Category: General (Page 1 of 6)

What is My Aesthetic Style?

What is your aesthetic? Aesthetic esthetics is a field of study that deals largely with the subjective nature of taste and beauty, and the culture and philosophy behind art. It studies aesthetic values most commonly expressed through personal judgments of aesthetic beauty. It also studies the history of ideas about aesthetic beauty, and the societal construction of those values.

The field of aesthetics is actually the first field of study in object theory. In object theory, aesthetic value is defined by what it does to the human body, rather than by what it makes the human body look like. Thus, aesthetics is a more complex field of study than is science because it requires that we explain what an object actually does to us, and what it can do to us. Thus, we need to take into account the many different influences on aesthetic appeal, including culture, fashion, technology, politics, advertising, literature, and other social media. The more these different influences are studied and accounted for, the more accurate our definitions of aesthetic taste and style become.

One way to learn about aesthetic value is to take a quiz on a popular fashion magazine or website. A quiz will give you an idea of how influential designers and brands are on your own aesthetic tastes and values. For instance, if you are interested in hip hop clothing, you might find that the clothes that designers are putting out have a distinct urban flavor to them. On the other hand, if you are interested in elegant minimalism, then you might not be able to connect certain designers’ styles to your own taste. Quizzes like this allow you to get a quick snapshot of the contemporary aesthetic style of the moment, helping you make your own judgments about style and fashion.

Another way to get an idea of your aesthetic preferences is to examine the ways in which you communicate about them. Do you talk about your aesthetic preferences in essays, journal articles, blog posts, on your MySpace page, or do you simply pass them off as a casual observation? If you think about how you talk about style and aesthetics in your communications, you might notice that you often use words that also synonymously describe personal attributes, such as calm, collected, sophisticated, and so on. An example of a language that describes your aesthetic preferences in this way might be “My tastes in interior design are much like my favorite coffee shop in San Francisco – I am always calm and collected there.”

Aesthetics can also be defined by what is my favorite color. Color can speak a great deal about a person’s personality, as it can be a deep register of emotion. Thus, the intensity and the vibrancy of your favorite color may tell you a great deal about what is your artistic style. What is your favorite color may be completely different than your mother’s favorite color or it may just be a preference that you learned from your parents when you were young. You might even have a favorite color that matches your personality quite well.

What is my aesthetic style is an aesthetics quiz for every one of us. We all can identify with at least some degree of it. The more you can internalize it the easier it will become to communicate it in our communication. What is my favorite color is not just a question that you can answer without thinking, but rather a tool that can give you insight into your personality and what kind of life you want to lead. An aesthetically-inclined person may have a soft girl persona, a hard girl persona, a sensitive girl persona, a geeky girl persona, and so on.

These are the top benefits of internet marketing for SMEs

Internet marketing is crucial because it aligns a business with ways that consumers consider before and after buying products/services online. Analytical studies show that increasing numbers of people use social media as well as research on mobile Internet to conduct preliminary price comparison and product research before making final purchases.

Internet marketing allows you to establish relationships with your prospects and customers with everyday, low-cost, personalized communication. To reap the benefits of Internet marketing, you must hire Ram Digital, one of the leading digital marketing agencies.

The convenience of internet marketing

Internet marketing lets you operate around all times, without having to worry about store opening hours or making overtime payments for employees. Making your goods available on the Internet is extremely practical to customers. Customers can browse your online store any time and place orders whenever they are at their most convenient.

No need of product localization

Through marketing via the Internet, it is possible to overcome obstacles of distance. You can sell your goods to any area of the nation without having a local store. You could also establish an export business without having to hire distributors across various countries. If you plan export your products internationally you must employ localization services to make sure that your product is suitable for local markets and complies with local regulations for business. Localization services include translation as well as modification of products.

Cost of online marketing

Marketing your products via the Internet is less expensive than selling them in a physical retail outlet. You do not have the ongoing costs of renting property and maintenance. It is not necessary to buy stock to display in a shop. You can place orders according to the demand and keep your inventory costs at a minimal.

Personalization of offers

Internet marketing lets you customize your offer to your customers by creating an overview of their buying habits and patterns. Through tracking the pages on your website and product information that customers visit, you can offer specific offers that match their preferences. The data you gather from monitoring websites also gives you data to design cross-selling campaigns to increase your sales.

