A Beautiful Home of Dreams

Today we think and worry about the fact that the world is becoming more and more polluted due to increasing traffic and industries. The environment is getting worse day by day. But it has been scientifically proven that the air inside our homes is more polluted than the air outside. Our homes have become more polluted than the environment due to use of artificial things, materials and chemical products used for cleaning and maintaining out homes. To keep your home environment friendly always keep it clean, tidy, rubbish free and dust free. This can be done by vacuuming and dusting frequently.We always want to relax and comfort ourselves at home. But if our home is not clean and tidy we will never be able to achieve our goal. To make your home comfortable and relaxing design it naturally. Use environmentally friendly materials to design and decorate your home. Use natural fabrics in your home like hemp, bamboo, indoor plants and other natural materials which are grown and harvested in an earth friendly manner. By following healthy design trends, we can opt for environmentally healthy homes. Health of your home and your family are the most important factors when you design your home.This trend is extremely easy and beautiful to live with. Sophisticated living with environmentally friendly design can convert your home into a warm and cozy place to live in. Decorating and designing your home with natural ingredients, takes your home to new heights and provides you with uncompromising style and sophisticated living.Home interior designing improves the overall look of your house. To make your home designing affordable, recycling is the best option. Reusing plastic containers, wood, paper and cans, reduces the cost of designing your homes. Reuse of materials and a little bit of creativity can help you save a lot of money. A mix and match of old and new trends can make your home look attractive and unique. While you design and decor your house the most important thing to consider along with creativity is the proportion and balance. Coordination between the two is very essential to make the house look beautiful and attractive.Even colors play a very important role when you design your home. Go for bright colors for your home. You can even try bold color on one of the walls. Choosing colors for your home is one of the most important factors.

Are You Stuck in the Day-To-Day Operations of Your Business?

Business Operations is the compilation of all the activities carried out inside a company that keep it running and generating revenue.In standard business plans, the operations section is dedicated to helping business owners understand what systems, tools, people, and processes will be needed for the company business model to function.A few examples of business operations:
Creating and maintaining key systems needed to run a business, including customer service, billing, communications, marketing, deliver, and backup

Creation of processes, tools, and players for key systems within the business

Management of systems that control access and login information

Establishing decision-making guidelines for team members

Creation and maintenance of your Standard Operating & Procedures (SOP) guide

Setting up effective backup systems to control company information

Creation and management of systems that process payments

Implementation of business tools and software to manage multiple systems

Managing the process of delivering products and services to customers

The operations area is a constant segment of your business and requires daily attention.And this where most women business owners get stuck!In the beginning stages of your business, it was just you. Just you making all the daily decisions and executing the many tasks that must be performed each day to accomplish goals and strengthen your business model.As your business model proved successful, the endless task list began to increase exponentially. Business decisions and responsibilities increased. Quiet, creative, and productive time to focus on growing the business was more and more limited and many times downright non-existent.As women in business, we must stay focused on those areas of business that ONLY we can do – everything else must be delegated to a team!The Visionary and CEO role in the business at this level needs to stay focused on very high-level leverage tasks that will grow your business, such as:
Big Picture Vision

Marketing and Sales

Delivery of Services

Content Creation

Creating New Products

Partnerships

New Sources of Traffic

Everything else you need to get off your plate – much of this lies in the day-to-day operations of your business.If your business has reached six figures, hold on to your seat belt because your company has taken on a life of its own.And this is the point where you are most likely feeling that you’ve hit a ceiling and are even feeling a bit burned out. You may not see how you will be able to grow past the current challenges.Bad news… good news…You won’t be able to break that ceiling when you are the only one in charge of everything. The good news is that it does not have to stay that way.A seasoned online business manager is the perfect second-in-command to pull you out of the day-to-day operations and marketing management of the business. You’ll have the time, energy, and focus you need to work on those high-level leverage tasks that will grow the business.You can’t possibly expect to grow if you don’t position someone else in your business to be your “Mini-Me” – to take the day-to-day operations and management of business off your plate with the support of a team. Your business is now bigger than you are, and in order for it to continue to grow, you must have your operations running smoothly and cost effectively.Isn’t it time that you are LIFTED out of the day-to-day activities so you can work ON your business instead of IN it?

