1ClickGuide.com: Guide 1ClickGuide.com: Guide https://www.1clickguide.com/guide/ Copyright by 1ClickGuide.com en 1ClickGuide.com Fri, 18 Oct 2019 10:36:36 -0400 Transgender Dating Sites - Date a Transgender Woman

Dating is something amazing if you are capable of maintaining a healthy relationship. Mutual trust and love are what keeps the relationship flowing. You are probably spotting a lot of couples in love around you. You are either annoyed by them, or you want the same thing as they have. It's only natural to want to feel loved. We see it all the time in movies and TV shows. But things don't go as smoothly and romantically as they do in films. You have to search for your special someone until you find them.

All of our lives are exposed online. We post pictures daily, share different types of experiences, and give our opinions through social media. Since technology is so advanced, then we can even find love online. It's quite easy, actually. We see someone on Instagram, develop a crush, and message them.

The same thing can happen if you log in on a dating site. At least people there are for a reason. You can never know via Instagram if someone is available. People create tons of accounts on dating sites just to find that love interest that they clearly search for.

If you happen to be attracted to a person from the third gender, then you might have some difficulty in finding them. This is because transgender people don’t seem to expose themselves that much. Also, their number is lower than other males and female.

So, if you want to find a transgender woman, then you need to give a chance to those dating sites. They are more helpful than you think, especially the ones that have the highest consistency of transgender individuals. With just a few clicks away, you are one step closer to finding your perfect date. Here are some of the things you should do if you want to find someone:

Create a profile

This will not take much of your time. Basically, you create an online profile so that people can find you more easily. You don't need to have just one, create several. This way, you can get a lot of matches and candidates eager to text you. How cool is that? If you are shy in real life, then you'll feel more comfortable behind a screen. But at some point, you have to face your date in real life. That's how you'll start a relationship. To find out some of the most popular dating sites, click here.

Fill it out

Write about everything that you love and dislike. This will only draw more candidates in. The point of having profiles is that people will have to browse through them. They certainly wouldn’t want to see an empty profile. They will skip on to the next one right away. Be as thorough as you wish. The more people find out new and exciting things about you, the better the opportunity to find what you are looking for.

Make sure that you fill out your profile with all the necessary information. Write about your traits, hobbies, achievements. These things will help you score points with potential candidates. People are attracted to those that are similar to them. Undoubtedly, several of those thousands of users will find you attractive as well.

Upload an appealing picture

Surely you have taken a lot of pictures. Pick the one you look best and upload it. You can upload several as well. The more pictures you have, the more people will find you attractive. First impressions are crucial. Click on the link to discover more details http://mentalfloss.com/article/59509/11-results-studies-about-online-dating.

If you browse through profiles and happen to stumble upon a beautiful transgender woman, then you will feel attracted to her. You can message several trans women at once and chat with them at the same time. If they happen to like what they see on your profile, then they will even contact you at first.

Chat and have fun

One of the ways to figure out how someone really thinks is to start a conversation with them. Keep the conversation entertaining and respectful. If you are chatting with a transgender woman, then make sure to avoid awkward questions.

If you've never been involved in a relationship with a transgender woman, then you might find it challenging at first. First of all, make sure that you ask usual everyday questions. Don't try to make her feel different. Also, her being a transgender person doesn't define her. It's just something that she had to do to feel satisfied and happy.

Ask her on a date

If things are getting serious, then maybe it's time to meet your date in real life. You can easily ask her and hope that she responds with a "yes." If you have been talking for a while now, then surely everything will go according to plan.

You can end up marrying this person for all you know. And you will always thank the dating site that brought the two of you together. Don't be shy about it. Confidence is sexy, and people see it as an attractive quality. That’s why when you ask her out on a date, make sure that you don’t take no for an answer.

Have a wonderful experience

The point of online dating is to meet new people and find out about their preferences and tastes. You can find on the sites people from different states, nationalities, sexual preferences, and genders. Anything you desire is on those online platforms. They bring all people together in their search for a potential soul mate. 

Just make sure to avoid any rude people that want to insult or offend you in some way, because there are those as well. You can always block or ignore them. A lot of people that meet online end up spending the rest of their lives together. This can happen to you, as well. Whatever your reason behind getting involved in the online dating world, it will surely be an enjoyable experience in the end. 

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Dating and Relationships https://www.1clickguide.com/guide/transgender-dating-sites-date-a-transgender-woman-164.shtml https://www.1clickguide.com/guide/transgender-dating-sites-date-a-transgender-woman-164.shtml Editor Sat, 31 Aug 2019 04:49:10 -0400
Find Local Workman's Comp Attorney for a Workplace Injury in Atlanta

All workers, regardless of where they work, and the duties they perform are prone to work-related injuries. Whenever a worker gets hurt on the job, this may require filling out a workers’ compensation form.

A workers’ compensation coverage allows you to file for claims whenever you get hurt at work, thereby, providing you with some amount of compensation. So, if you sustained injuries on the job and file for workers’ compensation, you’re actually freeing your employer and other workers of liability, while you’re getting something for your injuries.

It never usually works this way because sometimes an employer or the insurance companies will refute your claim so you cannot be properly compensated for the injury. In some instances, they may say that the injuries are not detrimental or that they did not happen on the job.

If you need the services of best compensation attorney in Atlanta, you can find them right here. You won’t have tackle your case alone. You will get the expertise to help you maximize on your benefits.

Let us now look at how you can find successful, dedicated and reliable workers’ comp lawyers who can best represent your case.

Reviews and Testimonials

Although word-of-mouth is still relevant for getting other persons’ opinion about lawyers it is just one of the many ways.

Good lawyers will always have happy clients, who will never hesitate to present glowing testimonials about the attorney’s expertise. These testimonials are usually posted on social platforms such as Google, Yelp or Avvo. 

Testimonials and online reviews most likely will help you locate a pro attorney rather than calling a number posted on a billboard.

Online Research

While you will be able to search for successful lawyers on review sites, you should also pay attention to the website of the lawyer you’re ‘eyeing’ to hire.

There’s something about the websites of professional lawyers; their sites always look professional. Look for websites that are full of knowledgeable content, which seek to answer most of your questions. You should be able to find reviews and testimonials as well. make this valid check before you make a telephone call.

 Furthermore, you should find information about their experience and any cases they have worked on that are related to yours. While you may not be able to get a complete picture of the firm’s capability, you should however, be able to get a feel as to the authenticity of the firm.  Check this URL for more: https://en.wikipedia.org/wiki/Workers%27_compensation

Listen to You Gut Feelings

After you have completed your online search, you are now ready to have a “face-on” consultation with your prospective lawyer. Don’t treat this lightly, it is as important as a job interview. After all, your final choice of attorney will ultimately decide on a settlement that is in your best interest.

Don’t forget that consultation is free, so ask all the possible questions you want to. Your lawyer will need to ask you questions as well, but don’t let him/she dominate the situation.

Look out for red flags when attorneys fail to answer key questions.  Here are a few relevant questions to ask during your consultation:

  • When did the attorney or firm actually started practicing workers’ compensation law?
  • Can the lawyer provide references?
  • Will your case be handled personally by the lawyer you’re consulting with, or will the bulk of it be given to paralegals and other assistants to handle?
  • How available will the lawyer be whenever you’re having a problem?
  • Is your prospective attorney able to identify your case’s strong and weak points?
  • Which professional legal association has the attorney joined?

While these questions are not extensive, they do provide you with a firm base where you can begin your search for legal representation. If the lawyer is honest, he/she will be able to answer your questions directly.

Does the Attorney Have the Expertise?

If during the consultation, you were experiencing feelings of doubt and uneasiness then you need to keep looking.

First-rate workers compensation attorneys display authority, patience, reliability and understanding. 

Since it takes time to build and win a worker’s compensation case, you need to partner with someone who looks out for your best interest and help you win your case while maximizing your benefits.

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Legal https://www.1clickguide.com/guide/find-local-workmans-comp-attorney-for-a-workplace-injury-in-atlanta-163.shtml https://www.1clickguide.com/guide/find-local-workmans-comp-attorney-for-a-workplace-injury-in-atlanta-163.shtml Editor Thu, 22 Aug 2019 08:08:42 -0400
How Can You Make Money Online by Using Bitcoin Technology? Bitcoin loophole is a software used to make big profits by trading digital currencies like bitcoin. It is a ground-breaking cryptocurrency software. The digital currency has been part of the financial world since 2009. Here the two major cryptocurrencies are bitcoin and Ethereum and have become the only household name within the last few years by making some people millionaires overnight. Thus more and more people are looking for cryptocurrency trading software so that they can too make money and get in on the cryptocurrency trading action, thus bitcoin loophole takes centre stage.

