Occupational Health: Core Areas of Knowledge and Competence, Part 2

OHA’s can contribute by helping managers to manage sickness absence more effectively. The nurse may be involved in helping to train line managers and supervisors in how to best use the OH service, in how to refer staff, what type of information will be required, what to expect from occupational health. By developing transparent referral procedures, ensuring that medical confidentiality is maintained and that the workers’ rights are respected the OHA can do much to ensure that employees referred for assessment due to sickness absence are comfortable with the process.OH nurses, with their close relationship with workers, knowledge of the working environment and trends in ill-health in the company are often in a good position to advise management on preventing sickness absence. In my experience referral to General Practitioners have a limited use for work related issues, and gain best results by as well as keeping the GP aware, referring to a specialist occupational physician.Planned rehabilitation strategies, can help to ensure safe return to work for employees who have been absent from work due to ill-health or injury. The nurse is often the key person in the rehabilitation programme who will, with the manager and individual employee, complete a risk assessment, devise the rehabilitation programme, monitor progress and communicate with the individual, the OH physician and the line manager. Nurses have also become involved in introducing proactive rehabilitation strategies that aim to detect early changes in health before such conditions result in absence from work. Improving and sustaining working ability benefits many groups, the individual, the organization and society, as costly absence and other health care costs are avoided.In many cases the OH nurse has to work within the organization as the clients advocate in order ensuring that managers appreciate fully the value of improving the health of the workforce. OH nurses have the skills necessary to undertake this work and may develop areas of special interest.The occupational health nurse may develop pro-active strategies to help the workforce maintain or restore their work ability. New workers, older workers, women returning to work following pregnancy or workers who have been unemployed for a prolonged period of time may all benefit from health advice or a planned programme of work hardening exercises to help maintain or restore their work ability even before any health problems arise. Increasingly the problems faced by industry are of a psychosocial nature and these can be even more complex and costly to deal with. OH nurses, working at the company level, are in a good position to give advice to management on strategies that can be adopted to improve the psycho-social health and wellbeing of workers.Health and safetyThe OHA can have a role to play in developing health and safety strategies. Where large, or high risk, organizations have their own in-house health and safety specialists the OHA can work closely with these specialists to ensure that the nurses expertise in health, risk assessment, health surveillance and environmental health management is fully utilized into the health and safety strategy. Occupational health nurses are trained in health and safety legislation, risk management and the control of workplace health hazards and can therefore make a useful contribution to the overall management of health and safety at work, with particular emphasis on ‘health’ risk assessment.Hazard identificationThe nurse often has close contact with the workers and is aware of changes to the working environment. Because of the nurses expertise in the effects of work on health they are in a good position to be involved in hazard identification. Hazards may arise due to new processes or working practices or may arise out of informal changes to existing processes and working practices that the nurse can readily identify and assess the likely risk from. This activity requires and pre-supposed regular and frequent work place visits by the occupational health nurse to maintain an up to date knowledge and awareness of working processes and practices.Risk assessmentLegislation in Europe is increasingly being driven by a risk management approach. OHA’s are trained in risk assessment and risk management strategies and, depending upon their level of expertise and the level of complexity involved in the risk assessment, the nurse can undertake risk assessments or contribute towards the risk assessment working closely with other specialists.Advice on control strategiesHaving been involved in the hazard identification and risk assessment the occupational health nurse can, within the limits of their education and training, provide advice and information on appropriate control strategies, including health surveillance, risk communication, monitoring and on the evaluation of control strategies.Research and the use of evidence based practiceSpecialist OHA’s utilize research findings from a wide range of disciplines, including nursing, toxicology, psychology, environmental health and public health in their daily practice. The principal requirement for an occupational health nurse in practice is that they have the skills to read and critically assess research findings from these different disciplines and to be able to incorporate the findings into evidence based approach to their practice. Research in nursing is already well established and there is a small, but growing, body of evidence being created by occupational health nursing researchers who investigate occupational health nursing practices. OHA’s should ensure that they have access to and the skills necessary to base their practice on the best available evidence. At the company level occupational health nurses may be involved in producing management reports on for example sickness absence trends, accident statistics, assessment of health promotion needs and in evaluating the delivery of services, the effectiveness of occupational health interventions. Research skills and the ability to transfer knowledge and information from published research to practice is an important aspect of the role.EthicsOHA’s, along with other health, environment and safety professionals in the workplace health team, are in a privileged position in society. They have access to personal and medical information relating to employees in the company that would not be available to any other group. Society has imposed, by law, additional responsibilities on clinical professionals to protect and safeguard the interest of patients. The ethical standards for each discipline are set and enforced by each of the professional bodies. Breaches of these codes of conduct can result in the professional being removed from the register and prevented for practicing. Nurses have a long and well-respected tradition in society of upholding the trust placed in them by patients. This level of trust in the occupational health nurse’s professional integrity means that employees feel that they can be open, honest and share information with the nurse in the confidence that the information will not be used for other purposes. This allows the nurse to practice much more effectively than would ever be possible if that trust was not there. The protection of personal information enables a trusted relationship between employees and the nurse to be developed and facilitates optimum working relationships and partnership. The International Commission on Occupational Health (ICOH) has published useful guidance on ethics for occupational health professionals’. This guidance is summarized below “Occupational Health Practice must be performed according to the highest professional standards and ethical principles. Occupational health professionals must serve the health and social wellbeing of the workers, individually and collectively. They also contribute to environmental and community health the obligations of occupational health professionals include protecting the life and the health of the worker, respecting human dignity and promoting the highest ethical principles in occupational health policies and programs. Integrity in professional conduct, impartiality and the protection of confidentiality of health data and the privacy of workers are part of these obligations. Occupational health professionals are experts who must enjoy full professional independence in the execution of their functions. They must acquire and maintain the competence necessary for their duties and require conditions which allow them to carry out their tasks according to good practice and professional ethics.”

