Understand Finance in Depth With Online Personal Finance Courses
Learning about finance is not that easy and is sometimes quite boring too. The subject is considered to be quite dry and tough at the same time. But with the help of the online finance school the case does not remain the same. Now people can easily learn about finance and can be an expert in the field. There are many web sites that are working as an online school that are providing online courses as well as the trainings to the people in order to make them an expert in the area. The people can get to learn about many difficult concepts with great ease and simplicity. You can take any course which is related to your field on interest. Even if you are totally unaware of the concepts that are used in that subject, you can still be an expert by taking these online courses. Your online finance course can be really helpful in making you understand about the terms and concepts used in the field of finance. You can learn about many difficult concepts without any difficulty. There can be numerous ways of learning finance but the best results are seen in the online courses.In order to know more about the personal loans and finances you can also take the online personal finance course which can be really helpful for you in many dealings of yours. If you are a beginner and have just started your learning in the area of finance then you must not worry as there are many great online courses for finance that are especially designed for the beginners in order to help them out by making their path of finance easier and simpler for them. Also the most difficult concepts become quite easy due to the simple methods and courses along with the trainings that are provided by the online schools that intend to make finance a lot easier for the people and in order to develop more interest in people they have made the enrollment method very simple for them.There are other courses and trainings too that are offered for many difficult subjects for example you can have the online economics courses and also the online stock market course which can be very helpful for you in learning about these fields and areas. You can also have the trainings and tools that are related to your field along with the courses and will also get the certificate upon the completion of a particular course.
A Snip Of Technology News From The World
Finding technology news is the easiest job today because technology today is moving so rapidly that every week there is more interesting news than the previous week. In the sphere of consumer technology there are some rumors, some real life news and some confirmed scoops that cover every week and better if we could have some way to distinguish between the news and rumors.There have been serious activities in UK to cast the anti piracy net. This is necessary to sort out the semi illegal activities happening through this country in the internet. Some of them are innocents who have also been included in this huge net of legal tangle. Naturally the innocent companies are making lot of noise but the powers be are not very open to suggestions in this regard. Presently the situation is that they are selectively releasing some of the not so tainted companies from the blocked list and this is the only positive hopes from the situation.The strong rumor of cheaper Apple phones is growing stronger but many experts believe this is not feasible in the near future. The main stumbling blocks in this rumor are the older models of devices from Apple only. These are made cheaper once a new and improved model is introduced and that does take care of the price war with other competitors. This has worked till now but inch by inch the company is losing ground to competition. May be they will really think about this in innovative ways and introduce more glass and fiber to get the pricing suitable for the developing nations and have a stronger and broader customer base.Google or the internet (as some experts prefer to call it) is desperately trying to break into those grounds they are either not allowed or not getting enough footholds. Schmidt’s recent visit to North Korea was an attempt to break the standoff with earnest pleas. Whether he succeeds or not will take time to conclude. The visit was high profile one and in contradiction to political objections. The relation between two countries is not cordial but that air of antagonism has never stopped or forced any business from withdrawing any of their business initiatives. Many are also very optimistic about the buildup which has the potential to open the country to new ideas and interactions with others with exchange of thought. Some are also skeptic.Samsung, the new rising star of Smartphone manufacturing is once again at forefront for producing the flexible screen device. Given the technological complications they may start with a tablet and they minimize it for Smartphone. There are still many issues left to be sorted out and right to say that it is still in the design board. ‘When’ is a big question for them and us today and there is still no definite answer.Some more activities are happening to provide smarter and faster communication. Many of them will not find customer acceptance to fall flat on their faces. Some will win the respect of technology of the century and even then the daily updates will still talk about the emerging technologies. Follow this, tomorrow is here.For further details on technology news reviews go to The National.
How Does a Parent Make a Special Education Referral for Their Child?
