Blog Blog Copyright by en Wed, 29 Jan 2020 01:04:54 -0500 Best Places to Live in South Florida

South Florida is a great place to call home. Of course, there are many different areas in South Florida that you might consider moving to. There are cities in South Florida that are perfect for certain types of people. Whether you’re a young couple or a family with a few kids looking for somewhere warm to live, South Florida has plenty of options. Take a look at some of the best places to live in South Florida. 

For Young Couples 

If you’re a young couple wanting to live in South Florida, here are a few areas you should check out. You might be looking for a city that offers plenty of activities to partake in on the weekends. You might also be looking for a city that other people your age call home. These cities in South Florida meet those specifications. 


Most of the people living in Miami prefer their urban lifestyle. Many of Miami’s residents are young professionals who rent. In Miami, there are lots of bars, coffee shops, and shopping areas to explore. 

Ft. Lauderdale

Ft. Lauderdale is a city that’s packed with bars, coffee shops, and restaurants. It has an urban feel but isn’t a huge city. In Ft. Lauderdale, you can enjoy living in the city while being close enough to head to the ocean. 

Delray Beach

Delray Beach is located close to the beach so you can spend your days in the sun. There are also lots of outdoor activities to enjoy. If you’re into the social scene, check out the bars, restaurants, coffee shops, and more in the area. Lots of young professionals live in Delray Beach. 

For Families 

If you are moving to South Florida with your family, these are some of the best cities to consider. When you’re moving to a new city with your family, you are probably thinking about safety, schools, and activities your children can take part in. Weston, Boca Raton, and Port St. Lucie all have a lot to offer. 


Weston is the perfect suburb to raise a family in. It’s a safe and secure city that’s family-oriented. There are lots of parks to visit. The schools are top-rated, and there is a low crime rate. 

Boca Raton

Boca Raton is another good place to raise a family. There are highly rated public schools in the area. There are lots of activities for children to enjoy, including museums, outdoor play, and more. 

Port St. Lucie

Port St. Lucie is more rural than the other cities in South Florida. It has lots of outdoor activities for families to enjoy. There isn’t nightlife, which means you can feel safer in the area. 

Why Florida 

There are lots of reasons that people love living in Florida. It’s a great place to live and has plenty to offer its residents. Here are some of the top reasons to live in Florida. 

  1. The weather. Florida’s weather is one of the most popular reasons that people make the move. Even though the summers can be pretty hot, the mild winters make the high temperatures worth it. Plus, it’s almost always sunny. 

  2. No state income tax. Another major draw is that there is no state income tax in Florida. Other taxes in Florida are lower than they are elsewhere. This is a great way to save money. 

  3. Sports teams. Florida has a total of ten professional sports teams. If you’re into sports, you can catch a live game almost any time you’d like to. The list includes the Miami Dolphins, the Tampa Bay Rays, the Orlando Magic, and more. 

  4. Amusement parks. Though places like Disney World and Universal Studios might have a lot of tourists, you can still enjoy them. If you visit in the off-season, you can explore the parks with fewer crowds. 

  5. Fresh seafood. Living near the coast means that you get the freshest seafood on your plate. Seafood is caught from both the Gulf and the Atlantic, giving you a great selection to choose from. 

  6. Beaches. In Florida, you can soak up the sun on any of the state’s gorgeous beaches. With the warm weather, you will get plenty of beach days. Some of the top beaches include Palm Beach, South Beach, and Delray Beach. 

It’s a Place to Start and Finish 

Whether you’re just starting your adult life or looking to wind down, South Florida has got a place for both of those. Consider these cities when thinking about moving to a new place. 

Travel Editor Tue, 21 Jan 2020 22:15:34 -0500
What is a VPN service and why do you need one these days?

Once you start using a VPN, it's like agreeing to the terms and conditions of taking all your online activities at a whole different level.

Without exaggeration, VPN technology is one of the most useful and user-friendly online tools. No wonder why it became so popular.

Before discussing why it's important to have a VPN installed on your device, let's focus on what is the VPN and how it can enhance your online experience.

So, without wasting any more time...

What is a VPN?

A VPN stands for Virtual Private Network, and this hype technology does exactly what its name suggests. So, by enabling a VPN connection on your device (no matter if we talk about PCs, laptops, smartphones, routers, or smart TVs), you are creating a private scope of communication between your device and the frightful World Wide Web. Therefore, anytime you will try to access a website on the Internet, the VPN will take care of your request by redirecting all your traffic through a VPN server. The private side of your connection is granted by the encryption that the VPN brings to your connection.

Therefore, it's super easy to say that the VPN not only acts as an imaginary bridge for your data, but it's also protecting you, if you are concerned about the privacy of your online data.

How does a VPN work?

The VPN technology is pretty complex, but this thing shouldn't scare you away, as there are VPN providers who make things pretty easy for VPN users. Before getting to that subject, let's understand how does the VPN work.

So, for a secure VPN connection, there are 3 major components involved: the VPN server, the encryption standard, and the VPN protocol.

Anytime a VPN connection is enabled, the user connects to the VPN server. This component, helped by the encryption standard will encrypt your traffic, which will be then guided by the VPN protocol to its destination on the web.

Why do you need a VPN in 2019?

The online world became more and more challenging. The VPN came as a saving solution for all the responsible internet users who are aware of this thing. If you're not using a VPN at the moment, but you're preoccupied about what happens with your online data, here's why you need a VPN:

  • Protect yourself on public WiFi. We all have at least one device connected to the internet. The best example is our smartphone. This compact device carries the most important and personal information about us. Anytime you connect to a public WiFi, you are automatically exposed to a series of online dangers like hackers, man-in-the-middle attacks, fake WiFi hotspots, viruses, and so on. As you cannot be sure what hides behind a public WiFi, you need to stay cautious and use a VPN to encrypt your traffic and secure your data.
  • Change your IP address. Your IP address is like that friend you cannot trust. Once you connect to the Internet, your IP address leaks a series of important information about you. Anytime you connect to a VPN server, you are automatically assigned a new IP address corresponding to the VPN server you choose for your connection. What does this mean? That all the traffic generated from that point on, cannot be associated with you. Therefore, the VPN will help you surf in complete anonymity.
  • Encrypt your traffic. Encrypting your traffic it's mandatory, especially if you're interested in keeping your online activities private in relation to your ISP or any other curious 3rd party. Data encryption is accomplished in a really simple way, just by successfully connecting to the VPN server. Keep in mind that, just like any other software, VPNs may have their flaws too. So, to be sure that you have successfully enabled the VPN connection, test your VPN before surfing the web.
  • Bypass geo-restrictions. Internet censorship is taking the internet by storm and the notion of an open internet no longer exists. The VPN is super helpful if you're interested in bypassing internet censorship and enjoying the internet without restrictions.
  • Access blocked websites. I don't know if you're aware, but social media websites like Facebook and Twitter, or services like Skype and Whatsapp are blocked in certain countries around the world. The same situation happens with media streaming services like BBC iPlayer, Netflix, or Pandora. With the help of a VPN, you can enjoy an awesome online experience, as it's able to change your IP address, allowing you to successfully access blocked websites, wherever you are in the world.
  • Secure your torrenting activities. Downloading torrents it's not illegal, as long as you don't download or share copyrighted content. To download torrents like a pro, a VPN is recommended, as it helps you ensure your online security.
  • Avoid bandwidth throttling. If you're a heavy streamer or torrenter, your ISP may ban you, by throttling your connection. As the VPN keeps your online activities private, it will help you hide this secret from your ISP.

How to use a VPN service?

The VPN market is stuffed with VPN providers. Therefore, getting a VPN shouldn't be such a hard task to accomplish. Still, free VPNs are not an option if you're truly preoccupied with your online safety.

Once you've decided to subscribe to a reputable VPN service, you will need to decide how you want to use your new subscription.

There are plenty of options available:

  • Get the VPN app for your OS and enable the VPN with just a click.
  • Manually configure the VPN connection on your device.
  • Manually configure the VPN connection on your router.

As nobody has the time to swing between servers and protocols manually, the recommended approach would be to get the VPN app compatible with your device.

A VPN app is an automated software that integrates all the VPN components. So, with just a click on a button, your VPN connection will be enabled.

Online privacy, security, and anonymity in your control.

The VPN clearly enhances the way you surf the web. And, no, you don't have to be paranoid to care about your online security and what happens to your online data, as soon as you connect to the internet.

The Internet's evolution teaches us that we need to keep an open mind, be flexible, and ready to adapt to the latest digital trends.

Actually, the VPN is not a trend, the VPN is clearly a must!