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The Psychology of Entertainment

On the private and public forms of entertainment and the psychological mechanisms in entertainment Entertainment has many dimensions and could be personal/private or more general and public forms of entertainment. When we play with our mates that is a personal form of entertainment and when we sit and watch a movie on the screen that is a more general form of entertainment as we are sharing the experience with many others. There are some differences in our perception of private and public forms of entertainment as personal entertainment will always be based on personal experiences, our personal worldview and will be determined by personal interactions.The more general and public forms of entertainment are less interactive and there seems to be this basic contradiction as all personal forms of entertainment are more interactive and public forms of entertainment are more personal and private. This scenario has been changing with television programs increasing audience participation in the program however interaction patterns between entertainers and viewers in any public entertainment scenario remain within strict limits and boundaries.Entertainment takes us to a different world and feeds our need for fantasy and an escape from real life. This is especially true for entertainment that is more public or provided by the media and entertainment provided by films, theatre, music, and all forms of creative art. Films and theatre transposes us to a world of fantasy and grabs our attention so we remain engrossed as almost a part of this alternative reality. Entertainment could also be in the form of magazine stories and gossip or even celebrity culture and the psychology of entertainment could also explain the extreme craze of celebrity culture that we have in the modern world.Celebrities seem to open up a world of fantasies and for some people knowing every move of celebrities could bring immense satisfaction as it would almost mean participating in fantasies. Fantasies help in overcoming frustrations and serve as therapeutic as they aid in the escape from realities of life. Real emotions and real life are stressful and entertainment helps us to move beyond real life and moments of stress to participate in fantasies that are soothing as we do not have to be directly involved in these fantasies and yet as spectators we can still participate in a tacit or passive manner.Participation in any book, film or creative art is almost like sitting on a reclining chair that has the technology to soothe your muscles while you relax. In the case of entertainment we participate almost in a passive manner and although we may be very alert and awake in the process of watching a movie, entertainment gives us the illusion of non participation as we don’t have the opportunity to get voluntarily involved in the scenario. Anything that gives us some form of pleasure could be considered as entertainment although entertainment could also give us pain as when we cry when we get emotionally involved with characters while we watch a movie.Entertainment could trigger emotional involvement and emotional reactions such as happiness, sorrow, anxiety, fear and despite these strong emotional participation, there is little or no physical activity necessary on the part of the viewer. This active-passive process is the main attraction of entertainment as entertainment enables us to be both active (in terms of emotion) and passive (in terms of physical or voluntary mental involvement). Entertainment means like films are influential yet they influence subtly rather than aggressively and this subtle influence seems to work better on the human mind than any aggressive forms of influence. We see work as duty and entertainment as pleasure although both involve some form of emotional involvement. Work at the same time requires voluntary participation, decision making and physical involvement along with emotional involvement.Yet why is work perceived as something heavy and entertainment as methods of relaxation? The answer is unpredictability. In case of entertainment, in most cases we may not even know what to expect from a movie or a music video. This unpredictability triggers our interest as we are unable to predict what emotional states would be evoked during this mental adventure. Entertainment is usually a form of mental and emotional adventure. In cases where we do know what a movie is about, it is the feeling of emotional familiarity that drives us to experience what we already know. Suppose a video game gave us a pleasurable feeling or evoked aggression and competitiveness in us, we go back to feel the same emotion as it was pleasurable or exciting. Stretched too far these forms of entertainment could easily become addictive.Coming back to the distinction of work and entertainment or play, work involves responsibility and despite the emotional involvement in entertainment, apart from being a passive participant, we do not have to be responsible for anything, there is no problem solving or decision making and that is how entertainment in all its form is so pleasurable as the right brain activities of decision making and the cortical regions of the brain are not activated completely yet the pleasure sensations and emotions such as the hypothalamus and left brain activities are usually activated so we tend to associated entertainment with emotions rather than problem solving and decision making.We humans are rational beings and yet emotions still seem to rule our lives and form the core of our existence as emotions still draw us to do things that may be irrational. Entertainment being primarily emotion provoking rather than reason provoking has a major impact on people’s lives. Appreciating any forms of entertainment could switch from the stages of interest to emotional involvement and finally addiction. The celebrity culture is a direct result of the last stages of appreciation for entertainment.An interest in celebrities comes from emotional involvement with characters in movies and there may be substantial lack of differentiating fantasy and reality so fans of celebrities are more in love with the characters these celebrities play or the traits they project rather than the personality of celebrities. The celebrity culture seems to take people to a persistent fantasy world and individuals are seen as discussing all aspects of celebrities from their shoes to their hairstyle to the cars they possess. This sort of culture could however be explained with individual need to escape reality and identify with someone in a fantasy world and would be an important element in the study of fantasy.The study of entertainment brings out many psychological aspects of active-passive participation in emotional or mental adventure and these could be1. Identification – Viewers often identify with characters in movies or figures in art and this strong identification helps explain the value of entertainment. Young children have seen to imitate film stars as they begin identifying with movie characters.2. Fantasy – Entertainment feeds on the need for fantasy in people and provides an escape route from the real world. Addiction to entertainment could be the basis of reality anxiety in people.3. Projection – Individuals tend to project their own emotions or state of mind on to a painting or a song and could derive pleasure from this4. Regression – Entertainment could often remind individuals of their past or a part of their own life they may have forgotten and in some cases bring out the child in them. For example when older people enjoy video games, it brings back their childhood and they may become addicted to this sort of entertainment.5. Sublimation – Entertainment is also a form of sublimation of our impulsive desires and this especially true when we participate in entertainment as in the interpretation of art6. Displacement – In non participative and passive forms of entertainment, individuals tend to escape from reality and displace their emotions from real people to characters in movies. For example a teenager in love with a girl whom he cannot attain may fall in love with a character of a movie who may have similarities with his dream girl.All of the above processes are ego defense mechanisms delineated by Freud and the interplay of so many defense mechanisms in entertainment suggest that entertainment is more than simply a source of pleasure and could trigger complex psychological processes in the human mind. More research would be required in this field of psychology for a complete understanding of the advantages or disadvantages of entertainment in modern society.From Reflections in Psychology – Saberi Roy

