Fashion Trends – The Latest and the Best
The only constant factor in the world of fashion is change. As we all know fashion keeps changing practically every minute and people strive to keep up with the new trends all the time. Now fashion does not involve just clothes and its accessories alone, whether it is for man, woman or child. New trends in urban fashion permeate into all the different aspects of a person’s life, be it in the home, the office or places of entertainment.Keeping up with the trends in fashion are an on going process, and those who are keen on being in the most fashionable list definitely have to be on the alert all the time.When it comes to the question of clothes, nobody likes to compromise. Some of the latest trends in the women’s fashion; leggings are ones in trend now and worn with matching tops look good on peoples of all sizes. Colors also play a significant role in fashion, with certain colors being the fashion of certain seasons.The accessories that go along with clothes are also very important to give you that in-fashion look. A simple dress set off with stunning accessories like ornaments for the neck, hands and ears can turn heads your way.The best means for those in the fashion industry to keep track of the trends is to conduct regular surveys and consult specialists when buying new stock for their stores. Keep your eyes and ears wide open observing and imbibing the fashion trends in the celebrity and fashion magazines.The power of the consumer is greatly prejudiced by the media, but restricted by the economy, so learn the customer needs as they will be helpful pointers for giving you an idea of what is currently being purchased. Magazines like the Vogue, Elle, InStyle, etc also have active forums for the consumers.These days with every change in the trends one will see new versions of existing standard fashion. When you think of it, fashions of the earlier decades are now back in fashion, taking the form of spandex and leggings by giving it a new fresh look. Fashions of the early 80′s and 90′s are now enjoying a revival with the top fashion companies using them in their advertisements. The ideal way to foresee trend is to look for it in vintage shops, and particularly on the streets and on online displays that discuss what is being worn in major towns and cities.But for the wearer, remember that giving up one’s comforts to be fashionable may help to make you look glamorous and wonderful; it may be harmful to health. So beware of back aches from constant high heels and heavy handbags, or stretched ear lobes due to fashionable heavy earrings. And last but not least wear, decorate, or utilize what suits you best.
Should I Hire a Private Home Tutor For The Best Child Education Services?
It’s no secret that children today are bombarded with distractions. From worthless reality TV shows, portable gaming consoles, the lure of sex, drugs and alcohol-more and more minors are losing perspective and failing to prioritize education and learning. Our liberties as a democratic nation have, somehow, hurt the importance of child education services in our society. Instead, a greater value and price has been put on self-expression and personal freedom. This has made quality education close to being a relic of the past. If your child is suffering from bad grades and you find that getting him or her to school is like pulling teeth, then perhaps it’s high time you got some reinforcement.There may be many reasons why your child’s grades are slipping. A schoolyard bully could be putting pressure on your little one and causing anxiety-making school a negative environment that your child would rather be far away from. Perhaps the subject or subjects that your child is failing in is just not as interesting or perhaps the teacher may not be communicating well to your child. Whatever the reason may be, getting your child a home tutor could be a great thing.A classroom setting, while ideal in helping kids learn to cope with others at a set pace, may prove challenging for other children. The problem with a classroom setting is that there is a great tendency to overlook the personal needs of a child which could impede his or her learning progress. A home tutor will work at your child’s pace and can give complete, undivided attention that your child needs. Most children get shy when asked to perform or participate in front of a group. A one-on-one setting could prove very fruitful in encouraging your child to reach his or her potential. It’s easier to build a child’s self-esteem on a more personal level and then proceed from there.In other cases where a child has no problem with going to school but could stand to do better academically, a decision to hire a private home tutor can still be very helpful in reinforcing the lessons that your child has learned for the day. That way, the learning doesn’t stop in the classroom setting and instead is learned through and through thereby helping your child advance. As long as you choose the right tutor for your child, getting extra help to boost your child’s academic performance could be one of the best choices you make.
Google AdWords Vs Google AdSense – Do You Know the Difference?
Google AdWords can very easily be mixed up with Google AdSense and if you are not an internet marketer, they can be very difficult to tell apart. In fact, on my first attempt at online marketing, I just thought they were two Google products that were ridiculously similar! However, there was one thing that I kept hearing people say and that was that they were both useful in making easy money!So, I hear you ask – What is the difference between Google AdWords and AdSense?I will make it as simple as I have come to understand it. Google AdWords are advertisements in the Google search engine that are listed under ‘Sponsored Links’. You will find this at the top right of your Google page or above the free, organic search results. So, if you’ve ever looked at the sponsored list headings and thought – “How do those people get their product/site up there?” The answer is they have an account with Google AdWords and now they are reaping the benefits by driving tons of traffic to their site and having an increased presence online.Don’t get me wrong, having your Google ad for all to see is not free and Google does charge you a small fee for the privilege, if it didn’t, everyone would be up there and that poor right hand corner would be coming down with ads! However, if used wisely and with the right keywords in your ad, you are guaranteed to make your money back and severely increase your profits. In fact, Google AdWords is seen as one of the most powerful ways to take you from zero sales to hero sales in the shortest time and with the least effort.More importantly, you only have to pay Google when someone actually clicks on your ad, this is the fairest way to do business rather than paying Google a set amount and getting no traffic or sales anyway. In this way, it is a reliable and honest system. My advice is to find expert information about AdWords online, take a day to familiarise yourself with that knowledge and then your business is set for success.Now let’s get comfortable with Google AdSense. This is nothing like Google AdWords, surprisingly it operates the opposite way, that is, Google pay you! In simple terms, if you have a site or blog and want to earn extra cash, you place a Google ad on your site. This is not your product, it is theirs and you will give them free advertising and promotion by putting it out there. In return, you get money when someone clicks on it. This is a great tool for fast cash but is not a long term business plan. If you are just blogging for fun or have a small product site it is ideal but it’s not going to get you a second home in France right away! Google AdWords, on the other hand, is designed for those of you who are more serious about business and need a long term strategy to drive traffic and sales to your site. It is ultimately one of the quickest routes to success.
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.