Relations with customers

The Internet offers a powerful platform to build connections with customers and increasing the level of customer retention. If a customer has bought an item from your store, you can start your relationship with them by sending a follow-up mail to confirm the purchase and then thank the buyer. Regularly emailing customers with offers that are personalized and special can help maintain the relationship. Customers can also be invited to write product reviews for your site, helping establish a sense of belonging.

A growing importance for social media

Internet marketing allows you to profit from the increasing significance of social media. The relationship between social media and the growth of online revenues is equivalent. You can profit from this kind of influence by including social media tools into your Internet marketing strategies. Once you know the favorite social media channel of your customers, it will be a matter of seconds to get their attention.

 

Why Teaching Children About the Constitution is Important

The Constitution is one of the most important pieces of American history. It has been around since 1787, and it still influences our laws today. One thing that people don’t realize about this document is how much it impacts children’s lives every day. This blog post will tell you nine reasons why teaching children about the Constitution is important, including how it helps them understand their rights as individuals.

1. To make Children Understand Their Rights

Children sometimes don’t understand their rights as an individual. The Constitution is a document that sets up what people are entitled to under the law. It sets up rules for how our government runs and defines who can do what in it. If children are aware of this, they also know what they can do within the United States. This makes it essential for every child in America to know what these rights are.

2. To Teach Children About the Importance of Democracy

Democracy is not the easiest way to be ruled, but it is the best system for people to work together and make their voices heard. It also encourages children’s participation because they know that they can do something if they feel like they are not being treated fairly. Since this method of government is based on majority rule, then everyone has a fair chance at having their voices heard.

3. To Make Children More Responsible

In order for people to take responsibility, they have to understand what is expected of them. For example, if someone believes that they are entitled to a say in how their country is run and what happens within it, they are more likely to participate because they feel as though they have made a choice. The Constitution is very important because it makes adults and children aware of how they can influence their government and what kind of actions they should take to make a difference.

4. It Teaches Children About How Laws Work

Laws are set up in order to bring justice. They help maintain peace amongst society and help people feel more comfortable with being in their community. When children are aware of laws, they better understand how to act within the law and if there are consequences for not following it. This makes them feel safer because they know what is expected of them.

5. It Maintains the Peace

If children are aware of laws, they are less likely to break them. There would be no chaos because people know what is expected of them and how to act within that frame. When society feels there is order, it makes them feel safer and more secure about where they live. This also keeps citizens from feeling as though they are being treated unfairly because there is a sense of fairness for all.

6. To Make Children Aware of How They Can Be Involved in Society

One important thing about the Constitution is that it lets everyone know their place and how to act within society. When children know this, they can feel as though they have a say in how they are treated and can take action if they feel there is a problem. This makes people more active within their community and makes them more aware of their power and how they can use it to make a difference within society.

7. To Teach Children the Importance of Accepting Diversity

It is important for people to accept diversity in order for society to grow. If children are exposed to different races, backgrounds, religions, etc., they will feel more comfortable with society’s looks and feelings. A great way to do this is by teaching them about the Constitution because it is one of the most important documents in making sure people are all equal under the law. This way, children can learn how to treat each other with respect and accept each other for their differences rather than trying to change them.

8. To Teach Children About Their Citizenship Rights

For people to feel as though they have a say, they need to know that they are citizens. Teaching children about the Constitution makes them more aware of their citizenship rights and how ‎to participate in democracy. It also lets them know what kind of actions they can take if they feel there is a problem with the way they are being treated.

9. To Teach Children the Government Structure

In order to have a successful government, children need to be aware of how it is structured and who has the power within it. This way, they can see people’s different positions and how those positions work together for a common goal. By knowing this, then children will feel as ‎if they are more involved in their community and have a better understanding of how to take action if they feel their government is not working properly.

Conclusion

The Constitution is one of the most important documents that people should be familiar with. Not only does it set up how people are governed in America, but it also lets everyone know what their citizenship rights are and how they can take action if they feel as ‎there is something wrong with the way they are being treated. When children learn about this document, they can feel more confident in themselves and how to stand up for what they believe in. It also makes them feel as though they have a say, which is an important aspect of our democracy that everyone should know about! Therefore, if your children are not taught about our constitution, it is the right time you make arrangement of teaching them.

What is a sleigh bed?

A sleigh bed is described by headboards and footboards that fold. They are also called volute beds because of their unmistakable plan. Sleigh beds are typically make from powerful and sturdy materials, made with luxurious borders that have been a well-known style joint for many years. An immortal choice, the contours of the sleigh beds, feel equally at home in contemporary planned rooms as they are close to a vintage stylistic theme, shaping the convergence point of any room.

