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Writing Web-Copy: How to Keep Your Readers Engaged
Attracting your prospect with a decent web-copy isn’t easy… But do you know what’s harder? To keep the prospect engaged throughout the content piece! It isn’t simple since we all know about the human’s short attention span. (Less than the goldfish!) Today, people ‘skim’ rather than reading the ‘whole’ content. So what should a copywriter do to get the audience hooked? To build up a successful relationship between you and your reader, you need to follow this smooth 5-step process Are you ready to build your own ‘engagement boost machine’? YES? Then let’s learn the copywriting VICTORY secret from Spanishwriterpro! Step #01: Know Your Reader You can’t write a copy for someone you don’t know, can you? But it’s more than just ‘knowing’ the reader… You must know his thought process, his daily life, and other related factors to your product/service. Most importantly, find his problems, assess your product, and solve the problem with it. Talk to your reader as if you’re talking to a friend. Your cordial and friendly tone will immediately hook the reader’s attention. Show some emotions to trigger the emotional brain of the reader (the emotional brain has five times more processing power than the cognitive brain). Step #02: Distinguish the Features & Benefits Do you what’s the magic trick of copywriting? “Selling without letting the customers know that they are being sold.” It’s cheeky, but that’s how it works. Your product’s features are just for you. They aren’t meant to get you sales or engagement. The only part about which your audience is interested are the ‘benefits’ of your product. How will your product transform their life from a ‘less’ happy state to a ‘more’ happy state? If you can’t answer this question, then you are less likely to engage your potential customers. Step #03: Present Your USP USP (Unique value proposition) is the heart of your web copy. Can’t find one for your product? It’s not that difficult, though… You just need one excellent benefit that fits accurately on your prospect. Tweak it a little to get more creative with the idea -- That’s it. Your marvelous ‘tagline’ is ready to be used as a USP! Website visitors are in a hurry. They can’t be engaged with something they already saw on ten other web pages. Your copy should be different in terms of its selling proposition. Step #04: Speak More with Fewer Words Know the art of ‘getting a quart into a pint pot.’ Things that can be said in a ‘hundred’ words should be said in a ‘hundred’ words. Copywriters make the mistake of fluffing extra words into their web copy -- and this makes no sense at all. Conciseness in your copy is the key to get more engagements and conversions. The early your readers know why they need you, the more engaging your web copy will be. Step #05: Edit and Optimize Last but not least, this step will make your web copy presentable. A single misspelled word or a small punctuation mistake can turn away your prospect. Keep close attention to your text when proofreading. There are proofreading tools like Grammarly & ProWritingAid, which can be handy. I would recommend editing your full copy in the end -- It saves time, and optimization can be coupled. Since you’re writing for both humans and search engines, the web copy needs to meet the guidelines of SEO while being interesting for the readers. Pro Tip: Do not overoptimize your copy for search engines. In the end, it’ll be a human who would read your content -- Not a search engine bot. Keywords are great for SEO but might be killers for readability, so use them wisely. Humans Connect Humans Being a social animal, a human likes to connect, speak, read, and listen to another human being -- Don’t talk to him like a robot. The moment you speak to him like a friend in your copy, he will be hooked forever. Make fans, NOT customers! Happy copywriting... Read Also: 6 Creative Skills You Can Use During Your Essay Writing Process Research Paper Writing Help: We Work -You Enjoy the Results 6 Ways to Achieve an Essay Writing Task Successfully
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How To Find The Right Criminal Defense Attorney For Your Next Case?
