Arts Entertainments

Perseverance, the great substitute for talent

Too often perseverance, the great substitute for talent, is overlooked. Many people fail to achieve their goal, not because they are not talented, but because they are not disciplined. The wonderful news is that you can clearly be good at anything you put your mind to. It just won’t be easy or fast.

Do you believe in yourself? Are you willing to keep moving forward, even when the going gets tough? Do you feel that you deserve a better tomorrow? Can you stick with your goal long enough to be great?

You must realize that perseverance to put into work is what will separate you from others. Therefore, you must see yourself right now as malleable, capable of becoming whatever you want to be. And if you can find within yourself the discipline to stay long enough, you can really become extraordinary.

Everyone looks at a person with innate talent as if they have something magical. They want to be like them. But this gift is not something that is often beneficial because no matter what talent or gift someone has, it is only the beginning.

“Perseverance is a great substitute for talent.” – Steve Martin

Perseverance and talent

Even if someone has the talent or gets an early victory; And that! If that person leaves you, you have more perseverance, more courage, work harder than them; then you will get over them in a long enough time. Determination is a great substitute for becoming an expert.

And the only thing I can guarantee is that the talent can be surpassed by someone else. So unless you become great for your heart and soul, someone else will. When you don’t take days off, but rather dedicate yourself to it as if your life depended on it; You are on your way. Only when you act like this do you have a chance to achieve greatness.

“The pressure can break pipes, but it can also produce diamonds.” – Robert Horry

Therefore, you must want things to be difficult and not seek the easy life. Also, you can’t wait, wait, or pray that you will discover some hidden talent within you that will make things easier for you. It sounds crazy, but instead go the hard way and keep perseverance on your ally.

Have enough perseverance

By doing so, it will turn you into something great. Because when it’s easy, you don’t really work for it, you don’t push. Therefore, you are outdone by the other person, who has to give it his all. They are willing to give blood, sweat and tears to become what they want it to be.

Also, they are so angry and motivated that they were never given any talents or anything. And with that chip on their shoulders, they are determined to become whatever they set out to do. Remember ‘Rocky’. So whether you have the talent or not, the only thing that matters is: will you have enough perseverance?

“The world breaks everyone, and then many are stronger in the broken places.” – Ernest Hemingway

Overcoming barriers

But then why not all of them? It may depend on the strategies you use. There is nothing that is happening to you that you cannot overcome. If you turn inward, I’m sure you can find a reason to be persistent, overcome the barrier in your path, and put those pieces back together. I’ve done it so many times in my life, so you can too.

However, it is literally all up to you if you are going to sit around and wallow. ‘What happened’ happened and there is no way to retract it. But how you respond is a choice. Or you face adversity by falling apart, becoming weaker in the areas that were broken. Or you meet fire with fire tying and fixing the difficulty with perseverance until it becomes a source that literally makes you stronger.

And it is a choice that only you can make. But remember that if you complain, no one has the desire to help you. Yes, you may have many reasons to protest in your life or be upset about things that happened to you. But the sinister thing about excuses is that they are valid.

Learn to love yourself

There are millions of reasons why you may give up or not even try. And just for that fight that broke you, you should be able to sit back and cry. It is your right, so you have every reason to do so. And some people may not even think less of you.

But here’s the truth; As you get weaker or stronger in the places that were broken, you have a choice of how to react in the future. Talent or not, the great news is that the best thing you can do to have perseverance and be stronger is that you must love yourself.

And loving yourself is practice. For years, I thought it was a feeling I had when I achieve success or gain wealth. I thought that when I turned around one day, it would be like “There it is; the spark of love and joy for me.” But the reality is that this is not how it works.

Talent is no guarantee

Plus, it doesn’t matter how far you’ve come or what accomplishments you have in your review mirror. If you fall prey to that, your past will always be bigger than your future. You must realize that your future must always be bigger than your past.

So the hardest worker in the room is always going to beat the talented guy who doesn’t work hard. In the end, almost every time, perseverance always wins. Talent doesn’t guarantee you anything in this world. And the same goes for a good education.

And the world is littered with smart people who never accomplished anything significant. It’s full of talented people who never make it. And it’s full of young people with expensive education who are outmatched by high school dropouts.