The Hugo & Sons contours of the sleigh beds are proclaimed for their size and good taste. A special shape, conventional sleigh beds are larger than most different plans, and most models have huge side panels that reduce the hole under the bed. While this limit indicates additional space under the base, there are sleigh beds that can store areas located elsewhere, for example, drawers in the feet.

Types of Sleigh Bed Frames Available

The outlines of the sleigh bed were generally produced with heavy wood, which was cut to shape the fitted edges. Current developments have seen the plan get a revamped texture, with increasingly popular manufactured sleigh beds. Our scope includes both wood beds and upholstered styles to suit all preferences.

Wooden sleigh beds

The contours of the wooden sleigh bed are a natural bed plan that will not go out of style. Our strong wooden sleigh beds are made from quality pine and come in styles ranging from a light-shaded pine sleigh bed to the rich matte finish of our Otis model. There is also the alternative of choosing the ideal slat base type. Choose strong or spring braces, depending on how much help you need.

Upholstered sleigh beds

Textured sleigh beds add an extra layer of comfort, covering the edge with delicate manufactured materials. Our upholstered bed outlines are accessible as a faux fur cowhide option or a textured dark-produced sleigh bed. Both varieties include a nifty secret storage cabinet in the foot. These sleigh beds with capacity are made with a piece of furniture supported very deeply. Sleigh beds with drawers combine eye-catching style with useful capacity.

In what sizes are the sleigh beds available?

Our sleigh beds are accessible in our largest sizes, adding a rich touch to the standard and master rooms. From sovereign sleigh beds to super ruler beds, these massive housings are meant to enhance the style of the coolest rooms.

Small double

Our smallest double-size sleigh bed is designed for slightly smaller rooms. These sovereign-sized sleigh bed outlines measure 4 feet and are only accessible on our upholstered model.

Double

The double contours of the sleigh bed are famous among couples as they offer enough space to relax. At 4’6 “, the double bed size fits standard rooms and applies to our Otis sleigh and texture beds.

Extra big

A sleigh bed with a ruler is appropriate for the master bedrooms, as the extra size offers plenty of room to relax. The contours of our oversized sleigh bed measure 5ft and are featured in all alternatives, including the Kensington wood bed frame, which is only accessible in jumbo size.

Top Reasons to Start Medical Billing and Coding Course Online

Have you been searching for an effective way to make a difference in the medical industry without the critical involvement of hands-on interaction with patients? Medical coding and billing is a fast-growing segment of the industry that could be perfect for your next career move. In fact, the U.S. Bureau of Labor Statistics indicates that there may be a 22 percent growth rate in this segment between 2016 and 2026. More than that, certified professionals with industry experience may earn more than $54,000 annually.

What does it take to start your new career as a medical billing and coding specialist? You can conveniently study for the certification through medical coding and billing online classes. While there are live or in-person class options as well, there are exciting benefits that come with taking medical coding and billing online classes.

The Ability to Learn at Your Own Pace

Many individuals who would love to embark on an exciting career as a medical coding and billing specialist have other professional and personal responsibilities that may be holding them back. For example, you may not be able to quit your current job to attend classes full-time. Perhaps you have a family that you need to care for before and after your regular work hours. When you take classes online, you can proceed at your own pace.

Flexible Learning Times and Location

Finding time in your busy schedule to attend hours of classes each week away from your home can be a challenge. When you enroll in online classes, you can attend your class while sitting at your dining room table, while you are on your lunch break at work, or at any other time that is convenient for you. Rather than working your schedule around the class, you can work your school activities around your established schedule.

An Effective Way to Learn

Some people believe that they will not learn as well via an online course. However, a World Health Organization report has revealed that this is not the case. The effectiveness of online courses may stem from the wide range of educational materials available. For example, you may have access to audio and video methods online as well as chats with fellow students, interactions with your teachers and more. Plus, you may be less distracted and better able to concentrate when you study in a preferred area of your home rather than in a busy classroom.

Ideal for All Types of Learners

Medical coding and billing online classes are an effective educational solution for all types of learners. They may be just as well-suited for sensory or visual learners as they could be for auditory or kinesthetic learners because of the wide range of educational materials available. For example, some courses may have videos, images, interactive activities, online quizzes, and more available for you to utilize.