Are you looking for a qualified and experienced criminal defense attorney to help you in your legal case? Do you know how you can find out the best ones with the help of referrals, online research, and Legal Bar Councils? Have you tried looking at the yellow pages and classified ads only to turn up empty-handed and disappointed? Finding the right criminal defense attorney is not an easy task under any circumstances. The search is long and arduous and the end-results might not be satisfactory, let alone being successful. People feel that the first search result on Google will be the best lawyer. However, there is more to it than meets the eye. In this article, we are going to help individuals who are looking for the best criminal defense attorney to represent them. However, before we do, let us first look at why finding the right lawyer is so important. Why Hiring the Best Criminal Defense Attorney is Important? According to experts, there are a ton of ways you can get falsely convicted of a crime if you are not smart enough to defend yourself. From false eyewitnesses to fabricated forensic reports, if you are up against someone big and something to hide, they are going to use every trick in the book to hurt your cause. Most legal experts state that lawyering up with an experienced professional is important for success. Expert legal representation for criminal cases in Illinois guides you at every step and warns you in the event something goes wrong. He or she will also be able to network with authorities, gather evidence, and cross-question witnesses. Many people believe that if they are innocent, it would be an easy thing to prove. However, you need to be prepared for the worst eventualities and not let your guard down at any point in the trial. List of 4 Ways to Find the Right Criminal Defense Attorney 1. Referrals- Most of us even in this day and age start by looking for legal help with referrals. While many others might discredit this process, it is nevertheless important. However, rather than asking your friends and families, you should ask other lawyers. In other words, you might have contacted some other civil cases and taken help from a lawyer. If you're charged with a weapon crime in Florida, consult The Ladan Law Firm for legal advice. 2. Online Research- Online research does not simply mean typing the words- criminal defense attorney and waiting for the results to reflect. It also means doing more research and finding out about your search results from online reviews, checking credentials, and looking at the Legal Bar Council Certifications. This can help give you a better idea about your criminal lawyer. 3. Specialized Legal Websites- There is no one area, which has not been turned yet into an aggregator platform. Whether it is doctors, insurance agents, chefs, or servicemen, you have an aggregator platform for the same. You can see some of the topmost voted lawyers on platforms like Avvo and other sites. Most customers place reviews and place ratings on the various lawyers on the platform. 4. Check-in with the Local Bar Association- If you are someone who does not want to take help from the internet for your search, you can always go the good old-fashioned way. You can head up to the offices of your local Bar Association in your districts and check for someone who you think will best suit your criminal case. See the requisite experience and find out about other successful case histories. The Final Word If you have access to a well-experienced, qualified, and affordable criminal defense attorney, you will be able to navigate the toughest of cases. In this article, we have looked at the importance of hiring a criminal lawyer early and stated some ways how you can find the best ones to represent your case in a court of law. Read Also: The Basics of Criminal Appeals Law What Do Criminal Defense Attorneys Do?
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Anxious About Your Future? Here Are 3 Strategies for Planning Ahead
We all fall prey to vicious cycles of tripping out about the future and imagining the worst possible outcomes. Sometimes, this will happen first thing in the morning. It could be an otherwise beautiful day with the sun shining and the birds chirping, but suddenly the anxiety kicks into high gear, and you see nothing but approaching disaster for your personal life. You might find yourself feeling terribly dreadful over where the state of the world could go if Coronavirus persists longer than anyone ever anticipated. Maybe you get hung up on whether or not your job is really as stable as you thought it was, and if you actually have saved enough money for a worst-case scenario "you're fired" predicament. Well, it doesn't have to be this way. You can effectively take that power away from the beast that is anxiety, and channel your emotional energy into properly planning for your future. As long as you stay the course through following these helpful tips, there's no reason you can't look to the future with anything short of budding optimism. Find a therapist who works for you. It takes a whole lot of effort to try and wrestle out some sense of clarity from your cluttered mind. Sometimes, there are just too many thoughts to contend with. You might be emotionally exhausted, mentally spent, from a tough few weeks at work, and there's just no way you can see yourself regaining that peace of mind on your own. This is when it's crucial to find your ideal therapist in DC. Fortunately, you live in a time where you can schedule appointments with promising therapist prospects from the comfort of your home. You'll be able to speak with therapists that specialize in providing counseling for things like substance abuse, communication skills, self-esteem, cognitive behavioral therapy, relationship issues, family conflict, and also just provide support for the betterment