3 Ways To Keep Up-To-Date With Fashion Trends

If you are into fashion, you may be looking for ways to stay up to date with the current fashion trends. Fashion trends continue to change with the passage of time. If you want to stay ahead of the game, you may want to be organized. In this article, we are going to describe three ways to help you to stay updated with the most recent fashion trends. Read on to find out more.1. Watch Fashion Shows You may want to stay tuned to fashion shows like New York Fashion Week. This will help you find out about the fashion pieces showcased by experienced designers. However, if you cannot attend these types of events, you don’t need to worry. The good news is that many of these shows are streamed on the internet on many popular websites.Since this type of shows display latest trends at least one season ahead of time, you can have an upper hand, as you will know about the latest trends. This way you will have plenty of time to get ready before the season begins. If you love fashion, you can watch these shows as a therapy.According to experts, you may want to consider brands, colors and shapes that are quite common among designers. On the other hand, if you prefer photos, you can check out different fashion websites. They can be a great source of inspiration for fashion enthusiasts.2. Try Celebrity Style Another great way of finding out about the latest trends on the market is to find out what celebrities like to wear. You don’t have to have any personal interest in their private lives. All you need to do is to keep an eye on their style. In this case, you can choose any celebrity that you like the most. These personalities have a great impact on fashion trends. Although their looks are bold, retailers offer different variants of the outfits they promote.3. Check out Social Media/Blogs and Magazines If you want to check out fashion trends while travelling, you can check out a lot of bloggers, social media pages and magazines. On the other hand, if you prefer print media, you can choose from a variety of fashion magazines. Similarly, you can get to know a lot about fashion trends by checking out the top fashion blogs.Typically, bloggers obtain information from popular magazines and TV shows. The good thing is that you can find links to the source of information to make sure that the information available on their websites is reliable. Therefore, if you want to be on the safe side, we suggest that you stick to the top bloggers out there.Long story short, if you want to stay up to date with the latest fashion trends, we suggest that you try out the three methods we have discussed in this article. This will help you try out things that are in fashion. Hope this helps. A little effort goes a long way.

Google Places Visibility Is The Best ROI For A Local Business – 4 Optimization Techniques

Google places visibility is what a local business owner needs first before SEO don’t get me wrong, SEO has its place but it is best suited if you have a business you market globally or strictly online.Plus SEO takes longer to get results than Google Places visibility which can just take days if you know how to optimize your listing.With Google places visibility a local business has its telephone on show, maps and directions not to talk of reviews that any local searcher within mostly a five mile radius can verify and contact straight away.With the new buzz on local mobile, searchers are increasingly searching for local businesses via their mobile phones on the go. Because of that Google has made all Google places visibility listings mobile friendly. Which means the listing is optimized for a viewing on mobile phone.4 Key Optimization Techniques To A Successful Google Places Visibility Listing Are:1. Fill out all the boxes.

Go to Google.com/local
Click get started
Add new listing
Complete name, address and telephone
Complete website address
Enter category
Add your own category for your target keywords
Hours of operation
Select all visitors come to this addressImportant: Listing Rules

No location in the business title.
Only one listing per address
Unique telephone number per listing
Don’t spam
Don’t keyword spam2. Add 10 images

You can use any images that represent your business
Important: name the file the keyword you want to rank for (e.g plumberliverpool.jpg)3. Create videos from the images

Use Animoto.com to put it together. 30-60 seconds is enough
Important: Call the video FILE the keyword you want to rank for (eg plumberliverpool.avi)4. Upload videos to YouTube.com

Use keywords as title, description, and tags
Enter business name, telephone, address and descriptionA lot of local businesses have been sold to death by SEO companies taunting first page Google when what they really need is Google Places visibility.Come to think of it you are still on the first page for your keywords and higher up because Google gives preference to local search and what would take months o achieve with SEO would only take days with a well optimized Google Places visibility listing.Only 3% of local businesses worldwide have claimed their listing so it is easier to get seen by local consumers if they are optimized. With these guidelines a small business cannot go wrong.

An Inside Look at the Importance of a Smile in Sales

If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).

Smile: Your Sale Depends on It!

Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:

• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!

• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.

• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.

But What If You Don’t Like Your Smile?

If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!

Where to buy beautiful rugs, floor mats and more.

Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide!

QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in one place without worrying the shipping fee. You can collect all her original art pieces and open editions from your comfort zone in just few clicks. All original artworks will be shipped straight from the country of exhibition with free shipping worldwide. Home décor on QueenNoble is not your usual home decoration items. Every items were designed by QueenNoble Dr. Elle Ramirez exclusively made from handmade paintings turned to manipulated photos to make stunning designs for every home décor items such as the rugs, lamps, wall decors and more. Of course the original artworks of QueenNoble are all available to every collectors who collect only original artworks. The prints are premium quality, framed and ready to hang for everyone’s convenience. Rugs, lamps, pillows and others are designed by QueenNoble, and then manufactured by partnered companies in Europe and in The United States.