 All about the bitcoin loophole software – 

  • Bitcoin secret loophole is it’s another name. Bitcoin loophole software us one of the most innovative and best designed of all online currency trading system and software available in the market today. 
  • It is developed and owned by Steve Mckay. He is a prominent investor and is an auto trading robot that generates profits and positive results for its users. 
  • Anyone can use it and make money by it, even if someone is a new user or never trade before or if someone is seasoned professional, which is the best part Bitcoin loophole allows everyone to step into trading with the ability to make profits. 
  • It has been one of the main key forces behind new breeds of traders that consists of normal people of all age group who has managed to make their fortune by trading in cryptocurrency.  
  • But on another side of it, many people worldwide have been hesitant to capitalize on Bitcoin because of their unknown fear and ease of use of Bitcoin loophole system is quickly changing. 

Advantages of this this trending technology – 

  • The Bitcoin loophole system software is offered free of cost to few who wants to join the bitcoin loophole family and to make profits from the rise in popularity of cryptocurrency. 
  • This website is rich in features and packed with useful news, information, tips for trading and allow their users to sign up with ease. 
  • It is a fully automated system which guarantees profits to their users and is based on the highly accurate algorithm than t continuously carried out an analysis of the market .

Go and try your hands on this latest and highly trending bitcoin software today and experience the change. Earn online without any fear. Bitcoin is your way to success.

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Money and Finance https://www.1clickguide.com/guide/how-can-you-make-money-online-by-using-bitcoin-technology-162.shtml https://www.1clickguide.com/guide/how-can-you-make-money-online-by-using-bitcoin-technology-162.shtml Editor Fri, 28 Jun 2019 04:36:09 -0400
How To Keep Active During The Work Day Sitting down all day, every day in the same office can be boring, right? Not to mention incredibly tiring for your joints. After a while, your body can start to feel a bit stiff, so it’s incredibly important to make sure that you are keeping as active as you can throughout the working day. Obviously, we understand that you might not have time to go exercise after or before work, but there are a few things you can start doing which can help.

  1. Switch Up Your Commute

If you can, it is always a good idea to walk, bike, or even run (depending on how serious you are about keeping fit) to work. We realise that being at work every day makes it difficult to go to the gym, so this is a great way of keeping active and ensures that you get some sort of exercise in your daily regime, even it is just for 20 minutes. Obviously, you might not be so lucky to live close to where you work. If that is the case, don’t worry, you can still incorporate some exercise by getting the train or car part of the way and then walking the rest.

  1. Stand Up Desk

If it’s possible, sometimes it is a good idea to invest in a stand-up desk. This essentially means that you do all your work stand up rather than sitting down – when sitting down for long periods of time, you tend to hold a bad posture and this, as a result, takes a toll on your muscles. Not only will standing up improve your posture, but it also requires more energy, so it ends up burning a lot more calories – perfect for an at-work exercise.

  1. Move More

This seems obvious, but it is surprising how quickly people forget about just getting up and moving about – even if it is just for 5 minutes. Instead of sending that email, why not go over to your colleagues and have a chat (we promise we won’t tell your boss). This gives you some time to stretch your legs a bit and gives you an excuse to talk to your friends. Also, sitting down all day and staring at your computer isn’t good for your health – you need to take a break away from any work distractions just to clear your head.

  1. Stairs not Lifts

Always take the stairs instead of a lift if you have the choice. It doesn’t seem like a lot but trust us when we say it makes a whole of a difference. Using the stairs will get your heart racing and use more energy. Once you get into the habit, you won’t ever think about using a lift again!

  1. Use Lunch Time Efficiently

Instead of sitting down for the whole of lunch, why not go out? This doesn’t mean have a big lunch every day, but just go for a walk with colleagues and buy a sandwich. This will get you moving, get you some fresh air and just clear your head. Also, it’s a great way of finding new areas to hang out at or eat at with friends! If you want to do more exercise, you can even use your lunch break to go to the gym or do mini-exercises.

People often get into the habit of not exercising once they have a full-time job and it makes sense – you suddenly have a lot less time and focus, but it’s important for your health (physically and mentally) to move a bit even if it’s just taking a 5-minute walk. Even though it’s not nearly the same as going to the gym every day, incorporating some of these tips at work is better than doing no exercise at all! 

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Health and Fitness https://www.1clickguide.com/guide/how-to-keep-active-during-the-work-day-161.shtml https://www.1clickguide.com/guide/how-to-keep-active-during-the-work-day-161.shtml Editor Wed, 30 Jan 2019 03:55:05 -0500
Facts That You Need to Know about Testosterone Hormone and How It Impacts the Male Body Low testosterone is a common condition experienced in men as they grow older. The level of testosterone will naturally decrease with age. Studies by the Urology Care Foundation show that about 20% of men in their 60s suffer from low testosterone levels. The statistics rise to 30% for men who are in their 70s. Furthermore, by the time men reach their 80s, almost half of them will experience a drop in their testosterone levels. Read on to know more about testosterone hormone.

Importance of testosterone to men

Testosterone is a male sex hormone that is synthesized by the testes. This hormone helps in the development of the sex organs in male babies. In puberty, testosterone also plays a major role in the physical development of boys into adult men. It triggers the growth of hair on the face, caused deepening of the voice, and builds muscles. Testosterone still plays a crucial role in the sexual function of a man during adulthood.

What causes a drop in testosterone levels?

A decrease in the levels of testosterone is a natural part of the aging process in men. As a man gets older, the levels of testosterone in the body will drop. Apart from aging, there are also other things that can cause low testosterone levels. They include radiation and chemotherapy for treating cancers affecting the genital area and testicular injuries. Additional causes include pituitary gland diseases and medications like steroids which negatively affect this gland.  

Low testosterone and libido

Low testosterone can impact the sex life of men. Men who suffer from low testosterone will have challenges getting and even keeping an erection. Furthermore, the erections that they do get tend to come less often and will not be as strong as before. As the levels of testosterone drop, the desire for a man to have sex will also decrease. Low testosterone levels may also cause weight increase, lethargy, reduced muscle mass, increased body fats, depression, and trouble concentrating.

Low testosterone levels and your overall health

Low testosterone levels may have serious, long-term effects on the male body. Men who have low levels of this hormone will have weak bones that can lead to osteoporosis. This bone disease makes people more prone to injury. Low testosterone increases the risk of death from cardiac disease and other causes. You can improve your overall health by using the best testosterone booster in 2018.  

Diagnosis of low testosterone

For individuals who experience symptoms such as erection problems or reduced sex drive, it is crucial to see a doctor. Your doctor will carry out a blood test that will verify whether you have low testosterone or not. However, it is important to do more than one test because the levels of testosterone tend to rise and fall all through the day. The doctor will take your blood test very early in the morning because that is when the levels of testosterone are the highest.

Treatment for low testosterone

If the levels of testosterone are lower than normal, then your doctor will recommend testosterone replacement therapy. Some men suffering from low testosterone levels can use testosterone gel to rub on their shoulders and arms. They can also get injections into the muscle, wear slow release patches, use pellets under the skin, or take oral tablets.

Since testosterone declines over time as men age, it can be difficult to determine when treatment is necessary. It is always best to consult your doctor and get started on the right treatment. With the increasing demand for testosterone boosters, many drug companies have developed supplements for treating low testosterone levels. Instead of using drugs that are readily available on the market, you should get tested and get prescriptions for effective drugs that will help rectify your problem.

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Health and Fitness https://www.1clickguide.com/guide/facts-that-you-need-to-know-about-testosterone-hormone-and-how-it-impacts-the-male-body-160.shtml https://www.1clickguide.com/guide/facts-that-you-need-to-know-about-testosterone-hormone-and-how-it-impacts-the-male-body-160.shtml Editor Sun, 06 Jan 2019 10:04:02 -0500
Planning To Improve Your Existing Instagram Branding? Make Sure To Follow The Strategies Well For That At this present moment, are you feeling a bit struggled with your Instagram account? In case, you are actually planning to post and how to make the feed even more cohesive than before, then you need to follow some points. You have to follow some steps as well for ways to grow your feed and then retain followers. A proper brand strategy can work wonderfully for you in this regard.

You can always help businesses and individuals to create online identities by focusing on the brand strategy. The strategies need to be cohesive, clear and even memorable identities with function and purpose. You can come to learn more about that from Gramblast as well.

Make way for the best help around here:

Always remember that a proper brand strategy will help you to take away the guesswork out of the content creation. It can help you and save a lot of time and money from your side.

