Why General Dentistry Is Necessary

Taking care of your teeth is one of the most important things you can do for your health. Regular brushing, flossing, and gargling with mouthwash should be included in every oral hygiene routine. You must also schedule regular checkups with your dentist to prevent permanent damage to your teeth. 

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What Is General Dentistry? Now that many of them offer cosmetic and restorative dentistry procedures, such as tooth whitening and dental implants, it is easy to lose sight of what all dentists are truly trained to do. Also known as preventative dentistry, general dentistry focuses on stopping minor issues from becoming major dental problems. Filling cavities, performing root canals, and completing regular cleanings are just a few of the things ordinary dentists do to protect our smiles.  

Dentist Richmond VA

Why We Need Them Even if you brush and floss and gargle and take excellent care of your teeth, plaque and tartar can form around and below your gum line. Only a licensed dentist or dental hygienist has the experience and tools needed to remove these potentially harmful deposits before they cause serious damage. During a checkup, your dental professional may also floss and polish your teeth to remove food deposits that can combine with bacteria to form plaque. What Should You Expect? Most dental checkups are routine examinations of your pearly whites, designed to detect possible problems that could lead to more serious issues if left untreated. If you take good care of your teeth and have not had oral issues in the past, odds are your dentist won’t find anything. Of course, he or she will still perform a thorough cleaning.

Why is this? A preventable condition, gum disease is the leading cause of tooth loss the world over. When it is caught early enough, it can be successfully treated with common general dentistry procedures. But in order to diagnose the problem, your dentist will most likely take X-rays of your pearly whites to determine if any bone loss has occurred. Gingivitis & Periodontitis A relatively minor form of gum disease, gingivitis can often be treated with a simple cleaning and a more rigorous oral hygiene routine. By comparison, periodontitis is a far more serious disease that destroys the bone and tissue that keeps our teeth in place. General dentistry procedures such as scaling and root planning may be used to try to save infected teeth.

Keeping Appointments As effective as they may be, the aforementioned services and procedures only work if you make it to the dental office on time. According to a recent survey, more than one-third of adults don’t keep their scheduled appointments. It is no wonder tooth loss is at epidemic levels in the U.S. At last count, nearly 180 million Americans were missing at least one tooth, and almost 40 million of them did not have any teeth. An Ounce Of Prevention As unpleasant as it may be, your dentist needs to poke around in your mouth to look for possible problems from time to time. Only then can he or she prevent them and save your smile for years, even decades to come.

Bitcoin puede ser un cambio de juego dentro del sector del comercio electrónico

Para que las criptodivisas ganen en adopción, es posible que las monedas populares como Bitcoin tengan que empezar pronto a resolver problemas de los que actualmente se ocupan las formas tradicionales de financiación. Si bien es poco probable que una sola moneda resuelva y atienda todos los problemas del mundo, los últimos acontecimientos entre las monedas alternativas han demostrado que el mercado está más que dispuesto a desplegar dividiendo los desafíos y abordándolos de uno en uno.

Defensor de Bitcoin – Andreas Antonopoulos

en una reciente interacción habló sobre cómo las criptodivisas como Bitcoin Loophole pueden ser un relevante cambio de juego dentro de la industria del comercio electrónico y pueden ayudar a más usuarios a migrar a formas de pago descentralizadas que ofrezcan mayor seguridad. Señaló que para las empresas que están planeando usar cripto moneda para los pagos pueden beneficiarse inmensamente de soluciones como las claves públicas extendidas, señaló,

  •     „Si quieres dar una nueva dirección a todos los que visitan tu sitio web necesitarás algo como un servidor de pago BDC… estos sistemas no almacenan tus claves privadas en línea. De hecho, ni siquiera necesitan tus claves privadas en absoluto. En su lugar, lo que le das a estos programas es lo que se llama una clave pública extendida o xPUB.“
  • Aunque es posible seguir utilizando la misma dirección de Bitcoin varias veces, hay preocupaciones de privacidad involucradas según Antonopoulos. Potenciar el uso de claves públicas extendidas resuelve este problema sin comprometer el aspecto de seguridad de los fondos propios, especialmente en comparación con el uso de hot-wallets que pueden suponer serias amenazas de seguridad para un negocio. Señaló,

    „Lo único que hay en el sitio web es una llave pública extendida. Y así es como podemos hacer comercio electrónico sin usar una cartera caliente en un servidor, lo cual es extremadamente vulnerable, ya sea que estés haciendo facturas y sólo copiando una única dirección de Bitcoin no tienes que arriesgar tus claves privadas con una cartera caliente“.

