Technology is a wonderful thing, and it can help us in many different aspects of our lives, even those we didn’t realize we needed any help with. That includes dating. We’re all such busy people that finding a partner in the traditional way – going out and meeting someone – isn’t always as easy as it once used to be, and online dating can help. It makes that first introduction and meeting easier and could lead to bigger and better things.
However, just like with any form of dating, it can have its downsides, and those downsides include the fact that you don’t actually know the person you’re planning to meet up with, and they might not have the best intentions. They might not even be who they say they are. With that in mind, here are some of the ways to help you stay safe when online dating.
Video Call First
There is no excuse you should listen to as to why someone can’t connect on a video call before you go to meet up with them. Everyone has access to a mobile device, such as a phone or tablet, and they will have video calling capabilities – an app like WhatsApp is free and it offers video calling, for example.
Make sure that you don’t just talk on the phone, but that you arrange a video chat and ideally, more than one, before you meet in real life. In this way, you can get to know the person better, and you can be sure that who you’re meeting is the person your profile matched with. You can even use the time you spend talking to decide what it is you want from this date – it might be a simple hookup, and if so, perhaps you’ll want to include toys from wetforher.com, or maybe it’s the start of something more long term.
Meet In A Public Place
You have probably heard this piece of advice before, but it bears repeating: always meet in a public place. Never go to their place or ask them to yours before you really feel comfortable doing that, and it’s highly unlikely that you will know whether you want to do this until you meet them in the flesh, and perhaps meet them a few times to get to know them better.
The more public the place is that you meet, the more comfortable you will feel, and the easier the date will be. If you’re tense and nervous, you won’t be able to be yourself or focus on your date, and something that could have worked out might not stand a chance.
Tell People What You’re Doing
Meeting in a public place is a good idea, but you must also let people know where you’re going, who you’re with, and when you intend to be home. Should something be amiss, they’ll be able to get you help a lot more quickly.
You don’t have to share all your date’s personal information with a friend or family member, but giving them their name, a photo of them, and telling them where and when you’re going to meet is a good idea. They can check in with you to ensure you’re having a good time, and it’s good backup to help you feel more comfortable.
Cannabis tinctures have been around for quite some time. Even before introducing other cannabis product formulations like weed edibles, vape oils, and topicals, marijuana goods were mainly available as tinctures and pre-rolls.
But while cannabis tinctures have been around for years, it’s interesting to note that many marijuana users still do not understand what these products constitute, their potential health benefits, and even side effects. If you’re actively seeking information on cannabis tinctures, you’ve come to the right place.
Below is a comprehensive guide to tinctures of cannabis.
What Are Cannabis Tinctures?
Cannabis tinctures are formulated with two main ingredients – a therapeutic cannabis-derived compound (also known as a cannabinoid) and alcohol. These products usually include a high-proof alcohol solution for steeping the marijuana plant extracts.
In addition to the two main ingredients, cannabis tinctures may include terpenes. Terpenes are compounds that give cannabinoids their unique tastes and flavors. Common terpenes in marijuana include myrcene, caryophyllene, linalool, and pinene.
Weed tinctures also typically contain additives. The additives mainly constitute artificial flavorings and preservatives.
The terms ‘cannabis tincture’ and ‘cannabis oil’ are normally used interchangeably. However, these phrases do not denote the same thing.
The primary difference between cannabis tincture and cannabis oil lies in the main ingredients in these products.
While both contain cannabis extracts, tinctures are usually formulated with a high-proof alcohol solution, whereas cannabis oils typically contain a carrier oil.
What Cannabinoids Do Cannabis Tinctures Contain?
We’ve already alluded to the fact that marijuana tinctures usually contain therapeutically beneficial compounds known as cannabinoids. But you could be wondering what these compounds are all about.
Now, there are more than 130 cannabinoids in marijuana. The most popular ones are cannabidiol (CBD) and tetrahydrocannabinol (THC). Other lesser-known cannabinoids include cannabichromene (CBC), cannabigerol (CBG), and cannabinol (CBN).
Cannabis tinctures get their distinctive names from the main cannabinoids in them. For instance, CBD tinctures and THC tinctures are formulated with cannabidiol and tetrahydrocannabinol, respectively. You can read more on THC tinctures here if you’re interested in how tetrahydrocannabinol tinctures interact with the human body.