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Sports Arbitrage – A Path to Regular Risk Free Profits – Learn More

Sports arbitrage bettingArbitrage sports betting is a proven way to get regular risk free profits from the massive online fixed odds betting market. In a way it’s like a swoop and scoop of regular small profits from pitting one fixed odds bookmaker against another.Sports arbitrage betting takes it’s origins from arbitrage trading in financial markets. In financial markets an arbitrage trade exploits the difference in the price of a listed company on a stock market in different countries. Sports arbitrage trading is where someone regularly trades price inconsistencies between fixed odds bookmakers on the same sporting event. After all bookmakers are only human and they make mistakes. These mistakes can be exploited by someone who wants to spot them.In truth a lot of fixed odds bookmakers don’t want you to know this information….but sports arbitrage betting is legal and doesn’t harm the bookmakers business in any case. The returns you can expect from sports arbitrage trading are limited only by the fixed odds bookmakers who cap the stake size. The only investment needed with a ‘sport arb’ is your betting stake, which as you’ll learn is totally guaranteed. What sort of budget should I start with for sports arbitrage trading?Well, this is your decision. Depending on your level of experience we would suggest free sport arbitrage betting with the free bets available from online fixed odds bookmakers. You can increase your budget with your level of confidence. The winnings with sport arbitrage trading can be added to your bank. If you decided to invest a percentage of you bank each time your stake and you profit will increase accordingly.How do bookmakers lose their money?Sports arbitrage trading is all about spotting inconsistencies between different bookmakers’ prices that regularly exist.  As a result of mistakes by fixed odds bookmakers an under round occurs. An under round forms the basis of a sports arbitrage bet. Simply the under round is when the total number of probabilities priced by the odds on that event are below 100%. A typical under round is where you would have to invest £96 to get the bookmaker to pay you £100.  Using this example a sports arbitrage bet would give you a return of 4%. You can expect a return of around 4% for sports arbitrage bets.  Sometimes you will get more than 4%.Sports arbitrage bets win regardless of the outcome of the event without any need for expert knowledge of sports betting or sports. This is one of the reasons sports arbitrage betting has a popular following.There are two sides to any fixed odds bet, back and lay. Sports arbitrage bets come as back / back bets or back / lay bets.Lets have a look at how these sports arbitrage bets might look.   Back / back sports arbitrageIn the week of October 7th there were many arbs between 3% and up 9.17% for the European Championship Qualifiers played that week. Several of these sport arb opportunities lasted longer than normal because of the massive amount of interest in the games.An example of one sport arb that week is given below: -Poland Vs Latvia You could bet: – Latvia at 15.0 with Bet365 or Eurobet The Draw at 7.0 Luvbet Poland at 1.35 with several bookmakers including Unibet.com and Nordicbet.com. The odds have been converted to a percentage to make it easier to visualize.By splitting your total stake Poland 77.951%, Draw 15.033% and Latvia 7.016% you would guarantee a profit of 5.23% regardless of the outcome of the match.i.e.Poland 77.951 x 1.35 = 105.23 Draw 15.033 x 7 = 105.23 Latvia 7.016 x 15 = 105.23Why do these pricing inconsistencies or under round prices occur?As bookmakers can now operate online, there are now hundreds of online fixed odds bookmakers. They are all competing with one another and are located in various countries and time zones. To be the person who actually prices a particular sportsbook you have to have a massive amount of knowledge of that sport. To compete, fixed odds bookmakers offer loads of sports in their sportsbook, but there isn’t the expertise to cover every sport. They may have the relevant stats but they can’t possibly know every participant and every event. In short mistakes can and do happen. Taking this into account and the difference in time zones you get hundreds of opportunities for sports arbitrage trading every week.Take two examples. When England play soccer most bets with UK bookmakers will be supporting England. Bookmakers may offer the opposition at an inflated price to create a balanced book.A typical week with four golf tournaments and a couple of tennis events bookmakers may have to price up 800 or so outright odds plus over 400 matches just in these two sports alone. We only need two bookmakers from the many available to have a difference of opinion in one of these markets to create an opportunity.Back / lay sports arbitrage bettingYou can also find a sport arb between the back and lay price (win / lose) for the event.   Back / lay sports arbitrage betting has been made easier due to betting exchanges like Betfair. A betting exchange allows members to lay an event (e.g. for a horse to lose). A back / lay sports arbitrage bet occurs when the price offered by a bookmaker is higher than the lay price available on a betting exchange for the same selection. The difference between the two represents your profit.  Often a bookmaker can be slow to change the price on a favourite when something has happened to reduce the odds. As the price drops on the betting exchange you profit by laying low with the betting exchange and backing high with the bookmaker.How do we find sports arbitrage bets?Finding sports arbitrage bets can be time consuming. Spotting them is relatively easy. You just convert the opposing odds on an event to a percentage and see if they add up to less than 100%.Instead of trawling odds comparison sites we recommend using one of the sports arbitrage services which are available. These companies use software to search for sports arbitrage bets for you. What is the first step to successful sports arbitrage trading?Sports arbitrage opportunities can spring up anywhere; a fixed odds bookmaker in the USA, UK, Europe or Australia. The first step is to open an account with a selection of online fixed odds bookmakers. There are some specific bookmakers who suit sports arbitrage betting because they allow a high stake size.  As you’ll learn it is important to have a bookmaker who allows a high stake when you consider you are making around 4% on each sports arbitrage bet. How do I set up a sports arbitrage bet once I have opened by fixed odds bookmaker account?When you know which fixed odds bookmakers are presenting a sports arbitrage opportunity log into your account with each bookmaker. Have the fixed odds betting terminal of each bookmaker open in a separate browser window. Enter your stake in each one. Click confirm quickly one after the other and you sports arbitrage risk free profit is secured.