  • A brand strategy always helps you in selecting styles and colors for attracting the target audience in the best manner.
  • It can also work great in making the creative decisions for best supporting the experience you have to offer and encourage feelings that you plan to evoke from audiences.
  • It can further work great in writing and shooting content that audience will always find relevant and valuable and also for their use. It will help them to keep coming back just for more.

The very first thing for you to understand is that al social media content, which is also related to Instagram, is all about marketing. And marketing is in dire need of strategy and research. Every post that you plan to create will help you to work and achieve your goals more.

Get the best points moving forward:

In case, you are throwing lots of content or guessing any one to move towards your audience until something will stick you out in the crowd, then you might be wrong. You are literally confusing the hell out of your audience and it will make it harder for them to stick around you and support your brand. There are some objectives related to brand strategy and you need to know it now.

  • It is used for building structurally sound creative direction, which the audience might find quite captivating for sure.
  • It can even help you to stand right out from other businesses or people in said industry, which can cover various topics.
  • For enhancing proper experience that the audience might help while consuming you content, you can always remember to refer you and your brands to others whenever you get time. It is possible through brand strategy.
  • For procuring a crystal clear option on what you stand and what you get to offer, you need a brand strategy. It can help you to know why audiences need you in life.

Brand strategy is not always about having perfectly curated content and styled up feed always. It is always about creating some human relatable experiences through your posts. It means embracing imperfection with focusing truly on ways to communicate better. So following some basic and simple points is all that you need for improving the effectiveness of IG ASAP.

The reason on its outlook like it does:

It is always mandatory for you to select colors and styled based on virtual atmosphere that you plan to build. Make sure to think of IG feed as online interior design. Remember to check how some spaces can cause you and force you to act differently.

Make sure to note down the current atmosphere of the IG feed you have created up until now. Have you created it keeping audience in mind or did you work on it for your personal preferences? How useful and engaging do you think your content actually is?

The kind of first impression you are actually creating through the posts:

What kind of perfect impression you want to create through your posts? Are you looking for something consistent or cluttered? Always have your mind and thoughts cleared out before getting anywhere else with the options right now.

  • In case, the IG feed is cluttered and inconsistent visually, you are actually running the risk of overwhelming and over stimulating audience.
  • If the feed fails to have any flow and they cannot figure out what to focus at, on the first place, there is always a high chance that they will not stick around to learn about you.

What you want to make your people feel through the posts?

You are all in this business for making people feel good and content through your service. But, you have to be quite careful in making your feed extra memorable whenever you are resonating with someone on a rather deeper level.

  • You need to be quite specific about various ways in which you are planning to enhance someone’s emotional connect to content. For that, keeping your minds clear is rather important.
  • How are you planning to take specified descriptive emotions and apply that to something visual with the help of valuable message? Make sure to cover that first.
  • In case, you are planning to make your customers feel calm and relaxed, then you might want to explore the feed usage accordingly. You will check out on textures, colors, flavors, graphics, smell, sounds, fonts and more. It will help the atmosphere to take the perfect shape already.

What audience loves currently?

You need to have hands on pulse of audience. What they actually like these days and what they want to see are some points to be added in your list. You need to explore numbers and look at best performing content and what people actually love about it. It will help you to duplicate that in near future.

Remember to create a strategy first and branding will start to grow in no time. More options are waiting for you to grab and you should take a look at it.

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Business https://www.1clickguide.com/guide/planning-to-improve-your-existing-instagram-branding-make-sure-to-follow-the-strategies-well-for-that-159.shtml https://www.1clickguide.com/guide/planning-to-improve-your-existing-instagram-branding-make-sure-to-follow-the-strategies-well-for-that-159.shtml Editor Sun, 06 Jan 2019 09:50:18 -0500
Invest in the Foundations When Self-Building

Building your own home is probably the most critical project in your life. That’s why a lot of people planning to create their own homes diligently do their research. No one wants to discover a flaw in their plans while the construction is going on, so it is imperative that people adequately research what kind of home they want. SIP panel homes, for example, are well-insulated houses and are so quick and easy to build that more and more people are choosing to self-build their homes using this method.

There are lots of things self-builders have to remember when building their own homes. But the biggest thing they have to worry about is the skeleton of the whole structure. The building, after all, won’t be able to stand very long if the foundations are weak. No one would want to live in a house that, after only five years, shows the signs of having a weak foundation.

Here’s why paying attention to the foundation is essential:

  1. Weak foundations are dangerous

Of course, the apparent problem with weak foundations is that the structure might collapse at any given moment. This is very dangerous, especially for two-storey structures, structures that are standing on slopes, and structures in places that frequently experience seismic activity. Foundations weaken over time, and a foundation that isn’t correctly made will have a shorter lifespan.

  1. Repairing weak foundations is costlier than building a house

One of the biggest problems when fixing the foundations is that they’ll need to remove everything that was built on top of them and around them: the walls, the second floor, or the roof. And then, after you have repaired them, you have to put it back together again. This might not be a problem for builders who opted to have their houses pre-constructed. But those who didn’t will have to dismantle a good part of their home. The owner will also have to find another place for accommodation while the construction is going on, causing the cost to eventually pile up, to the point that it can be even more expensive than erecting the house itself.

  1. Repairing weak foundations is troublesome

As mentioned earlier, people who have to fix the foundations of their home have to move out of their home. This can be disruptive to not only the life of those who reside in the house but to those whose business is done inside the house.

But imagine, instead of just a home, the structure is also a cafe or a small inn. Business will have to stop, and the owner will stop gaining profits for a while until the house or building is renovated. If the owner has employees, he or she might also have to let them go because they cannot pay their salaries.

Such a troublesome and costly mess can be avoided if owners focus on having a foundation that can last for years, maybe even centuries. It might look like it’s too expensive right now, but it’s a better option and will save you a lot of headaches in the long run.

Image: Pixabay.com

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Real Estate https://www.1clickguide.com/guide/invest-in-the-foundations-when-self-building-158.shtml https://www.1clickguide.com/guide/invest-in-the-foundations-when-self-building-158.shtml Editor Fri, 28 Dec 2018 05:34:35 -0500
Key Information You Need to Know About Kosher Meals

Kosher meals are favorite among the Jewish community. It is a word to describe the kind of food and drink that the Jewish people eat based on religious dietary law. For a meal to be Kosher, it needs to go through the correct preparation. There are kosher certifications on some products that you buy that will tell you they are worth it.

What is a Kosher diet?

To be considered kosher, the animal meat needs to come from animals that chew the cud and have split hooves. It includes cows, goats and sheep. Slaughtering these animals also needs to be done according to the rules and with strict supervision. Even the utensils used for cooking and preparing the meat need to be kosher.

For dairy products, only the ones that come from kosher animals are edible. They need to undergo accurate processing and packaging using kosher equipment. The dairy product also needs to be free from meat derivatives.

What are the health benefits?

Although it is a Jewish tradition to eat kosher meals, there are health benefits in eating them. These foods undergo a strict process of preparation, inspection and monitoring. Therefore, you have a guarantee that they are clean and free from disease-causing bacteria. Even vegetables and fruits go through control to avoid contamination.

Vegetarians will also love kosher meals. When you buy them, there is a label that says ‘pareve’. It means that the said meal is free from processed dairy or meat.

Kosher meals also ban meat that is high in fat content and is risky for anyone's health. Therefore, if you are on a diet or you want to stay healthy, kosher dishes are good for you.

Kosher food is perfect even for non-Jewish people

Although mostly Jewish people eat kosher meals, they are perfect even for those who are outside the Jewish community. Given the safety and cleanliness in preparing the meals, many people feel enticed to give them a try. Besides, kosher meals don’t ban all types of meats. Therefore, if you want to stay healthy without sacrificing quality meals, you can choose kosher food.

If you live in New York, you are lucky! You can find a lot of quality restaurants serving kosher dishes. You can look at the best kosher restaurants in NYC and find out what they offer. If you like the food they serve, you can reserve a table now. You will not only get the chance to eat kosher dishes, but you might also meet local members of the Jewish community.

Some of these restaurants offer the best steak that you will not regret eating. They are the tastiest and most flavourful steaks out there. Since the animals did not suffer during slaughter, you won’t feel guilty munching on your steak. You can also eat other dishes that are healthy and safe.

Eating kosher is not a diet technique. It is a religious practice based on Jewish scripture. You don’t need to follow it if it is not something you are comfortable with.