Es interesante que el mercado de la criptografía se haya expandido significativamente a medida que más usuarios corporativos del sector bancario, financiero y de seguros [BFSI] se suben a bordo. Un informe que se publicó a principios de año sugirió que los dispositivos de cadena de bloqueo como las carteras de hardware vieron aumentar la demanda y es probable que aumente en los próximos años, a medida que más empresas hagan la transición al cripto. Se señalaba,

„Según el informe, en 2019, el mercado mundial de dispositivos de cadena de bloqueo generó unos ingresos de 300 millones de dólares y se prevé que alcance los 23.500 millones de dólares en 2030, avanzando a una CAGR del 48,7% durante el período previsto (2020-2030)“.

Zentralbanken haben kein Interesse an digitaler Währung für Verbraucher

Lösungen für digitale Währungen, die den Verbrauchern direkt gegenüberstehen, werden von den Zentralbanken nicht ernst genommen, so ein Visa-Vorstand.

Verbraucherorientierte digitale Währungslösungen werden von den Zentralbanken nicht ernst genommen werden, so ein Visa-Vorstand.

Cuy Sheffield, der Leiter von Visa Crypto, twitterte am 18. Mai, dass er nicht glaube, dass die Zentralbanken daran interessiert seien, Verbrauchern direkt eine digitale Währung der Zentralbank (CBDC) zur Verfügung zu stellen:

„Wenn eine Zentralbank beschließt, den Verbrauchern eine digitale Brieftasche direkt anzubieten, dann müssten CBDC und die Zentralbank standardmäßig zu einer Haushaltsmarke werden, aber dieser Ansatz dürfte von den meisten großen Zentralbanken aufgrund der operativen Herausforderungen kaum ernst genommen werden.

Sheffields Bemerkungen folgen auf einen Bericht der Blockkettenfirma R3, in dem es heißt, dass derzeit keine Zentralbank an einer CBDC arbeitet, die von Bitcoin Trader genutzt werden kann.

Wie anonym sind Bitcoin Trader wirklich?

Die zwei Arten des CBDC

Sheffield sieht zwei Ansätze für die CBDC-Implementierung, wobei der erste eine verbraucherorientierte Lösung ist, die dem Bargeld ähnelt, während der zweite eine neue Echtzeit-Zahlungsinfrastruktur für Banken ist.

Im Falle der Lösung für digitales Bargeld bezweifelte Sheffield, dass die Zentralbanken den Verbrauchern den Unterschied zwischen CBDCs und digitalen Einzahlungen bei Geschäftsbanken erklären könnten. Er schrieb:

„Dies wäre besonders schwer zu erklären, wenn CBDC so konzipiert ist, dass ein Verbraucher nichts anderes tun kann, als er es mit einer App wie Venmo tun könnte, die mit seinen bestehenden digitalen Einzahlungen bei seiner Bank verbunden ist.

Sheffield erklärte, dass CBDCs, um den Unterschied für die Verbraucher sichtbar zu machen, Funktionen haben müssten, die digitale Einzahlungen nicht haben, wie z.B. begrenzte Anonymität und Offline-Zahlungen. Andernfalls würden die Verbraucher den Unterschied zwischen alten Zahlungssystemen und CBDCs nicht verstehen:

„Die andere Möglichkeit ist einfach zu sagen, dass die Verbraucher den Unterschied zwischen ‚digitalem Bargeld‘ und ‚digitalen Einzahlungen‘ ebenso wenig kennen müssen, wie sie den Unterschied zwischen FedNow- und TCH-Zahlungsschienen verstehen werden.

Im zweiten Ansatz, bei dem ein CBDC als Zahlungsinfrastruktur dient, erklärt Scheffield, dass das Währungsökosystem als Grundlage dienen würde, auf der Firmen ihre Brieftaschen und Dienstleistungen aufbauen könnten.

In einem solchen Fall würden die Verbraucher die Funktionalitäten nicht mit der Zentralbank selbst in Verbindung bringen, sondern eher mit den Unternehmen, deren Brieftasche und Zahlungsdienste sie nutzen:

„Die Verbraucher würden die Beziehung mit der Fintech-Brieftasche haben und sie auf der Grundlage der Marke und der Merkmale der Brieftasche und nicht auf der Grundlage der Merkmale und der Haftungsstruktur des zugrunde liegenden Geldes, auf dem sie aufgebaut ist, übernehmen“.