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Get Affordable Home Insurance in Calgary

There are many reasons to get home insurance in Calgary. First of all, you want to make sure your house, cottage, or tenancy is covered for damage, theft, and flooding. Secondly, you want to know if you are overpaying for home insurance, and if you are, you want to know if you have access to a more affordable insurer. We can help you connect with a live insurance broker who will give you the information you need to insure your house in Calgary. You can also request a quote from at least 10 Canadian home insurers, so you can compare rates.Typical Home Insurance Premiums
Home protection prices are different for rented and owned properties. Tenants insurance for rented homes covers the basic contents of a house and some liability (you may need a separate policy for fine art, wine collections, furs, and other expensive, atypical items). Tenants insurance is often cheaper than homeowners insurance.Homeowners insurance covers the building and its exterior, as well as risks connected to theft, fire, earthquake, etc. Since the value of the building is much higher than the contents of a rented unit, homeowners insurance premiums are significantly higher than are the premiums for tenants insurance.In order to have a broader picture of home insurance rates in Canada, here are statistics of the average home rates in Alberta, Ontario, British Columbia, and Canada. These statistics are provided by InsurEye.In Alberta, monthly house insurance rates are typically $84 for homeowners and $49 for renters.In Ontario, monthly home insurance rates are typically $78 for homeowners and $42 for renters.In British Columbia, monthly home protection rates are typically $85 for homeowners and $47 for renters.Across Canada, monthly home insurance rates are typically $77 for homeowners and $41 for renters.Examples of Calgary Home Insurance Quotes
Home insurance quotes in Calgary depend on the size of a building, its location, and possible risks (like flooding). The following examples of house insurance quotes will help you better understand how much home insurance can potentially cost you:· For a 2,800 square foot, two-storey house in Calgary, in the neighbourhood of Altadore near River Park, expect approximately $98 monthly ($1,176 a year).· For an 850 square foot, two-bedroom condominium on the 12th floor in downtown Calgary, next to Central Memorial Park, the insurance costs are approximately $23 a month ($276 a year).· For a one-storey house in Calgary, in the Mount Pleasant neighbourhood, located close to 4th St NW and the Trans-Canada Highway, the insurance is approximately $62 monthly ($744 a year).Flooding Coverage for Homes in Calgary
Since Calgary often sees flooding, every homeowner should be prepared for the possibility of this risk and should understand the main aspects of home protection and flooding. One thing you should keep in mind is that home protection in the flood-endangered areas of the city is more expensive because of the much higher risk.There are four main types of flooding. It is important to remember that your home insurance policy treats each of them differently:1. Overland flooding occurs as a consequence of water (rain or melting snow) entering your house from the outdoors. Standard insurance in Calgary does not cover expenses from overland flooding. However, some companies do provide coverage for this type of flooding at an additional cost.2. Roof leakage can be covered or not covered, depending on the factors that caused it. If the roof was in poor condition from the beginning, your insurance provider will not cover the damage. Your home insurance will most likely cover damage from a natural cause, like hail.3. Your insurer will cover plumbing issues, only if you comply with the rules in your policy, such as having somebody visit your home while you are not there for extended periods of time (for example, while you are on vacation).4. Sewer backup happens when wastewater is driven back into your house. Traditional home protection does not cover this type of flooding. However, you can always purchase this type of coverage as an addition to your home insurance policy.The Difference Between Condo and Tenants Insurance in Calgary
Owners of condos can purchase homeowners insurance for their condo. The condominium corporation purchases commercial condo insurance. The difference between these two policies is in what part of the condo they cover. The homeowners insurance covers the contents of the condominium. The coverage also includes protection for upgrades, locker contents, third party liability, theft, additional living expenses, and sometimes special insurance assessments.The commercial condominium corporation’s insurance covers the building’s exterior (envelope), together with its infrastructure and common areas.Condo renters in Calgary need tenants insurance to cover the contents of their condos. This type of protection is usually mandatory and is part of the rental contract. In addition to the coverage of contents against theft, fire, and other hazards, the insurance also extends to third party liability and additional living expenses. Living expenses are for the cases when the condo is unlivable (due to earthquake, flood, fire, etc.), so the renter is forced to live in a hotel or rental unit until the condo repairs are complete.10 Ways to Save on Home Insurance in Calgary
Here are a few ways to save on your home coverage. For more savings, get an insurance quote and contact an insurance expert.1. Professional membership. Members of unions or professional organizations can get a discount on their home insurance. Insurance companies, like Meloche Monnex Insurance, also provide their members with insurance policies.2. Hydrant or fire station. If your home is close to one of these things, you can ask for a discount from your insurance provider.3. Discounts for students. Some insurance providers give discounts for students. As for dependent students who live alone, their parent’s home insurance may cover the insurance on their apartment at no additional charge. For example, Desjardins Insurance provides this discount.4. Discounts for graduates. TD Insurance is an example of an insurer that offers discounts for graduates from post-secondary institutions like McGill University or the University of Toronto.5. Quit smoking. Many insurance companies increase home protection premiums for smokers due to the potential fire risk.6. Change your policy. Those with tenant insurance should rethink the size of their coverage – perhaps some things that do not have much value do not need additional coverage.7. Security of your home. Does your home have additional security, like a doorman or security guard? This might get you a discount from your insurance provider.8. Direct insurer. Also called a captive agent, a direct insurer represents one company and can offer their products for a cheaper price when compared to insurance agents or brokers.9. Consumer reviews. Other home insurance consumers often share their experiences of purchasing insurance and making claims. Thanks to these insights, you will be able to avoid unexpected costs and overpayment.10. Compare prices. You can get home insurance quote in Calgary for a cheaper price thanks to the price comparison tools that show you the rates of the same services provided by different insurance companies.