Image: Unsplash.com

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Food and Drink https://www.1clickguide.com/guide/key-information-you-need-to-know-about-kosher-meals-157.shtml https://www.1clickguide.com/guide/key-information-you-need-to-know-about-kosher-meals-157.shtml Editor Fri, 28 Dec 2018 02:40:33 -0500
Menstrual Cups- Fundamentals and Benefits Explained Women for years have used pads and tampons for collecting blood and protecting their clothes from stains at the time of the monthly periods. A menstrual cup will offer females an excellent alternative to the traditional techniques. There are some that are reusable and long-lasting, and there are others which are disposable.

The Fundamentals

Do you know what menstrual cups are? Simply put, this is a flexible cup that fits comfortably inside the vagina at the time of the period for collecting the menstrual blood. This cup will gather the menstrual flow instead of absorbing it as in the case of pads or tampons. The majority of these cups are made of rubber or silicone. The cup can be used all the way throughout the cycle yet you may require changing this often during heavy flow days for guarding against leaking. After 12 hours remove the cup and rinse it or during leakage.

Benefits in Abundance

Take a look at the different benefits of using a menstrual cup,

  • Less Landfill Waste and Lower Costs- Some menstrual cups have been created especially for the long-term use and also years' offering noteworthy cost savings over pads and tampons. Because you can reuse it there will be less waste for clogging the landfills and lesser trees sacrificed for making alternatives that are paper-based. Some cups have been designed for disposable. Ensure to read the label on the box carefully before buying if you need a reusable cup.
  • Minimum Embarrassing Odor- With menstrual cups, there is no worry regarding the disagreeable menstrual odor that wafts out during inopportune times. Here the fluid will not get exposed to the air like in the case with tampons and pads.
  • Beneficial Bacteria and Vaginal pH Stay in Place- The tampons will absorb all the vaginal fluid that is passed together with the blood that may disturb the bacterial balance and delicate pH in the vagina.
  • Lesser Pharmacy Visits- If you replace the cup even once a year it will reduce your pharmacy visits automatically.
  • Higher Time Between Changes- You need to change tampons every 5-8 hours depending on the amount of the flow. Before emptying the cup, you can use it for about 12 hours.
  • Intercourse is Possible- After fixing the menstrual cup in the vagina, intercourse will be possible. It is a personal choice as to whether you desire to put or remove it.
  • Simple to Use- Women who used tampons and pads particularly the type without applicators, will have minimal trouble to learn the way to insert the cup. The instructions will be available on the pack.

The bottom line is the sole means of knowing whether this cup is ideal for you will be to purchase and give this a try. Today menstrual cups are available in an array of sizes and formations, so if one variety fail to suit you, another type can do the trick. Today menstrual cups are readily available both online as well as in drug stores.

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Health and Fitness https://www.1clickguide.com/guide/menstrual-cups-fundamentals-and-benefits-explained-156.shtml https://www.1clickguide.com/guide/menstrual-cups-fundamentals-and-benefits-explained-156.shtml Editor Wed, 19 Dec 2018 07:23:22 -0500
Enlarged prostate: a big problem Do you have to visit the bathroom frequently? Are you having trouble urinating? Does the urge to urinate wake you up from a deep sleep and keep you from having proper conversations in social situations? Is your urine flow interrupted and irregular? If the answer to all these questions is a resounding "yes," then you may have an enlarged prostate.

Many do not know this, but an enlarged prostate is the first sign of aging. It accompanies old age like grey hair and loose teeth. Some people do not seek medical attention immediately after facing repeated night-time urination problems, hoping it is just a phase. The problem is it does not go away on its own but finds its way into the daytime routine as well. An enlarged prostate can make it difficult for someone to do his job correctly or merely sit for an extended period.

What is the enlargement of the prostate?

Doctors refer to this condition as benign prostate hyperplasia (BPH). According to statistics from the National Kidney and Urological Disease Information Clearinghouse, 50% of men experience problems urinating by the time they hit 60, and 90% of men have BPH by 90-years of age. The non-cancerous growth of the prostate creates excess pressure on the urethra. As the pressure increases, the bladder muscles begin to grow stronger and overly sensitive. That results in frequent contractions even when small volumes of urine is present in the bladder. Eventually, the bladder muscles fail to empty the bladder due to the intense pressure on the urethra. It causes some amount of urine to remain in the bladder constantly. 

Why should you seek a doctor's help early?

Surgery is the last step to correct an enlarged prostate. Doctors usually recommend medications for benign conditions that create a small to moderate effect on the bladder. In fact, to treat the enlargement of the prostate common medications necessary are not costly, if the patient seeks testing and expert advice early.

  1. Doctors usually prescribe alpha-1 blockers to control the frequent urination problems, and they suggest a few lifestyle changes. Alpha-1 blockers usually improve the symptoms within a week, and they can also reduce the size of the prostate. You may need to wait six months before the physiological changes show. Sometimes, chronic inflammation demands antibiotic treatments. An intensive course of antibiotics can reduce the inflammation and improve the symptoms of BPH.
  1. Sometimes, patients also receive prescriptions of 5-alpha reductase inhibitors. This drug reduces the size of the prostate by blocking a male hormone (DHT). These work slower than alpha-blockers, but they can improve the urine flow and continence within three months. They also reduce the chances of surgery.

Even with constant medication, you will need to opt-in for regular tests that screen for the possibility of cancer among other things. Maintaining treatment quality, changes in lifestyle and periodic screening can be expensive. However, that is the only recommended way to improve your BPH without surgical methods. The only time doctors recommend surgery is when a patient is suffering from incontinence, blood in urine, frequent UTIs and symptoms that do not respond to medications.

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Health and Fitness https://www.1clickguide.com/guide/enlarged-prostate-a-big-problem-155.shtml https://www.1clickguide.com/guide/enlarged-prostate-a-big-problem-155.shtml Editor Wed, 19 Dec 2018 07:20:43 -0500
Is it safe to use pest control products at home? There is no doubt that pests can be a real problem in any home. Termites and carpenter ants chew away at wooden structures. Mice and rats also cause problems by chewing wood and wiring, as well as spreading diseases such as salmonella. Not forgetting cockroaches that crawl around your property spreading bacteria as they go.

Preventing these pests from becoming a problem has to be a priority, as does getting rid of them if they appear. However, many people wonder if it's safe to use pest control products at home. The truth is that the best people to use pest control chemicals are exterminators. They have the knowledge and experience necessary to be able to handle the products in the safest and most effective manner. If you want to try preventing, or dealing with, a pest control problem yourself, there are some natural methods you can try.

Simple soap and water

One of the simplest ways to get rid of pests such as flies and ants is to simply use soap and water. Mix some mild soap detergent with tap water and place it in a spray bottle. Keep the bottle to hand so that you can use it if you spot any pests throughout the day.

Mouse traps

You may not love the idea of retrieving mouse bodies from traps, but they are still one of the most effective and humane ways of dealing with a mouse problem. Look for signs of where the mice have taken up residence, such as gnawed wood, faeces and urine. Place the traps in close proximity to the area and load them. Remember to place the traps in either direction of the pests' hideout, for the most successful results.

Diatomaceous Earth

There are several health benefits of Diatomaceous Earth. It's also very useful to use for pest control purposes. If you place the product around areas of your home where insects may be getting in, it will kill them. It does so by damaging their exoskeletons so that they dehydrate. If you have a problem with insects invading your home, this could be a good way to stop them.

Nematodes

Nematodes are microscopic worms that many gardeners use to help protect their plants. They are also very useful in the control of termites as they kill them. This is important as termites can cause a lot of expensive damage to your property, if they are not dealt with.

If you try to resolve an issue with pests in your home, but the problem persists, it's time to call the professionals. There are pest control products that you can use, but it's safer and more effective to get professional help instead, doing so means that the pests will be removed from your property in the safest and most efficient manner possible. The exterminator will explain the process to you and you have the opportunity to ask any questions you may have. The end result is that you have a pest free home.

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Home and Family https://www.1clickguide.com/guide/is-it-safe-to-use-pest-control-products-at-home-154.shtml https://www.1clickguide.com/guide/is-it-safe-to-use-pest-control-products-at-home-154.shtml Editor Fri, 14 Dec 2018 03:53:44 -0500
2 Key Reasons Why Drivers Should Use the Best Fuel Cards at Gas Stations You probably know how expensive it is to own a motor vehicle of your own. You need to dig very deep into your pockets to pay for the relevant expenses. This is for the day-to-day maintenance and fuel costs. It won’t come as a surprise to anyone if such payments consume almost half of your income. This puts you in a tight situation. You find yourself having to make ends meet on a shoe-string budget. However, selling this automobile to a suitable buyer is not always a viable solution. After all, it is one of your assets which you still cherish. You may even consider it to be a status symbol.

Is it worthwhile to apply for the best fuel cards in the market?