Visa ist an digitalen Währungen interessiert

Visa hat sich nicht gescheut, sein Interesse an Blockkettentechnologie, Kryptowährungen und digitalen Währungen zu zeigen. In einem der letzten Beispiele hat Visa vor kurzem eine Patentanmeldung für eine digitale Währung, die auf einer Blockkette aufgezeichnet ist, beim Patent- und Markenamt der Vereinigten Staaten von Amerika (U.S. States Patent and Trademark Office) eingereicht.

Online Poker Room Gambling

Online poker room gambling is an exciting new hobby of many people from all walks of life. You have seen the commercials on television. Poker sites tell you to come to their web page and play poker for fun or profit against other poker players. But you may be wondering exactly how it all works. https://situsidngame.livejournal.com/299.html

When you register at an online poker
room gambling is easier than when you physically sit at a table in a casino. That is because the software you download controls the online poker room gambling. It is almost impossible to make a wrong move when you are online poker room gambling. The software will notify you when it is your turn to bet (so you cannot bet out of turn). It will offer you amounts to bet, although most times you can change that to a higher amount. It will also give you an option to fold your hand if you feel it is not good enough to beat the others at the table. Some people who would never dream of playing poker in a real casino love to play online because the software guides them through playing. Even if you are not sure how to play the game of poker, the software that you have to download will help walk you through the steps. This site

If you have not tried online poker room gambling, you may want to give it a shot! You will probably find it to be a fun, exciting, and addicting game.

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Home Based Business Ideas For Mothers – A Few Ideas For Women

Home based business ideas for mothers can be varied and fun. The choices you make can be based on your hobbies or interests. The fact is, there are tons of opportunities out there for you to start a business. 

home based business ideas for moms

Unfortunately, there is just a small portion of women who will take the plunge and start a business. This is mainly due to some perceived challenges, like financial, emotional and time constraints.

The truth is, women have higher success rates in many business endeavors. There are women who run successful businesses each and every single day. However, they are not aware of it.

You are not going to realize success if you are not in the right mind set. Before you even think about starting a business, get your mindset straightened out. Focus on the positive side and choose a home based business idea for mothers that is exciting but manageable.

If you are trying to achieve a professional career, you can begin with a job that requires no money to start. You could offer your services to a company for a low fee. Maybe you could sell affiliate products to people who have given you their contact information. I am sure there are many more options.

If you are more adventurous, you could get involved in freelance opportunities. Many jobs that require little to no money can provide a wonderful living. Online jobs can be very easy to enter, as long as you know what you are doing. There are many freelance job sites out there to help you.

You could also pursue opportunities in the education industry. Many women have made a great living from teaching, tutoring and writing. There are many advantages to becoming a full time teacher, and these opportunities are gaining popularity with more people every day.

The allure of entrepreneurship is something most women are drawn to. However, it is important to think carefully before jumping into it. Be realistic and select a business opportunity based on your strengths.

It is important to learn about the economy and the things need to make money in this market. Make sure you research the product or service thoroughly and learn about it before you begin. This will ensure you have a successful venture.

In order to find the right business for you, there are several home based business ideas for mothers that you can consider. You can make money from scrapbooking, jewelry making, babysitting and catering. You just need to take the time to research your potential opportunities.

It is amazing how far the internet has come in this age. You can literally find anything you want if you are willing to dig deep enough. Do not just take someone’s word for something, investigate the business.

Home based business ideas for mothers can be found in the many online communities. There are many who will sell you the dream that you desire. Find out exactly what it is you want out of your new venture.

Business Broker – How to Select the Right One

You decided to sell your business and to hire a business broker to professionally assist you in this uneasy task. How to select the right business broker? There are so many around: individual brokers, small offices, national franchises – go figure…  

Business Broker in Singapore

A simple truth is your success depends on skills and dedication of a particular business broker who is your listing agent. It doesn’t really matter how big is the office and how many people are standing behind the agent. You have to establish rapport, and feel comfortable working with that particular person. It can be done via telephone or in-person interview. Telephone interview will save you a lot of time, so I suggest to start with it.