What Are the Health Benefits of Cannabis Tinctures?
Since cannabis tinctures contain specific cannabinoids as their primary ingredient, the health benefits of these products are pretty much similar to those of cannabis as a whole.
Cannabis is widely touted as a potential remedy for numerous common ailments. Extracts from the plant are mainly prescribed for pain relief. Marijuana cannabinoids treat pain by desensitizing receptors involved in pain transmission.
Cannabis tinctures may also ease inflammation. The products fight inflammation by reducing the body’s sensitivity to inflammatory markers, such as protein cytokines and chemokines.
Other medical problems that you may treat or manage using cannabis tinctures include;
Nausea and appetite loss
Sleep disorders like insomnia and sleep apnea
Metabolic disorders like diabetes
Psychiatric problems like bipolar disorder
Neurological issues like epileptic seizures
Sexual performance issues like erectile dysfunction (ED)
How Do You Consume Cannabis Tinctures?
The best way to consume cannabis tinctures is to drip the liquid underneath your tongue. This consumption method is known as sublingual administration.
Consuming marijuana tinctures sublingually offers several health benefits. First, it comes with a faster onset time. That’s because the specific cannabinoids in the tinctures get to your bloodstream via the sublingual glands. For comparison, cannabis tinctures can take effect in as few as 10 minutes, while edibles may need up to three hours to kick in.
Weed tinctures are also reasonably easy to administer. All you need is a calibrated dropper to measure your dosages. Other cannabis formulations like vape oils may require more advanced paraphernalia and a bit of a learning curve.
Will Cannabis Tinctures Get You High?
A frequently asked question by many aspiring cannabis users is – will marijuana get me high? The answer to this question can be yes or no. It all depends on the active cannabinoids in a cannabis tincture. For instance, THC tinctures will get you high, while CBD tinctures won’t.
The best way to determine whether cannabis tinctures will get you high is to keep your eyes out for the following terms on the product label – ‘isolates,’ ‘broad-spectrum,’ and ‘full-spectrum.’
Cannabis isolates contain one cannabinoid as the only active ingredient. Most cannabinoids preceded with the prefix CB- are non-psychoactive, hence won’t get you high. Examples of such cannabinoids include CBD, CBG, CBN, and CBC. On the other hand, any cannabinoid preceded with the prefix TH- contains mind-altering properties. THC is a notable mention here.
The term ‘broad-spectrum’ is commonly applied for cannabis tinctures formulated with all non-psychoactive cannabinoids.
Lastly, full-spectrum cannabis tinctures usually include significant potencies of both psychoactive and non-psychoactive cannabinoids. Such compounds will surely get you high.
All cannabis products can trigger various adverse events if improperly administered, including dry mouth, nausea, drowsiness, and irritability.
Improper administration constitutes two things – using cannabis tinctures for the wrong purpose and consuming more of these products than your appropriate doses.
While marijuana may treat numerous ailments, it’s important to remember that the herb is not a magic pill for all diseases.
There’s a lot to know about cannabis tinctures. We hope this article provided you with all the information you need on marijuana tinctures before you go shopping for these products.
For people who have spent a long time wanting to explore nose reshaping procedures, new options can make it even more difficult to decide. However, it means that there is more likely to be a method to suit you. The main two options for nose reshaping are surgical and non-surgical rhinoplasty. These are the differences between the two and the pros and cons of each option, to help you decide which you prefer the sound of.
Surgical Rhinoplasty
This type of nose reshaping is an outpatient procedure where incisions are made in the nose to make changes to the bone, cartilage, and/or skin to achieve the desired look.
Pros: The results of the operation are permanent and rarely require a follow-up procedure. The increased self-confidence and health benefits are not limited, meaning these concerns are taken away forever. Surgical rhinoplasty can be life-changing for people who struggle with their appearance.