Automobile experts say drivers face a dilemma when they visit a gas station to refuel their cars. They are never sure whether to use cash or plastic money to pay for the petrol they purchase. At the end of the day, they are looking for ways to minimize their costs. Everyone wants to save money. You could come across a similar situation. Such industry professionals suggest you should seriously consider applying for suitable fuel cards. They go on to point out the following 2 important reasons for doing so:

  1. Keeping track of your purchases

Most people behind the wheel of a vehicle have an unusual habit. They are refueling their cars at the gas station and drive off without taking the receipt. You probably resort to this course of action once in a while.

In many cases, such individuals say they need to reach their destinations on time. However, at a later stage, they find it hard to recall making such purchases. After all, they generally pay for such expenses using cash or their credit cards.  This doesn’t happen if they opt to use the best fuel cards in the market. Service providers offering such facilities ensure their customers get messages of such transactions on their smartphones. It is an ideal way for vehicles owners to monitor their costs.

  1. More security

Most people prefer to use cash to pay for the fuel they buy at the gas stations.  They say there is no guarantee the owners of such establishments will accept their credit cards. However, they are more than willing to take paper currency for such purchases. Unfortunately, these individuals can’t deny they take a risk by opting to use this mode of payment. There is a possibility they may inadvertently drop some notes on the ground without their knowledge. They normally realize their loss after they drive off. However, by then, it is already too late. This type of situation does arise when they use fuel cards to pay for such expenses. Moreover, they enjoy additional security. The personal identification numbers of making such purchases are only known to them.

The drivers should opt for using the best fuel cards to make purchases at a gas station. It is a more convenient form of payment in comparison to cash or credit card. They just need to go through the above 2 important reasons to clear their doubts. In the process, they can keep track of their expenses and even save money.   

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Home and Family https://www.1clickguide.com/guide/2-key-reasons-why-drivers-should-use-the-best-fuel-cards-at-gas-stations-153.shtml https://www.1clickguide.com/guide/2-key-reasons-why-drivers-should-use-the-best-fuel-cards-at-gas-stations-153.shtml Editor Wed, 28 Nov 2018 09:40:16 -0500
Exercise Caution When You Deal With Your Debts There is no doubt that you can handle much of your debts on your own which sometimes may prove to be a very productive attempt but you will need to exercise enough caution while doing so. There is a lot of complications in debt management and it will differ according to the type of debt you currently hold. One small error may lead you into further trouble which you may find very hard to resolve.

If you are unsure or new to debt management or when you feel that you need the assistance of a debt consolidation company, go for it. It will be far more effective and result driven that your DIY venture.

Debt consolidation tools

To know about debt consolidation more than just the basics you will first need to know and review the various debt consolidation tools. This will help you to know the nuances in it and thereby help you to be cautious in your venture, DIY or otherwise.

There are different tools that you can wield to assist you in consolidating your debts but all of it has its signature pros and cons.

  • You can make a balance transfer on your credit card debts. This is one of the easiest moves that you can make for your debt free journey. All you have to do in it is transfer your debts from the credit card carrying high interest rates to the one that carries much lower rate of interest. If you work with a pro then you can also come to know about the ways in which you can take the maximum advantage of the zero percent APR promotions and save big time. However, there will be fees to make such a transfer. Another significant thing to take care of is that according to the law, credit card companies that offer interest-free financing will waive the interest rates for at least six months. Therefore, if you do not pay down your debts significantly within that time, you will have to pay very high interest once again and will be right back where you started as the high interest rates will eat into your payments.
  • You may take out an unsecured loan as well but just as these loans sound, there is no security of any collateral like your car or house pledged by you to the lender to take such a loan. This means that the rate of interest of these unsecured loans will be significantly high but lower than that of your credit cards. However, to take on such a loan you will need to have a really good credit score. Most of the banks do not lend such loans. Apart from that, if you manage to get such a loan you must show the discipline not to spend the amount received on anything else apart from paying of your credit card bills.
  • If you feel you can even opt for a home equity loan. In this type of loan you pledge your house as collateral to the creditor. This means the rate of interest of these loans will be much lower than an unsecured loan thereby reducing your monthly bills by a considerable margin. However, most experts will suggest you to keep it as your last option. This is because this type of loan is considered to be the most dangerous of all forms of debt consolidation loan as you are risking your home for it. If you cannot pay up on time and fully, you stand a chance to end up homeless.

Therefore, all types of debt consolidation loans have their pros and cons which is why you should consult with a professional debt consolidation firm. However, you will need to be cautious in hiring the service of a debt consolidation firm as well.

Follow debt management program diligently

When you enter into a debt management program which is also termed as DMP, you must be very diligent as it may affect your entire finance adversely if you do not.

  • The first thing you should do is stop using your credit cards. Now, this can be a bit difficult for you if you are addicted to using credit cards. However, if you want to get rid of your debts seriously then you should let go of those cards.
  • If you really find it difficult then the only alternative is use your debit card. The difference in using a debit card is that you will be using your money and only that much you can afford. Using credit cards means you are using more money than you can afford and that too this money belongs to someone else. You will have to pay interest on credit card but no interest if you use your debit card. This way you will stop accumulating debt any further.

You must follow the advice and plan designed by the professional debt consolidation company so that you not only merge successfully from your DMP and have zero debt but also have zero addiction of credit cards as well. This is a bonus that you get from such professional service. You may take up a new credit card later and use it responsibly or may not even need any of it any longer. Sometimes, doing it alone is not only lonely but also less productive.

Managing too much debt

If you have too much debt of different types then you may get turned down for a debt consolidation loan. Usually banks and credit unions are unsure about you repaying ability seeing the already huge debt you are in and therefore they turn down your application.

In such a situation you may try other alternative sources to avail a long with bad credit of lower than 500 FICO score but it will have so high rate of interest that it will cut deeply into what you save in the first place.

The best way to choose is credit counseling by an expert for a free debt analysis after considering your financial situation in detail. Thankfully, the experts can show you still have other options which may be even better.

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Money and Finance https://www.1clickguide.com/guide/exercise-caution-when-you-deal-with-your-debts-152.shtml https://www.1clickguide.com/guide/exercise-caution-when-you-deal-with-your-debts-152.shtml Editor Thu, 22 Nov 2018 22:36:45 -0500
Student Loan Consolidation Is An Easy And Effective Way To Take Worries Away If you want to reduce stress and take your worries way regarding paying off student loan debt then there are a few easy and effective options that can make the situation less overwhelming. Since you are not the only one facing such a situation, you should not think that there is no way to deal with such an issue.

Going by the statistics, there are over 40 million former students that still face the brunt of student loan debt. This is because most of the former college students do not know about the ways in which they can pay back their debt.

Fortunately for you, there are useful programs like Student Loan Consolidation or Refinancing that will help you to get rid of this longstanding debt against your name. Programs like these will work well for you and at a rate in which you will also avoid being a delinquent customer.

Student Loan Consolidation is almost same as any other debt consolidation that you may wish to take if you have more than one loan from one or multiple creditors. With the help of the Direct Consolidation Loan program, you can now simply combine all your loans depending on its type into a single loan that often has a lower rate of interest. This will eventually make your monthly payments smaller thereby making it easier to manage.

On the other hand Student Loan Refinancing is a much similar concept with the only difference that it is done through a private lender. Considering its features, this happens to be a far better decision for the borrowers who are earning more now than they used to be when they were in college.

However, when you choose for refinancing make sure that you do not sell the federal programs to the private lenders. This will make it harder for you to repay as you will lose the eligibility for income-driven plans that are inherent with federal student loans.

Separate your loans

If you want to consolidate your student loans you will first have to separate the federal and private student loans because both have significantly different consolidation procedures. If you separate these loans you will not only be aware of the kinds of loans you hold but will also know about the different loan consolidation options that are available.

  • If your loans are federal you are most likely to qualify for different government programs to consolidate your loans. The Federal Direct Consolidation Loan program will let you to have only a single bill each month. Apart from that, you may also apply for Income-Driven Repayment if you wish. These you cannot get from private lenders but you must keep in mind that the rate of interest rate of these consolidated loans will be weighted and will be therefore rounded up to the nearest ⅛ of a 1%. This will raise the overall amount a little but that you pay as interest. However, if you wish to take a consolidating debt carrying varying interest rates, the rate of interest will be in between always.
  • If your loans are private you will have to follow the student loan refinancing route through the private lenders. The lending policy may differ from one lender to another and therefore you will need to research and explore all available options and choose the best one for you.

You will need to verify your eligibility for student loan consolidation eligibility which is also different for a federal loan and a private loan.