Computers and Technology Editor Fri, 13 Dec 2019 03:36:04 -0500
Steps to Take After a Truck Accident Getting into any type of road accident is always a scary, overwhelming and stressful situation. However, if you are involved in an accident with a huge truck, it can be even worse due to the massive size and weight of the vehicle. People involved in such accidents frequently suffer severe injuries that may be catastrophic in nature, while others may even sadly be killed. However, if you are physically able to manage it, you must keep your wits about you and take certain steps to ensure that the party who is at fault for the accident is held responsible. It’s important to be diligent and take these steps after being involved in a truck accident.

Get Medical Attention

Above all else, you must make sure to get immediate medical attention after getting into an accident with a huge truck. Even if you feel as though you are not injured, this might be an illusion as adrenaline frequently runs high after a road accident. As a result, you might not immediately realize that you have, in fact, sustained injuries. You will want to get checked out just in case you may have some unforeseen injuries such as those that are internal. Secure medical attention for other people involved in the accident as well. Acting quickly can help to prevent injuries from getting worse and can even help to save lives.

Call 911

You should also call 911 to summon the police to the scene of the truck accident. Doing so ensures that the police can assess the scene, get evidence and make a report of the accident. This is especially important if you have sustained an injury and your car has been damaged and you plan on filing a personal injury claim. It is good documentation that you can use as part of the evidence to back up your claim.

Remain at the Accident Scene

You should also remain at the scene of the accident after the crash, at least until the police arrive. If you leave, you face the risk of possibly being charged with a hit and run even if you know the accident was not your fault. At the same time, you should make sure to stay clear of the roadway to avoid any additional potential disasters. If your car cannot be moved, step out and get to the side of the road while waiting for the police.

Document the Scene

You will also want to document the scene of the accident. This means that you should snap as many pictures of the damage and the road as possible. Focus on the vehicles involved, the skid marks on the road and anything else that is notable and relevant to the truck accident. You may also want to take down some notes of the events that led to the accident. Generally, anything that securely documents the scene can be helpful when you are planning to file a personal injury claim.

Contact an Attorney

You should also contact a personal injury attorney who is skilled in the area of truck accidents as soon as possible. A truck accident lawyer has the knowledge and experience necessary to effectively handle your claim and get the ball rolling so you can get the compensation you deserve for your medical expenses, any ongoing treatment, lost wages, car repairs and more.

Establishing Liability

In an accident involving two cars and two drivers, establishing liability is fairly straightforward. However, when the accident involves a commercial truck, things may not be so simple. Depending on the factors of the case and what specifically led to the accident even occurring, your attorney will have to establish exactly who is liable. If the truck driver was negligent, it means they breached a duty of care. For example, if a witness noticed that the trucker was texting while behind the wheel, this is a sure indication that he was distracted and therefore, negligent.

However, there are other situations that may point to someone other than the truck driver being responsible for the accident. If the truck was improperly maintained or the cargo was inadequately secured, leading debris coming loose on the road and leading to an accident, the trucking company can be held legally liable. In addition, the trucking company may even be held liable if the truck driver behaved negligently. For example, if the company did not provide sufficient training to the driver, you can file your personal injury claim against it.

Business and Law Editor Thu, 05 Dec 2019 22:17:58 -0500
Tips on How to Stay Secure While Connecting to Public WiFi Networks

Internet development and evolution are happening right now, as you read this article.

Besides the improvements performed to the hundreds of thousands of invisible networks existing on the internet, new articles, researches, and studies are pushed on the internet daily, a fact that will help you find more relevant answers to your question.

Hand in hand with the Internet's evolution, the number of cyberattacks and online criminal activities faces an alarming increase.

Internet users may face such online threats while connecting to public and unprotected Wi-Fi networks.

If you're curious about how to protect yourself while going online, stay with me, and learn how to upgrade your online routine.

Why do you need to protect yourself on public WiFi?

Can you imagine traveling without being able to access Google Maps? Or can you imagine working remote for a month or two without being able to chat with your family on Skype?

The Internet has an important role in our lives, as we tend to be online and connected to the World Wide Web every minute. Therefore, this behavior can put us in front of many online dangers, especially if we choose to connect to public Wi-Fi networks in pubs, hotels, or airports.

As a quarter of all the WiFi hotspots around the world use no encryption at all, your online security, anonymity, and privacy are put at risk.

Besides the mighty hackers who may steal your personal data, there are other types of threats that you can face like man-in-the-middle attacks, malware, or even end-up using a fake network.

Data encryption has a crucial impact on anything you do online, so you must keep in mind that on the internet, you need to better be safe than sorry.

How to stay safe while connecting to public Wi-Fi networks?

Even if our advice would be NOT to connect to public hotspots, we all know that this thing is impossible. So, here are a few things that you can do to avoid an unpleasant online situation:

Verify the network and Turn off file sharing.

Remember to doublecheck what network you're about to choose. For this, take a closer look at the network's name and, if possible, ask a person working in the place you're at if the hotspot is legitimate. Another thing that you should keep in mind is to turn off the file-sharing option on your device, as this is an easy task anyone can perform from the control panel.

Connect only to HTTPS websites.

HTTPS is HTTP's baby and is the secured version of this communication protocol. The S stands for Secure and is put there to let users know that this version of HTTP is encrypted. So, if you use HTTP instead of HTTPS, any skilled hacker may see anything you do online, while connected to an unsecured public WiFi network.

Use a VPN.

VPN technology is one of the most useful tools that provides you protection over public networks. In super-easy terms, we can say that a VPN is an improved version of a hide IP tool. The most important extra thing that a VPN provides is the military-grade encryption granted by the encryption standard used.

As the VPN connection is super easy to be enabled via a VPN app, you will just need to remember to open the app and click a connect button before connecting to the public WiFi network. However, keep in mind that the VPN connection may fail, so make sure to test your VPN to rest assured that everything works smoothly.

Use an Antivirus.

Just like a VPN, the antivirus is another application that does its job, making sure that you won't download and install any malicious document that may put your digital security at risk.

Enable your Firewall.

As its name suggests, the firewall stands like a protective wall between your device and the digital world, actively monitoring all the data that is sent and received. Even if the Firewall won't grant you complete protection, it does a great job of preventing unauthorized external access to your system. Therefore, as soon as the firewall detects malicious data packets, it will automatically block that specific data, keeping your connection secured.

Avoid connecting to your personal accounts.

Even if a public Wi-Fi network may seem secure, you always need to stay suspicious. Be a responsible internet user and do not access your personal bank accounts or other accounts that may require putting in sensitive personal information or passwords. Plus, remember that it's not recommended to do online shopping while using a public hotspot, as online shopping implies adding your bank account details or the login credentials. So, shop smart!

Verify what you're signing up for!

I hate all the discount pop-ups that show up while I visit different websites. Even if some of them may display generous deals or may invite you to sign-up for a really informative newsletter, I am always in a rush, and I find these marketing techniques disturbing.

If you're on the other side of the fence, make sure to double-check what you're up to sign-up or download from a website when using a public Wi-Fi network. But, if you did signed-up without checking and additional software installation is required, make sure to "abort mission" immediately.

Better stay safe than sorry!

Keep in mind that "there is nothing more frightful than ignorance in action".

With all the information existing on the web about how important is to surf securely, especially when using a public WiFi connection, getting in trouble is a choice.

Plus, with all the options you have to stay secure while going online, being a responsible internet user shouldn't be a challenge. And, keep in mind to never use the excuse that you're not a skilled technician. You need minimum tech knowledge to use and test a VPN connection or to enable/disable file sharing from your device.

Being ignorant of the web is a choice!

Computers and Technology Editor Thu, 21 Nov 2019 09:28:02 -0500
5 Tips To Overcome When Starting Cryptocurrency Investing When it comes to investing in cryptocurrency people have to take into account that this very volatile market is not for the weak-hearted. On the other hand, this market has matured a lot and has all the properties a regular market (like Forex) has, which is market cycles. Still, there is just one thing which makes the cryptocurrency market unique and that’s regulation or to clarify; the lack of regulation.

As a result, anyone can launch a new cryptocurrency and put it into the markets. This open character of the market could bring the lucky ones big profits, but there are also lots of investors suffering from big losses. If you are planning to join this game but haven’t started yet, you are on the right spot. In this article, 5 tips to overcome when starting cryptocurrency investing.

1.Do your own research

Before you start buying into coins, it’s very important to do your own research. There are several ways to do this but a good place to begin with is Coinmarketcap. This website gives in a glimpse a total overview of the current market and has hyperlinks to every coin out there. Also, do some research into the technology of blockchain networks. A good place to go to is This site gives a deeper insight into this network and has an interesting graph’s about current transactions and network statistics.

When you are feeling more confident about this market and corresponding technology, it’s time to find the best online platform to start buying some cryptocurrency. So when you’re new to this or do not have much experience with crypto investing all possible online trading platforms out there could be a little bit overwhelming. Don’t worry too much about that. Currently, the biggest and most reliable exchanges out there are Binance or Coinbase. Both platforms have the highest daily volumes and are proven to be secure over time.