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3 Easy Ways To Increase Sales For Your Small Business

Having started my business career using the more traditional bricks and mortar business route I know only too well how difficult it can be to increase sales for a small business. Sadly, nowadays it is even harder for local businesses to survive as more and more of us opt for the more convenient route of ordering our goods online… But are there any “tactics” that small businesses can employ to lure more of us to buy their goods or services?Mobile Marketing-Promoting To The ConvertedMany local businesses miss out “big time” as they waste too much valuable time and resources chasing new customers when the real money (and consistent income) comes from marketing to existing customers. After all, people who have already bought from you will already be aware of the quality of your product or service and providing that the buying experience that they had with you was good, then chances are that they will buy from you again and even encourage others to buy from you as well… They just need a little prompt or reminder that you are still open for business.One of the easiest and most instant ways to promote to existing customers is to use mobile marketing. Let’s be honest most of us now carry our mobiles with us 24 hours a day and more texts are opened straight away than any other form of communication.Indeed, most of us now provide a mobile phone number as our first point of contact as opposed to the more traditional landline contact number. Therefore all you small business owners out there need to make a point of storing these valuable mobile numbers and start using them to promote your business via a cheap text messages. Don’t worry of you don’t know how to get started as there are affordable training packages out there that will show you step by step how to set a mobile marketing campaign.The best way to achieve instant results for your business by using this method is to promote an offer or a promotion. Let’s be honest we all like a bargain so simply offering, for example, a free glass of wine to customers who book a table at your restaurant on a quiet evening will help to attract more business. Even though it will cost you a glass of wine, you will more than make up for it by filling empty tables with paying customers.Mobile marketing can benefit other small businesses too including texting appointment reminders for businesses like dentists or doctors, luring people into car showrooms via Bluetooth messages, promoting special offer up sells for businesses like beauticians or health spas. There are endless benefits that using mobile marketing as part of your local business marketing can offer, not least of all that it’s cheap, quick and offers instant results.What Is A Business Without A Good Website?I am amazed by how many local businesses are still not online. Given the ever growing popularity of the internet, small business that are not promoting their business online are losing out on massive income potential and are passing that business onto other business savvy owners instead.Creating a website for your business does not have to cost a fortune… In fact some websites even offer free templates that you can use. You then simply need to purchase a domain name and some hosting for your website. If you lack the confidence or knowledge to do this yourself, there are websites out there that offer a way of outsourcing this task to others quite cheaply, simply check out outsourcing sites for that offer that type of service. Often you can put a bid on the outsourcing websites that will invite people to bid for the work. This can be a great way of getting the best value for your money.Again, there are training packages available that offer step by step training on the best ways to create a website for you business together with the cheapest ways to drive traffic to the website including how to get onto page 1 of Google.Without a doubt, regardless of what small business you own, it is vital to have a good internet presence to ensure consistent sales for your business.Business Blogs- Seeing The Bigger PictureIt’s often quite challenging to persuade small businesses to start blogging. They fail to realise that writing a blog can significantly increase sales for their business; most sadly fail to see the bigger picture.Blogging takes time but if you are consistent, your business will begin to see dramatic results. Blogging for your business can help you to connect with people, especially if you are careful to write in a style that is unique to you and that you offer valuable content. If you are careful to offer useful advice within you blog, then you will help to promote yourself as an expert who people can trust, which will result in the reader buying from you rather than your competitor. It doesn’t matter what business you own, whether you’re a dog trainer, a piano teacher, a shop owner or a driving instructor, writing a blog can offer an affordable and fun way of getting your business noticed.You can then drive traffic to your business blog by sharing the link to your blog on social media sites like Facebook, Twitter and Pinterest. There are also opportunities available, (for a small monthly fee) for small businesses to use existing high ranking blogging sites to promote their business.These are the 3 ways that I personally consider to be the most effective way to increase sales for your small business. They are methods that I have personally used, with success, within all of my businesses as they are affordable and create instant results.