The federal loan itself is your eligibility provided it was not consolidated by a private lender previously. On the other hand, if you have a private student loan the basic requirements for refinancing are:

  • A good credit score above 660 and standing
  • A well balanced debt-to-income ratio of lower than 45% and
  • A proof of a stable income above $25,000 per year that may be in the form of pay stubs.

It is only after you qualify that the application process starts. You can apply for the Federal Student Loan Consolidation program electronically though paper application process is also permitted. However, electronic application process is much faster and takes about half an hour to complete. You will however need a verified FSA ID, income verification and basic contact information for the process.

As for student loan refinancing, the application process requirements may vary from one private lender to another.

Choosing the best lender

If you go for student loan refinancing make sure that you choose the right loan servicer. As there are a lot of such private lenders and companies you will need to know which one will work best for your loans considering the following parameters:

  • The rate of interest whether it is fixed or variable
  • Option to postpone your payments
  • Online reviews of current or past borrowers and
  • Unique features in the plans that others may not have.

As for the federal Student Loan Consolidation there are a few questions to ask such as:

  • The types of repayment plans available for the consolidation
  • Time when you can consolidate your loan which should be either after you leave school, graduate, or fall below the half-time enrollment
  • The chance in interest rate as federal consolidation does not lower the interest rate and only takes a weighted rate of the loans that you already have
  • The possibilities of changes in your repayment options based on your consolidated loan balance which can be ten to thirty years and
  • The time to start repaying your consolidated loan which is usually immediately after receiving the first bill within 60 days of disbursement of the consolidated loan.

Apart from that, you may also inquire whether you can take the advantage of your grace period if your current student loans still have it. This will help you to delay your repayment till the time this grace period is over.

Also know what happens if you can consolidate your student loan if you are default currently or have already consolidated your federal student loans. Also know about the application fees and forgiveness plans if you are eligible.

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Money and Finance https://www.1clickguide.com/guide/student-loan-consolidation-is-an-easy-and-effective-way-to-take-worries-away-151.shtml https://www.1clickguide.com/guide/student-loan-consolidation-is-an-easy-and-effective-way-to-take-worries-away-151.shtml Editor Thu, 22 Nov 2018 22:35:34 -0500
Save your Startup Business from Going Down in Debt with Debt Consolidation Loan Nowadays, you can easily see the number of startups in the market based on different niche. The market is evolving, and some brilliant mindful people are trying to make the market trend innovative, so they are setting up startups. The idea is super exciting and impressive, but when it comes to execution, it becomes incredibly tough. There are many aspiring minds those who start the startup, but after some time to insufficient monetary help they shut down. Startups are now on the verge where they have a mounting pressure on their head for survival in the market and keep going forward even though they have a limited resource of funds. The established business firms are now capable of running by themselves even if they don't get outside help. They have already stabilized their monetary funds. While startups face competition heat and they can see a lot of ups and downs during their journey from scratch until the success. A very clear vision is a must in order to run the startup.

Journey of Startups

Startups can have everything from concept to intelligence to run it, but still many of them failed to drive the better result. The reason could be not able to manage enough funds, and this could lead to failure. In order to continue the safe running of the business, various startup heads try to gather money from various sources. That means now these heads have to pay the debt of multiple creditors. The startup owners have to make sure that their business runs well then only they will be able to pay off the debt. Often, it has been seen that in the midst of running a business successfully and generate enough funds to repay, the owners often lose their focus and sight of the business objectives. Thus, the startups get failed and shut down. 

When the owners face the fiscal crisis, they try to negotiate the terms of debt so that creditors can either eliminate the lump sum amount or low the interest rate. But this is not enough as there will be the multiple creditors, and all might not get agreed. But before owners lose all hope to come out of the situation, the can try taking help from the debt consolidation loan program.

Introduction of Debt Consolidation Loan

The process of debt consolidation loan is very familiar, and sometimes when the situation becomes worse, many people in business opt for this plan. In this program, you will have to consolidate all your debts together irrespective of their sources. Once you consolidated all, now you will apply for a loan to pay the debt. Such loans have the lowest interest rate. For more information, log on to nationaldebtreliefprograms.com. You are not required to pay the loan at different intervals but once a month. Only one payment has to be made, and that will be done every month. There are many factors considering which you can opt out the debt consolidation loan plan

  • Debt consolidation loan doesn’t eliminate the debt but reduces the amount of debt. Before opting out for debt consolidation loan, you will have to clear the picture of the understanding consolidation loan.
  • The only difference with the debt consolidation loan plan is that you have to make one payment in the form of a loan. You are still not free of debts. You have just reduced the number of payments; you used to do every month.
  • Debt consolidation plan provides peace and hassle-free monthly payment management.
  • You will have to refrain yourself from availing another loan over the existing loan. You will be paying for the first loan and without completing it; you will not start the other one. You will require making some cost-cutting in your company expenses so that your company must come out of the crisis situation.

Rising from Debt Situation Using Debt Consolidation Loan

If you have decided on getting out your startup company from the debt situation, you are required to step up for debt consolidation loan plan. You will have to progress step by step. Firstly, you will have to look for a company who provides the debt consolidation loan. Then you will have to take care of the listing of debts and hand over to the company. They will be responsible for setting up the payment of debts through one payment. The company will also take care of all the calls received from the creditors, and they have been harassing you. You just have to focus on the debt consolidation loan approval. If the credit score of your company is good, then you will get the loan quickly.

The debt consolidation loan is comprised of two parts – secured and unsecured loan. In the secured loan, you are required to pay the loan amount at the low rate of interest, and it is collateral. In the unsecured loan, you are required to provide the loan amount at the high rate of interest, and there is no need for security deposit. If you think your company can handle some finance, then you can go by latter, but if your company is in deep trouble, then you can consider the former.

It is not fixed that business doesn’t face any problem. Some unforeseen fiscal crisis may occur at a certain point in the business, but with the help of debt consolidation loan, the situation can be brought in controlled and once again owner will be able to regain the control of the finance of the company. Before choosing the consolidation loan plan, you must do some research and understand it, then only go ahead with the decision of choosing it. Startups are very much different from established firms, and they have some requirement for the finances which require attention from time to time.

Conclusion

Startups should once experience the debt consolidation loan during the survival in the market. Consolidating the debts of the business can be a long way that can make a company free of debt. You will have to be cautious about your decision.

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Business https://www.1clickguide.com/guide/save-your-startup-business-from-going-down-in-debt-with-debt-consolidation-loan-150.shtml https://www.1clickguide.com/guide/save-your-startup-business-from-going-down-in-debt-with-debt-consolidation-loan-150.shtml Editor Thu, 22 Nov 2018 22:14:18 -0500
Facts about Debt Settlement and Debt Consolidation An average of 80% of Americans have withstanding debts, states www.msn.com. There have been times when it becomes extremely difficult for a consumer to handle all his debts. During these times, it is obvious that he tends to opt for a debt management program. However, there is a lot of confusion that arises between debt settlement and debt consolidation. Consumers find it difficult to understand, which program they should opt for. If you are also in a similar situation, it is suggested that you get to know about the various facts that are associated with both debt consolidation and debt settlement and then come to a proper conclusion, as to which one is the best for you.

5 Facts about debt consolidation

If you are having a lot of withstanding debts, it is obvious that the minimum payment at the end of every month is not going to help you fix the debt amounts. Some things definitely need to change and you can consider debt consolidation, as it allows you to make a single payment at the end of every month and the interest rates are also comparatively low. Before you decide anything, it is crucial that you get a proper idea about the various facts that are associated with a debt consolidation loan.

When you are consolidating, there is no guarantee that the rates of interest will be low

The rates of interest associated with the debt consolidation loans are normally set by the descriptions of the creditor or the lender and it is completely dependent on the previous payment behavior of a consumer as well as his credit score. Even if you are qualifying for loans that have low rates of interest, there is obviously not going to be a guarantee about the interest rate being low. However, it is important that you stay honest as the interest rate is not going to be your main issue. The main issue is undoubtedly the spending habit that you have.

Lowering the interest rates on the debt consolidation loans can undergo changes

This is applicable when the debt amounts are consolidated with the help of the balance transfers of credit cards. The low rate of interest is normally the introductory promotion, which is applicable only for a certain time period. The rate can also increase with time.

Consolidating the bills mean that you are going to remain in debt for a longer time period

For every case, a consumer is going to have low payments and the reason behind this is that the time period of the loan is normally prolonged. It is extremely important to understand that an extended term also means that the payments will be extended. Your primary objective should be getting out of your debts as fast as possible.

Debt consolidation does not mean the elimination of debts

Consumers need to understand that they are only restructuring the debt, and they are not eliminating the debt at all. You do not need to rearrange the debt; you only need to reform it.