2.Be disciplined and have patience

Most starting investors who are entering the markets, came to this place because they read some success stories on social media about getting rich in just 24 hours. Of course, these stories exist but if you are entering these markets and expecting the same, I have to disappoint you. It just doesn’t work this way, although not anymore. In other words, cryptocurrency investing isn’t a get rich quick scheme.

If you want 5x-10x results(which is still possible) it takes discipline and patience. To do this, stick to your plan and don’t get distracted at results of other investors in the community. Give the developers of your favorite coin some time and participate in their community by joining their telegram or slack channel.

3.Invest time in learning the fundamentals

So now that you have invested in some coins it’s time to do some homework. Most cryptocurrency investors who are successful are just playing the ‘HODL’ game. It’s proven that this kind of cryptocurrency investment strategy is the best, but it takes time! HODLING is a slang in the crypto community which means not to sell for a quick profit but hold on to your investment. If you are planning to do this, you have plenty of time left.

Next, you can use this time to learn the fundamentals by for example deep diving in the mother of all cryptocurrencies which is Bitcoin. A good place to start is reading the Bitcoin whitepaper and learn more about Blockchain technology. It’s just a win-win because you are turning in an expert now, which gives you the possibility to evaluate other interesting coins.

4.Be responsible It’s your money in the markets

Like I mentioned earlier in this article, a lot of starting investors are entering the crypto markets based on others ‘most lousy’ opinions. This is a big risk and also lacks responsibility. You have to take into account that most investors are in it for their own profit and not really care about other investors.

In other words, if you put money in the market based upon someone else’s opinion but getting REKT instead it’s still your responsibility. You can blame the other person, but it’s you who did the investing with your money in the first place. Your money always comes first!

Of course, it’s a good thing if another cryptocurrency investor wants to help you and give some guidance so you shouldn’t start to ignore it. Just remember that it’s your money and you are the one to blame.

5. Invest only what you can afford to lose

Don't expect that profits are guaranteed when crypto investing. It's not! There are plenty of examples of investors who took a loan or sold their property during the ATH of cryptocurrency back in 2017. They could be in deep trouble right now, because the markets haven’t recovered yet. What to do if you need the money, but it’s all in the cryptocurrency markets?

Another good example is the many Youtube video’s which suddenly appeared online during the bull-market back in 2017. The business model of Youtube channels is that the videos with the most views will rank high. As a result, content creators try to join the hype and clickbait you with headlines like “How I made 25K in Bitcoin in just a few weeks”. If you invested big on that kind of advice big chance you got into trouble.

Finally, some motivational words about investing in cryptocurrency. Bitcoin doesn’t care what color you are, what religion you have, what your age is or gender. Happy investing!

Money and Finance Editor Mon, 04 Nov 2019 22:41:00 -0500
Do Individuals Over 50 Need Life Insurance? If you are familiar with life insurance, then you know how important it is especially for individuals that are kicking off family life. Life insurance provides a buffer or soft landing for the young family, especially if their sole provider has taken out life insurance coverage.

The whole idea of life insurance is that in case the insured person dies, there will be an insurance payout by the insurance company, therefore allowing his next of kin to benefit from the life insurance coverage. The main reason why this is important is that in case the insured person dies, then his family will not be left to suffer in his/her absence. So makes sense for young families. 

The fact that life insurance coverage is best suited for young families raises the question of whether it makes sense for anyone to get life insurance over 50. This might be a valid question for many because they are already done raising children by the time they reach 50-years-old or at least their children are approaching adulthood at that age. So why then would anyone that has already lived half a century be interested in a life insurance?

Starting a family late in life

Subscribing to life insurance coverage at 50-years-old makes sense to those individuals who start careers at this age. It is not often but also not uncommon for people to have children when they are already in their 50s. In today's fast-paced world, it is not unusual for people to delay having children so that they can focus on their careers and thus have children in their 40s or 50s. They may thus opt to get life insurance coverage even when they are in their 50s so that their families will be protected in case of death.

Business succession

Life insurance coverage may play an important role for those over the age of 50 as a tool for business succession.course this makes sense for individuals that own businesses. Their life insurance policy payout can be used to make sure that the business remains afloat before the business is transferred to new ownership or management.

A supplement for their pension

Rental income or pension is often the only source of revenue for many families after retirement. However, pension payouts often dwindle, and sometimes the tap even runs dry in case the retiree dies. This means that the people dependent on the retiree might be left struggling financially. Anyone over 50-years-old who might be looking for another option to provide an extra revenue source for their family when they are gone should consider life insurance coverage. Life insurance policy payouts might be the most logical way to make sure that your family has some financial flexibility, even in your absence. 

Life insurance policy payouts can cover estate taxes

Estate taxes can be a huge burden to a family when their sole provider passes on. It might require the family to spend a significant amount of money to cover the estate taxes. Life insurance coverage is a good option for a backup plan that will help offset the burden of paying estate taxes. This is a burden that would have otherwise gone to the family after the owner of the estate dies.

Life insurance payouts can be used to offset funeral expenses

Reaching 50-years-old is a key milestone in life. However, it also means that one has probably surpassed the midpoint of their lifespan. In other words, the years ahead will likely be fewer than the ones that you have already lived. So this is why you need to start preparing for your death. It might sound a bit scary, but it is necessary. If you are the breadwinner in your family, then it is a good idea to look into how you can help your family reduce any expenses that may not only come with age but also your demise.  Life insurance coverage is ideal for this purpose because it will not only help to cushion your family in your absence but also help to cover your expenses, such as hospital expenses and funeral costs.

Supplementing your savings

Life insurance coverage may also present an opportunity for anyone over 50-years-old to access an avenue through which they can supplement their income. This is because a life insurance plan can be used as a way of storing cash which can then be used for different aspects upon withdrawal in the future. This is a good option for anyone that does not want to invest their money in other avenues due to the issues such as unpredictability and complicated nature of investment markets. The policyholder could relax knowing that their life insurance principal amount is not at risk of erosion as would potentially be the case if they had parked their money in the stock market which has its moments but also faces headwinds.

Selecting the coverage that is best suited for individuals over 50-years-old

There are two main life insurance coverage categories to choose from if you are over 50-years-old and interested in life insurance. They are permanent policies and term life insurance. Term life means that the applicant will subscribe to a life insurance policy that only offers death benefits. This means that it does not have savings or cash value benefits. 

Term life insurance is also made available for a fixed duration of time before it expires. Term life policies commonly last for five, 10, 15, 20, and 30 years. Permanent life insurance like the name suggests offered to clients who want permanent life insurance coverage, meaning that there is no expiry attached to such. It also offers more flexibility to the policyholder by allowing them to withdraw or borrow from the cash value of their insurance policy coverage.

The flexibility of the permanent life insurance coverage means that the policyholder can use the funds for purposes such as offsetting a loan or a down payment for a house. It is worth noting that permanent life insurance coverage attracts a higher premium than term life.

Money and Finance Editor Tue, 22 Oct 2019 10:46:23 -0400
Kayaking Tips: Gears and Accessories for a Kayaking Trip

Kayaking has become a very popular water sport, and people around the world love kayaking in their free time and while on their holiday as well. Whether you are planning for a day trip or multi-day kayaking trip you will need to have some planning before heading off on a journey of your own. Here are some tips to help you plan your trip and what kind of gears and accessories you should take for a whitewater or touring kayak trip.      


Selecting the right kayak is very important while planning for the kayaking trip. There is various kind of kayaks model available to choose from. If you are beginner level kayaker, then you can choose recreational kayaks. This type of kayak is short and has large cockpits for paddlers to climb in and out easily. They also have back support to give you comfort.

You can also select a sit-on-top kayak. This type of kayak has no cockpit, so you have to sit in a molded seat on the top of the kayak. If you are worried about getting trapped inside a regular kayak, then sit-on-top kayak is the right solution for you. The downside of sit-on-top kayak is you will get wet when you paddle as water will drop off the paddle onto you.


You have to be very careful while selecting your paddle. People made mistakes by mixing kayak paddles with canoe paddles. Just remember, kayak paddle has a blade on both ends, and they are 210cm to 260cm long. You have to pick the paddle according to your height. The taller you are, the longer the paddle you need. For a long kayaking trip make sure you have a spare paddle for case of emergencies like paddle breaks or gets lost.   

Bouncy Aid

Safety should be the first priority while planning your kayaking trip. Regardless of the expertise, every kayaker should wear a buoyancy aid. Buoyancy aids are quite similar to life jackets, but they let more movement around the arms and neck. That means buoyancy aids are much more comfortable than life jacket while kayaking. Don’t ignore this gear as you never know when you might get into trouble in the water.


A helmet is another important gear that you must bring with you while kayaking. Kayakers always wear helmet as it protects their head from getting bashed by their own paddle as well as from the boat if they capsize. If you are kayaking in the sea then you might not need a helmet, but if you wear one you will lose nothing.