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Automotive Category – Franchise Options Considered

The United States is a nation of automobiles. In fact there are more cars, trucks, buses and motorcycles in the country than there are people. That is a lot of vehicles, and perhaps, it is for this reason that owning an automotive based business makes so much sense. And a car or truck franchise business might be an option for you if you are considering starting your own business in the automotive, trucking or transportation industry?The great thing about having an automotive franchise is you know there will always be customers. Americans have fallen in love with their automobiles and they are willing to spend money on them. Not only money that they must spend from time to time on repairs or maintenance, but also a good chunk of their elective expenditures or their play money. Did you know that the aftermarket auto accessory business is well over $100 Billion Dollars per year in the United States alone?Sounds as if that is a pretty good market and not a bad industry to own a franchise business either. If you are someone that likes cars or has been around the transportation business all your life, then perhaps you need to take a good hard look at the automotive category when searching for potential franchises. Now you must realize that just because a company is offering an automotive franchise does not mean it is an automatic profit maker.You see, all franchise companies are different and some have more potential than others. This is why I always recommend to do due diligence and find the right automotive franchise for you and one that fits your budget. For instance, if you wish to put together a large franchise business in the automotive sector such as a full maintenance garage you could be easily looking and $0.5 million, or you may be able to get into a Mobile Service Automotive Franchise for under 100,000 dollars. So, you can see there is a big difference in the automotive franchise offerings that are available.

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What Types of Property Qualify For Commercial Loan Modification?

Commercial loan modification for business related or income producing properties is an option that is often overlooked. Those frantically trying to restructure their finances are generally worried about the family home – not realizing that modification can also save their business. Many types of companies could easily qualify for relief such as a refinance, extension, lower interest rate or even a complete restructuring of the loan.Qualifying properties may fall into one or more of the following categories:- Residential properties that produce income, such as single family properties, most multi family units and mobile home communities- Commercial properties that produce income such as storage units, bowling alleys, car washes, or auto/service stations- Retail properties that produce income, such as gas stations, convenience stores, groceries and markets- Properties housing a food service establishment (bars, saloons, cafeterias, restaurants and can catering companies)- Properties housing health care facilities (hospitals, hospice, nursing homes, assisted living, doctor or dental offices, health spas and daycare centers)- Mixed use properties, anchored and unanchored retail centers, office buildings and space, and flagged or un-flagged hospitality properties- Industrial properties (light, medium or heavy) warehouses, manufacturing structures, and industrial condos- Religious or educational properties such as schools / educational facilities, churches (mosques, synagogues, temples, etc), and not for profit 501(c)3 charitiesIn addition to these, some properties are considered on a case by case basis:- Properties housing entertainment, such as sporting arenas or facilities, theme or amusement parks, or venues with non-structural interior poles used for adult entertainment shows.- Properties used for recreational purposes, such as golf courses, marinas, campgrounds, RV parks and retreats- Agricultural properties and property that is vacant or owned by a real estate or mortgage company, financial institution, or title or escrow companyProperty located outside the US, involved in bankruptcy, undeveloped, under construction or in the process of being rehabilitated are not eligible for commercial loan modification. Neither are timeshares, dealerships, or properties financed under an SBA, USDA, B&I 7(a) or FFE programs. Some state specific exclusions may also apply.

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How Cryptocurrency Trading Software Is Helping To Grow Your Crypto Platform

The cryptocurrency trading software package is an integrated system to manage all aspects of cryptocurrency trading platform like all kinds of crypto buy, sell, exchange, lending, MLM & affiliate management, converting, live market comparison & analyzing etc.

Important features you should consider:

Buy, Sell And Exchange: Nishue is the impressive trading management system offers a smooth and secure methodology for your users to effortlessly Buy, Sell and exchange cryptocurrencies.

Lending system management: This system is completely brokering friendly has a system to manage Crypto lending service, like create manage offers, maintain and moderation etc

Unique Admin Module: Nishue contains a secure and advanced Admin Module for you to control your Cryptocurrency exchange end-to-end.

Separate customer profile: Separate customer profile module that helps your users to easily track and check all Open deposit or withdraw orders, Records, Transactions etc. on just a click.

MLM & affiliate management: This marketing ready automation tools facilitate to manage your level wise affiliate commission, contribution history, and documents.
Market comparison & Converter: Two additional system has been integrated for live Crypto Comparison, Conversion & Depth analysis.

How Cryptocurrency Trading Software Is Helping To Grow Your Crypto Platform:

Coin Deposit & Withdraw: Crypto trader need to maintain enormous Deposit and Withdraw request daily. Trading software aid to manage your activity with its auto set algorithm.

Coin Package & Lending offer: Keep your various coin package and lending offer at the fingers end of your customer. You can create, manage and advertise your offer using a well-designed package.

Level wise commission: If you follow the MLM strategy to reward your respective participants, and worried about set their commission? OK, It is ready to auto calculate their level wise commission.

Notification & Risk management: Every crypto trading platform must arrange push notification system to keep itself and its client up to date about many alarming issues thus help eliminate risk. In this case, a system project is totally perfect.

Multiple Payment Gateway: You can Integrate your cryptocurrency wallet, Local currency, Payeer Even Mobile Banking system as a Payment method within this software to make your transaction hassle free.

Daily, Weekly & Monthly ROI: Are you worried about maintaining ROI as per you said. This cryptocurrency trading management software can auto calculate ROI, commission, and others as per your given instruction.

Free Responsive Website: It must have integrated a fully responsive, SEO optimized dynamic website with our system and it is totally free. It will help you to manage your enterprise smoothly.

Crypto Comparison, Conversion & Depth analysis: Crypto live market cap & coin convertor two addition system has been integrated for live Crypto Comparison, Conversion & Depth analysis

100% secured System: A trading software is designed after having highly security issue in mind. Secured Integer framework, two-factor authentication, and much other security systems have been applied in this cryptocurrency trading software.

The absolute package exclusively for spot cryptocurrency trading that allows users to trade Bitcoin, Bitcoin Cash, Ethereum and Litecoin through Coinbase. Built upon the same technology that powers the Nishue software, It incorporates proven market-leading tools developed over 25 years to provide both professional and active cryptocurrency traders with a better experience than what’s currently offered by other crypto-only trading solutions.