of your mental health in general. Plus, therapists in DC (or wherever you're living) will be able to provide a comprehensive anxiety treatment that aims to help people experience much less stress and an overriding sense of calm through their daily lives. In addition to that, the deeper understanding that you'll gain of yourself in this process will translate to being able to deal with the curveballs that life inevitably throws your way, with poise and effective coping mechanisms. At the end of the day, every human being should prioritize their mental health and wellness for a better quality of life. As long as your mental health is in a healthy place, success flows gracefully from there into other parts of your life. It's never a good idea to plan ahead and try to make decisions about your next step in life if you feel like your mind is about to cave in from a terrible load of anxiety. Taking that time to meet with a series of promising therapists will only end up setting you up for success later down the road. Consult a psychic. It's fun to mix it up and try things that you otherwise never could've seen yourself doing. Consider sitting down with a psychic, and finding clarity in the life path you want to take through consulting their mystical clairvoyance. The folks with that treasured psychic ability, clairvoyance, can be very wise in their own regard. There are different categories within the catch-all term of clairvoyance, as well. You've got your clairvoyant individuals gifted in the art of retrocognition, which is an ability to look back into the past. Someone with retrocognition will be able to sift through your life's past events, to potentially help provide you clarity on a decision you're struggling to make in regards to the future. It's amazing how the past can get in the way of that! There are also clairvoyant individuals that can dabble in the art of precognition. This skill, in particular, can be game-changing for anyone hoping to get future knowledge to direct a decision that needs making in the present moment. Sometimes, all it takes to wipe clean our stresses about the future is to hear from someone who has a specialty in being able to peel back the veil of time itself and glimpse the possible outcomes that lie in wait further on down the road. Through discovering those outcomes you might just stand to choose the best pathway in life. Invest in your future with online education. Once you've gotten yourself to a place where you feel like your mental health is in check, or you've potentially met with a psychic who provided you clarity on the moves you need to make to advance your career to a place you see fit, it can be massively beneficial to explore opportunities present in the world of online courses that could pave the way to a fruitful career. Specifically, we're talking about the RN to MSN programs online. The Bureau of Labor Statistics actually predicts that the family nurse practitioner jobs will grow by 36 percent by 2026. Talk about a promising forecast for any jobseekers interested in growing their careers in a field poised for explosive growth! Plus, you can easily schedule an online appointment with a counselor at Wilkes University to review any information you might need before making the decision about your online program to become an RN. Another added measure of reassurance when it comes to Wilkes University is that they've been ranked a top university for 16 years and counting. As far as any career goals that you might have in the field of nursing go, it certainly helps to know that you'd potentially be attending an acclaimed university recognized for its exceptional educational opportunities, on a nationwide scale. Maybe your ultimate life purpose will end up being one where you find yourself in the role of a registered nurse, with multiple years of experience under your belt. As a clinical nurse leader with a Master's degree, you'll be able to help anyone you can who has been impacted by the gnarly monster that is COVID-19. You and the rest of the world have been made more aware than ever just how fragile this world is. COVID-19 turned the world as we know it upside down. Many folks have found themselves struggling like never before. Jobs have been wiped clean off the market. Companies have worked tirelessly day by day to do what they can to stay afloat in an economy that is simply doing the best it can to ride out the devastating storm that is the Coronavirus. With that being said, there are many silver linings to be found in this time. We've been afforded more time than ever to turn inwards, reflect, and ultimately map out plans for the rest of our lives that come from a place of newfound clarity. All this time holed up in our respective homes can serve as its own kind of gift for life strategy sessions. The worries about the future can take on a different tone, and evolve into optimistic hopes about what the new chapters can bring. Maybe you went for an appointment with the clairvoyant individual with the psychic ability, who seemed to reach into the depths of your soul and dig out the purpose you were otherwise aimlessly clamoring to find. Maybe that purpose ended up being going back to school at the Master's level, and you're able to do so now through an esteemed online university like the one we've mentioned. Maybe you always meant to take your nursing career to the next level with a master's degree, but now there's nothing holding you back except for yourself. All you needed was that reassuring foresight and the extra time at home to hammer out how you'd go about making the dream a reality. Read Also: Healthcare Jobs That Will Be Most in Demand 2020–2025 6 Reasons Why You Would Need Psychotherapy 5 Surprisingly Simple Ways to Manage Anxiety at Work
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Are CBD Lotions Good For Your Skin?