The artist And Designer QueenNoble

Dr. Elle Ramirez also known as QueenNoble is an American international fine arts artist, designer, sculptor, photographer and an author. Dr. Ramirez creates rare textured and embossed abstract artworks from wall sculptures to embossed paintings. Her career began from year 2006 up to this present day. (See Wikipedia.)

QueenNoble is known for her textured and embossed abstract artworks mimicking planets, natural stones and rocks, abstract engraved portraits, several monochromatic and vivid concepts.

“Live Minimal” is one of QueenNoble’s art books released year 2021. (See Google Scholar Books)

QueenNoble is also an author of several mental health books like “Quarantine: The Challenges During Quarantine and How to Keep Our Sanity”. QueenNoble is also the author of the Novel called, “The Cart Season 1”. (See more on Amazon)

One Of A Kind Products You Can Buy On QueenNoble

One of a kind luxury collectibles with certificate. Unique items designed and curated by QueenNoble Dr. Elle Ramirez are now available on the official website. One collectible is to one collector or owner. Collectibles can be a wallet, bag, a piece of art, a furniture, a dress or a shirt and more. A first come first served basis. Handmade with love and attention. Own something that no one has in the entire world. Only on QueenNoble. What will you get on the top of that? You will receive a certificate of authenticity upon receiving your item. Free shipping worldwide. Free repair and replacement in case of a major manufacture error. Most items are handmade and are genuine leather so slight imperfections are visible which are the signs of most genuine leathers in the market. Varieties of items and vast selections although items are very quick to be sold.

Who does not want a one of a kind item? It is really disliked to run to someone with the same exact dress in an occasion or a business meeting! Now on QueenNoble not only original hand-painted artworks are available now you get to wear an art yourself anywhere and anytime. Display a furniture or a décor and be asked by a friend or a colleague, “Where can I buy one?” and of course the answer is “You can’t buy that in the market.” Because It is only one!

What happens after you buy a one of a kind on QueenNoble? The price increases yearly for 10 years. What an investment for yourself or a luxurious lifetime gift for a special someone!

From the author’s words:

If you are a collector and a shopper, QueenNoble is definitely where to go specially if you are looking for unique designer’s décor such as rugs, comforters, bags, wall art etc. A lot of selections to choose from. The designs are contemporary and modern. In one look you know where the products are from since you can only find them on queennoble.com. The processes are also very convenient and shipping is fast worldwide.

I bought a one of a kind bag. When I received it it came with an envelope consisting the certificate. The leather bag is stunning. Fast shipping and free delivery. They also offer free repair in case there is a manufacturer error for free.

Note also that if you are a merchant you can sign up on their trading program. There is a 15-30% commission. Less work for you all you do is share the url of the product and your designated coupon code which you’ll receive when you sign up and you get paid everytime someone uses your coupon code. Sound interesting right? Copy code, share url and code on your social media and earn as you go.

QueenNoble is also on Saatchiart, Artmajeur, Singulart Galleries. On QueenNoble’s original artworks, all artworks with certificate of authenticity will be shipped straight to the collector from the current exhibited country and also free shipping worldwide.

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.

10 Unsafe Symptoms of Cell Phones Usage on Teens

10 Unsafe Symptoms of Cell Phones Usage on Teens

Over and wrong utilization of PDAs can harm mental as well as actual health. Parents might consider giving their teens cell phones for security motivations. Be that as it may, the conceivable abuse and opposite symptoms of cell phones on young people are not obscure. While it effectively is mindful of your kid’s whereabouts, taking into account its antagonistic consequences for teens is significant. As indicated by a review led by the Seat Exploration Center, around 785 of all youngsters between ages 12 and 17 have cell phones (1). It is a typical sight these days to see a gathering of youngsters standing together yet having no discussion and being engaged with themselves. Teens utilize their cell phones to call their folks and do other great and awful things. Around one of every four teens approach the web, definitely more than grown-ups. Look at the post to know whether cells are great for teenagers, the adverse consequences of PDAs, and tips on the safe use of cell phones.

Impacts Of Cell Phones On Youngsters

There is no question that a cell phone is a convenient device. It facilitates correspondence with partners, companions, and family members. However, every innovation that gives such advantages comes with a bunch of adverse consequences. The effect of cell phones on youth and society is tremendous. This region requires consideration when you are giving your high schooler a phone. This is the way PDAs influence, teens.