One very important piece of advice – don’t hire real estate agent who occasionally sells businesses. The very first question to ask – is the broker sells businesses full time? Hire only professional business broker who sells businesses full time.

Another important piece of advice – don’t make amount of commissions to be a deciding factor in hiring an agent. Common saying „you got what you paid for“ works here exactly same way as everywhere else. Business brokers generally charge between 8 and 12 percent commission for businesses priced under one million, and you definitely don’t want to get the cheapest one. By the way, if an agent is asking 6% commission, most likely she is a real estate agent – red flag! Another red flag is when agent is asking for any money upfront – no, no, and no!

Ask candidate to describe step-by-step activities that he/she will be performing for you. Make sure that you understand everything, ask questions.

At Global Business Group we start with helping you to determine the purchase price. Agents shouldn’t ask you for the purchase price, they should help you to determine one based on multitude of factors related to the business. However agent may ask you if you have a particular price in mind, just to see how close or far your expectations are from calculated fair market value. This business valuation is generally done free of charge if you’re signing a listing agreement. However, expect to pay a fee for business valuation services in case the agreement hasn’t been signed.

Ask a broker where your business will be advertised. It should be advertised with at least 3-5 major business listing services. Make sure to confirm that your business will be advertised very discretely and that every potential buyer will be asked to sign confidentiality agreement prior to getting any information about your business.

Ask business broker if she will be cooperating with other brokers. Coop is obviously beneficial to you because it increases chances of selling.

And finally, be as opened with your agent as possible. It just doesn’t make sense to lie or hide anything from him or her. You are on the same side. I always tell my clients who come to us to be as honest and opened about their business affairs as possible. If agent knows the truth he/she can package and present it to buyers in such way that is acceptable to them.

 

Binance Smart Chain bringt intelligente Vertragsmöglichkeiten

Binance Smart Chain bringt intelligente Vertragsmöglichkeiten in das Binance-Ökosystem

Die Finanzwirtschaft erlebte in ihrem ersten Jahr nach ihrer Einführung 2017 ein rasantes Wachstum und entwickelte sich schnell zu einer der größten Kryptogeldbörsen der Welt. In diesem ersten Jahr begann die Binance auch damit, den Grundstein für ein ganzes Blockketten-Ökosystem, einschließlich einer eigenen Blockkette, zu legen.

Krypto Austausch bei Bitcoin Era

Binance Chain ist ein von Binance und der Binance-Gemeinschaft entwickeltes Blockketten- und Peer-to-Peer-Verteilungssystem, das im April 2019 eingeführt wurde. Der dezentrale Austausch bei Bitcoin Era von Binance (DEX) baut auf der Binance Chain auf und erleichtert den Austausch von digitalen Assets, die auf dem DEX ausgegeben und gelistet werden. Der Abgleich erfolgt innerhalb der Blockchain-Knotenpunkte, und alle Transaktionen werden on-chain aufgezeichnet, wodurch ein vollständiges, prüfbares Aktivitätsbuch entsteht.

„Binance DEX ist ein dezentralisierter Austausch mit einem dezentralisierten Netzwerk von Knoten, bei dem Sie Ihre eigenen privaten Schlüssel besitzen und Ihre eigene Brieftasche verwalten“, erklärt Changpeng Zhao, CEO von Binance. „Mit Binance DEX bieten wir ein anderes Gleichgewicht von Sicherheit, Freiheit und Benutzerfreundlichkeit, bei dem Sie mehr Verantwortung übernehmen und mehr Kontrolle über Ihr Vermögen haben“, erklärt Changpeng Zhao, CEO von Binance.

Die Binance Coin (BNB) ist die einheimische Münze in der Finanzkette und ist die treibende Kraft im Ökosystem der Finanzen. Eine strikte Grenze von 200 Mio. BNB wurde ursprünglich auf der Ethereum-Blockkette als ein ERC-20-konformer Vermögenswert geschaffen. 50% wurden zum Verkauf in einem ICO zugeteilt, 40% waren für das Gründerteam und 10% für Angel-Investoren vorgesehen.

Die BNB kann zur Zahlung von Gebühren verwendet werden und bietet einen erheblichen Rabatt

Benutzer können den Vermögenswert für Börsengebühren, Rücknahmegebühren und Börsenzulassungsgebühren verwenden. Jedes Quartal wird eine Anzahl von BNB verbrannt, basierend auf dem Handelsvolumen auf Binance.