Wet Shows

Wet shows are made of neoprene with grippy rubber soles. These types of wet shows are best for walking on slippery surfaces. So, when you are going out on a kayaking trip, don’t forget to bring wet shows with you. Wet shows are not expensive; in fact they are cheap and worth buying.     


Picking the right dress is very important, and it mostly depends on the weather. If you are planning your trip on a hot sunny day and paddling on flat water then you might be able to get away wearing shorts and t-shirt. Though, most kayakers like to wear a dry top or wetsuit.

There is a saying, dress for the water not for the weather. While kayaking, there are chances you may get wet. The weather may feel warm, but the water might be very cold. So the best practice is to wear dress for the water temperature.

During the winter season, it’s a very good decision to wear a wetsuit or a dry suit. Drysuits are absolutely watertight suits, but they are bit expensive. So if you are a beginner level kayaker then you can wear a wetsuit.                 

Rope Bag

Generally, rope loosely tucked inside a rope bag. You can’t ignore the importance of a rope bag while kayaking in the water. In fact rope bag is a very handy piece of essential kayaking accessories as you can use this bag to rescue a fellow kayaker when needed. You hold one side of the rope with your hand and throw the rope bag out to the kayaker in trouble to hold onto it.     

Dry Bag

You are planning a trip on the water. So how can you keep all your goods, gears, and accessories dry? The solution to this problem is dry bag. A dry bag is completely watertight so you can easily keep all your accessories dry even if you capsize. The dry bag comes with different size; pick the one that suits your need.

Bottom Line

Finally, kayaking is a very fun activity. However, it is very important to carry all the necessary gears and accessories with you while on a kayaking trip. These kayaking gears and accessories ensure the safety of you and your fellow kayakers.

Author Bio:

James A. Rockey is a professional kayaker and he is the founder of KayaksPoint.  He has more than five years of fishing experience, and he loves using Kayaks while outing as well. Based on his experiences with the different type of Kayaks; he is sharing his opinion about kayak reviews and fishing so that a beginner can get started right away.

Arts and Entertainment Editor Sun, 06 Oct 2019 11:12:20 -0400
8 Tips to Plan for a Successful Retirement About 10,000 people retire every day in the U.S. but the majority of them have far less in retirement savings than they need to live comfortably. In fact, the average 65-year-old has less than $200,000 in retirement savings.

If you’re not where you want to be financially as you approach retirement, it’s never too late to take steps to put yourself in a better position. Here are some tips to keep in mind as you prepare for life as a retiree.

Max out your 401(k), especially if you get a company match

When your employer matches your retirement contributions up to a certain percentage of your salary, do whatever you need to do in your budget to take full advantage of that free money. You’re making 100% on your contributions right off the bat; it will take years to get that kind of return from the stock market or bond funds. Ideally, you should max out your contributions up to the annual limit, but if you’re not there yet financially, make sure you’re getting 100% of your company match money.

Review your 401(k) fund options

Depending on who manages your retirement plan, you may have many mutual and index fund options, or just a few, but it pays to do your homework and learn about each one. Index funds are much cheaper to own than traditional mutual funds; a difference of just 1% can add up to tens or even hundreds of thousands of dollars if you have 20 or 30 years of compounding before you retire. An inexpensive S&P 500 index fund is a great all-purpose option for growth and managed risk.

Plan for health care expenses

A health savings account is another tax advantaged vehicle for building up cash for retirement. In 2019, you can contribute $3,500 pre-tax for a single or $7,000 for a family to an HSA if you have high-deductible health insurance. Unspent contributions roll over year after year; when you turn 65, you can withdraw money for any reason, not just health expenses.

Pay down debt

The shift from salary to fixed income takes some getting used to; don’t make it harder by starting retirement with monthly debt payments. When you’re five to ten years from retirement, focus on cleaning up your balance sheet and getting rid of debt. Get in the habit of paying your credit cards in full each month.

Re-evaluate your home as a retirement asset

If your home is paid off and its value is a small percentage of your retirement wealth, it may make sense to keep it after you retire. If your home value represents more than half your retirement wealth, weigh the pros and cons of selling it and investing the profits. You can either downsize to a smaller, less expensive home or rent something suitable. Remember, a paid-off home isn’t a “free” place to live; you still have taxes, insurance, maintenance and repairs, HOA or condo fees—most people spend between 2% and 4% of their home value each year just keeping the house in good repair.

Prioritize your retirement over your kids’ college

If you have children, paying for college may be one of your top priorities. If you’ve fully funded your retirement by maxing out your 401(k) and IRA each year, go ahead and put money in a college fund. Remember, however, your kids can always get education loans—there’s no such thing as a retirement loan. And if you ask your children if they’d rather have 5-10 years of student loan payments or help you out in retirement for 20-30 years, they’ll pick student loans every time. If they do have to take out student loans, you can always help with the payments if you have the cash flow.

Get smart about Medicare

Medicare isn’t free and it doesn’t cover 100% of your health expenses. Learn about Original Medicare, Medicare Supplement Plans, Medicare Advantage, and Part D prescription drug coverage. Find out what typical costs might be for each type of coverage and how much protection you want against unexpected health care costs. Know your enrollment dates so you don’t get penalized in your monthly premiums and get the coverage you need.

Be conservative about Social Security planning

Social Security probably won’t ever go away completely, but it’s highly likely it will continue to evolve over the next 30 to 50 years. Benefits calculations may change, the retirement age may be raised again, FICA taxes could go up—it’s impossible to predict what you’ll get if you’re more than 15 or 20 years from retirement. Request and review your Social Security statement each year to correct any errors, and build your retirement savings plan around the lowest benefits estimate. It’s better to be pleasantly surprised than financially devastated.

Retirement planning doesn’t have to be complicated, but if you’re not sure you’re on the right track, get a check-up from a financial advisor. Look for fee-only professionals that charge by the hour or the service so you’re not locked into an expensive relationship. Talk to a Medicare broker to learn more about HSAs and Medicare options so you’re equipped to make good decisions.

Money and Finance Editor Mon, 16 Sep 2019 10:18:02 -0400
Executive Protection Officers Are More Than Bodyguards

Companies across the world spend millions of dollars in the protection and security of CEOs and top executives. They understand why it is so important to keep the prying eyes of the members of the public from accessing the inside of the company and executives.

Are you considering to hire executive protection for yourself or your company? It is good to understand that these officers do more than just guard you against physical attacks and disasters.

Protection against physical aggression

The world is full of danger. From stage-managed road accidents to vandals, and malicious attacks, CEOs and high-net individuals require and deserve protection. Families and close associates of these executives also need to work, live and play around secured environments.

While physical threats are common at home and at the workplace, the most sensitive ones come when traveling. Executive protection and security officers have to work with organizers of events to thwart and neutralize potential risks. This is perhaps the basic role of close protection.

Executive protection handles medical emergencies

Every person can fall ill at any time. When executives and their spouses or family fall ill, this can spell disaster for the companies that they lead. For example, it is not uncommon for a publicly-traded company having its share prices tumble just because the CEO tripped and fell on the staircase.

In journalism, they say that bad news is good news. When the wife to the CEO of a top company is admitted to the hospital, this provides fuel to news, gossip and propaganda. Fortunately, executive protection can keep such news and events private and shielded from malicious intent.

Executive protection guards you against bad publicity

In most cases where organizations are in the news, it is because of a negative reason. Examples of these reasons are employee complaints, environmental issues, gender balance and lack of proper inclusion of locals in the affairs of the company.

Close executive protection prevents journalists and paparazzi from photographing, filming or otherwise publicizing the dealings of the business. This does not mean that corporates should engage in malpractices behind closed doors. In fact, every individual has a right to privacy, and executive security ensures that the right is preserved.

The competitors of an organization may become increasingly jealous of its success. For this reason, they may target the company with smear campaigns and malicious accusations to lower the good reputation in the eyes of the public. Close executive protection should counter this.

Protecting the privacy of executives

Technology is advancing at a high rate. Hacking has not been left behind as far as the development of malicious software is concerned. Close protection services can encrypt all computers, phones, and digital tools. This means that anyone who wants to uncover private company data or do identity theft does not succeed.

When closely guarded secrets and crucial data is leaked to the public, competitors can use this to bring the company down. With the services of executive protection units, such information is kept private. Experienced and well-trained members of close executive protection are conditioned to keep indemnify companies when they stumble upon such sensitive data.


Having understood the importance of close protection agencies for your company, agency or business, you can now decide whether or not to hire their services. It can come in handy to place your company operations in line with its objectives.

You could talk to executives who have hired these services in the past. These should refer you to credible providers of executive protection. You should hire these services from companies that can deliver their promise day and night. The sense of security then drives your business to thrive.