Up-to-Date Information

The healthcare industry changes rapidly. In fact, it can change so rapidly at times that educational materials may need to be updated and disbursed to students while they are in the middle of a course. Because an online course is entirely completed via connected devices, course content can be updated in real-time when the need arises. On the other hand, textbooks are often used in live classes. These educational materials may have been printed several years ago, so the information may not be current or entirely relevant.

A Future Resource

There may be many times as you progress through your courses when you need to review previous material. This enables you to reinforce your knowledge and to be more proficient in your future career. There may also be instances when you need to brush up on specific areas or topics after you obtain your certification. Some of the materials that you use in your online courses could be used as reference materials down the road.

An Affordable Education Option

One of the things that prevent people from pursuing a new career in the healthcare industry is the high cost of an education. In addition to paying for courses, some people may believe that they need to give up their current income to have time to study for a new career. Generally, online courses are a more affordable option than live or in-person courses. More than that, because you can continue working while you take online courses, you do not need to worry about living on a reduced income.

Building Up The Cigarette Brand Identity With The Right Packaging

The tobacco businesses are available in an excruciating amount and this percentage just keeps increasing with each passing day. In case you are interested in growing your brand, you must implement groundbreaking packaging that adds the distinguishing factor to the business and a brand. Truth be told, tobacco is no longer considered a product making people addicted to nicotine because it’s become a style statement for the users. 

That being said, the brand that’s trying to achieve the attention of such an audience, they cannot really afford to ignore the right packaging because it must strike with the users. It’s no secret that everyone wants access to the captivating cigarette boxes to up the business scale (the box must look in the user’s hand, right?). For this reason, you should opt for customized packaging because it delivers the unique points that captivate the audience and turn them into long-term customers. 

For this reason, tobacco brands need to design informative and exceptional packaging to ensure the sales funnel is expanding. That being said, there is a higher need for setting the highest quality standards because it’s crucial for protecting cigarettes. In case you are wondering about the protection now, the packaging companies often have the best stock options that promise protection while offering customization according to the products. 

It’s safe to say that cigarettes are the hottest and most-used items and who doesn’t love fresh packaging? The tobacco brands need to choose the packaging with the correct theme, shape, and robust design to ensure people keep hoarding on your cigarette products. With this article, we are sharing information about the must-have features in your cigarette packaging, so are you ready to change the dynamics of packaging?

Choosing The Right Packaging Company 

Before we start talking about the features of custom packaging for tobacco products, it’s essential to outline that you must choose the right packaging company. This is because the right and reliable packaging company can build and brand the packaging as you want. Some companies offer custom packaging because it’s designed according to the brand’s demands. It’s pretty obvious that the tobacco industry is expanding and there is a need for perfect packaging. 

For instance, it should have the right size, shape, and logo to ensure the packaging captivates the target audience. Personally, we suggest that you get the sample made before going full onboard with the packaging. The packaging needs to be designed with cardboard or kraft paper without compromising on the attention-grabbing factor. In addition, make sure that the packaging company is capacitated to fulfill the long-term as well as short-term orders in the best possible timeframe. 

In addition, when it comes down to choosing the packaging company, you should also consider their shipping charges (door-to-door charges). The packaging must be curated to be visually captivating because the correct packaging can make a huge difference through the creative outlook. That being said, the packaging companies can always show such creativity and make your cigarette products stand out with the unique packaging. 

Space 

When designing the packaging for cigarettes, it’s needless to say that enough space is important and it’s easy to do if you know how many cigarettes will be added to the box. Generally, it’s suggested to categorize the cigarette number in the first stage and then you can consider the adjustment of cigarettes properly into the packaging. Keep in mind that the cigarettes must be convenient to take out and put back into the box. 

The brands don’t understand this but the customers can always ditch your brand if they have too much difficulty in taking out the cigarette whenever they want to take a puff. So, while choosing the packaging dimensions, leave behind sufficient space, so they can smoke while performing other tasks, such as cooking and driving. 

Blank & Small Packaging 

When we look at the number of smokers, they keep increasing and the majority of them want smaller packaging because it’s portable and easy to carry around. So, if you switch to such small packaging, you must focus on the packaging that has an enhanced feel and look. This is because if the packaging isn’t refined, it can fly away the customers. The small packaging even has the capacity to enhance the product impact on the shelf while leaving behind a long-lasting impact. 

For this purpose, you can also put yourself in the customers’ shoes and consider what would catch your attention; you would obviously get the product that has a unique design, portable size, and captivating packaging along with a plethora of other factors. To illustrate, the majority of uses will pick up black from the crowd of red balls, so you should follow the same strategy. Last but not least, the packaging must be easy to use. 