Cons: The procedure is expensive, averaging at $5,400 – $5,500 but can cost up to $20,000, which is not feasible for many people who seek nose reshaping. Surgical rhinoplasty is a massive commitment, with the operation taking up to 3 hours and the healing process 6 months – 1 year to see the final result. The time needed to be taken off work might not be possible for everyone. As with all operations, a surgical rhinoplasty presents risks which include:
Bleeding
Infections
Adverse reaction to anesthesia
Difficulty breathing through the nose
Numbness
Pain, discoloration, and/or swelling
Scarring
Uneven shape
A hole in the septum
It is important to schedule multiple consultations when searching for a surgeon to find someone who is credible, qualified, and experienced to reduce these risks as much as possible.
Non-Surgical Rhinoplasty
This type of nose reshaping is achieved with the use of dermal fillers to achieve semi-permanent results of a refined bridge and lifted tip.
Pros: Non-surgical rhinoplasty procedures are non-invasive and take as quick as 15 minutes and then healing is usually no longer than two weeks, making the procedure easy to fit into a busy schedule and creating results that only need to be topped up after 12 – 18 months. The cost varies between $600 – $1,500, which many people find more reasonable than saving for surgery. Medical professionals at cosmetic medicine and wellness clinics like riveraesthetics.com can complete the procedure, so there are no hospital stays needed. Non-surgical rhinoplasty nose reshaping is a great alternative for people with insecurities about the nose area, wanting to disguise a dorsal bump or lift a droopy tip for example, but unable to afford the commitment of surgical rhinoplasty. Unlike surgery, this procedure is reversible as the filler can be dissolved.
Cons: The semi-permanent results may not appeal to everyone who wants a permanent solution to the insecurities, so the maintenance needed can be an awkward commitment. Alongside this, the non-surgical rhinoplasty does still present risks due to the use of a needle into the skin and the anatomy of the area targeted. Common side effects like redness and swelling for 24 – 48 hours are to be expected but unforeseen complications can also lead to tissue death, vascular complications, and vision loss if an untrained practitioner overfills the area or accidentally disrupts the blood vessels. For this reason, the procedure must be performed by a credible, qualified, and experienced practitioner.
The two options of a surgical rhinoplasty or a non-surgical rhinoplasty are similar in the mission to achieve nose reshaping but differ in many ways. This means that there is a solution for everyone with nose insecurities. If you desire dramatic results that do not require maintenance and are not concerned about committing to the cost, surgery and long healing process, surgical rhinoplasty might be for you. Otherwise, you might want to consider a non-surgical rhinoplasty for a non-invasive alternative that requires less of a cost and time commitment, producing natural results that require minimal maintenance and are reversible. Do remember, that any cosmetic procedure should be approached with caution, and you should always thoroughly research surgeons and practitioners to find the most credible, qualified, and experienced to reduce health risks and complications.
When renting an apartment, you will have to get your hands on some valuable information before you apply for it. You should gather references and try to get a dishwasher if you’re looking for one with this feature. You also want to avoid scams and make sure that you can afford the rental. There are some tips you can use to help you get started:
Finding a rental that you can afford
There are many important things to consider before renting a rental. First and foremost, you need to have a decent down payment. You will also need to have a credit score of at least 640, and your debt-to-income ratio should be no higher than 45 percent. This ratio is calculated as monthly debt payments divided by gross monthly income. Once you’ve figured out whether you can meet these requirements, you can begin your search for a rental.
You should keep in mind that apartments for rent in the poshest parts of any city are often very expensive. However, there are ways to make it affordable. Consider moving to a less fashionable part of Manhattan or Brooklyn. These areas are still thriving and can have many listings for rent that fit within your budget. Plus, you may find that the local food is more affordable. Regardless of your income, these tips can help you find a rental that fits within your budget.
Getting references
If you are renting an apartment, a great way to make sure the new landlord is a good fit is to get references from previous landlords. You can get these references from your former landlord or even your family. A reference is a person who knows you and can attest to your character. This way, the landlord can determine if you will pay your rent on time. This is a very important part of the rental application process, so be sure to get several.
When you ask your current landlords for references, be sure to get them. Remember that their intentions are often skewed: they want you to leave, so they want to get rid of you as fast as possible. The other way around is to get personal or work references instead of letters of reference. These references will likely be more accurate, so make sure you ask them for those. It will save you time and money in the long run.