Could Try Out The Latest Health Craze Benefit You? The rise of CBD products as a helpful remedy for everything that ails you has caught the attention of almost everyone. This “miracle” product seemingly does it all, and now, it comes in different forms: oils, tinctures, body bars, and even lotion. But does CBD even really help? Let’s take a look at whether CBD products, especially lotions, are good for you and your skin. Vocabulary to Know: Cannabidiol CBD is short for Cannabidiol, a naturally occurring component of the cannabis plant. CBD is the non-intoxicating part of the plant, so it doesn’t make you feel high like THC does. Instead, it is said to have calming effects that can help with pain relief, insomnia, and more. So far, scientists know that CBD is safe and non-addictive, and several medical studies have even shown that CBD products can have lots of medical benefits. What CBD Can Do Taking CBD as a natural supplement to pharmaceuticals is much more common this year than in years past. As more and more people discover how using CBD products can benefit them, they’re sharing their experiences with their friends and family. So far, CBD has been medically proven or suggested to help with: Autoimmune diseases Neurological conditions Metabolic syndromes Neuropsychiatric illness Digestive disorders Cardiovascular dysfunction Skin disease Should I Use CBD Lotion? The big question people ask is whether CBD lotion is good for their skin. There are so many social media influencers who insist that the products they (are paid to) use are the best, and anything else could disfigure your face. You know that this is dramatic and untrue, but using new products still can be worrisome, for good reason. CBD lotion is actually one of the most commonly recognized forms that CBD products come in. Everyone is familiar with lotion! CBD lotions are safe to use every day, anywhere on the body. Their CBD content is designed to relieve pain, increase blood flow, decrease swelling, hydrate the skin, and help with conditions like arthritis, eczema, and psoriasis. In particular, full-spectrum or broad-spectrum CBD lotion is often found to be the most effective because it contains other endocannabinoids other than CBD, which bind to your body’s endocannabinoid receptors. Together, your body more easily absorbs these beneficial compounds. Pure CBD oil, though still nice to use, does not contain any other endocannabinoids other than CBD, which your body does not absorb as readily. Will CBD Lotion Help My Dry Skin? Because CBD lotion contains lotion, you can use it anywhere you have dry skin. The moisturizing compounds in the lotion will be just as effective at soothing dry, cracked skin, plus you’ll get the benefits of the CBD infused into the lotion. Many people apply CBD lotion to problem areas, including itchy patches of skin that are associated with psoriatic arthritis or contact dermatitis. CBD is soothing and can help lessen itchiness and pain from these types of rashes. Where Can I Buy CBD? Look for high-quality CBD products in specialty stores, online, or at trusted retailers. Research online the source of the CBD so you feel well-informed about its purity and the truthfulness of package claims. Always let your doctor know if you’re starting a CBD regimen. Read Also: CBD: The understanding of its benefits When is it Time to Start Considering CBD Use? The CBD Health Supplements Making People Feel Good Again
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Welltorrent And Its Alternatives: All You Need To Know in 2021
Welltorrent is one of the best torrent sites in 2021, and it is mainly popular to download movies, TV shows, games, apps, software, games, ebooks, and many more. It is a well-known torrent site that is popular all over the world. People usually visit this site to watch and download their favorite movies and shows. The best benefit of downloading movies from this site is that the quality of movies you will receive is amazing. All You Need To Know About Welltorrent Welltorrent has a fast downloading speed, and the features are also very amazing. You don't have to compromise with the quality of content you will get after visiting this site. Well torrent or welltorrent, both are the same. On the other hand, this site has a good search volume on the internet because it provides movies and other content for absolutely free. No signup charges or additional charges are required before downloading your desired movies. The official site of welltorrent is https://welltorrent.com/. However, the government bands all the official websites of torrent because it is illegal to use. The users of these torrent sites come under the piracy crime, so you need to be in a safe zone while downloading any content from this site. You can switch to a VPN (Virtual Private Network) connection if you want to download games, software, movies, shows, apps, etc. VPN will hide your IP address. Top Welltorrent Alternatives In 2021 A small description of the welltorrent is already described above. If you want to download movies from welltorrent, you can easily visit this torrent's official site. Moreover, you can also visit the proxy sites or mirror sites of welltorrent. Therefore, the top welltorrent alternatives in 2021 are described below, 1. Extratorrent Extratorrent is a top torrent indexing website that you will find on the internet. The best advantage of using this torrent site is the database because it is huge compared to other torrent websites. You will find all kinds of movies and shows that you will love watching. However, you must be aware of clicking some inappropriate links because it may contain a virus that can harm your computer or smartphone. 2. 13377x 13377x is one of the most popular torrent search engines that you will find on the internet. It receives more than millions of traffic each day. Almost everyone is aware of this torrent site on the internet. Hence, 13377x and its proxy sites can be the top alternative of this torrent search engine. This site's features are also excellent, and you must know about this if you are a true fan of movies and games. 