Designs 

Design cannot be neglected while you are choosing the cigarette packaging and design needs to be different for an entire range. We suggest that opt for the most captivating and top-notch design, irrespective of the category. Keep in mind that the trendy and unique design will attract a wider customer base and these designs should have the capacity to attract the customers’ attention. For this purpose, you can choose between funky and vintage designs. 

As a brand, you must pay attention to the design because it needs to be creative. Also, let us tell you that if you aren’t following the trend with a unique point, it can cost you money and customers. So, just grab the customers and retain them. 

Quality Of Printing 

In case your printing isn’t top-notch and the contents and graphics aren’t flagrant enough, you are at the brink of losing the clients’ interests. Whichever images and graphics you choose, they must be enough to convince the customer base. Keep in mind that printing plays a crucial role in improving the feel and appearance of the products. As a brand, you should choose the best printing capacities to enjoy the packaging experience.

What is Blockchain? – Everything You Should Know!

Blockchain is a distributed, unchangeable ledger that makes recording transactions and monitoring assets in a corporate network easier. An asset can be tangible (a home, vehicle, land, or cash) or intangible (intellectual property, patents, copyrights, branding). On a blockchain network, virtually anything of value may be monitored and sold, lowering risk and cutting costs for all parties involved.

There is a certain amount of trust associated with blockchain technology. The improved security, more transparency, and rapid traceability of blockchain are the foundations of this trust. Beyond issues of trust, blockchains offer a slew of other economic advantages, such as cost-saving via greater speed, efficiency, and automation. Blockchain decreases overhead and transaction costs by drastically decreasing paperwork and mistakes. It also reduces or eliminates the need for third parties or middlemen to validate transactions.

What is Blockchain?

Blockchain is a method of storing data in such a manner that it is difficult or impossible to alter, hack, or defraud it.

A blockchain is a digital log of transactions that is copied and distributed throughout the blockchain’s network of computer systems. Each block on the chain comprises a number of transactions, and whenever a new transaction happens on the blockchain, a record of that transaction is added to the ledger of each participant. Distributed Ledger Technology (DLT) is a decentralized database that is controlled by numerous members.

According to CryptoNewsZ, A blockchain is a form of distributed ledger technology in which transactions are recorded using a hash, which is an immutable cryptographic signature.

This implies that if a single block in a chain is altered, it will be immediately evident that the chain has been tampered with. Hackers would have to modify every block in the chain, across all distributed copies of the chain, if they intended to damage a blockchain system.

Blockchains like Bitcoin and Ethereum are constantly expanding as new blocks are added to the chain, increasing the security of the ledger substantially.

How Does Blockchain Work?

Blockchain transactions work in a rather simple and straightforward manner. The process is not very complicated and even a layman will not find it very hard to comprehend. The setup of blockchain transactions is mentioned below.

  1. The first step of a blockchain transaction is someone requesting a transaction involving contracts, cryptocurrency, records, or some other information.
  2. With the help that nodes provide the transaction that has been requested is broadcasted through a network of P2P.
  3. The nodes’ network validates the status of the user and the transactions with the help of certain algorithms.
  4. Once that transaction has been completed, the newly created blockchain is then added to the previously existing one. In this way, it becomes unalterable and permanent.

Benefits of Blockchain:

There are a number of benefits that blockchain offers. Some of the benefits of blockchain technology are mentioned below.

  1. Blockchain offers a higher level of accuracy by eliminating human involvement in the process of verification. 
  2. Since blockchain technology does not require any involvement from third parties, the cost is also reduced. 
  3. The aspect of decentralization also makes it more secure and rather difficult to mess with.
  4. The transactions made are very safe and secure in nature.

Uses in Industries:

Although Bitcoin’s prominence helped to illustrate blockchain’s use in banking, entrepreneurs have come to feel the technology has the potential to change a wide range of sectors. The application of a transparent, verifiable register of transaction data is essentially limitless — especially since blockchains function on a decentralized platform with no need for central oversight, making them fraud-resistant.

According to blockchain news, Companies are raising awareness of blockchain technology in industries ranging from infrastructure to public policy as they utilize it to create more openness and authenticity across the digital information ecosystem.

Some of the industries that can be hugely benefited by blockchain technology are services related to finance, infrastructure, mobility and travel, healthcare, retail and CPG, public sector, entertainment, mining and agriculture, information service, education and communication, and various other industries. 