Am 18. April 2020 hat Binance den 11. vierteljährlichen BNB-Burn abgeschlossen. Die vierteljährliche Verbrennung war mit 3.373.988 BNB, das entspricht 52,46 Mio. USD, die bisher größte Verbrennung von Wertmarken- und Fiat-Beträgen. Bisher hat die Binance insgesamt 20,12 Mio. BNB-Marken verbrannt, was etwa 10% des Gesamtvolumens entspricht. In Dollar ausgedrückt zum aktuellen BNB-Preis entspricht dies etwa 330 Millionen US-Dollar.

Der Anstieg der Geschäftsaktivitäten in diesem Quartal ist weitgehend auf die Binance-Futures-Plattform zurückzuführen, die sich zur volumenmäßig größten Krypto-Futures-Börse der Welt entwickelt hat. Die Futures-Plattform beherbergt vierundzwanzig verschiedene ewige Kontrakte, ein beliebtes Derivat bei Händlern, Spekulanten und Absicherungsgeschäften. Binance hat sich vor kurzem auch auf dem Optionshandelsmarkt etabliert und damit eine weitere potentiell lukrative Einkommensquelle erschlossen.

Die am meisten nachgefragte Funktion der Binance Chain ist jedoch die programmierbare Erweiterbarkeit oder die Funktionen Smart Contract und Virtual Machine. Emittenten und Eigentümer digitaler Vermögenswerte haben derzeit Schwierigkeiten, neue dezentralisierte Funktionen für ihre Vermögenswerte hinzuzufügen oder irgendeine Art von gemeinschaftlicher Verwaltung und Aktivitäten einzuführen. Trotz dieser Forderung kann die Ausführung eines Smart Contracts on Binance Chain den DEX verlangsamen.

Angesichts dieser Sackgasse haben die Entwickler hinter Binance Chain vor kurzem ein Whitepaper veröffentlicht, in dem die vorgeschlagenen Spezifikationen eines neuen intelligenten Vertrags, der eine Blockkette ermöglicht, die als Binance Smart Chain (BSC) bezeichnet wird, detailliert beschrieben werden. Die neue Kette wird die Ethereum Virtual Machine nutzen, die es den Entwicklern ermöglicht, darauf dezentralisierte Anwendungen zu erstellen.

Die beiden Binance-Blockketten werden unabhängig voneinander sein und parallel laufen. Sie werden jedoch durch eine Cross-Chain-Brücke für BNB verbunden sein, so dass der Token auf beiden Ketten nativ verwendet werden kann. Die Brücke wird auch die Bewegung von BEP2-Tokens und die Oracle-Kommunikation unterstützen.

Die Binance Smart Chain

Die BSC ist auch so konzipiert, dass sie mit Ethereum kompatibel ist. Wie im Whitepaper ausgeführt, „werden die meisten dApps, Ökosystemkomponenten und Werkzeuge mit BSC funktionieren und keine oder nur minimale Änderungen erfordern“. Knoten für BSC erfordern im Vergleich zu Ethereum auch ähnliche oder etwas höhere Hardwarespezifikationen und Fähigkeiten für den Betrieb und die Bedienung.

Die Entwickler der Binance Smart Chain haben sich für einen hybriden Proof-of-Authority (PoA)- und Proof-of-Stake (PoS)-Konsensalgorithmus entschieden, wobei sie Umwelt-, Leistungs- und Sicherheitsbedenken des Proof-of-Work (PoW)-Konsensalgorithmus anführen. Sie bezeichnen diesen Algorithmus als „Proof-of-Stake-Authority“ (Machtnachweis). Dies dürfte zu einigen bemerkenswerten Leistungsgewinnen bei der intelligenten Vertragsausführung führen, wenn man sie mit der Ausführung des Codes auf Ethereum vergleicht, das derzeit noch PoW verwendet.

Why Do Individuals Go for Self Employment?

Self employment can be categorized within the form of the status in the labor market that can cover a vast range of activities. There are various reasons as to why individuals may go for the option of self employment and this is why the group might be heterogeneous. On the one end, the self employed individual can be seen as a single, entrepreneurial employee having micro businesses whereas, on the other end, a possible spectrum is that a group may comprise those people who tend to fail in finding an appropriate paid employment prevailing within the current market conditions. For instance, those who require working in flexible hours might rightly select it as way of earning an income in case a paid contract of employment that is offering enough flexibility is unavailable. There are others who consider this idea as the only alternative to unemployment. 

self employed

In order to gain an insight of all the positive reasons that are attributed to those individuals who go for self employment, there is a vast range of motivations that requires consideration. These motivational factors might include the desire of self expression, for status, for independence or for any financial benefit.