3. Movierulz Movierulz can also be the top alternative for welltorrent. You can visit the official site or proxy site of movierulz and download your favorite movies. No signup is required before visiting this torrent site, and your personal information is safe. This is a top website compared to other torrent sites, and it is also completely free to use. 4. Moviesda Yes, moviesda is also a top torrent site where you can download movies, games, software, etc. It is mainly popular to download Tamil and Hindi dubbed movies. It has all the features that a popular torrent site should have. This site also receives a good amount of search volume. This site is popular worldwide. If the official site of welltorrent or its proxy sites does not work, you can visit moviesda. 5. The Pirate Bay The Pirate bay is one of the most common search results for every torrent search. This site is considered as the successor of welltorrent. This is one of the top alternatives for welltorrent, and you must visit this site if you are a fan of movies and games. How Can You Access A Blocked Torrent Website? Torrent websites have become an inseparable part of our life. Whenever there is a new movie in the market, we first search it on the torrent website after the release. Most of us prefer watching news movies on our laptops during our leisure time. However, with the policy's current changes, it has become difficult for people to get torrent access. However, there are methods that can be used to access these blocked torrent websites. Proxy Servers Have you come across a website that looks similar to the main website, but it is just a branch website? If so, then you already know what proxy websites are. Proxy websites are also known as proxy servers, which act like stand-in websites in place of the main servers. These websites hold the same content as you would find on the main website. If you are aware of the proxy servers, you will find it easy to access the content of their blocked torrent website. VPN Services Proxy servers are one of the best ways to get around the blocked torrent website. However, there is an even better method, Virtual private Networks (VPN). VPN specializes in masking the original IP address of the devices. It helps the user completely erase the devices' digital footsteps, thereby providing safe access to the blocked torrent website. The Bottom Line Welltorrent is a powerful torrent site that many of you are aware of. The downloading features are also excellent. But keep in mind that all torrent sites are illegal to use. Browsing torrent sites are not illegal but downloading can be considered illegal. So, you must always be on the safer side if possible. The government also takes strict actions against those who misuse this site. Torrent sites steal content from their party servers and host on their sites. Actually, they use the copyright version of other sites. Therefore. This is all you need to know about this torrent website. If you have some other sites, then you can mention them in the comment section below. Read Also: How Many Jobs Are Available In Real Estate Investment Trusts? Is Real Estate Investment Trusts A Good Career Path? REITs Pros And Cons. 3 Reasons Why Businesses Find Application Fraud So Devastating.
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Spoofing Pokemon Go without jailbreaking with Dr.Fone – Virtual Location
First of all, you must bear in mind that Pokemon Go! it is an ever-changing game. Various updates, additions, content that changes, etc., may make small parts of this guide obsolete. For the most impatient, if you want to know how to evolve the strongest Pokémon, what you are looking for is this here. Pokemon Go spoofing: Is it possible? Of course, you can with the Pokemon Go walking hack. We know that most people play Pokemon Go by walking. They walk, find, and catch as many Poke stops as possible. But as players, we can't play Pokemon Go even if we want to. Maybe the situation isn't possible; the traffic is too dangerous, we are not feeling well, or maybe it's raining heavily. That's why faking the Pokemon Go GPS is so important. By faking your GPS location, you can play Pokemon Go anytime and anywhere, even if you are in the comfort of your bedroom. Previously, this article was created assuming you are an iPhone user. Dr.Fone – Virtual Location We introduce a great Pokemon Go location spoof tool, Dr.Fone - Virtual Location! You just have to download the application and run it on your computer. This tool is compatible with both Windows PC and Mac. After the program has been installed, it is time to connect the iPhone to the PC. In the interface click 'Get Started'. You will see a world map, a place for you to set your fake location. In the search bar, find the desired location. Please note, a joystick function has been added so that you can control the GPS direction more freely. Find the joystick at the bottom left of the screen. How to use the joystick? There are two ways; automatic and manual. Everything is operated via a keyboard. The joystick option is very helpful for switching locations (fake) easily. And for your information, thanks to this tool, faking GPS location on Pokemon Go can be done without jailbreaking your iPhone. Dr.Fone - Virtual Location is not only useful for Pokemon Go and other AR games. You can also use it to fool various location-based applications. For example online dating applications. When we talk about online dating apps, we can't ignore Tinder. As free Tinder users, you can't just get acquainted with users in other states. We can find dates without limits by paying. If we use Dr.Fone - Virtual Location, we can move our location and find dates based on our new (fake) location. Dr.Fone - Virtual Location is also useful for making it easier for us to access certain sites that impose restrictions based on geographic location. So in other words, it's a flexible GPS spoofing tool with a wide range of applications. Faking location on the iPhone has never been easier. Read Also: How To Play PSP Games On A PC? 10 of eSports Most Popular Video Games
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How Can Master Data Management Help Your Business?