Avoiding rental scams
One of the most important things to keep an eye out for when renting an apartment is the rent. If it’s below market value, it’s most likely a rental scam. The rent can be lower than the market value, which can force the renter to move quickly. Legitimate landlords never ask tenants to wire money from abroad or use money transfer services. In some cases, a landlord may even impersonate a legitimate listing service and request money to an escrow account.
The landlord’s reputation is another red flag when renting an apartment. Do not sign any documents until you’ve seen the listing in person. Make sure the address, phone number, and email address are the same, and look for past victims. Don’t pay cash for a false apartment, even if it is located at a high price. Always check out the address and contact information of the landlord before you hand over any money.
Inspecting the apartment before moving in
Before you move in, inspect the apartment thoroughly. Pay special attention to any built-in storage systems and closets. Make sure that closet doors work properly, and look for signs of mold and mildew. Note any unusual lighting conditions. You should also check the furnace and other major features. Look for signs of rodent infestation, particularly near the plumbing. Take note of any cracks in the walls and tile floors, as these could indicate water damage.
When you first move in, inspect the unit carefully and write down any damages. Make sure to have someone else look over the unit as well, so you can document any problems. Keep the list for reference in case of a dispute regarding the security deposit. In addition, have a friend or roommate sign the inspection checklist. This will give you an objective third-party’s perspective and will help you prove the problems you uncovered were present before you moved in. Inspecting the apartment prior to moving in is essential for tenant protection and peace of mind.
Starting a new job is both exciting and nerve-wracking. Will you be up to the standard? What mistakes do you need to avoid? Self-doubt is perfectly normal despite being painful. Instead, focus on these tips for new Miami court reporters.
Best Practice for New Miami Court Reporters
Our inner critic can be particularly loud when we start a new job. You can try to quieten it by reminding yourself that you were hired for a reason. And no, they didn’t make a mistake.
We all learn by making mistakes, including Miami court reporters. Instead of fearing your mistakes, be open with your colleagues and admit when you don’t know something. The more transparent you are, the more they’ll want to help you.
It’s also good practice to develop useful habits to get you through the learning phase that all Miami court reporters have been through. You’ll develop your own with time but these 5 will give you a great start.
1- Practice attention to detail
It’s absolutely critical for Miami court reporters to deliver accurate and timely transcripts. These are legal documents that can impact a case. Any mistakes could be detrimental to the outcome.
We are all capable of paying attention to detail. Nevertheless, it’s a skill that needs to be nurtured. So, new Miami court reporters often practice outside their allocated work by sitting in on other cases.
It’s also important to focus when you’re editing a transcript. This means having no distractions including turning off your phone and notifications.
Another great way to practice paying attention to detail is to play games to train the mind. Some Miami court reporters enjoy these during their time off. Examples include spot the difference pictures and memory card games. The other advantage is that you exercise your mind which keeps it young and healthy.
2- Manage your time
Things can quickly get overwhelming for Miami court reporters if they don’t plan their time. As a court reporter, you’re expected to deliver final transcripts within a certain time frame. If you don’t manage your time, you’ll miss your deadlines.
The best Miami court reporters have a clear schedule with effective to-do lists. They know exactly how much time they have for each transcript and they keep their deadlines in mind.
Routines are also a great way to manage your time. Of course, you can’t control every minute of your day because you depend on the courts. Nevertheless, you can create routines to help your mind focus on the important stuff.
3- Ensure self-care
Court cases can be intense especially when you’re transcribing for several hours at a time. That’s why experienced Miami court reporters prioritize taking care of themselves.
We all need regular breaks with good food and plenty of exercise. You might also make sure you use your weekends to connect with family and friends. Spending time in nature or gardening is also another way to give the mind a break.
Everyone needs to work out their own self-care routine that works for them. Naturally, you have to fit it in around your deadlines and other court reporter responsibilities. Nevertheless, self-care is an important way to manage your mental health and to stay calm and focused. These are essential skills for all Miami court reporters.
4- Build a network
The best Miami court reporters have a good network of colleagues that they can talk to when things get stressful. They can ask each other for help and give each other ideas for their careers.
Having a strong network is critical for any professional but especially for Miami court reporters. As a career, it’s highly fulfilling but like most professional jobs, it’s also demanding. So, you need colleagues to talk to who can also help you. This is particularly true for new Miami court reporters.