Teen tendonitis (TTT)
Abundance generation of messages can prompt High schooler Tendonitis (TTT). It causes torment in the hands, back, and neck because of the unfortunate stance. As per a five-year partner study, extreme phone use is known to bring about outer muscle problems, for example, tendonitis and first carpometacarpal joint pain in the lower arm and thumb.

Stress
Having a mobile phone will entice your high schooler to go the entire day talking or messaging as opposed to doing useful things. Studies have demonstrated that youngsters who invest a lot of their energy in their cells are more inclined to pressure, uneasiness, and melancholy. Research has additionally tracked down that extreme utilization of cell phones might bring about an expanded gamble of emotional well-being issues.

Sleep misfortune
Most teenagers keep their phones close by while resting to answer messages and calls and stay reachable nonstop. This might prompt rest interference and disturbance. Investigations have discovered that young people who use cell phones after the lights out experience expanded sluggishness. Additionally, undergrads who use phones after the beginning of rest are accounted for to be alert an extra 46 minutes out of every week.

Mishaps
Adolescents will quite often go to calls and text while driving, which is demonstrated to be risky. As indicated by the Places for Infectious prevention and Counteraction (CDC), adolescents are bound to be diverted more than drivers of some other age. Thus, utilizing a mobile phone while driving ought to be a severe no.

Uneasiness
Depending on messaging as an essential method of correspondence can increment uneasiness in youngsters. Messaging is right away satisfying, yet it likewise creates tension. The moment answered by a companion can give pleasure and euphoria. However, if there should be an occurrence of deferred reaction or no reaction, this equivalent joy can transform into disillusionment. Likewise, mobile phone habit can transform into a fixation to promptly take a look at messages and answer. It might likewise increment tension by making a deception that they had gotten a message in any event, when there was no message, making them regularly look at their telephones (3).

Hazard of malignant growth
Despite the fact that there’s no obvious proof of the connection between wireless use and disease, there are a few measurably huge relationships in certain individuals. Information gathered from five European nations have shown an expanded gamble of acoustic neuroma in people who utilized a cell for at least ten years.

Despite the fact that there is no unmistakable examination supporting the gamble of malignant growth and cell utilization, it is said to have a wide scope of well-being impacts.

Cyberbullying
As indicated by a review led on 13-18-year-olds by Cox Interchanges, 15% of kids had been cyberbullied on the web, 10% had been cyberbullied by cell, and 5% had cyberbullied someone else through a phone.

As indicated by a review, cyberbullying makes young people miserable and reluctant to go to class. This study has likewise observed that youngsters who are cyberbullied have a higher gamble of psychosomatic issues, for example, incessant migraines, issues nodding off, a higher pace of tension, and depression.

Cyberbullying is considerably more challenging to recognize than actual harassment as it will in general be more imperceptible. Additionally, the culprits can take cover behind the obscurity presented by the web.

Bogus distinction
The most recent advancements in cells have made it simple for youngsters to get any data. The majority of the things projected via online entertainment and the Web may not be exact, yet teens who are innocent (at their age) could view them in a serious way and get impacted. This could lead them to live in a dreamland and foster bogus renown. Some may likewise turn to wrongdoings to satisfy their dreams.

Heftiness
Steady utilization of phones may likewise cause weight in young people. As indicated by a review led by Harvard T.H Chan School of General Wellbeing, youngsters who spend more hours daily on phones are bound to become stout. The concentrate further says that youngsters who spend over five hours daily before screens are 43% bound to get less rest or exercise, bringing about weight

Vision issues
Expanded utilization of mobile phones is said to cause vision issues in young people. According to a review led by 30 clinical understudies, 83% of them were found to have wireless vision conditions. The side effects incorporate pressure, redness, consuming sensation, obscured vision, and dry eyes.

Over-the-top use of mobile phones outperforms their value and makes new issues for young people. While you may not prevent your teen from utilizing a mobile phone, it is feasible to restrict the use by laying out some guidelines.

Prior to giving wireless to your youngster, ensure they know about the focuses underneath.

Tips On Safe Use Of Cells For Youngsters

Cells are staying put, basically not at any point in the near future. Along these lines, you want to show your adolescents about cell phone security and how to dependably utilize it. They additionally need to have concurred limits for cell phone use. Here are far to stay away from the antagonistic impacts of cellphones on youngsters:

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.