Advantages & Disadvantages:

Despite its intricacy, blockchain’s potential as a decentralized record-keeping system is nearly limitless. Blockchain technology may have uses beyond those listed above, ranging from increased user privacy and security to reduced processing fees and fewer mistakes. However, there are certain drawbacks.

Advantages:

  1. The transactions made on blockchain are extremely secure, efficient, and private.
  2. The chances of error are less in blockchain technology because of the elimination of human involvement. 
  3. For people of countries with insecure or undeveloped governments, blockchain provides a financial option and a method to safeguard personal information.
  4. The blockchain system is extremely transparent and the chances of hidden scams or fraud are almost zero. 

Disadvantages:

  1. The cost associated with blockchain technology is quite significant as it comes with mining bitcoins. 
  2. The rate of transactions per second is low on blockchain technology.
  3. The issue of regulation is a major one in this sector, which often contributes to the disadvantages of blockchain.
  4. Blockchain also has a proven history of being used in illegal activities and that is another downside of this technology. 

Conclusion:

Keeping in mind all the hype that blockchain is getting, it can be safely said that blockchain technology deserves the hype. Given the number of advantages that it offers to its users, it is no wonder that more and more people are becoming interested in knowing and understanding blockchain technology.

A number of industries will be hugely benefited if blockchain technology is used on a larger scale. The chances of mistakes will be reduced and there will be less human involvement in the process of transitions and that would ensure a smoother process and experience for the users. 

However, a user should gain enough knowledge and understanding about how blockchains work before hopping into the blockchain train. 

 

Why Do Investors Choose an ETF?

ETFs or Exchange Traded Funds were created for investors to enjoy the best features of both mutual funds and stocks. These are relatively modern investment instruments compared to mutual funds which are familiar to all through ages. So long, mutual funds have provided investors with manifold advantages like daily liquidity, broad diversification of portfolio, and professional management of funds. But ETFs have taken these traditional advantages several notches up, which account for their increasing popularity today. 

When you know the etf stock definition, knowing about their advantages also will help you make an informed decision.

So, why do investors prefer ETFs? 

There can be various reasons for this, but some of the most pertinent and vital ones are –

Lower expenses

All managed funds involve operating costs regardless of their structure. These are generally administrative, custody, distribution, marketing, and portfolio management costs. ETFs generally involve lower costs compared to mutual funds, and these expenses can also be streamlined significantly.

Lower costs of ETFs are mainly because the fund administrative expenses for client-service are shifted on to brokerage firms holding their customer accounts and securities. Besides, expenses involved are also lower for monthly notifications, statements, and transfers. In case of mutual funds, investors must be supplied with monthly and annual statements and reports of the funds’ performances and other important details. But that is not the case with ETF companies, which automatically reduce their overheads. Most importantly, the nonexistence of mutual funds redemption charges further reduces the involved expenditure of ETFs. 

Tax benefits

Owing to their structural differences, mutual funds investors typically incur higher taxes on capital gains than ETF investors. And the capital gains tax is carried on throughout the entire tenure of mutual funds investment. But for ETFs, capital gains tax is payable only at the time of sale of that ETF. So this is one major tax benefit provided by ETFs that mutual funds cannot offer.

ETFs issue two types of dividends – unqualified and qualified dividends. For the dividend to be qualified, the investor has to hold the ETF for at least 60 days before the payout date for the dividend. The rate of capital gains tax for qualified dividends is usually in the 5 to 15% range and depends on the income tax rate of the investor. In the case of unqualified dividends, the tax rate is the same as the income tax rate of the investor. 

Flexible trading 

Open-end mutual funds can only be traded once per day after the regular market session is over, and all trading activities are carried out with the company issuing mutual funds. While trading once in a day works for the majority of long-term investors, it becomes a limitation to many others who seek greater flexibility. ETFs offer that flexibility to investors.

You can buy or sell ETFs on the same day when the stock market is open and transactions are almost instantaneous. The price of ETFs is also consistent during the regular exchange hours. As an investor, you will know immediately how much you have paid or gained from buying or selling ETFs. This is an added advantage if you want to engage in intraday trading since it makes fund management smooth. Plus, the flexibility in trade orders is hugely beneficial in making timely investment decisions. And you can reorganize your investment portfolio between particular asset classes like bonds, commodities, or stocks. This level of flexibility is not possible with mutual funds investment.