Perseverance always beats talent

Talent will get you nowhere if you don’t work for it, adding perseverance and knowledge to it. It won’t get you anywhere if you don’t have a heart. And it’s nothing if you don’t have the guts. The one who is most hungry to reach the top will always arrive before the talented one.

And yes, maybe not right away, but in the end, determined people always succeed. Perseverance, courage, courage, and hard work are the ingredients that make you a winner. So if you dedicate yourself more, you will succeed better than anyone. Anyway, how can you beat the guy who will do whatever it takes?

It can not! Perseverance is a great substitute for talent. It is always best when the talent thinks it is too good to persevere and work. Yes, being talented can be a blessing, but it can also be a curse. It can make you think that you don’t need to work as hard as the other person. And that is often a mistake.

Perseverance, the great substitute

The reason for this is that the other person moves on. He’s on the hunt, ready to fight for his family, his legacy, everything he wants. So while someone talented is resting, you have to be crazy enough, work, persevere, think big, plan, visualize, believe, attack, move on, and find a way.

If there is no way, make your own way knowing that someone else’s talent doesn’t scare you. Instead, it propels you, it pushes you. Perseverance never lies and therefore your dream never dies. Most people give up on life because they come up with all kinds of excuses why they can’t.

They say they don’t have the proper education, they don’t have any talents or they don’t have the money. But if I have learned something valuable in my life, it is that excuses are for the weak. Many people are conditioned to believe that they are a product of their circumstances. They believe that if they are not born into wealth, they never will be. If they are not born great, they can never become great.

Last thought on talent and perseverance

But if you look, it won’t take you long to find massive success stories of individuals who created their success through seemingly impossible circumstances. There are stories everywhere of someone who came from little education, had no talent, just a relentless desire to succeed. And believe me when I tell you that you can achieve greatness out of nowhere.

So every setback, every failure he had is part of his legacy. It is never too late to start your own story. So, don’t let anything stop you from writing the rest. Don’t back down, win at all costs. You will do it because you have perseverance, which is a great substitute for talent. Now when will you start writing your own success story?

Technology

Different ways to invest

Investing is a get-rich device, however it is not just for the rich. Anyone can start an investment system, and different vehicles in any case simplify small sums and add to a portfolio from time to time. Truth be told, it separates investing from gambling that it requires investment, it is not a get-rich-quick scheme.

Investing is also about making a profit. Spending is simple and provides satisfaction in the moment, regardless of whether you overdo it on another outfit, a getaway to an extraordinary place, or a dinner at a favorite restaurant. These are magnificent and make life more charming. However, investing requires organizing our budget perspectives on our current cravings.

Investing is an approach to saving cash while busy with life and having that cash job to yourself so you can fully receive the benefits of your job later on. Investing is a way to achieve a happier ending.

There are a wide range of ways you can approach investing, including placing cash in stocks, securities, shared assets, ETFs, land (and other option risk vehicles), or without prejudice to starting your own business.

Each venture vehicle has its positives and negatives, which we’ll examine in a later segment of this instructive exercise. Seeing how various types of speculation vehicles work is essential to your prosperity. For example, what does a shared store put resources into? Who takes care of the store? What are the fees and costs? Are there any charges or penalties for accessing your cash? These are all questions that need to be answered before starting a business. While it is valid, there are no profit certifications, a little work on your part can expand your chances of being a profitable speculator. Research, consult, and even just read carefully Investing can offer assistance.

Since you have a general idea of ​​what investing is and why you should be doing it, this is a great opportunity to discover how investing gives you the opportunity to exploit one of the wonders of arithmetic – the accumulation of funds.

There are many types of speculations and investment styles to explore. Common assets, ETFs, singular stocks and securities, closed shared assets, land, different option speculations, and ownership of all or part of a business are just a few examples.

Stocks

Stock purchase offers speak of ownership in the organization and the possibility of taking an interest in the prosperity of the organization through increases in the cost of shares, in addition to the profits that the organization may declare. Shareholders have the right to claim the profits of the organization.