When you’re new, you have so many questions and you’re bound to make mistakes. That’s why you need friendly colleagues around you with whom you feel comfortable asking all your questions. They will also be able to help you through any major mistakes you make. After all, they’ve been there too once upon a time.
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5- Ongoing development
New Miami court reporters have just finished all the qualifications but it doesn’t stop there. The real learning starts on the job. Moreover, technology is constantly changing and you need to keep on top of it. It’s important to keep training and learning about the various tools for Miami court reporters.
Whether you’re already comfortable with voice-to-text technology and Computer-Aided Transcription software, you still need to learn about the changes. Technology is there to enable Miami court reporters to be that much more effective. You’re therefore expected to make the most of it.
Parting Thoughts for Newly Licensed Miami Court Reporters
Starting a new career is exciting. Nevertheless, we all need tips to get started properly. The first step is to make sure you build a solid network of colleagues who can help you. Then, practice paying attention to detail and make time management your ultimate skill.
Although, don’t forget self-care to keep yourself healthy and in good shape to become one of the best of all the Miami court reporters.
A lot of experiences come rushing at you all at once when you get to a specific age. You may either be stuck in the past romanticizing some things or people you may have lost. It’s tempting to also doubt what the future holds for you. Fixating over the past, future, and by extension, anything you can’t control can affect your overall health and wellness. The best way to live life is to be present, facing the realities and experiences life affords you head-on. Here are five tips for living in the present.
1. Be Grateful For What You Have Now
Living in the present moment means making gratitude for the small things a priority. First, focus on the things on your plate, not what you’re yet to receive. Constantly fixating on the things you don’t have means you are taking the things you have for granted. For instance, if you appreciate getting quality sleep and improving your performance, you’ll be more responsible for mismanaging time and stressing yourself.
For this reason, an individual who prioritizes gratitude can be more critical in checking with health experts if their sleep decreases in quality. There are various sleep remedies like cannabidiol (CBD) that you can consider. CBD products come in various forms, and you can find some of the best CBD gummies online. However, be sure to consult with a doctor before consuming as there aren’t enough studies online to support the effectiveness and safety of the herb.
2. Be Mindful Of Multitasking
Multitasking has its perks. It feels like a convenient way to get more done when pressed for time, but we often ignore its adverse effects on our performance and ability to focus on tasks deeply. Constantly juggling tasks and thinking about different commitments can adversely affect your level of awareness.
The less awareness of yourself and what goes on around you, the easier it is for great moments and experiences to pass you by. The human mind is a constant chatterbox. It’s tempting to check your phone while dealing with a midblock after spending long hours on a task. In such situations, take a break, recharge, and rededicate your attention to clearing that task off your desk.
3. Be Prudent With Your Expectations
A lot of life’s disappointing experiences and heartbreaks stem from setting our expectations too high. Making uninformed guesses about things you have little control over can overwhelm you. Often, you’ll find yourself living the expected versions instead of facing your realities. Learn to practice acceptance. It calms you even in turbulent situations.
4. Meditate
Meditation forms a huge part of improving awareness of yourself and your surroundings. The major hindrances to mindful living are stress and mental clutter. If you have a lot on your mind, your attention is limited, and your ability to appreciate life as it happens is cut short. Meditation can be a great way to detach yourself from stress and unorganized thoughts. Mediation, described as the state of nothingness, stills the mind, helping you to see issues from an unbiased position.
5. Spend Time With Your Support System
The people who make you happy and worthy should be atop your list of the things you commit your time and energy to. Spending time with people who are appreciative and supportive of your efforts can increase your outlook on life, giving you a lot of present moments to live for. Generally, mindfulness or living in the present is synonymous with leading a stress-free lifestyle.
All in all, these tips can be a great guide in leading you to incremental efforts on this new journey.
The world is at a point where we have never had so many avenues to use to create and administer a campaign. Whether it be a sales campaign, campaigning for fundraising, or a political campaign.
The rise of the internet, social media, and cell phone technology has had a massive impact on how people interreact with each other. Conversations are taking place at a phenomenal rate all over the world between people that don’t know one another physically. Using this technology has to be a priority for any business or organization if they want a successful campaign.