Diversifying portfolio and managing risks

ETFs offer that quick exposure to a wide range of market segments that investors often want for diversifying their investment portfolio. Nowadays, ETFs are available across all main asset classes, currencies, and commodities which makes it easier for investors with different investment plans and outlooks. With ETFs, you can purchase or sell stock market based on its volatility, or invest continuously in global currencies with the best returns. Also, if there is a potential risk in a specific sector, you can short trade your ETFs in that sector, to minimize your risk. You can also purchase an ETF that shorts that sector for you. 

Given these solid benefits, if you want to make a cost-effective investment that is also safe and flexible, nothing can beat ETFs. 

What Should You Eat As A Student?

We all know that health and wellbeing are two of the most important cornerstones in life. This has been something that has been very apparent from the moment that we were first introduced to the world and it is something that many individuals are still incorporating in an active work in progress into their own lives. What really works spectacularly well for one individual in terms of forming and maintaining healthy habits can be highly ineffective if not entirely and effective for others. As such, there is a lot of importance placed upon finding what works for you and figuring out the best possible ways to be able to maintain the approach with health and wellbeing that is going to be able to be built upon and further improved and enhanced as time goes on throughout your life.

The role that diet plays in quality of life

Think of diet, for instance. The role that one’s diet plays in their quality of life is instrumental. The saying you are what you eat has been said many times and while there is some leniency, it is very much true that foods and fluids that we fuel our bodies with have a direct and ongoing impact on the quality of life that we are able to enjoy. When we fuel ourselves with healthy and fresh produce and clean water, our bodies inevitably thank us. And when we choose to eat processed foods and sugary drinks, our bodies react accordingly. Human beings were literally designed to be hunters,gatherers, and wanderers and so it makes all the sense in the world that the human body is able to process natural foods and fluids really efficiently however they are not able to do the same for processed foods and fluids.

An international healthy habit with a core role

Around the globe, this is an international healthy habit with a core role in how we are able to enjoy and get the most out of our lives. For each and every individual, the approach towards healthy eating is something that is very individual and completely reliant on their own circumstances and requirements for their bodies and minds. time in a game, it has been proven that the role that your diet plays is something that is absolutely crucial to the way that we are able to enjoy life and get the most out of our lives as well as being able to work towards ensuring that we are able to be around for as long as possible.

What should you eat as a student?

For students across the board and around the globe, there are many different ways to approach healthy eating. And when it comes to understanding what you should eat as a student, it is about knowing that sometimes making the decision to invest in meal prep delivery services is better  been playing it by every week simply because sometimes the schedule associated with being a student can be overwhelming and it can be easier to reach for the easiest thing in the cupboard or the fridge, which is not always the healthiest thing. Creative, convenient and efficient ways to be able to rely on and create healthy habits with your food as a student is a great way to be able to build healthy habits that you can maintain during even the most challenging and chaotic times of your life well after you graduate.

The Basics of Cyber Security

What started off as an innovation to quench curiosity has today turned out to be the threat of all times to all internet users, businesses, and individuals alike. In November 1988 at Cornell University in the U.S. New York state, a computer science student put in much effort and sleepless nights into a project that would create the first computer worm. What Robert Morris did not know is that, contrary to his good intentions, the self-replicating program gone wrong that he released onto the internet would turn out into a denial of service (DoS) that spread to about 10% of the computers in the ARPANET network, the internet network at the time. This represented about 60,000 computers and as such, was regarded as a massive attack worth $10-$100 million dollars in recovery costs. 

To date, the number of data breaches has gone up every year. From stealing customer banking data to hacking government websites to leak information, it seems that there is a stronger resolve by dubious groups and individuals to cause harm. While this single event might have inspired the awareness and introduction to cybersecurity, cybersecurity has become a great concern for businesses in the digital era. 

What is cybersecurity? 

Cybersecurity, also known as electronic information or information technology security, refers to the deliberate protection of the internet-connected networks and ensuring that all systems within the networks and the data contained in them are safe from both internal and external attacks. Within a network are computers, servers, systems and applications, information, mobile devices, and others. 

Cybersecurity comprises tools and technologies, processes and procedures, and best practices that are employed to ensure that the network is secured from threats. Cyber threats come in many versions, including unauthorized access, alteration, deletion, destruction, disablement, disruption, and extortion of an organization’s systems, information, and ultimately its operations. Thus a good cybersecurity strategy is one that enhances the integrity and confidentiality of a business’ information systems and data.  

Why is cybersecurity important?