Business and Law Editor Thu, 05 Sep 2019 08:41:00 -0400
How To Get The Best Deal Possible For Commercial Truck Insurance

A commercial truck driver has far more obligations and they work under more strict rules and laws compared to a normal driver. They are mostly transporting freight, which to a certain degree can be a liability and there are also other duties that force them to be more keen drivers. Causing an accident without having any essential insurance is every truck business owner or driver’s nightmare. Such a situation can impact negatively their career as well as cause harm to those involved and the public.

Commercial truck insurance is essential for a number of reasons. First of all, it is required by law. Insurance also protects both the owners and drivers in case of loss of cargo, liability in an accident and even in situations like when an overhaul repair is needed. So how can trucking companies ensure they get the best deal possible for their commercial truck insurance?

1.      Ask for referrals

One of the best ways to get what you are looking for is to ask around. You can start by going to the most successful people you know in the trucking business. There might be some good reasons for their success and one of them could be having the best commercial trucking insurance agent in the business. Most successful people are often eager to help so asking them for referrals shouldn’t be difficult.

You can also ask your truck dealer, or motor carrier or dig a little deeper and do some internet research. The internet is full of all sorts of interesting and sometimes inaccurate information but if you can spare some time to separate the wheat from the chaff you might just get exactly what you are looking for.

2.      Experience

It is often a good idea to go for a company that has more experience in trucking insurance. Therefore, when asking around and doing your research, make experience one of your top searches too. Insurance agents with significant experiences are very useful and also most times they offer lower prices compared to others. However, always take extreme caution in those who offer lower prices since lower prices don’t always mean better services.

3.      Insurance quotes

Looking at the insurance quotes in the market is very important. This can easily be done over the internet by visiting the websites of the various insurance companies that offer commercial insurance for trucks. You can also fill out forms of potential insurers and most of them, if not all, are bound to send a quote and you can choose from there. This way you can be able to identify the companies with the best quotes you can work with.

Once you have all the quotes you need, you can conduct a thorough review of every one of them. Again do not settle for an insurer just because their rates are low. Usually, the best one to choose is the one offering the best coverage you need for money paid. Those who offer cheaper quotes than others always have a reason for doing so so find out why and make a decision whether you still want to work with them.

4.      What it covers

For instance, if your trucking business is being insured for the first time, including riders in the cover is important. Usually, such an option can be offered at a charge that is higher than the normal cover. Also, paying the insurance on an annual basis is usually way cheaper. This is because some insurance companies offer discounts for payments made in bulk. Therefore, while doing your research; also consider such a truck insurance company that has such an offer.

The bottom line is investing a little time now in comparing the commercial truck insurers in the market can save you hours and money later.

Money and Finance Editor Thu, 05 Sep 2019 08:36:54 -0400
Bitcoin Loophole - Yet another Crypto Scam to Avoid Bitcoin loophole is an automated trading software that promises to buy and sell Bitcoins, the Cryptocurrency circulating worldwide, at the appropriate time so as to give a win-rate of around 88%. Visit the Bitcoin loophole site now, a site that promises large benefits to its users when a minimum investment of $250 is made. Within a few hours, this $250 dollars can be made into approximately $380 easily with the help of this software. To know more about the software, let's first discuss what Bitcoin is!

"Cryptocurrency? What's that ?" What is it's history? 

It is used to be the general reaction of people whenever the word Cryptocurrency was used. But January 2009 brought a huge change in the way money circulated around the world. About 10 years ago, on January 3, 2009,  the first releases of Cryptocurrency named Bitcoins were released. This was a regulons as the conventional method required a person to trust the central banks and many people do not bank upon trust. Bitcoin has an advantage wherein people need not have to trust the central bank. This actually ends the so-called Monopoly of the central banks. This lead to Bitcoin becoming the best investment in the year 2013 by Forbes. At present, a Bitcoin has a value equal to around ₹7,00,00. This clearly explains the reason why Bitcoin is the next big thing!

Risks and Easiness of using Bitcoins

All of this said, trading of Bitcoins carries many risks and it's not possible for a human being to have an eye always so as to decide the appropriate moment for buying or selling Bitcoins. This is where the online tool Bitcoin loophole comes in to play. This crypto not, which has thousands of users over the globe, brings its users the option of auto-pilot Cryptocurrency trading wherein Bitcoins are automatically bought when their prices fall and sold when they rise. The software uses advanced technology to make predictions for the market and therefore is 0.1 seconds ahead of the market. It makes thousands of trades per minute, most of them being profitable thereby resulting in large benefits in a very short span of time. All that's needed is $250 as an initial investment. However the more you invest, the large er profits! So go on, Visit the Bitcoin loophole site now and earn maximum profits.

Money and Finance Editor Fri, 28 Jun 2019 04:36:53 -0400
How To Change Your Legal Name Without An Attorney

Applying to change your legal name is a fairly straightforward process with the procedures and rules set down by local courts and state law. And, although it’s straightforward, it’s not simple or free. In all states, you will be required to provide identification and establish that you are a legal resident. And, there are forms to fill out and a process to attend to.

You are, however, not allowed to change your name to avoid criminal responsibility or engage in fraudulent activities. In most instances, it is possible to carry out a name change without using an attorney, although a low cost name change service might be worth it. Here are the steps to follow to change your legal name without an attorney.

Verify Residency Requirements

The first step is to verify the residency requirements in your state. Under the law, you are allowed to use your local court to change your legal name, as long as you are a resident in that court’s jurisdiction. Different counties have different residency requirements.

You can check this requirement by contacting your local county court, where you can also file the paperwork needed. Visit the court’s information desk or ask for the civil filing clerk’s office. You can usually find this information online at the court’s website.

Gather Supporting Evidence

Gather up your birth certificate, Social Security card, and driver’s license or any valid photo ID. All these are useful to providing proof of your current legal name. While not all the documents listed above are required in all states or counties, it is always advisable to have them at hand when going through the process in case the judge, magistrate, or court clerk asks to see them. You’ll want to clean up any variations of your name during this name change process.


The next step is to complete a Petition for Change of Name. it is a set of forms that gets filed with the court clerk and includes all information required by state law and your court. You can find a blank set of forms online from the county or state government website or the numerous other websites that provide legal forms for a fee. There are inexpensive services that can fill them out correctly for you too. Ensure that you have the right forms for your state, county and court. You can either fill them out online and print it or download it and print it out.

You will be required to provide both your current and proposed names, your residence address, and the reason or reasons why you wish to change your name. You may also be required to sign declaration that you currently aren’t currently under the jurisdiction of law enforcement and aren’t required to register as a sex offender. There will likely be a lot of other information, and possibly some documents that your court will also required with your completed petition for filing.


Take your petition and the supporting documents to the court clerk and hand it over together with a filing fee to file your paperwork. Each court usually sets its own fees, but you can expect the petition to run between $100 and $600, unless you apply for a Fee Waiver.

The court clerk will date-stamp your petition and enter it into the public records before returning a copy to you. You may also be required to fill out a proposed order to be signed by the magistrate or judge. The clerk will then schedule you for a hearing docket, which may allow you to attend a hearing on the same day.

Public and Other Notices

You will likely be required to publish notice of your proposed name change in a certain manner. Ask the court clerk for written details of the process as this can be a little tricky. Most times, your judge won’t grant your name change until you show proof that you published the required notification for the general public. Some states also have rules about notifying spouses (former or current) and even children, about a name change before it can be granted.

If one parent is petitioning to change a child’s name, there are likely to be specific requirements about gaining the other parent’s consent or proving Notification in a specific way. There may be other rules about a child’s name change that apply, to read up about this before you go to see the judge for decision.


You will then be required to attend the hearing depending on your court’s rules, that will be presided over by a judicial officer. The judge may ask questions about any part of your petition or confidential background report, and may consider objections to the change if any were made.

When the hearing is over, upon approval, the judge will sign the order and you can be provided with a copy. You can also obtain certified copies of the order at the clerks office. A Certified Copy of the judially approved court order will be required to change the most important government and financial ID and Official Records

Notifying Others About the Name Change

Make sure that you change your name on all essential ID and Official Records. It may or may not make sense to change personal documents including titles, deeds, accounts, trusts, wills, and powers of attorney. Changing your name on estate planning documents may make it easier for your heirs in the future. Your heirs can obviously not be disinherited due to a discrepancy in your name, but they may be required to go through more steps to show your previous name and true identity before they are awarded their share. If you keep a Certified Copy of your judge-signed name change court order with your important papers, it can be of help.

Besides family and friends, consider notifying all the entities you deal with, in time, according to their priority in your life.Some of these are essential and others can be done when it’s convenient: Department of Motor Vehicles, schools, employers, debtors and creditors, insurance agencies, state taxing authority, utility and telephone companies, Registrar of Voters, Department of Records or Vital Statistics, Social Security Administration, passport office, veterans administration, public assistance, banks and other financial institutions.