Social media
Social media has, in the last 10 years, progressed enormously. Thoughts, ideas, and information can be shared. It is a fantastic platform to use for campaigning. Starbucks: The Unicorn Frappuccino campaign is the most successful social media campaign as of 2020. The ‘Make Poverty History’ campaign in 2005, with stars clicking their fingers to highlight deaths through poverty in third world nations, was run on TV, radio, and cinemas all over the G8 countries, and the impact was major. Now imagine if that campaign was run today on social media. It would be explosive.
SMS (Text) Messaging
Texting is now a word due to its popularity. How can this help with a campaign? There are obvious advantages to having a person’s cell phone number and being able to message them. Political text messaging has been around for a few years now and has proved successful. A person may scroll past an ad on their social media page or class an email as spam, but they will always read a text message to their phone.
Email
The use of email can be a tricky one due to spam filters. If you mail too many people, it will be classed as spam or junk mail, and the majority of your recipients will never see it, and those that do will ignore it. Obtain the emails legitimately and fairly, and they will reach the audience that the campaign is aimed at.
Search engines
There are 68,542 searches on Google per second. This is an amazing number, but what does that mean for a campaign? To get the campaign running, you will need a campaign website that hits up there on the first search page, or the message will not be out there and visible, with potential customers going somewhere else. Employ a professional website designer and then use a reputable SEO (Search Engine Optimization) company to get you on that first page of Google and noticed.
Whether you are a small company or multinational, if you are a major charitable organization, or campaigning for your local youth group, or for election as president of the United States, the use of all the technology we now have at our fingertips needs to be explored and made good use of. This blog post lists just four ways technology can be used for successful campaigns. Employing these will take your efforts to the next level.
Ghana is one of the most vibrant economies in Africa. Thus, you’d definitely expect its infrastructure and technology to be superb. Many immigrants come from Ghana, and from time to time they need to send money back home. Often, they don’t get an easy way to send money due to the cost implication and speed of arrival. But a money transfer app gives immigrants an easier time sending money back home. And this is not only limited to immigrants, but also those who want to send money to Ghana for business.
So, what are some of the best and cheapest ways that you can use to send money from the UK to Ghana? For starters, we’ve stated that the best avenue that you can use is a money transfer app. The question is, which money transfer app services are ideal to use? Here are some picks for you:
PayPal
PayPal is one of the longest-serving money transfer options in the market. It has existed for more than two decades now and is still continuing to help millions around the world. What better way to send money to African countries like Ghana than through a money transfer app like PayPal?
PayPal supports over 20 currencies of the world, including those on the African continent. The fact that it is one of the most popular apps in the world when it comes to money transfer also makes it attractive to many.
Immigrants love using PayPal to send money back home due to the pure convenience it has. Money transfers typically arrive on time, unless for some delays – which are also rare. In addition, their fees are cheaper than what you’d get in a bank.
Afriex Money Transfer App
Another impressive money transfer app that you can use to send money from the UK to Ghana is Afriex. It is still fresh in the industry but has gained the attention of so many immigrants in the UK. So much that it is slowly becoming the most preferred option for sending funds abroad.
When you’re in the UK and want to send money to Ghana, then we would strongly advise that you try out this service. Aside from their rates being rather low on money transfers, their speed of delivery is also quite fast. Thus, if you have an emergency to deal with back in Ghana, you can send funds quickly while in the UK.
What’s, even more, is that you can also send cryptocurrency, in addition to all the fiat currencies available on the platform.
SendWave
SendWave money transfer app started way back in 2014 as a solution to the high transfer fees that banks charged individuals to send money to African countries. And it sure did make a difference by bringing these rates down to the low. Today, many immigrants use SendWave to make transfers to their African countries.
As an immigrant in the UK, you can easily send money to Ghana and expect it to get to the recipient quite fast. You’ll need to check their website for full details on their pricing when it comes to transfer fees. For some African countries, there’s even no transfer fee!
CurrencyFair Money Transfer App
From their name, you can already tell that they have a fair policy in terms of transfer fees and charges. In addition, some of their in-app features are pretty exciting. For instance, they use a competitive exchange rate and a smart platform technology that reduces the cost of making money transfers by up to 8 times. In most cases, CurrencyFair prices range at 0.4% of the exchanged amount.