The behavior that you have with money fails to change

It has been observed, that a number of times after a consumer has consolidated the entire debt amount, the debt starts growing back. This is because most of the consumers do not have a proper plan for saving money and they tend to spend a lot. If a consumer is not establishing proper money habits in order to stay away from debt, it is obvious that a debt consolidation loan cannot help him in any way.

4 Facts about debt settlement

Debt settlement is known to work in an amazing manner when the excess burden after credit card debts start overwhelming you. However, there are certain facts about debt settlement that you should know before you take any particular decision.

The credit card companies do not like the debt settlement programs

Most of the companies do not prefer the debt settlement program and the reason behind this is that they lose a huge amount of money. There is no obligation that your credit card organization has to offer or negotiate a debt settlement for a lesser amount in comparison to what you actually owe. It completely depends on you as to how you are convincing them and you also need to offer the payment, which is going to satisfy the business needs that they have. You need to be ready for a frustrating process of continuous negotiations.

A debt settlement program normally means a huge amount of payment

A debt settlement means that you are paying your creditors a part of the amount that you owed on basis of all the terms that you are negotiating with them. This amount is lump sum as it should satisfy the withstanding debt and is also responsible for closing the account that the creditors have with you. A creditor normally accepts a debt settlement program because it is better to receive a lump sum partial payment in comparison to receiving no money at all.

Consumers need to have money before they are negotiating

An important bargaining tool is paying a lesser amount of money in comparison to what the consumer owes, by offering a huge amount of money for settling the debt obligation. This means that if you are going for a debt settlement program, it is important that you have your money ready before you start your negotiation. If you offer more money than what you have, it is going to put you in trouble as you will not be able to meet the agreement. You can go through the debt settlement feedback left by consumers on different reputed websites.

The debt will not get reduced

Despite all the promises that a debt settlement organization normally makes, you can never expect to pay half of the entire debt amount. There can be a reduction of 15% to 30% of the outstanding balance. In a few instances, it might be possible to convince the credit card companies to take a slightly lesser amount than that, and it is also going to need proper skills of negotiation from your side.

Conclusion

It is always suggested that you take proper pieces of advice from your tax lawyer in order to know, which debt management program is right for you.

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Money and Finance https://www.1clickguide.com/guide/facts-about-debt-settlement-and-debt-consolidation-149.shtml https://www.1clickguide.com/guide/facts-about-debt-settlement-and-debt-consolidation-149.shtml Editor Thu, 22 Nov 2018 22:13:32 -0500
Ownership And Taxation Are Few Things To Consider For A New Investor Being an investor you will want to put your money in assets, tangible or intangible, but the thing is you must know how to own those assets, where to own those assets and how these will affect your income in the long and short term. All these facts and knowledge will make your investment fruitful.

Assuming that you want to invest in business equity of a publicly traded business, there are two specific types of ownerships that you can choose to have.

  • Outright Ownership: This is a specific type of ownership wherein you buy the shares outright from any individual company directly. That mans these shares will reflect in your balance sheet as well as that of the entity whose share you hold and control. You become an actual shareholder in this company and have your right in their operation and even have voting rights. When you own such shares you will have the right to access to the dividend income of the company and at the same time the net worth of the shares will also rise along with the growth of the company.
  • Pooled Ownership: You may also own assets of the company jointly with other people and mix your money with theirs through a shared structure. The entity will offer such ownership most commonly through mutual funds. There are different types of funds you can invest in here such as the most common and popular open-ended mutual fund. If you have a large amount of money to invest, you can invest in hedge funds. On the other hand, any investor who does not have large sums to invest can consider Exchange Traded Funds. You may also try out the Index Funds if you want to buy diversified portfolios at a much cheaper rate than their individual prices taken together.

How you want to own your assets is very important as that will affect your share in it and the amount of return that you can expect.

The tax factor

Once you are knowledgeable enough about the type of asset you want and the type of ownership most suitable for you, you must now focus on the tax factor before you eventually invest. However, the tax amount and process will vary according to the law of the state and where you are holding your asset. There are different options and factors to consider here as well such as:

  • Taxable Accounts: If you want to hold taxable accounts such as a brokerage account you will have to pay taxes along the way however your money will not be restricted. You can spend your money on anything you want and however you want. You can cash it all in and spend it in buying a house or you can even add to it each year by as much as you want. There is no limitation in these accounts but for all transactions you will have to pay taxes on these accounts.
  • Tax Shelters: You can even invest through a 401(k) plan at work or a Roth IRA personally or both. In fact there are a lot of asset protection and tax benefits that you can use including some other retirement plans and accounts. Just make sure that these have an unlimited bankruptcy protection because if you suffer from any medical disaster or if there is such an incident that clears out your personal balance sheet, you are well protected. In such scenarios you will still be able to recover your investment capital. You will be able to enjoy the compounding effect of these investments and you will be beyond the reach of your creditors. Few of these are even tax deferred often. This means you will get a tax rebate when you deposit the investment capital into the chosen account of investments. You will have to pay tax on these accounts in the future which is often decades later. This will allow you to enjoy tax deferred growth year after year.
  • Tax free accounts: There are even a few accounts that are tax-free. For these accounts you do not have to pay taxes on the money now. You will also not have to pay taxes on any of your investment profits that are generated within the account. Moreover, you will not have to pay taxes on the funds that you may withdraw later in your life. However, good tax planning is required for this just as you should do for your entire career early so that you can earn a lot of additional wealth down the road because the benefits of it will compound upon it automatically.
  • Trusts: There is a lot of different asset protection mechanisms such as trusts in which you can invest as well. These entities and structures provide a few major tax planning and asset protection benefits when you use this specific ownership method. These entities will also help you to restrict the way in which your capital will be used.

However, if you have a lot of real estate investments and operating assets it is best to speak to your attorney before you set up a holding company. Strategic and careful planning will reduce the risks and increases the yield on your investment. When you have enough funds with you at the right time you can get rid of your debts if any not having to take help of grants and benefits that you will come across at nationaldebtreliefprograms.com.

Safety tips for new investor

Since inviting money is involves risks you will have to take caution about how much you invest, on which you invest and how you invest.

Always make sure that the framework of investment is not out of the way. Also make sure that you have all the ends covered so that there is no free matching money left on the table. Also build up a series of cash reserves to avail a good investing program. As cash is a strategic asset it can dampen volatility but in normal interest rate environments it will provide decent yields as well.

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Money and Finance https://www.1clickguide.com/guide/ownership-and-taxation-are-few-things-to-consider-for-a-new-investor-148.shtml https://www.1clickguide.com/guide/ownership-and-taxation-are-few-things-to-consider-for-a-new-investor-148.shtml Editor Thu, 22 Nov 2018 22:12:19 -0500
General, Federal And State Regulations Of E-Cigarette The rules and regulations regarding the manufacturing and distribution of electronic cigarettes or e-cigarettes usually vary across states and countries. Few states have a few regulations put to it while others have no regulations at all. There are even a few stricter states that ban such e-cigarettes completely.

However, most of the states have introduced strict restrictions on different countries now following suit. Few countries have even licensed these devices as medicines.

By 2015, it was found through different surveys that almost two-thirds of all major nations of the world have imposed some regulations on e-cigarettes in some way or the other. However, the legislation regarding electronic cigarettes is debated in several countries. This is due to the potential relationship with medical drug policies and the tobacco laws.

The manufacturing companies of e-cigarettes have constantly been pushing the government in their region to formulate laws that will support and serve their business interests. However, governments are maintaining their strict stance considering the side effects these electronic cigarettes may have on human health and the growing interest and use of these cigarettes among adolescents.

The new laws

In 2016 the US Department of Transportation has banned the use of these e-cigarettes on the commercial flights to and fro.

  • In December the same year, HUD also passed a rule that prohibited the use of any prohibited tobacco products in any common area, public places and even in each home unit. This ban is even extended further within the next 18 months from the outside of any building to 25 feet from any public housing.
  • This ban by HUD affected more than 700,000 units that included almost 500,000 for the elderlies. This rule was however designed with the belief that it will reduce the overall maintenance costs and at the same time will lower the risk of devastating fires. It was also formulated to benefit the overall health of the community and staff and to help improve the indoor air quality. However, these rules regarding prohibited tobacco products are being reevaluated as warranted.

HUD, however, did not include electronic cigarettes in their list of prohibited tobacco products. On the contrary, they left it for the public housing agency to decide on the use of electronic cigarettes. The ban is usually on cigarettes and cigars, pipes and hookahs or water pipes only. The fact that electronic cigarettes did not carry any maintenance cost savings resulted in its exemption. Moreover, there was no conclusive proof or evidence available for the HUD to state that vapor produced by these electronic cigarettes caused any damage to the units.