Broadly speaking, this concept can be categorized within two sections:

· Individuals who go for self employment for voluntarily purposes such as to attain job satisfaction, independence as well as to earn higher returns, and;

· Individual who have been forced to enter into self employment simply because they do not find any other attractive opportunity.

In case, the motivation behind self employment of an individual is the former one, than the entire scenario can be viewed positively as it will offer the individuals an opportunity to increase the quality of living along with exploring different entrepreneurial opportunities. On the other hand, if an individual enters for any negative reasons or is forced within self employment then there are chances that the individual will be unwittingly encouraged to launch work opportunities or business ventures that are not only poorly resourced but, are ill-prepared as well. Such a situation might also result in a delayed transition towards unemployment.

Why is self employment growing?

There are many reasons to which the growth of self employment can be attributed to and below mentioned are some of the most common reasons:

· The number of people seeking full time employment jobs are quite higher as compared to the number of jobs available in the in the industry.

· Outsourcing of labor cuts a great deal of costs of the employers.

· Improved level of productivity as well as rapid increment in technological advancements tends to replace many jobs.

· The requirement to have flexible working time can be found in many working parents as well as in other individuals.

· The stripping of a whole management layer now holds very less opportunities for advancements.

· The advancement of the internet technology has made the idea of self employment accessible as well as low cost area to enter.

· Younger generation requires more freedom in their work and this is abundantly present in being self employed.

· It can be a part of your portfolio career in addition to your part time job.

Should you try self employment? What to consider?

It is the dream of many people to become a boss one day – by being self employed. But, the question is as to whether self employment is the right option for you or not?

Talking about the positive side, opting to this concept will allow you to be more flexible as well as freedom in your work through which you will be able to make your own decisions. Moreover, if your self employment plan is home based or if you are working from near your home, than it is considered to be a better commute. In addition to the positives, there are negative factors as well which might include the risk of extra stress risk, unpredictable income and most importantly the challenge to attain benefits on your own. You can consider about its pros and cons in a way that if you fall in this category, you go plan a vacation at anytime you want being its pros whereas, the con side will be that no one will be paying you for that trip.

If you want to work for yourself, discussing the topic with other people who are ether willing to start one of their own businesses or are conducting the affairs of a business similar to the one you are planning will be a good idea. Moreover, making a good amount of research of the market in which you are planning to enter along with its related matters such as tax obligations and record keeping will make the task easier.

On the other hand, even if you are planning to start a one-man business such as a graphic designer or a handyman after you have sought some experience in the field; there is still lot to be learnt about the practicalities of being self employed. Following mentioned are some points to consider when one is opted to this concept:

· How much flexibility you can show and what level of comfort you can show when dealing with an uncertain situation. What are your thoughts about the fact when you ought to have various tasks within your work?

· What is the amount of your fixed expenses and what type of resources as well as financial safety you have in your household (household income or savings)?

· What is the growth rate of the market segment in which you are deciding to enter?

· What are your thoughts about marketing and selling yourself as well as your business?

· Do you have the qualities of being self disciplined and self motivated?

· What is your competitive advantage and who will be the rivals in the market?

· Do you hold enough knowledge and information about business topics and market resources?

· How can you test your business plan? Are there any ways through which your business model can be tested initially so as to know whether the plan will work or not?

· Have you prepared an estimate as to what amount of capital will be required to start your business and whether you will be able to pay living expenses of you and your family during the launching phase of your work? Do you have that required amount of capital? If no, then how will you obtain it? Have you drafted any plan about what will you do if your expenses exceed your income than was forecasted?

Why Should I Be Self Employed?

Are you looking for an opportunity to become self employed and be your own boss? Being a boss to own can be a very big decision especially if your routine has been to work for someone else and have a steady amount of salary every month. The question as to why should I be self employed is supported with many reasons or you can also refer them to be the pros of being self employed.

· You have your fate in your hand. You have the freedom to make your decisions as this opportunity is absent in a regular 9 to 5 job in which you really cannot select what to do, why and when.