We have already stepped into the digital era. And when we are talking about the digital era, we are talking about all the digital information audiences consume every day, and all the data companies collect daily. All these data fall under an umbrella term, Master Data. Over the last couple of years, companies had a hard time managing all the data effectively. As most companies are taking the digital approach to engaging with their audiences, data has become the only source of information to understand their audiences better. Master data is the most powerful asset of the company that helps the company make business decisions. All the collected data are categorized and pruned according to the need. Then the data are filtered out department wise. Given how effective data has become in the modern era, Master Data Management has become an important aspect of business irrespective of any size. The whole process deals with the need to end data monitoring. The process starts with collecting the data from the relevant sources, and then the data are categorized according to the needs—these data are then used in the business strategies. How Can Master Data Management Help Businesses? Master data management helps the business to come with effective strategies that can perform well in the market. Here are the benefits that you can reap after integrating Master data management in your business. Improved Data Quality As the MDM streamlines all the data and forces it to go through a single pipeline, it eliminates all the unnecessary data. As a result, the user can work with the current data that is of high quality. MDM acts like a database or a single source of information. This helped the business solve all the confusion that had been a part of the spreadsheet. Reduces Cost And Time It can be challenging for companies to manage all the data collected every day without master data management. The complexity of data management is very challenging, and it also takes up a lot of time. However, with the gartner MDM, you can leave all the work to the data management software. Avoid Data Duplication While you are working with the decentralized application, redundancy can be one of the major problems. This can lead to lots of confusion and can create a crisis for your business. As data-driven businesses are directly dependent on the data, it becomes necessary that you take extra care of the master data. Increased In Data Accuracy Data is of no use if it is not relevant to your business. MDM helps to prune out all the unnecessary data. As the discrepancies can create a ripple that can damage the business's efficiency, it is crucial to get it right at the master data level. Once you can do this, the data accuracy will get a significant boost. Easy Data Edits Without the master data management tool, there is a chance that the users will record data in multiple locations. This can really affect the business in the worst ways. If that happens, then the data will remain isolated from the users and will create inconsistency issues. However, if you have MDM, any changes you make will directly reflect the respective data locations. You will not only be able to do a custom edit. But you will also be able to filter out the relevant data. Master Data Management: A single Source Of Truth Effective data management needs lots of hours before you can actually use the data. However, with master data management, you can easily overcome challenges like managing data manually, redundant data, and data discrepancies are solved in one go. You can break free from the cumbersome sheet, and complex data structures used to eat up lost time. What are your thoughts on master data management? Have you ever used this method for your business? What was your experience with master data management? Read Also: A Brief Introduction to Data Quality Management Systems Why it is important to study Masters’ Degree in Data Analytics?
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Smoking and Other Negative Lifestyle Habits You Need to Kick to the Curb This Year
The COVID-19 pandemic has made us more cognizant of our mortality. Many people are starting to become more aware of the importance of healthy living. Smoking are responsible for up to 90% of all lung cancer diagnoses, as well as many other types of cancer. One of the most important steps towards a healthier lifestyle is identifying and breaking self-destructive habits. You almost certainly have at least one bad habit that is threatening your health and well-being. Your quality of life and life expectancy will drastically improve if you take the correct action. Here are some highly unhealthy habits that you should avoid at all costs. Smoking Tobacco Cigarettes are probably the least healthy mainstream habit in the United States. They are responsible for more preventable deaths than anything else. Although the prevalence of smoking has dropped drastically since the 1970s, 480,000 people still die of cigarette use every year. Cigarettes are responsible for up to 90% of all lung cancer diagnoses, as well as many other types of cancer. In addition to causing premature deaths, cigarettes also hurt your quality of life in numerous ways. They cause vision problems, depression, anxiety, impaired lung function, and many other serious issues. If you are a regular smoker, your number one priority should be to quit. This is the single biggest change in your life that will benefit your health. You can try using tobacco free dip to move away from cigarettes. Consuming Food Late In The Evening You might be tempted to have late-night snacks. There might be a number of reasons for this. Perhaps you didn’t get enough protein with your dinner. You might have eaten dinner too early in the evening, which leaves you feeling hungry an hour or two before bedtime. You might simply feel like snacking to alleviate anxiety. Regardless of the reason, eating snacks late at night creates multiple health risks. It is a precursor to weight gain because your body can’t