you don’t know what calorie balance is, you can probably imagine that our body has calorie consumption (exercise, thermogenesis, basal metabolism), and calorie intake (eating).
When calorie consumption exceeds calorie intake, the weight will drop, so the truth of weight loss is to eat less and move more, very simple. In the short term, it is really possible to simply achieve weight loss by eating less and moving more, but simplicity is not simple, because the operation of the body is very complicated. Many people think that they can control their calorie consumption, that they can achieve a lot of calorie expenditure by running all the time, and that eating fairy meals (low-calorie meals) can reduce calorie intake and then easily lose it.
However, according to research, 90% of people who use calorie control, eat less and move more to lose weight will fail or regain the weight.
Because eating less and moving more for too long, metabolism will easily drop, hormones will easily become imbalanced, and muscle mass will easily be lost. Even if you lose 10 kilograms, you will easily regain weight.
When losing weight, the body is like a factory
For me, the key to long-term weight loss and maintaining good posture is the environment in the body, such as hormones, the level of inflammation in the body, and the gastrointestinal system.
Think of the body as a factory
-Your hormones are the managers and workers of factory operations
-Inflamed condition is how good factory machinery and hardware are
-Calorie intake is wages for factories as well as fuel
If the manager of this factory is an idiot, or if the hardware in your factory is completely rotten, then no matter how it works, it will create a pile of waste. Just as our hormones are already out of balance and the level of inflammation in the body is very high, no matter how much you eat, if you don’t solve the existing problems, it will easily accumulate into fat. It may be easier to understand with a few examples.
Hormones vs Weight Loss
This study looked at the effects of sleep and weight loss
Research source: https://www.ncbi.nlm.nih.gov/pubmed/20921542
Both groups of humans were calorie-restricted, but one group slept 5.5 hours a night and the other 8.5 hours. Both groups lost weight, but the group that slept less lost 55 percent less body fat and 65 percent more muscle mass than the group that slept more. It is equivalent to losing weight, but most of the loss is muscle mass, which reduces metabolism and makes it easy to regain weight later.
There is such a big difference mainly because poor sleep has a negative impact. The imbalance of the secretion of these things will easily increase fat and reduce muscle.
This next study looks at the effect of insulin sensitivity on body composition!
Research source: https://www.ncbi.nlm.nih.gov/pubmed/19471290
Basically, many chronic metabolic diseases, obesity, and poor muscle-building effects are closely related to low insulin sensitivity. Insulin is an anti-catabolic hormone whose main function is to store nutrients in cells. For example, after heavy training, our muscles will be more sensitive to insulin, and the nutrients we eat will be more easily absorbed into the muscles. When insulin sensitivity is low, the nutrients we eat are more likely to be stored as fat rather than absorbed into muscles.
We can simply say that the nutrients in the food eaten by people who are insulin insensitive are more likely to be stored as fat, and the relative fat mass will be much higher than the muscle mass.
To put it simply, the key to losing weight is actually to improve hormones, improve inflammation in the body, and add an appropriate calorie deficit. It is not difficult to achieve a calorie deficit. What is more difficult is how to choose the type of food that suits your body to improve hormones and achieve a long-term good body.
If you only pursue short-term weight loss and rely on a lot of calorie deficits to achieve the effect of weight loss, and then the hormones are still the same after the loss, then I can guarantee that you will gain weight very easily.
With so many ways to eat on the internet, which diet should I try?
When talking about losing weight in Taiwan 30 years ago, everyone would definitely want to use boiled meals
When it came to losing weight five years ago, everyone might think of using a low-sugar diet. When it came to losing weight in the past two or three years, everyone might directly think of the ketogenic diet.
I lost 30kg in 3 months on a low-sugar diet myself for the first time, so I used to believe that a low-sugar diet was the best way to lose weight
But after my long-term understanding of weight loss-related research, genetic cognition, and observation of students, there is no diet that is most suitable for everyone! Although it is said that high-carbohydrate foods will most stimulate insulin secretion, which in turn promotes the storage of nutrients into fat, some people are naturally good at metabolizing carbohydrates, so they can still be healthy and strong after eating high-carbohydrate throughout their lives.
For example, this study compared the responses of people with high and low insulin sensitivity to high- and low-carb diets.
Research source: https://onlinelibrary.wiley.com/doi/full/10.1038/oby.2005.79
The study concluded:
-For people with high insulin sensitivity, eating high-carb and low-fat to lose weight is very helpful
-However, people who are insulin insensitive use a high-carb low-fat diet to lose fat, but the weight loss effect is not so good.