As a parent, you may make a special education referral for your child at any age up to sixteen. Many parents believe that only school personnel are allowed to do this and that is incorrect. According to Section 300.300 of the Individuals with Disabilities Education Act (IDEA), “either a parent of a child or a public agency may initiate a request for an initial evaluation to determine if the child is a child with a disability.” There are different regulations and procedures according to the age of your child that I will outline here.If your infant, toddler or child is not in school and you suspect that he/she is not developing appropriately and that your child may have a disability it is a good idea to discuss this with your child’s pediatrician. They have specialized training in detecting disabilities and will make a referral to early intervention services for you if they concur with your suspicions. It the pediatrician does not concur they will usually provide you with some education and suggestions regarding your concerns. Many parents are unaware that children with disabilities are entitled to certain services from birth. Early intervention is often referred to as the Child Find Process.If your child is in school and you suspect that he/she may have a disability that impedes his/her learning it is best practice to discuss your concerns with your child’s primary teacher. School personnel should be trained to look for clues that a child may be in need of special education services. In fact, the teacher may have already requested support and pre-referral interventions from the school’s support team due to their concerns. School personnel are obligated to attempt to remediate the child’s academic and/or behavioral concerns with research-based interventions for a time period prior to them being able to make an official referral. Pre-referral interventions are not considered part of the evaluation process for special education services.The law in Part C of IDEA (for children birth-age 2) indicates that children who are referred to early intervention services requires that a screening, an assessment and the initial meeting need be completed within 45 days of the referral. The law in Part B of IDEA (for children age 3-21) states that the initial referral must be conducted within 60 days of receiving the parental consent to evaluate the child. There are exceptions to these timelines if the parent or child are not available for evaluation, or of the child is moved to another public school district and sufficient progress has not yet been made on the evaluation.If you do not feel like you are getting the results you want with your child’s teacher or pediatrician and you have significant concerns for your child, you may write a letter to your local school district indicating that you would like your child to be evaluated for special education. Early intervention is crucial for children with disabilities, which is why there are federal and state laws mandating evaluation and services from birth through the age of 21 of children with disabilities, when appropriate.
How Can a Small Business Cut Costs Using Goggle Apps?
Almost everyone knows that Google is the worlds number one search engine. However, few know that this internet superpower has a collection of solutions that can help small businesses save a lot of money. At only $50 per user, its Google Apps bundle is loaded with useful applications that offer proven cost savings for smaller companies that require an enterprise-class data sharing and collaboration software infrastructure.What is Up With Google Apps? Google Apps is a collection of web-based business productivity applications. The collective grouping of these individual tools essentially make it quite similar to the Microsoft Office software suite. However, unlike Office and traditional software suites that are installed and stored on a local drive, these applications are hosted exclusively in the cloud, a revolutionary computing model that enables data and software to be accessed online. Because of this structure, Google Apps is able to facilitate access and collaboration more efficiently than Microsoft Office and other traditional software suites. In fact, this dynamic set of apps allows your small business team to share and work on the same documents or projects from just about any location in the world with web-based access.Saving Money with Google AppsIf you are not familiar with Google Apps reputation as a cost cutting machine, let us explain how it can help your business save money and boost productivity. In simple terms, it allows small businesses to pay a minimal annual fee in exchange for the ability to upload, share and collaborate with a variety of documents, including forms, presentations, spreadsheets and even traditional word documents. These documents cannot only be shared, but also backed up online, providing professionals with instant access to their data even if their local hard drive is corrupted, infected or damaged in any other way. More small businesses are ditching Microsoft Office and similar solutions in favor of Google Apps because of its significant cost savings.No Expense Investment on InfrastructureRunning a Microsoft Exchange Server in-house can be a very costly venture, particularly for small businesses working on a tight budget. Not only must you purchase the software, but also have IT personnel capable of keeping the system up and running. With Google Apps, there is no expensive hardware or software to buy. Google maintains the server hardware, the software, and all the technical aspects. Taking this outsourced approach to your software infrastructure allows you to focus on the critical aspects of your business while saving money at the same time. Not only that, you are assured a 99.9% uptime guarantee and the backing of Google’s world-class infrastructure.Perfect for the Small FishGoogle Apps is the ultimate productivity tool for small companies, providing a way for the little guy to operate like the big brands with long corporate dollars. In fact, it is estimated that this software suite is up to 70% less expensive than running a Microsoft Exchange Server internally or through a hosted service. By making a small investment in Google Apps, you can dramatically reduce the time required to manage vital IT tasks and devote your attention to what is most important, running your business.
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.