· You have the opportunity to do what you have been dreaming of. Since all the affairs are in your own hand, you are free to make those decisions to which you have always wished for your own.

· Your earnings depend upon your performance and there is an opportunity to earn as much or as little as possible. There is more freedom to work as well as rest depending on what you feel.

· You will be able to spend quality time with your family members and friends.

· Your work schedule is flexible and can be designed to adjust with your needs and requirements.

· You can control your level of development. For instance, you can learn and work on aspects which you have interest in rather in those areas in which your boss is interested in.

· A successful setup of your own can bring you pride.

· You have the opportunity to follow your dreams.

· The working hours are quite flexible however, remember that the more you work the more you can earn.

Facts to remember

· Motivation is the key towards opting a successful self employment plan. If you want to become successful, you will have to put in some extra hard work.

· You will be held responsible for all your actions and its consequences unless you go for a partnership concern in which all the partners will be held liable.

· Networking on both online and offline courses will be important.

Self employment is considered to be a life changing decision, so, it is very important that you look into every aspect and then start your work so as to become successfully self employed.

 

Winter Home Fire Safety

During the winter, we are all trying to stay warm and decorate for the holidays. The pace becomes ever more hectic while we complete our holiday shopping and hurriedly put up our favorite holiday decorations. All the while, we expect electrical and heating systems to work without a hitch, and without emitting any carbon monoxide or fires. There are some basic steps you can take to help ensure your home is free from fires this winter. 

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Begin by taking care of your equipment. Have a licensed heating and air conditioning service company complete a full inspection and service of the heating systems where you live. If you’re in an apartment building, ask the building manager or landlord if an inspection is scheduled (even though it’s someone else’s property, you’re the one who will get cold if it fails some dark night. If you own a space heater, now is the time to service it as well. If a space heater is leaking exhaust or it won’t shut off automatically, then it is just as deadly as a malfunctioning furnace. Don’t wait until your furnace goes out to check the space heater! This is also the time to have a certified chimney sweep clean and inspect your fireplace and chimney. Always use a fireplace screen, and if children are around, be sure to use a child-guard screen. Remove ashes from the fireplace or indoor stove in a covered, metal container and deposit them in a non-combustible area at least three feet from anything that is combustible. Burn only seasoned, dry wood in either so there isn’t a pitch or sap buildup in the chimney (a big cause of chimney fires).  

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Likewise, be sure you have smoke detectors inside each bed room or in the hall next to the bedroom entrance. These should be tested monthly and batteries replaced twice each year (changing them when the time changes are an easy way to do that). The smoke detectors themselves should be replaced every 10 years. In case you think this is an unnecessary drill, half of the 150 people lost to home fires would have been saved if smoke detectors had been present. Equally important are carbon monoxide detectors. Any time there is a fuel being burned (e.g., natural gas, wood, coal), some carbon monoxide (also known as CO) is part of the exhaust product. CO can kill within a few hours and is even more deadly because it is odorless and invisible. The CO detector should also be tested monthly and should have batteries replaced twice a year when you change the batteries in the smoke detectors.

If you use a portable heater, be sure it is well ventilated so there is no CO buildup. Place it so that it is at least three feet from any combustible item. Only purchase Underwriters‘ Laboratories (UL) listed appliances. If they become damaged, they should be repaired or replaced, including frayed electrical cords. Never use electrical extension cords with electrical space heaters. Always have an adult present when space heaters are used where children might be present. Always turn a space heater off whenever you are leaving or about to sleep. If you choose to use a portable generator, always situate it outside and a good distance from your home, garage or out-building. It will produce heat and CO, so distance is important (it should be placed away from building vents as well because vents and air intakes will bring that CO into the home if it is close). If you choose to connect a portable generator to your home’s electrical system, be sure to purchase a machine that is designed for this and arrange for a licensed electrician to install it.

No discussion of winter and holiday fire prevention would be complete without saying something about candles. If you can avoid lighting candles, by all means do so! Using them on trees and around combustibles (i.e., anything that burns) is only asking for trouble! If you use candles in a holiday celebration, keep them away from decorations, live greens and wrapping paper or anything else that will burn. Use them only with adult supervision. Matches and lighters should be kept out of reach of children. Place candles in a sturdy, non-combustible candle holder so that the candle doesn’t tip over. Never leave candles burning when you leave or go to bed.

Holiday fire prevention is especially important. For more information on that topic, please refer to our individual articles on those topics.