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Tips to Choose the Best Crypto Signal Service

If you keep an eye on the market, crypto trading can be profitable for you. However, you may find it hard at times. Fortunately, if you need assistance, you can give a go to crypto signal services. The signals offered by them can be used to make the right decision, at the right time. You can choose from a lot of service providers. Given below are a few tips that can help you choose the right one. Read on to know more.

Service Quality

When opting for a service, quality is the number one factor to consider. Ideally, the trading platform should have an awesome success rate as far as predictions are concerned. Aside from this, it should provide relevant impulses so you can get a better idea of the market trends and trades.

Moreover, you should be able to receive the signal promptly so you can make the right moves. The service provider should be able to generate signals as fast as possible.

Reliability

Keep in mind that the service should be reliable as you are going to make your trade decisions based on their guidance. Hence, you might want to opt for a service that you can depend on. This is the only way to make the right choice and be on the safe side.

What you need to do is hire the services of a provider who is legitimate. You are going to consult expert traders, not an automated software program.

Free Trial

How can you find out if a provider is genuine? The best way is to give a go to their service. Many providers offer a free trial service. This is true even if you are going to hire any service, not just crypt trading.

The trial service will allow you to find out if the service is reliable. Once you have tested the service, you can go ahead and pay for it for a long-term.

Pricing

After the trial period expires, you will have to pay for the service. Here it’s important to keep in mind that providers who offer crypto signals for free of charge may not be reliable. In the same way, you might not want to pay a lot of money for the trial period either. As a matter of fact, the price of packages should be fair so you can enjoy the service without breaking the bank. So, you might want to do your homework to get the right service without spending a good deal of money.

Support

Although it’s great if their support is available round the clock, the important thing is to get the right information at the right time. They should be able to answer your questions until you are satisfied.

Without reliable customer support, you can’t benefit from the crypto signal service the way you should.

In short, if you are going to hire the service of a crypto signal service, we suggest that you follow the tips given in this article. This way you can make the right choice.

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Crypto Currency Vs Fiat Currency

Crypto currency vs. Fiat currency

Are you aware of the fiat currencies and the crypto currencies? They both are currencies in one form or the other and are open for public use across the world. But they are both different and distinct in their own ways. There is always one group that favors the use of cryptos, while the other has a soft corner for the fiat currencies.

In cashless society- crypto money play a huge role

If you have a look at the market of the 1970s and 1980s, you will find that the cash played the dominant role. But, with the change in the technology, electronic transactions have become the usual norm. Today, more and more people are influenced in becoming the cashless society. With the progress towards the cashless society, cryptocurrencies have a big role to play.

Crypto currency and fiat currency are always at loggerheads

Cryptocurrency and fiat currency are popular types of digital currency, especially when it is about an online transaction. They both are currencies currently in use in the market but have some differences in them. There is a hell lot of hypes that you will hear on a daily basis comparing the crypto money and the fiat money. This article will highlight the difference between the two in a more comprehensive and clear manner.

Differentiating in what the currencies stand for

Before going for the difference between the two, you must understand what do they stand for and how are they are defined.

The fiat currency is a legal tender that has the support of the central government, and it operates in the physical form. For instance, US dollars, British Pounds, Euro etc. On the other hand, the crypto currency is a non-legal tender, and doesn’t have any backup from the central government or bank.
Hence, the difference between crypto currency and fiat currency is noted as follows:

• Crypto-currencies are decentralized and global in nature. There are no one entity or government that controls the currency with their laws and regulations. The Fiat currency is centralized, under the control of the laws and regulations of the banks and government.

• Crypto-currencies have their existence only in the digital domain. On the other hand, you will find that the fiat currencies have a tangible and physical existence.

• There is a limited supply of crypto-currencies with a maximum set of them getting supplied in the market. Whereas, the fiat money has an unlimited supply as the government and bank are entitled to produce coins and paper money whenever the situation is required.

• The Bitcoin and other crypto type currencies are created by the computers, while the fiat currencies are issued by the local government and the banks.

• Cryptocurrencies are presented as the public and private code pieces. On the other hand, the fiat currencies are presented in the form of coins and paper money.

• The value of the crypto currencies is not recognized by the supply and demand of the market. Whereas, the fiat currency value is determined by the market regulations of supply and demand.

The different types of crypto and fiat currencies

In the last one decade, the popularity of crypto type currencies has emerged as a huge success. It was in 2009, when Bitcoin was first introduced, and years after several other types of crypto currencies have emerged. Starting from Litecoin. Dogecoin, Ripple to the Dcash and Zcash, there is a plethora of them. On the other hand, the fiat currency has a rich and ancient roots, with the Great British Pound, that dates back to 775 AD. It is considered as the oldest currency in the world that is still in use.

The differences in the anonymity between the two currencies

When you are using the fiat currencies, you need to undergo a user identification or verification process. You are asked to upload a recent picture of yourself and some of the required documents to be issued as per the public authorities. You don’t need to undergo any of the required processes with the crypto currencies. Though your personal information and confidential details don’t get public, but all your transactions are recorded and tracked in both the fiat and the crypto currencies.

Fiat currency vs crypto currency: transparency level

• The transparency level with the crypto type currencies are considered to be more. This is because the revenue streams are displayed in a public chain. Everyone can witness their own and others’ transactions.

• The fiat or govt. currencies are not transparent, as there are not public chains to see the revenue streams of the people.

A comparative historical roots

If you compare the crypto money with that of its counterpart, fiat or government currency, you will find that their existence and creation brings the difference. The Fiat or government currency, dates back its existence as early as 775 AD with the introduction of the Great British Pound. This is why fiat type currency is easily accepted by the people all over.