process the food as efficiently as late at night. Late-night snacks also tend to disrupt your sleep patterns. You might have trouble falling asleep at all and struggle to reach deep REM sleep when you finally doze off. Eating Too Much Meat Hot dogs, hamburgers, and ham sandwiches are major staples in the western diet. Meat isn’t just tasty. It also is a rich source of protein. Unfortunately, many people consume meat excessively. You may develop a number of health problems if you eat too much of it, especially red meat. What health risks can it create? Regular consumption of processed and red meat increases the risk of heart disease, diabetes, and multiple types of cancer. A research team from the Harvard School of Public Health found that eating one serving of processed red meat every day increased the risk of death from cardiovascular disease or cancer by 20%. You don’t need to become a vegan. However, you should minimize your consumption of meat and reserve red meat for special occasions. Using Your Smartphone Too Often (Especially In The Evening) Smartphones are the newest addition that is taking over our lives. Unfortunately, they are so widely accepted that most people refuse to acknowledge the toll that they are taking on our health. Excessive smartphone use can be debilitating in a number of ways, such as: People that use smartphones regularly are more likely to suffer from back and neck problems. Every time that you look down to use your mobile device, you are putting around 60 pounds of pressure on your spine. You have a higher risk of developing vision problems. The light from your smartphone screen can cause long-term damage to your retina. Your eyes might also start to suffer from nearsightedness since you aren’t spending enough time looking out long distances. Your mobile devices might also disrupt your sleep patterns. If you are using them late at night, then you might be throwing off your circadian rhythms. You will have a harder time falling asleep and get less restorative REM sleep as well. You can’t be in denial about the problems that your smartphone is causing. You need to use it in moderation to prevent back, neck, and sleep problems. Read Also: Good Reasons to Stop Drinking in your 40’s
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Bankruptcy Means Test: Why It Matters?
Bankruptcy means a test is done to determine who can file for chapter 7 bankruptcy. The means test considers everything while determining your current position to pay your debt to the creditors. It goes through your income, expenditure, assets, and family members. The means test was designed to reduce the number of debtors willing to get their debts erased. It has been seen that most of the debtors who have applied for the means test have passed. Those people who cannot qualify for chapter 7 or want to keep their assets to themselves can apply for chapter 13 bankruptcy. How Chapter 7 Bankruptcy Works? Applying for chapter 7 can be an expensive and lengthy process. The means test helps the government clarify who is eligible for chapter 7. The Means Test has two parts. Both parts are designed to see through your income and assets and determine the current financial standing. You have to apply for the Means Test only for the primary consumer debts like medical debt or credit card debts. You do not have to apply for this test if your debt is related to business loans. First Part The part of the Means Test determines whether your house income is below the state's median income. The means test starts gathering information about your income, expenses, and assets. These data are mostly collected from the past six months. However, there have been cases where this six months time duration can be changed. After all the reports, if it is being found out that your income is below the median income, you will qualify the Means Test. In a report made by the US government in 2013, more than 12% of the debtors were able to qualify the Means test in the first stage. Second Part The second part consists of going through all your expenses. These expenses consist of everything you pay for, starting from paying your utility bills, grocery bills to the travel expenses and education expenses. Out of all the expenses, only the allowable expenses are considered to be used by you. Other expenses that are not necessary are used to pay off your debts. While you document the list of expenses, be thorough about the things you add to the list. Remember, those expenses will decide whether your petition will be accepted or not. Allowable expenses are based on the local and national standards used by the IRS. The national list covers items like food and clothing, and local items cover housing expenses and car payments. You need to work carefully to ensure that all your expenses are thoroughly documented. What's Next After You Qualify for the Means Test? Passing the means test means you have the green light to apply a petition for chapter 7 bankruptcy. Once your petition is accepted, most of the unsecured debts will be forgiven. That does not mean that this will be the best route for you. There are also chapter 13 bankruptcy that might give more advantage over chapter 7 in many cases. Chapter 13 will help you put a hold on all your debts, mortgages, overdue loans, and bank taxes. What Will Happen After You Fail The Test? Once you fail the Means Test, there are no more appeals for a certain period. You can apply for the chapter, or you can wait for the cooldown time to apply again for the means test. We have already mentioned that the Means Test goes through all your financial income and expenditure in the last six months. That means, after a failed attempt at the Means Test, you can apply again after six months. However, if you do not intend to apply for the Means Test again in the future, you will be restricted to chapter 13 and will have to pay off your debt based on the chapter 13 provision. The Bottom Line Is it really hard to apply for a loan after bankruptcy? Well, you can say more than hard; it is more complex. You first need to qualify the Means Test, and then only you can apply for chapter 7. It is better to have an attorney while you are managing legal documentation. Read Also: 8 Simple Tips To Pay Off Your Loans Faster 5 Must-Have Long-Term Goals for A Secure Future What are the types of debt that can be discharged in bankruptcy? Using Short-Term Loans to Help Rebuild Your Credit Score