Every home should have a UL listed fire extinguisher, and adults and older children should know how to use it in the event of fire. It’s pretty simple really: Simply pull the pin, aim the nozzle at the base of the fire and pull the trigger in bursts (you can empty most units in less than a minute with a constant pull on the trigger) while sweeping the unit from side to side across the fire.

Finally, develop a fire escape plan for your family. Make it as simple as possible, and rehearse it with all family members. Be sure to include everyone in your plan. Babies, small children, the disabled and the elderly may not be able to exit on their own.

So, making sure your home is properly outfitted and the equipment is maintained will be a good first step. Use special care with candles. Know how to use your fire extinguisher and practice your evacuation plan. Pay special attention to holiday fire safety. There you are; have fun this winter.

 

Offshore Banking – The Essential Guide to Opening an Offshore Bank Account

Lets start by taking a look at the required features of an Offshore Banking Account:

  • It should be completely tax-free
  • It should have online account access
  • It should come with an offshore debit or prepaid card

These are the most basic things that you need in an offshore account, but the number of offshore banks or agents that do not offer this is shocking. Without a card to withdraw funds or up-to-date online account access for your offshore banking you are stuck in the dark ages. If you actually want to use the offshore account, look for these fundamental features.  

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There are also optional features to enhance your privacy and profit

  • The offshore bank account should be in the name of a tax free offshore company. This is not a foolproof measure by any means but its more private than directly opening the account in your name
  • The bank should offer interest bearing accounts BUT be wary of high interest offshore checking accounts. If it looks too good to be true it probably is, which brings us to the next topic.. 

    offshore company

Offshore Bank

It’s always good to research your bank thoroughly. Since the financial crisis it has become of paramount importance to choose a bank that has liquidity. If its reserve ratio (percentage of depositors‘ bank balances it has on hand) is as low as most US and EU banks think carefully. The bank should not be lending out 100 times the money it actually has, much less if it’s a shell bank in an offshore jurisdiction with little regulation.

Opening an account in an offshore tax haven can provide greater privacy, if the bank is not owned by an institution in a high-tax country. But at the end of the day you are putting yourself at risk. The US Patriot Act has stopped these institutions from operating effectively and they find it difficult to offer quality debit card or trading features because they are licensed by countries on financial blacklists. You will find it hard to make transactions with third parties and the offshore account may even end up being frozen because the bank is assumed to be a front for criminal activities.

Furthermore, the EU Savings Tax Directive requires that any bank in the EU or its dependencies must report customer income on their savings accounts to their home country or pay a withholding tax. This directive includes a host of offshore jurisdictions like the Channel Islands, Isle of Man and the Cayman Islands among others. Other European countries that are not full members of the EU like Andorra and even Switzerland are also bound by this directive. If you are an EU citizen it’s suicidal to open an offshore account in one of these countries.

What about the big international banks, are they safe and trustworthy? Although they are safer than shell banks, there’s two pressing reasons not to go through a big international bank like HSBC or Barclays.

1. Even if your actual bank account is in an offshore haven, it will be a subsidiary of the main bank who will be forced to give up your confidential information on request from the high-tax government in your home country. Here’s a case in point that happened in the Turks and Caicos Islands some years ago. A very large and well-known international bank, with many „offshore“ branches had information in its Turks and Caicos Islands bank that was sought by the United States government. They were unable to get a subpoena in the courts of the Turks and Caicos Islands because of their bank secrecy laws. So instead, the US Federal Court in New York imposed a fine on their New York bank of $100,000 per day until the information was surrendered–the bank rolled over in about three days.

2. Liquidity. Although officially highly regulated many big onshore banks are lending much more than they actually own, or speculating with your money. If they get it wrong you may not be able to access your account for a period because they don’t have the funds, or at worst you lose a percentage or the entirety of your deposit. Small professionally run banks do not generally experience these difficulties.

Right so let’s run through the Offshore Bank checklist:

1. Small – definitely not a multinational

2. No correspondent account in USD

3. High reserve requirement

4. Outside of the EU if you are an EU citizen

5. Reputable, i.e. not in any traditional offshore jurisdiction

Banks which pass this checklist and the Offshore Bank Account Checklist above tend to be located within Europe, but not affected by the EU Savings Tax Directive. However, the world economic and political climate is liable to change, and as it changes the safe options to keep your money tax-free will change accordingly.