On the other hand, the crypto coin was perhaps first introduced only a decade ago, with the introduction of Bitcoin in 2009. The challenge that the Bitcoin and other crypto currencies face is catching up with the immense popularity and increasing fan base of the fiat currency. Crypto currency, is no doubt gaining importance and popularity in the economic market, but it has still not been accepted widely in the society as the fiat currency.

A comparative history of the two currencies:

• It was in the 11th century, when the Chinese Song dynasty was perhaps the first one to issue the paper money. It was not allowed to exchange with valuables like gold and silver or silk.

• There were Tally sticks that were introduced as a fiat or government currency. 1100 Tally sticks were introduced as a combat for the shortages in gold.

• 1971, was the year, when the fiat currency received a worldwide recognition. President Nixon introduced it in order to eliminate the dollar pegging system to gold.

• It was in 1998, when the idea of an anonymous electronic cash system emerged by Wei Dai. Bitgold-the very first crypto currency was created by Nick Szabo, but it didn’t receive as much attention as Bitcoin.

• In 2009, Bitcoin was introduced in the market, that became the first crypto currency that was accepted across the globe. In 2011 and after, a series of several other crypto currencies were introduced. Some of the popular ones include, Litecoin, Dogecoin, Ethereum, Ripple, Zcash, Dash and so on.

The traits of both the currencies

The potential of the crypto type currencies and fiat currencies, accessing their traits is important. You will find that in some of the criteria, Bitcoin and other crypto currency is superior than the fiat or government currency, and in some cases, the latter surpasses. It is absolutely your call to choose the type of currency (crypto type currency or fiat type currency) based on your personal needs and requirements.

Let us compare their traits with respect to certain factors.

• Both the crypto coins and fiat type currencies are interchangeable in nature.

• As per the portability is concerned both the currencies secure more or less the same position.

• With respect to the non consumable criteria, crypto currency and fiat type currency have the equal status.

• Crypto type currencies have high durability as compared to the fiat-currencies that have moderate level of durability.

• Both the crypto or virtual currencies and the fiat or government currencies ensure secure and safeguarded transactions and exchange.

• Crypto or digital currencies are highly divisible in nature. On the other hand, the fiat type currencies are moderately divisible.

• In terms of the transaction process, the crypto currencies are easy and hassle free. Whereas, on the other hand, the traction process associated with the fiat currencies are easy, but not like the cryptos.

• The crypto based currencies are decentralized and global in nature, unlike the fiat currencies that are centralized and functions under the laws and regulations of the government.

• The crypto based currencies have high scarcity, where as, the fiat currencies are unlimited as the government can issue coins and paper money whenever there is a need.

• The crypto based currencies are based on mathematical algorithms, and are programmable. The fiat currencies are not at all programmable.

• The fiat currencies are sovereign in nature, while the crypto currencies are not.

The process of the functioning of the currencies

You can find the significant differences between the crypto or digital currencies and the fiat currencies with the way they both operate and the transaction process that take place. They are contrasting in nature. The transfer of money using the Bitcoin is very quick, and you absolutely don’t need any third party association.

On the other hand, if you are involved with the money exchange using Fiat type currency, a mobile wallet is in use. You can exchange an amount of e-money that gets transferred into the equal e-value amount. Both the fiat and the crypto currencies enable you to purchase everything that you desire. But the processes involved are absolutely distinct from each other.

Depending on the things you purchase, you will find that one currency form is better than the other. This is absolutely your choice.

Is Bitcoin, a crypto currency better than the fiat-currency?

The long term benefits and the capability of the Bitcoins is still not established. But it has been predicted by the crypto currency gurus and experts, that they will go a long way, especially revolutionizing the way the online transactions are done. In the current market, the Bitcoin is mainly included in the online casinos and the gambling, but it is not limited to it.

Furthermore, when you compare the fiat currencies, the Bitcoin allows you to seize the power and authority from the banks and the government since it is not controlled. The cryptography based currency has the capability to create or come up with the free market capitals. Fiat currencies are affected by the inflation and the changes in the market, unlike the crypto based currencies. Such aspects make individuals believe that cryptograph based currencies will soon take over the mainstream currencies and bring a transformation in the way the money is used.

Why is Bitcoins considered to be a better aspect than the fiat type currencies?

• Bitcoin gives you the opportunity to re-create a free market capitalism.

• The power of controlling the money is absolutely with the individuals, and not with the banks like the fiat type currencies.

• When there is an inflation, the Bitcoin is not affected. But the Fiat type currency will be easier to lose and get affected by it.

• The Bitcoin currency is easy easier to exchange and transfer as compared to the fiat or government currencies.

• The transaction fees involved with the Bitcoin are way cheaper and easily affordable.

Crypto currencies seem to be a favorable option among the people

The fiat type currencies are the centralized and legal way of exchanging money. But, the crypto currencies have acquired immense popularity in the past few years. There will never be anyone who would act as a middle man, like the case with the banks. Moreover, the cryptos are way cheaper and less expensive that the conventional fiat currencies.

Send money anywhere directly without waiting for the bank’s approval

You can send money to anyone in the world directly, and it is super fast. The money gets cleared within a few minutes time. You don’t have to wait for the traditional clearing and verification processes of the banking systems, which might take up to several days to get a clearance. Since it is decentralized and doesn’t come under the law and regulations of the government, nobody has any power to do anything with your account.

The blockchain technology has a very big role to play

Thanks to the crypto currencies, that gives us the power and the authority to become our very own bank, and take control over our finances. It is because of the blockchain technology that offers a higher level of sophistication while dealing with the finances. In fact, there are some mainstream financial industries that have started incorporating the idea of the technology.

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