CurrencyFair also has a decent user interface that makes it easy for anyone to navigate through their platform and transfer funds abroad. If you’re not so much in a hurry to send money, you can request a better rate when the market changes so that you send money and get full value for it.
They are pretty fast too, as many claim it is the best option to use when you want to send money to an African country really fast. The money you send can get to its destination in a day.
Xoom
Xoom started out in 2001 and has since been a great option for people sending money abroad, even to African territories. Aside from just sending money, people can perform mobile top-ups and even pay bills across different platforms. Talk about convenience in services.
Xoom today belongs to PayPal and users can send funds to over 100 countries in the world, including those in Africa. Their transfer rates are also attractive and not as oppressive as bank transfer charges.
Final Thoughts
Sending money from the UK to Ghana sure is easy nowadays. With the influx of many service providers, you’re definitely spoilt for choice. Just ensure you pick the money transfer app with the best rates, speeds, and security.
In order to keep your restaurant and bar running smoothly and profitably, you need to take care of it the same way you would treat your customers. Making sure you have the right bar insurance to protect it, just like you would protect your customers, will help make sure that everything goes as smoothly as possible even in the event of unfortunate circumstances. To help give you an idea of what kind of insurance to look into, here are some types of insurance you may want to consider
General Liability
Liability insurance covers bodily injury and property damage sustained by third parties on your premises. A general liability policy will cover claims arising from almost any situation, including slips-and-falls, dog bites, employee errors, customer injuries, or even riots. If a patron falls ill after eating your food, if a trespasser is injured on your property or if someone slips in your lobby—these are all covered under a general liability policy. Be sure to include adequate limits for each claim made against you.
If you use liability as your go-to bar insurance, be sure to include umbrella coverage. An umbrella policy will protect you from a catastrophic claim that could wipe out your business. For example, if someone were injured on your property and incurred $1 million in medical bills—and you had only $500,000 in liability coverage—you’d be on the hook for another $500,000.
Property Damage
This bar insurance covers any damage caused by fire, theft, storm, or other natural disaster. If your restaurant is harmed in a disaster, it could cost you thousands to repair or replace. A good policy limits your risk and pays for repairs or replacements right away so you can get back on your feet quickly. In addition, it should pay for temporary living expenses if you have no income while a permanent fix is made.
Business Income
If you operate your business as a sole proprietorship, an LLC, or a corporation, you can add yourself as an additional insured on your company’s commercial general liability policy. This allows you to recover any profits lost because of injuries related to your business. For example, if someone trips on a chair in your restaurant, breaking his arm and stopping him from working while he recovers, you can recover those losses from your bar insurance company. However, adding yourself as an additional insured also increases your premiums slightly each year.
Workers Compensation
All states require businesses that employ people on-site, whether they are full or part-time, to have workers’ compensation insurance. The coverage pays for medical bills related to a work-related injury or illness. Be sure you know if your state mandates it—and you don’t miss out on qualifying for any discounts by purchasing too late.
Liquor Liability
The average food cost in a restaurant is 20-25% and liquor is 50-60%. If there is an accident with alcohol on your premises, you can be sued by someone who’s injured or their family. You’ll have to pay hospital bills, lost wages, pain & suffering, and mental anguish; all these things add up quickly. Liquor liability insurance covers any legal proceedings that arise from an injury that occurs due to your serving alcoholic beverages at your restaurant or bar.
With this type of bar insurance, you’ll be covered for personal injury claims that occur as a result of your business serving alcohol. If you are sued because someone was injured on your premises due to alcohol intoxication or some other reason related to drinking, then you will be covered by liquor liability insurance. This is an important part of owning a restaurant or bar because it covers all legal expenses if something goes wrong with alcohol on your premises. It’s better to be safe than sorry when it comes to serving alcohol in your restaurant or bar.
Loss Control
Business owners need to protect their employees, patrons, property, and bottom-line against losses. Of course, not all insurance is created equal.
Consider starting with a general liability policy—it covers bodily injury or property damage that occurs on your premises or as a result of your business operations. With liability insurance, you also can protect yourself from potentially devastating lawsuits that can cost tens of thousands in legal fees just to get started.