But on the contrary, studies have also shown that people with low insulin sensitivity have a very good weight loss effect on a low-carb high-fat diet, which shows that improving insulin is very important for weight loss, and it also shows that people with insulin insensitivity are more suitable
Lose weight with a high-carb diet.
So if you have been obese for a long time, you know that you eat carbohydrates easily, or you know that you have diabetes in your family and want to lose fat, then I would suggest that you can start by reducing carbohydrates, which is what we call low carb diet!
The Negative Impact of E-Levy on Mobile Banking.
DEFINITION OF TERMS
Mobile Banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet.
Electronic Transaction Levy or “E-Levy” is a tax applied on transactions made on electronic or digital platforms.
ADVANTAGES OF MOBILE BANKING
Mobile banking offers numerous benefits such as ease of transaction, convenience, time-saving, managing your finances, and budgeting. Some advantages of Mobile Banking in remote areas include:
Financial Inclusion — mobile banking offers convenient and easy banking services to people in remote areas. Thus, it allows banking on the go and offers all benefits of a banking system to rural areas without the presence of a financial institution.
Accessing the bank 24/7 — Mobile banking provides ubiquitous banking services without the need to visit the bank to have access to services. This offers time to benefit and ease of transacting at a distance.
Cost-benefit — Mobile banking saves the banks the cost of building physical infrastructures (branches) and maintaining branches and staff. Also, reduced costs on the customer side since the burden of visiting the bank for services is eliminated.
Improving resilience in the face of poverty — Mobile money acts as both a savings vehicle and a means of transferring funds during times of economic or environmental shocks.
Strengthening the formal economy — For many micro, small, and medium enterprises (MSMEs), opening a mobile money account can facilitate access to formal financial services. Mobile money is well placed to address the issue of informality that blights many developing economies and hampers domestic resource mobilization efforts. Mobile Money enables ease of transacting, thus increasing business profits for MSMEs.
Facilitating economic growth — Mobile money has been shown to contribute to economic growth by increasing both productivity and per capita incomes
DISADVANTAGES OF E-LEVY ON MOBILE BANKING
The design of mobile money taxation policy appears to be the antithesis of a well-designed tax system. The disadvantages include:
Inequity — Mobile money taxes as currently structured to create inequity in the tax system. As the tax is mostly borne by the poor and users of the services are subject to additional taxation (unlike bank or cash transactions), the principles of both horizontal and vertical equity in the tax system are contravened.
Uncertainty -. Uncertainty and lack of transparency over taxation systems can have a direct impact on the operations of the tax authority, increasing enforcement costs, as well as discouraging investment.
Inconvenience — The administration of mobile money transaction taxes creates an inconvenience for MMPs who must calculate and collect the tax on the revenue authority’s behalf. There is an additional inconvenience for users of the service for whom remote digital transactions become more expensive or out of reach if they revert back to cash.
Inefficiency — Badly designed mobile money taxes have been shown to have a distortionary impact on demand for mobile money services. This in turn has had negative impacts on overall tax takes, as well as impacting the attainment of national economic and development goals.
EFFECT OF MOBILE BANKING — CASE STUDIES
The decision to impose taxes on mobile bank transactions will trigger so many problems.
Ghana — According to The Fourth Estate Ghana; Although the government projects a 24% decline in transactions when the levy is finally implemented, preliminary findings published by the bank of Ghana indicate the value of mobile money transactions had dropped by 3.2 billion in December 2021, less than 2 months after the proposal to introduce E-levy.
Uganda — An e-levy of 1% introduced in 2018 has led to an overall drop in the person-to-person transaction by more than 50%, and a 24% drop in industry transactions within the same year the tax was introduced according to a report by Global system for mobile communication (GSMA).
Congo — An e-levy of 1% was introduced in 2019. The government had to reverse the tax on cash outs only due to negative results of the levy on Mobile money users such as a decline in mobile money agents (unemployment) and high-value withdrawals by people.
Other countries include Benin (5%) and Cameroun (0.2%). In all these countries, the e-levy has imposed a negative effect on the economy and people. If we want to ensure the financial inclusion of people in rural areas, we need to ensure that we encourage mobile banking by withdrawing the e-levy tax.
Reference:
https://thefourthestategh.com/2022/03/16/e-levy-this-is-what-happened-when-other-african-countries-passed-it/
Purohit, S., & Arora, R. (2021). The benefits and challenges of mobile banking at the Bottom of the pyramid. Journal of Contemporary Issues in Business and Government Vol, 27(1).
Charles G. Kpan, Jr. is an Information Technologist with over 5 years of experience in the provision of Information Technology Services and an emphasis on Web Development and Visual Branding. He’s the managing Director of CYGEC IT SOLUTIONS INC. and holds a bachelor’s Degree in Information Technology from Blue Crest University, Liberia.