If any of the entities above are not very cooperative when you inform them about the legal name change, tell them that it is well within your rights to do so and offer a copy of the court order. If necessary, you can try talking to the supervisor. Social Security, DMV, Passport, and Birth Certificate agencies are required to make those changes ONLY when you provide a certified copy of your valid court order, their completed application and possibly a small processing fee.

Keep in mind that many creditors and financial institutions will be reluctant for the fear of fraud and identity theft. Be patient and keep enforcing the use of the new name. It will eventually catch on everywhere, permanently.

Use Your New Name

The final step in changing your legal name is to start using it. You can do this by telling your friends and family members to refer to you by the new name, fill out applications and forms under the new name, and introducing yourself using the new name.  The older the friend, the harder it may be for them to use your new name all the time.

Final Thoughts

Every step outlined above is presented in more detail for California residents at the EZ Name Change website. It is clear that changing your name legally, whether due to divorce, marriage, personal choice or any other reason, it is always a big life event. The laws differ from state to state and it is important to ensure that you do it right, including filing the legal name change petition with the relevant government entity.  You want this to be effective everywhere.

You have learned how to change your name without an attorney. If you wish to change your name, all you have to do is follow the steps outlined above. However, if you find it all too challenging for you, find an experienced name change specialist (non-attorney) to walk you through the process, unless your state won’t let non-attorneys help you with the paperwork and the proces.

Business and Law Editor Mon, 24 Jun 2019 12:10:37 -0400
4 BEST WAYS TO MAKE PROFITS FROM BITCOIN!! Bitcoin is currently the king of the crypto market due to its user-friendly service, secured mode of online transactions and insane returns. The Blockchain operated currency helps you to make anonymous transactions without sharing any personal details. The highly volatile market of Bitcoin has helped many investors to have 10times and have literally made them rich overnight.

So, if you are interested in the same and wondering how to make profits from Bitcoin, follow these 4 tips.

  1. Bitcoin Trading

Bitcoin trading is the best way to make insane profits but has trading risks. Go for the trusted Bitcoin trading platforms like Bitcoin Profit, Binance, Bittrex, Coinbase, Bibox, etc. You need to create accounts with digital wallets and deposit your investment amount. The brokers in the platforms will charge the brokerage fee from you and help you conduct your trades. You make profits when there is a rise in the price of the Bitcoin and loss when there is a fall. The Bitcoin price rates keep on fluctuating so it is advisable that you trade with smaller proportions of the investment amount to accumulate the profits.

  1. Bitcoin Blogging

If you love writing teach articles and Blogs, you can start a Bitcoin website. From covering Bitcoin’s monthly performance to security, market trends, trading strategies, latest updates, you can fill up your website with plenty of interesting topics. You can include referral links in the articles for Bitcoin websites, trading exchanges or even do affiliate marketing for Bitcoin to promote its services in your websites and social media platforms. The website makes profits from the increased reader base with the affiliated commissions.

  1. PTC Website

PTC or Pay to Click websites offer you an easy way to grab Bitcoins for free. The PTC websites pay you in Bitcoins for having the patience to watch full advertisements that can be 5, 10, and 20 seconds long. Some of the renowned PTC websites are- BTC 4 ads, Coin Adder, Coin Bulb, BTC Clicks, world of Bitcoin and so on. The BTC 4 adds websites pay you 100 satoshis/Bitcoins per click while Coin adder pays you around 25 satoshis/Bitcoin. You can easily have free Bitcoins from these websites in your digital wallet and then trade them to make bigger profits.

  1. Bitcoin Mining

This is the process of producing Bitcoins that is computer software oriented and requires a special kind of software and runs a complex set of algorithms to mine the coins. So, if you have extensive knowledge in Blockchain, you can try Bitcoin Cloud mining. It requires you to sign a contract and mine the coins without any expensive hardware or software assembling. If you are able to mine the coins successfully, you will receive your monthly earnings based on your chosen plan and the amount of electricity you have consumed in mining the coins.

Money and Finance Editor Tue, 18 Jun 2019 08:48:48 -0400
Making Your Dollars Work For You in The Forex Market

Forex refers to the FOReign EXchange market. This is the marketplace where currencies can be traded. This market is more important than you realize, because it permits international business and trade. It is also important to travelers who visit foreign countries because many countries do not accept all currencies.

The Forex market is the largest and most liquid financial market in the world, far larger than the stock markets. The average value of the currencies traded each day is almost 5 trillion U.S. Dollars (USD).

It is interesting to note that there is no primary marketplace for Forex trading. Everything is accomplished over-the-counter (OTC), so all the transactions are over computer networks between various traders. The Forex market is open 24 hours/5.5 days a week.

Three Types of Markets Within Forex

All transactions in Forex occur in one of 3 markets: the spot market, the futures market, and the forwards market.

The spot market is the largest and most active market and the other 2 markets are dependent on it. The futures and forwards markets are used primarily to hedge risk.

These are the 3 types of markets and some information about each one:

  1. The spot market is what most individual investors are referring to when they discuss Forex trading. Currencies are bought and sold at the current market price in the spot market. The price of currency, like the price of a stock, is determined by many factors. These include supply and demand, interest rates, political situations, and investor perception.
  • A completed deal is referred to as a spot deal. It is simply a trade of one currency for another. The amount of the trade is specified in the terms of the deal and occurs at an agreed-upon exchange rate. The settlement is in cash. These trades typically require two days for the settlement to occur.
  1. The futures market does not deal with the trading of actual currencies. Standardized futures contracts are bought and sold on commodities markets. It is regulated by the National Futures Association which spells out all the rules and regulations.

  2. The forwards market is similar to the futures market. Although these two markets are similar, in the forwards market the contracts are bought and sold OTC, and the details of the contract are entirely under the discretion of the traders. The forwards market is not as structured as the futures market.

Quotes and Jargon

Currency quotes are always confusing to the beginning investor.

Consider this important information to make currency quotes less confusing:

  1. Currency quotes are always in relation to another currency. If you were interested in the exchange rate between the U.S. dollar and the British pound, the quote is going to look something like this: USD/GBP = 0.6442
  • This is a currency pair. In this case, the U.S. dollar is the base currency and the British pound is the quote currency or counter currency. In our example, 1 dollar is equivalent to 0.6442 pounds. So this means 1 U.S dollar could purchase 0.6442 British pounds.
  1. Currency pairs can be quoted directly or indirectly. In a direct quote, the domestic currency is the base currency. In an indirect quote, the domestic currency is the quoted currency. The U.S. dollar is the most common base currency.

  2. A quote can also be referred to as a currency quote. This occurs when neither currency is the U.S dollar. The volume on trades that do not involve the U.S. dollar is quite small, but that does not mean these other currencies are insignificant.

  3. As with many other forms of financial trading, there is a bid and ask price. The bid price is the current price at which a currency could be sold, and the ask price is the price at which the currency can be bought. For example:

USD/GBP = 0.6442 / 40

Bid = 0.6442

Ask = 0.6440

  • The bid price is before the slash and the ask price is after the slash. The bid price is always lower than the ask price. In the above example, you could buy 1 U.S dollar with 0.6642 British pounds, but could only sell a U.S. dollar for 0.6640 British pounds. You are either buying or selling the base currency.
  1. The difference between the ask price and the bid price is referred to as the In the above example, the spread would be 0.0002. This is also referred to as 2 pips or 2 points. In most cases, a pip will be 0.0001. Most currencies fluctuate by about 125 pips per day.

Risks and Benefits

There are several risks and benefits in the Forex market. Understanding both is critical to having success in this financial arena.

The risks and benefits of the Forex market are as follows:

  1. There is a lot of leverage and corresponding risk. The leverage is essentially 100 to 1. With $10,000 USD, an investor can control $1 million investment. A Forex broker will loan the difference. With a winning trade, the investor can make a lot of money. Of course, the investor’s money is at risk if the trade goes the other way.
  • The Forex market does not have a lot of volatility vs. the equities markets, but the leverage creates a similar situation. If you use 100:1 leverage and the currency price drops 1%, you’ve lost all of your investment. In the stock market, you would only lose 1% (assuming you did not use leverage).
  • In the stock market, margin accounts are limited to 50%, meaning you would need to have $50,000 in your account to control $100,000 worth of stock.
  1. The market is very liquid. Nothing is more liquid than cash. The market is also open 24 hours a day. Traders can easily work around a job or other commitments. The major hubs of trading activity are spread all over the globe in a variety of time zones. There is always a market open somewhere during the work week.

  2. The trading fees are low. The only trading fees are the spread. In the equities markets, you are charged the spread and a transaction or commission fee.

Tips of the Trade

Has your appetite been whetted for Forex trading? If so, then there are a few other things you should know.