Employment Practices Liability
It protects businesses from claims arising from job discrimination, wrongful termination, harassment, or other employment-related issues.
Employment practices liability insurance protects you if a former employee brings suit against your business because he or she was fired or not hired due to: age; race; national origin; gender identity; sexual orientation; political affiliation; disability; or marital status. This coverage is often included as part of an EPLI policy. Employees are most likely to sue their employers over wrongful termination, harassment, and wrongful discipline.
Umbrella Liability
An umbrella policy provides additional coverage for damages that occur outside your normal business operations. This includes slip-and-fall lawsuits, which have become more common as a result of people trying to save money on personal injury protection (aka car insurance). As such, it’s especially important for restaurants and bars that have events like yoga classes or art installations.
Most types of bar insurance will cover losses resulting from slips, trips, falls, and even broken glass. However, these policies will not cover any injuries you cause yourself or your employees. For example, if you accidentally break a bottle of wine over your foot in front of customers, it’s unlikely that your business liability policy will help pay for medical bills. That’s why it’s important to have an umbrella policy in place as well.
Cyber Liability
Cyber attacks are growing in number every year, with a resulting rise in both customer identity theft and credit card fraud. Hackers have also recently taken over some very high-profile companies’ Twitter accounts.
As a business owner, you could be held responsible for lost funds if a cyber attack occurs on your restaurant or bar’s website. Consider investing in cyber liability insurance to protect your business against these attacks.
Final Thoughts
Being a restaurant or bar owner means you have a lot on your plate. It’s important to not only understand what types of insurance are necessary for your business, but also that you keep up with paying for them. It’s also essential that you know what type of coverage you need as every business is different.
My dear girls, I have one question for you. Do you party trends in fashion and beauty? I am not a person who blindly follows trends. I will not wear something that does not fit me well. But I like to be informed, and to try to bring out everything that I like and that looks good on me. I respect uniqueness, individuality, but the progress in every segment of fashion is great. If we read and hear about trends we can learn a lot. Shapellx is an online shopping site. Just like that, innovative, that goes even ahead of time. Are you familiar with the term shapewear? It is the underwear that shapes our body. It is worn under clothes. It is made in such a way, without edges and seams, that it is invisible through clothes. Until a few years ago, I wouldn’t have thought that such a thing was possible.
To a flat stomach without diet and physical exertion
I could hardly wait for this passage. Now I will specifically explain my favorite product to you. It’s tummy control shapewear. The stomach is the place where we grow up most often. We can even be fit and thin on other parts of the body without the stomach being problematic. It is enough for me to overeat and you can immediately see the excess. Unfortunately, it is so. Do you know those situations when you swell up just before an important event? It happened to me too. I strive to wear the bodycon dress I bought months earlier. I spend the whole day under stress. That’s why shapewear is a quick fix. You put it under your dress and get a flat stomach in a second. The dress will look beautiful on you. And you will go to the celebration full of confidence and enjoy. And all this for a really good price. Look at the prices, every woman can afford it. The site often has discounts and promotions, such as free postage or a big discount if you take two products. Now there are big discounts, catch the great action. Worth every penny. Top quality that lasts for years. And the confidence you get when you look at yourself when wearing shapewear is priceless. It is made of a special elastic material, it is very comfortable to wear.
Even better news – to a perfect body with just one trick!
Reading the previous paragraph, you probably thought – great, I’ll fix my stomach, but what about my arms and thighs? We have reached that point. On the site you can find I full body shaper. Yeah, that’s right, your whole body will be a few numbers smaller in an instant. Imagine a taut body, with prominent feminine curves. What has been a dream for years is now available in just one step. The people behind the site are working hard. They are constantly innovating. And they are perfecting the models. What is a big plus with all models is the easy going to the toilet. You don’t have to worry. Each model has a hole that opens easily. So you don’t have to take off all your clothes and shaper when going to the toilet. There is simply no little thing that the designer team did not care about. You can’t find any flaws.
See for yourself
If you have any doubts or ambiguities, be sure to look at shapewear before and after. There are many ordinary women who have tried this, and who share their experiences with you. When you see them in the photos you will be delighted. If they manage to make their body sculpted, so will you. Now you don’t need patience, the results are obvious.