In years to come, it has been estimated that cybercrime will cost the world trillions of dollars. Businesses have suffered massive setbacks, and some even shut down as a result of cyberattacks. Owing to this, every organization should accord cybersecurity utmost priority to prevent loss of finances, clientele, and on the whole, loss of business. 

Firstly, there is wider access to the internet, and massive volumes of data are being generated now more than ever. To cyberpunks, this presents an opportunity to reinvent their tactics to become smarter at their game. This calls for a proactive, comprehensive approach to cybersecurity. 

Secondly, cybersecurity safeguards the personal information of users and customers as well as the systems used to transmit such information. Government agencies, healthcare, financial, and retail industries are some of the biggest custodians of sensitive data, including personal data, financial data, intellectual property, and more that are usually the target of cyberattacks. 

Top 5 of cybersecurity threats 

Cyberthreats come in several forms. To address the cybersecurity concerns holistically, it is important to be aware of the different types of threats that exist. However, before looking at the types of cyberthreats, let’s first understand the difference between a cyberattack, a cybercrime, and cyberterrorism. 

A cyberattack refers to malicious access to a network, computer system, or other connected devices with the aim of disrupting, disabling, exposing, destroying, or stealing information. Many times cyberwars and cyberterrorism started off as a cyberattack.  

A cybercrime, on the other hand, is a criminal activity carried out online through a computer, connected device, or network. 

Cyberterrorism, usually politically initiated, is the use of information systems or technology to cause grave disruptions or panic in society.  

Here are different types of cybersecurity threats.

  • Malware: Short for Malicious software is a program aimed at disrupting or harming a computer user. This could include viruses, spyware, ransomware, and Trojans usually transmitted as email attachments that users download to their computers.  

In June 2010, the 500-kb Stuxnet malware infected around 14 industrial sites in Iran in a three-phase attack. From Microsoft OS computers and networks, then to Siemens Step 7 systems used for programming industrial control systems, and on to logic controllers. Stuxnet is reported to have destroyed many centrifuges in the Natanz uranium enrichment facility in Iran.  

  • Social engineering attack is an attack that targets social interaction to gain unauthorized access to valuable information by tricking victims into taking certain actions. Social engineering attacks broadly cover a number of threats. The most common form of social engineering attack is phishing which in 2020 alone accounted for up to 90% of enterprise breaches. Others include  
  • Scareware
  • Quid pro quo 
  • Tailgating 
  • Pretexting 
  • Baiting 

In 2019, Toyota Boshoku Corporation suffered losses to the tune of $37 million after falling victim to a business email compromise that swayed its finance executive to update a new bank account information for its recipient account.  

  • Distributed denial of service attack (DDoS). Cybercriminals use this technique when they intend to deny legitimate users of a system, network, or online service by overloading them with more traffic than they can handle. This prevents normal operations of the systems, ultimately stopping an organization from delivering services. 
    • A man-in-the-middle attack is a type of attack that intercepts data transmission or communication between two terminals pretending to be legitimate participants with the aim of obtaining the data being transferred. 
  • SQL injection is a type of attack that targets databases and is common in this era of big data. Attackers gain control of and/or steal data from databases by taking advantage of their vulnerabilities. 

Steps to developing a solid cybersecurity strategy 

A good cybersecurity strategy will help organizations prevent damage costs associated with cyberattacks. Certainly, the damages as a result of these attacks go far beyond financial loss to loss of customer trust and reduced business economic value.  

Organizations can take the following steps to mitigate cybersecurity risks. 

  • Awareness 

It may not be enough to have policies and good practices. Part of implementing a good cybersecurity strategy is creating awareness of risks and of the measures put in place to mitigate the risks. Also, training and educating all employees and system users about following the policies is essential. This ensures that the policies put in place are not merely a set of rules but a culture and best practices that everyone can identify with. Training should be practical and include simulations for them to be effective. 

  • Mitigation of risks 

Risk management encompasses asset management, identity management, threat management, access management, and security controls. Running risk assessments from time to time helps identify risks and vulnerabilities within the systems, networks, servers, and others while also projecting the impact of such risks occurring. Risk assessments include vulnerability scans and penetration testing. 

  • Data management 

Effective data management involves identifying and organizing all data under the custody of the organization, evaluating access and access rights for different groups of people or individuals, and establishing proper access controls. 

  • Incident management and disaster recovery 

Incident management refers to the policies and procedures put in place to respond to risks whenever they occur. This should come with measures that can be taken to ensure business recovery and continuity in the event of a cybersecurity incident. This final step requires proper planning and involvement of the right stakeholders. 

 

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