Before forging ahead, keep the following tips in mind:

  1. Learn a system of trading to a high level of expertise. There are numerous systems that can be followed when trading currencies. Become an expert at one system rather than becoming vaguely familiar with several.

  2. Leave your emotions out of the equation. It can take a lot of self-control and practice to leave emotion out of your trading activities. If you’re in a position where you simply have to make money, your odds of success are very small. Patience is critical when looking for the right opportunity, but it is a rare commodity when one is desperate.
  3. There are many websites where you can practice your Forex skills with imaginary money. Practice before putting your real money at risk.

  4. Trade the signals. Beginning traders tend to be quite successful, because they only make trades when strong signals are present. However, with a little success, the beginning trader can become a little over-confident and make trades when the signals are a little murkier. For example, many traders use the COT report to help their trading decisions. Websites such as Tradingster offer COT charts for free. 

  5. Maintain discipline. Every trader must have his own rules and be able to control their own money. Never break them. For example, have a stop-loss limit. When it is triggered, dump your position without hesitating. You will find that you’ll tend to lose money when you break your rules.

  6. A lack of confidence is better than over- If you lack confidence, you’ll do nothing and lose nothing. If you’re over confident, you’ll probably lose money.

  7. Keep things simple. Simple systems have been shown to be more successful over long periods of time. Avoid over complicating things.

Forex is a fascinating market. There are many advantages to trading in the financial markets and it is quite easy for the beginning investor to get started. Trading in currencies is convenient from a leverage, time, and liquidity standpoint. The market is available 24 hours a day and open most of the week.

Open a practice account and give Forex trading a shot. The gains can be significant, and the fundamental ideas behind currency rates are quite simple in theory. It might be a great way to supplement your income.

Money and Finance Editor Mon, 10 Jun 2019 23:37:19 -0400
What You Need to Know About Getting a Home Loan

In spite of what you might think, banks are desperate to make loans right now. But that doesn't mean that lending standards aren't tight; it’s still going to take a lot of paperwork to make the lenders happy.

Rates are the lowest they've been since the 1950s, so while it might be a bit of a hassle to jump through all the hoops, the time has never been better for that jumping. With rates well under 5% for 30-year fixed-rate loans, now is the time to act.

Fannie Mae, Freddie Mac and the FHA are still the major players in the mortgage business. Although different lenders have different requirements, the following details are generally what they’re looking for in today’s economic climate.

 Meet these requirements and you should be able to find the loan you’re seeking:

  1. Credit score. If you're buying your primary home or refinancing your primary home, a minimum credit score of 620 is required if you have at least 25% equity in the property. If you have less than 25% equity, the required credit score is 660. These values are for Fannie Mae and Freddie Mac.
  • For FHA loans, the minimum credit score is 580 with a down payment of 3.5%. The actual lenders may impose higher credit requirements than this, however.
  1. Down payment. A down payment of 5 to 10% is required on a conforming loan for your primary residence. A conforming loan is currently set at anything less than $417,000. Down payments on jumbo loans (> $417,000) are between 10 and 15%.
  • Having a down payment of 20% will allow you to avoid PMI (private mortgage insurance); this can save 0.5% - 1.5% per year.
  1. Lenders like to be sure that your income can support all of your debt. The primary way they do this is to look at your debt to income ratio. They’ll look at the total housing expenses, including mortgage payment, taxes, home insurance, private mortgage insurance, and any association fees.
  • This total is divided by your monthly gross (pre-tax) income. The general rule is to be at less than 28%. When all other debt is included, the total should be less than 36%. In rare instances, lenders may allow up to 45%.
  • This is a very easy calculation you can do at home before you ever apply for a loan. Do what you can to minimize your debt before you apply for a mortgage.
  1. Lenders will want to see, at a minimum, your last two paycheck stubs and W-2 forms for the last two years. They will also want to see account statements for any bank, retirement, and investment accounts.
  • If more than 25% of your pay is in the form of commissions or bonuses or you’re self-employed, they will want to see 2 years of tax returns. Your income will be averaged over those 2 years for any calculations.
  • If you want to purchase a house but keep your current residence and rent it out, you'll need to provide a signed 12-month lease, and only 75% of that income can be claimed when applying for the new mortgage. You also must have at least 30% equity in your current home.

Getting a mortgage isn't especially easy right now, but banks really do want to loan money. That's largely how they make money after all. If you conform to all the items above and have a good understanding about personal finance, you won't have any problems qualifying for a loan.

Even if you don't meet all the requirements, you might be surprised what they can do for you. It never hurts to ask – or to shop around for a good mortgage loan broker. Many people are surprised when they qualify for a mortgage; maybe that can be you, too!

Money and Finance Editor Mon, 10 Jun 2019 05:28:31 -0400
Future Use of Blockchain Will Shape the World

Cryptocurrencies like Bitcoin and Ethereum have become every hot topics, as they have accumulated hundreds of millions of of dollars in value in just a few years. Under these popular cryptocurrencies, blockchain technology combines cryptography with decentralized record-keeping, creating the first concept of digital property, enabling people to create unique, specific assets online. Creating a digital asset supported by blockchain technology is unique because it cannot be replicated or moved, which will change the way the Internet works.

Here are some ways the blockchain changes everything.

Movies, Music and Books

Since Napster's heyday, entertainment companies have struggled to tackle piracy that undermines their business models. Before the advent of the Internet, entertainment companies could sell movies or records and know they had sold a copy to a person. Then there is the Internet, where a copy of a song can travel around the world before the first chorus is sung. Blockchain may help end this.

The same public ledger method prevents others from using your digital currency, or prevents them from playing or copying your favorite songs.

Contract Execution

Ethereum is another popular cryptocurrency, based on the automatic execution of the contract, allowing the parties to reach an agreement, and after the implementation of the agreement, the contract automatically transfers its crypto tokens from one party to the other.

Simply put, automatic execution of a contract eliminates the need for an agreement between the parties, as it will only alert your bank when it is performed, and everyone will be able to meet their expectations.

Identity Theft

In 2017, 16.7 million people became victims of identity theft. The problem is that the Internet has enabled and enhanced the substitution of personal information, and the centralization of information has exacerbated this credibility. If someone wants to steal your identity, they can target big companies such as credit card companies, retailers and tax records. Blockchain technology can help solve this problem. The dispersion of blockchain allows documents to be stored on multiple servers, not just one server. Instead of asking for information that can be replicated, a computer requires a social security number and instead requires access to digital identity records.

This will make it impossible for anyone without a key to access sensitive data. Although the technology still needs to be developed further before it is applied to open music files, the basics remain. The ability to introduce unique assets that no one can replicate will change the way we interact with the Internet at the basic level.


Blockchain is a brand-new technology and its usage is beyond cryptocurrency. In this article we have listed some future uses of blockchain technology. We believe this is only a small portion of the use cases for the blockchain technology. People interested in cryptocurrency and blockchain technology can keep an eye on the fast development and news related to cryptocurrency and blockchain to learn more about this new field. 

On this other hand, one should realize that blockchain is still at its early stage. Let's hope it can develop at a fast speed and make our lives better!

Computers and Technology Editor Sun, 02 Jun 2019 23:52:07 -0400
Helpful Tips for Traveling to China

China is a great country and a very popular destination for international travelers. However, for first time travelers, traveling to China can be intimidating. Below are some helpful tips for preparing your trips to China.

Getting a Chinese Visa:

To apply for a Chinese visa in the United States, you must submit the following materials to the Chinese Embassy or Consulate:

  • Passport: Original passport with a validity of 6 months or more and at least 1 leaf blank visa page.
  • One copy of the completed Chinese visa application form.
  • Applicants born in China must provide a Chinese passport; applicants born in China who have obtained a Chinese visa must provide the original foreign passport and the Chinese visa they have obtained when applying for a visa with a new foreign passport.
  • Materials to be submitted for a six-month or one-year, multiple-entry travel, visit-in-law visa ("L" visa): invitation letters or kinship documents from relatives within China; or proof of ownership of real estate in China , or a domestic sale agreement or rental agreement in China; applicants who adopt Chinese children must provide a copy of the adoption document or the original Chinese passport that adopts the child.
  • Foreign Chinese born in China and who have been to China more than twice in the last 12 months are required to provide a copy of the visa, or submit an official invitation letter issued by the relevant unit in China, or an application for explanation of the reasons for frequent visits to China. file.

Best Times to Visit China:

China has a vast territory and varies greatly from place to place, so the best time to go to China depends on the area you choose and the weather you like.

In winter, most parts of China are cold, especially in northern China. Spring or summer, it is hot all over the country. It is recommended to prepare casual, comfortable clothing. Raincoats are a must for the rainy season from May to August. For more details, please refer to the list below. It is worth noting that China is large in size, and even in a certain season, temperatures will change in different regions (for example, the temperature in the south is usually higher than in the north).

Do I Need to Learn Chinese?