The legal status

The legal status of electronic cigarettes is lying pending currently in many countries while on the other hand; several countries have already banned the use of e-cigarettes. In these countries, it is technically illegal to sell these as it contains nicotine which is harmful to human health. In other countries, the sale of electronic cigarettes is restricted to adults only.

  • There are even a few more countries in which the Food and Drug Administration extends its regulatory power to these e-cigarettes. According to this FDA ruling, certain issues are to be evaluated such as the ingredients used to make this product and the health risks. It will also consider the appeal of the product to non-users as well as minors which are banned by the FDA.
  • The rule states that all buyers will have to provide a valid and authentic photo ID proof to buy an e-cigarette.
  • The rule also states that vending machines are not permitted for the sale of electronic cigarettes to all-ages.
  • The FDA used its discretionary power under the Family Smoking Prevention and Tobacco Control Act and labeled e-cigarette devices as well as e-liquids as tobacco products. This means the FDA will have regulatory power in its manufacturing and labeling whether it is the liquid or the device on the whole.
  • The law also states that any vape shop that mix e-liquids or modify devices will be considered as manufacturing sites of electronic cigarettes. That means these shops will have to get them registered with the FDA and comply with the good manufacturing practice regulation.

Role of the e-cigarette companies

With so many rules and regulations imposed by the government as well as the FDA, the electronic cigarette and tobacco companies feared a low turnover and recruited several lobbyists in an effort to prevent such ruling from the FDA. As it is, this ruling not only involved evaluating the electronic cigarette products but also banned the already existing products on the market, which ideally is the primary concern of the electronic cigarette manufacturing companies.

Standardization and quality control

Later, there were several other laws and regulations imposed on electronic cigarettes by governments of different countries and The FDA. Regulations were passed to standardize liquids and vaporizers and for its quality control as well.

Regulations were also made very strict regarding the disclosure of ingredients used to manufacture the e-liquids. In addition to that, there were specific laws made to ensure child-proofing and tamper-proofing for these e-liquid packaging.

The FDA published all proposed regulations for electronic cigarettes and along with it imposed a few taxes on e-cigarettes in different states considering it to be a tobacco product. On the other hand, different regional and state governments took the initiative to broaden their smoking bans within their jurisdiction and included electronic cigarettes in their list of banned tobacco products.

Sale of e-cigarette to minors is strictly banned as these are listed as drug delivery devices because it contains nicotine in the e-liquid. However, in the US, television advertising is not restricted as these electronic cigarettes do not contain tobacco. On the other hand, countries that have regulated these cigarettes as a medical product, however, have not approved these as an aid to smoking cessation.

Therefore, if you buy an electronic cigarette and think of smoking it in public, make sure you know about the rules and regulations that govern your purchase and smoking of e-cigarettes.

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Legal https://www.1clickguide.com/guide/general-federal-and-state-regulations-of-e-cigarette-147.shtml https://www.1clickguide.com/guide/general-federal-and-state-regulations-of-e-cigarette-147.shtml Editor Fri, 09 Nov 2018 08:31:23 -0500
Some essential questions that you must ask before you buy a horse Horses make wonderful pets. They have been great friends for man throughout our history. Getting a horse for a pet is a decision that you will not regret. You can do lots of things with a pet horse, like riding out in the country or using it for your transportation or as a farm labor animal. But before you buy a horse, you need to ask some important questions. In this article, you will learn about such essential questions which you should ask before buying a horse. 

  1. The first thing that you need to question is the age of the horse. What is its height and how is its build? You need to check if these numbers match with the criteria that you have set. Only if the match is made, should you go ahead with buying the horse?
  2. You need to check for the color of the horse and see if it has any markings. Lots of people are picky about these issues, and if they matter to you, then you must thoroughly check these also.
  3. You need to check the temperament of the horse. Find out if your horse is gentle, quiet and calm or not.
  4. If you are getting a mare, then you must check if she has any type of mood swings or not.
  5. You need to find out if your horse is easy for catching and then putting a horseshoe on. Will it be easy to trailer your horse and worm it? If your horse is not easy with these, then it will be a burden for you, and you will have to put up with such bad habits and stubbornness.
  6. Does your horse have any type of fears? Like fear of dogs, cars and so on. This will not be an ideal horse if it has such fears.
  7. Check if your horse has any type of health issues. You need to research upon the issue and find out if it will be too much of a problem for you.
  8. You should find out if your horse has any type of physical problems or limitations. Do a proper check-up at the vet to find these out.

You can visit TVG in order to learn more about how you can choose the best horse for yourself as a pet or as a companion.

Wrapping things up

Horses are one of the most beautiful animals in the world. They have been a constant support to humanity for thousands of years. They have been a companion for man through times of both war and during peace. Horses make amazing pets because they are gentle, quiet and calm. There are a lot of breeds of horses that you can choose from for your pet. But you must consider the points mentioned in this article first, before buying a horse. Hopefully, the information mentioned in this article will have helped you.

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Arts and Entertainment https://www.1clickguide.com/guide/some-essential-questions-that-you-must-ask-before-you-buy-a-horse-146.shtml https://www.1clickguide.com/guide/some-essential-questions-that-you-must-ask-before-you-buy-a-horse-146.shtml Editor Mon, 22 Oct 2018 10:17:19 -0400
Decentralized Exchanges (DEXs): What You Need to Know

We all know that bitcoin and other cryptocurrencies have become a hot topic in recent years. Almost everyday we can hear news about cryptocurrency and the blockchain technology. New startups related to crypto band blockchain are being created at a very fast speed.

Among the many applications of the blockchain technology, one that has been getting a lot of attention recently is the concept of decentralized exchanges, or in short, DEXs. 

What is a decentralized exchange? Well, to answer this question, first we need to understand how traditional exchanges work. 

Most cryptocurrency exchanges we know, for example, CoinBase, Bitfinex and Binance, etc. are centralized exchanges. When you open an account, you need to upload your personal information (passport copies, utility bills etc.) as part of the KYC (Know Your Customer) process. Before you can trade at a centralized exchange, you also need to send your money (for example, USD) or cryptocurrency (for example, Bitcoin and Ethereum) to a dedicated account that belongs to the exchange. 

In other words, centralized exchanges will hold your funds. This could be a problem. Before centralized exchanges are big targets for hackers. They are trying to find ways to break into the exchanges and steal people's money. Once they are successful in doing that, they can take a big amount of cryptocurrency away. Once customers' cryptocurrency gets stolen, it'd be very hard for the centralized exchange to get them back. As a result, their customer might lose big.

On the other hand, decentralized exchanges (DEXs) work differently. 

Most DEXs use smart contracts to do trading. Smart contracts are software program hosted by blockchains such as Ethereum. Smart contracts are open sources and reliable. As a result, many DEXs do not need to ask their customers to deposit money or cryptocurrency to the exchange. When customers are trading, the cryptocurrencies or tokens involved will be exchanged by the smart contract and the exchange can happen directly between traders' crypto wallets directly without the third-party temporarily holding them.

Before of this feature, trading on a non-custodial decentralized exchange is much safer than trading at a centralized exchange. 

There're many flavors of decentralized exchanges, for example, the 0x protocol, the Kyber Network, Airswap, IDEX, EtherDelta etc. Different DEXs usually work differently and have different focuses. For example, LedgerDex, a DEX based on the 0x protocol, allows users to add and trade any ERC20 tokens without the lengthy process of asking the exchange to add new tokens.

One should know that DEX is still a relatively new technology. Compared to centralized exchanges, DEX also has some drawbacks.

Since DEX rely on blockchains to execute trades, the speed of blockchain transaction often affect the speed of trading. The Ethereum blockchain recently get congested and become slow quite often. When this happens, trading on a DEX can be slower. 

Also, currently the liquidity of DEXs is usually not as high as that of the centralized exchanges. Although it's easier to get started trading on a DEX, sometimes you won't be able to successfully finish a trade before there're not many traders trading with you.

However, one should realize that DEX is a new technology. Just as any new technology, it takes time for it to grow and become faster, more reliable and more useful. Many people believe that decentralization is the key thing for the future world, and decentralized exchanges might eventually become really big and popular and they might even replace our current centralized exchanges. 

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Money and Finance https://www.1clickguide.com/guide/decentralized-exchanges-dexs-what-you-need-to-know-145.shtml https://www.1clickguide.com/guide/decentralized-exchanges-dexs-what-you-need-to-know-145.shtml Editor Fri, 10 Aug 2018 05:13:18 -0400