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A Detailed Guide to Cashless Car Insurance Policy
As a responsible car owner, you must take the utmost care to ensure that you follow all traffic and safety rules. Wearing a seat belt, obeying the traffic laws, maintaining adequate distance between two vehicles, and driving within the speed limit are some of the safety measures. However, even if you follow all rules, there is always a fear of accidents because of numerous vehicles, reckless drivers, and other third-party issues. An accident can cause significant damage to your vehicle, which may result in huge financial expenses. Hence, in such contingencies, an insurance policy for cars can provide much-needed financial aid. Moreover, it is mandatory to have car insurance in India. If you drive your car without an active car insurance policy, you will be charged a penalty or even imprisoned in certain cases. Car insurance covers medical expenses, property damage, and even third parties. Compulsory third-party insurance covers the owner or driver of the vehicle against claims for personal injuries caused to other people in a road accident. Car owners can obtain a CTP green slip quote from a reputable insurance provider nearby or online in areas where this insurance is mandatory. There are different kinds of insurance products available in the market. One of the most popular insurance policies is a cashless car insurance plan. A cashless policy can save you from spending hard cash while extending the requisite financial coverage. Below is a detailed guide to cashless car insurance: What is a cashless car insurance policy? A cashless policy allows you to get your car repaired without making any cash payment. The expense of repairs is borne by the cashless car insurance policy, unlike a general insurance plan where you are liable to pay for expenses and then file for reimbursement. A cashless car insurance plan will include a network of garages where you can get your car fixed without paying any money. This is also inclusive of online 3rd party car insurance. What does the cashless car insurance policy cover? A cashless insurance cover allows you to get your car refurbished without paying any money. The payment is directly settled by the insurer and is included as a part of your insurance contract. However, the policy excludes deductibles and depreciation, which are explained below. Deductibles: It is the amount that you have to pay while raising a claim. For instance, if you are filing a claim of 20,000 and the deductible is Rs. 2,000. Then, the insurer shall make the payment of Rs. 8,000 subject to other terms and conditions. There are two types of deductibles, compulsory and voluntary. Both are decided at the time of buying the policy. A compulsory deductible is mandatory, and you are required to pay your component of the final amount at the time of claim. Whereas, a voluntary deductible is what you agree to pay, in addition to the compulsory deductible. Depreciation: The value of an asset decreases over time due to the use, wear, and tear or obsolesce. Depreciation is the reduction in the value of the car or any of its parts. The insurer deducts the value of depreciation before releasing the payment. Depreciation is calculated according to the life of the asset at the rates listed by the Insurance Regulatory and Development Authority of India (IRDAI). What is an authorized garage? An authorized garage forms a part of a network of workshops that have entered into an agreement with the insurance company. Workshops meeting predetermined selection criteria get added to the list of the authorized workshops. They offer cashless repair services for insurance policyholders. The repairs are undertaken by trained mechanics who maintain transparency in the pricing. Moreover, the workshop issues the initial estimate of repair expenses, which is reasonably accurate. What are the benefits of a cashless policy? The key advantage of a cashless policy is that the insurance company settles the cost of damages directly with the authorized garage. You need not incur expenses before raising the claim. Hence, there is no financial stress to arrange funds for repair. A good insurance company will have a large network of authorized garages across the country, which further makes the cashless claim process smoother. How to buy a cashless car insurance policy? You can purchase a cashless plan by visiting the nearest branch office of your chosen insurance company. The documentation process is simple and quick, but you would need to go to the branch in-person. Alternatively, you can buy insurance online. Online car insurance India brings in more transparency and convenience in the entire process. Moreover, in the current pandemic situation, the IRDA has abolished the need for submitting the documents or application form in hard copies. The insurer can share the policy document on your registered e-mail ID or mobile number, which shall be treated as a valid physical document. Overall, given the number of rising accidents today, a comprehensive car insurance policy has become more of a necessity than a choice. If you fear the cumbersome claim process and want an easy way out, buy cashless car insurance online at the convenience of your home. The policy protects your vehicle and also assures your hassle-free settlement at all times. Read Also: 10 Reasons to Purchase a Used Car Get Fast Access to Car Title Loan during Bad Times Why You Need Classic Car Insurance? Get Cheap Car Insurance For Young Drivers
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