China is a big country with many dialects. Mandarin is the official language and the most widely spoken language. Another language widely used in southern China and Hong Kong is Cantonese (Cantonese). If you are visiting China for the first time, especially in a big city in China, you will find that many people speak English. And many of them are willing to communicate with foreigners. The Chinese are open and friendly and are happy to help foreigners. Therefore, learning Chinese is not necessary. However, learning some everyday language is a good choice.

How to Use the Internet in China?

Before visiting China, you should be aware that in China many websites, such as Twitter, Facebook, Google, Youtube etc. are blocked in this country. If you want to access these sites, you might need to use software to bypass internet blocking. One popular tools for visiting blocked websites in China is VPN. Before your trip, you can subscribe to some VPNs services that are known for working well in China. While in China, you can turn on your VPN before using the Internet in order to bypass blocking


Visiting China is exciting. However, before the trip, you should be prepared. We have included some great tips for first time travelers to China. Hopefully these tips can help you to make your trip to China wonderful!

Travel Editor Mon, 13 May 2019 03:18:37 -0400
The Benefits of a Daily Nap

Napping gets a bad rap. Many people think that napping is for lazy, old, or mentally weak individuals. However, napping is common among mammals. Look at how much time your dog or cat spend napping. It’s impressive. It only makes sense that we could all benefit from a regular nap.

Why aren’t you taking advantage of naps? You might be making a big mistake.

See how napping can bring you many physical and psychological benefits:

  1. Less fatigue. Studies have shown that napping is a poor substitute for a good night of sleep when it comes to physical restoration. For example, you won’t recover better from an intense workout by taking naps. However, you will feel less tired and refreshed if you take a nap. You might even have a better skin!

  2. Greater alertness. Alertness is significantly improved with naps. You know that dreaded feeling of physical and mental fatigue that hit you in the afternoon? A nap is perfect for overcoming that. You’ll feel like a new person.

  3. Greater focus. With alertness comes greater focus. You’ll daydream less and find it easier to control your attention. If you’re struggling later in the day to keep your mind on task, a nap might be the answer.

  4. Enhanced mood. Naps have been shown to increase contentedness. Who doesn’t feel a little better after a good nap?

  5. Greater performance. If you’re less tired, more alert, more focused, and are in a better mood, you’re going to perform at a higher level. Naps are magical.

  6. Enhanced learning and memory. Certain types of learning and memory are greatly enhanced by napping. If you’re taking a night class, a nap beforehand is a good idea. College students should consider napping during the day, too. If your memory is less than ideal, try a nap and see if it helps.

  7. More productive hours. A nap seems to reset your brain. It’s like you have a whole new day ahead of you. An afternoon nap can give you several more hours of productivity. Consider how little you probably get done later in the day now. That time might best be used for napping.

  8. Boost immune system. Countless studies have shown a positive effect of naps on immune function. Naps can help to keep you healthy. Naps are especially helpful during flu season. A nap a day might keep the doctor away better than an apple a day.

  9. Improved physical stamina. Physical stamina is strengthened with naps. This has been demonstrated in athletes, soldiers, and regular people. Do you feel weak and ineffectual? A nap might be in order.

A few final tips to keep in mind:

  • Determine the proper amount of time to nap. This varies with the person. Naps from 30-60 minutes work best for most people, but each person is a little different. Experiment and see what works best for you.

  • Use an alarm. If you’re worried about oversleeping, you’ll be less likely to fall asleep and sleep soundly.

  • Be consistent. You might feel a little groggy the first few times you try napping. Stick with it. Try to be consistent with your napping schedule, and your body will adapt.

Napping costs nothing, feels good, and benefits your mind and body in so many ways. You’ll accomplish more and smile more and even have a better appearance while doing it. Avoid believing the naysayers and test it out for yourself. Napping is a great tool for increasing productivity and performance.

Health and Fitness Editor Mon, 01 Apr 2019 08:47:38 -0400
3 Tips To Easily Get into Ketosis You have probably heard of the keto diet, but you may be wondering how exactly you get into ketosis - the state where your body burns fat instead of carbohydrates for fuel. Well, in this article I want to cover 3 tips to help get you into ketosis and burning fat.

Limit Alcohol Intake

First up, this is one that people often overlook. You need to be careful with alcohol on keto.  The problem is that while some alcoholic drinks are keto-safe (they are low carb and low sugar), the effect that alcohol has on your metabolism will get in the way of you achieving ketosis. Your body treats alcohol as a toxin, so works hard to metabolize all the alcohol in your system before moving on to metabolizing fats. This can make it hard for you to achieve ketosis if you are drinking alcohol regularly. 

Be Wary Of Pre-prepared Meals

In our busy day to day lives, it can be tough to find the time to cook. This means that sometimes you’ll want to buy a ready-made meal - especially for lunch when you are working. However, these pre-prepared meals can play havoc with your attempts to get into ketosis.

The problem is that packaged meals are often packed full of added sugar, salt, and unhealthy fats. So, take the time to read the nutritional and ingredient labels of everything you buy. Or, even better, put aside the time to prepare your own meals, as that way you have complete control over what goes into them. Making a big, keto-friendly salad at the weekend, that you can use each day for lunch is a great way to avoid the cafeteria altogether at lunchtime.

Get Your Snack Game Right

Another common slip up from people trying to get into ketosis is that they prepare great, keto-friendly meals for breakfast, lunch, and dinner, but then slip up with a sugary or carb-heavy snack during the day. While your body can take the occasional cookie once you are in ketosis, if you are in the process of trying to achieve ketosis this kind of snack is going to set you back.

However, this is not to say that you can’t snack on a keto diet - of course you can! You just need to find keto-friendly ways to do so. Nuts and seeds are a great choice, packed full of protein and other great nutrients. For a heartier snack, keto friendly meat jerkies are a great way of getting a huge protein hit.

Alternatively, you can prepare your own keto friendly snacks in advance, although obviously, this takes a little more planning ahead. Increasingly, you can also buy keto friendly snacks in grocery stores and online. However, the same warning goes as with the pre-prepared meals, make sure you read the label carefully to avoid hidden sugars and carbs.


Getting into ketosis at first can be a little tricky, hopefully, these three tips help you avoid some of the common pitfalls that stand between you and burning fat for energy.

Health and Fitness Editor Mon, 18 Feb 2019 08:18:10 -0500
Finding The Perfect Office You are at the point where your company is ready to move on. And by move one, we mean move to a bigger and better office space. Finding a space which meets your needs but is also in your budget can be incredibly stressful, but with the right tips, it doesn’t have to be. Before looking and buying a new office, make sure you think hard about these 5 tips to ensure you get the perfect place.

  1. Know how much space you will need

This may seem obvious, but it is often overlooked. Making sure you have enough room for all your employees and furniture is important. After all, ensuring that your staff are 100% comfortable should be your main priority – a comfortable workspace leads to higher productivity levels. More importantly, you may want additional space for you and your staff to relax i.e. free from distractions. If that’s the case, you need to think about this as well when looking at potential places.

  1. Consider co-working spaces

If you are ready to move out, but you’re still on a tight budget, why not consider using a co-working space. These are relatively low budget and can be fairly flexible if that’s what you are looking for. Better yet, it gives you and your staff the chance to meet and be around other like-minded businesses!

  1. Think of your staff

Always, always, always be conscious of your staff. Find out where they are travelling from and how long it would take them. Keeping the office relatively close and accessible to everyone can be really helpful and appreciating. Obviously, this is a lot harder if you have a big company, but if that’s the case, maybe look around places which are close to your current office.

  1. Always arrange viewings

As the saying goes, you need to try before you buy. Make sure you have a look around lots of different spaces, take photos, show them to your staff, maybe even take a couple of your staff with you for second viewings so you can make a final decision. Looking for a new office is not something to take lightly; there are so many different things you need to think about so take your time and pay attention. If needed, you can even call them for any further questions.

  1. Pick the right location

Along with making sure it’s not too far away from all your employees and space isn’t too small or crowded, you also want to make sure it is in a good area. Having a big comfortable space is great and all, but it means nothing if the location doesn’t match. First, you need to ask yourself whether you are choosing an area for your staff or for your clients. For instance, maybe the area is full of other similar businesses and clients, or it’s a good location for meetings. Ideally, you want both, even somewhere you can go out for drinks with the team.

Once you have finally found your office space, the next step will be to furnish it which can take a huge hit on your budget. Furnishing your office is incredibly important, not only for your staff to feel productive, but also to show to your clients what your business is all about. If your budget is tight, think about using companies like Coggin Group. They provide recycled furniture pieces which are relatively affordable and are always in good condition whether you’re looking for a sofa, good chairs or storage. If that’s not enough for you, how about the fact that you’ll also be doing your bit for the environment – that’s always something to think about! 

Business and Law Editor Wed, 30 Jan 2019 03:53:54 -0500