Holders of common shares have the right to vote at shareholders’ meetings and the privilege of making a profit should they speak. Holders of favored shares do not have voting rights, but are inclined to distribute profits over normal shareholders. Likewise, they have a greater right over the resources of the organization than the holders of basic shares.

Captivity

Securities are bond instruments by which a speculator successfully advances cash to an organization or office (the guarantor) in exchange for intermittent premium installments in addition to the arrival of the nominal sum of the bond when the bond is developed. Securities are issued by corporations, the government, as well as many states, districts, and legislative organizations.

An ordinary corporate security can have a nominal estimate of $ 1,000 and pay for intrigue almost every year. Enthusiasm for these securities is fully assessable, however enthusiasm for metropolitan bonds is exempt from government fees and could be excluded from state fees for residents of the issuing state. Enthusiasm for Treasuries is burdened at the government level, so to speak.

Securities can be purchased as new offerings or on the ancillary market, just like stocks. The estimate of a value can go up and down in light of several variables, the most critical being the burden of loan costs. Security costs move against the evolution of loan costs.

Common assets

A common store is a joint venture vehicle supervised by a director of speculation that allows financial specialists to invest their cash in stocks, securities or other risk vehicles, as expressed in the reserve plan.

Common assets are estimated towards the end of the trading day and any exchanges to buy or offer offers are executed after the market closes as well.

Common assets can latently track stock or security display files – for example, the S&P 500, the Barclay Aggregate Bond Index, and many others. Other common assets are effectively monitored when the supervisor effectively chooses the stocks, securities, or different speculations that the store owns. Effectively supervised shared assets are for the most part more expensive to claim. The hidden costs of a reserve serve to decrease the net speculation that returns to the stockholders of the common store.

Shared assets can make spreads such as profits, intrigues, and capital increases. These allowances will be assessable if they are held in a non-retirement account. Offering a shared store can bring about a recovery or misfortune for the company, similar to how it happens with individual stocks or bonds.

Common assets allow small speculators to buy in an instant an enhanced presentation of various risk properties within the reserve’s speculation target. For example, a shared external share can contain 50 or at least 100 distinctive remote shares in the portfolio. An underlying company of as little as $ 1,000 (or less at times) can allow a financial specialist to claim all of the hidden property in the reserve. Common assets are an incredible way for large and small financial specialists to achieve a level of expansion for the time being.

ETF

TFs or traded assets resemble common carriers in many respects, but are traded on the exchange on the day of the exchange simply as stock offerings. Unlike shared assets that are estimated towards the end of each trading day, ETFs are always estimated while trading sectors are open.

Numerous ETFs track dormant market files such as the S&P 500, the Barclay Aggregate Bond Index, and the Russell 2000 list of small major stocks and many others.

Lately, effectively supervised ETFs have appeared, as have sneaky so-called beta ETFs that list in light of “elements, eg, quality, low instability, and energy.”

Elective companies

Past stocks, securities, shared assets, and ETFs, there are numerous different approaches to contribute. We will talk about a couple of these here.

Land ventures can be done by purchasing a commercial or private property specifically. Land speculation put stocks in (REIT) pool the speculator’s cash and buy property. REITS are exchanged as shares. There are common assets and ETFs that also put resources into REITs.

Flexible investing and private equity also fall into the class of option speculations, although they are only open to people who meet the salary and total asset needs of being a certified speculator. Investments in speculative stocks can contribute anywhere and can be superior to the usual risk vehicles in turbulent markets.

Private equity enables organizations to raise capital without opening up to the world. In addition, there are private land grants that offer offers to financial specialists on a number of properties. Options often have limitations on how often financial specialists can approach your cash.

Lately, options systems have been featured in common reserve and ETF designs, taking into account minimal risk reduction and extraordinary liquidity for speculators. These vehicles are known as fluid options.

Home Kitchen

Kitchen Cleaning Mistakes You’re Probably Guilty Of

As the heart and soul of your home is called, the kitchen needs constant attention to cleanliness. There is no other way to avoid it, since that is where you prepare your food and therefore the general hygiene requirements are higher.

However, even when you want the best for your kitchen, you can make a few mistakes that are a setback for your best intentions for this room. It is essential to recognize them and try to prevent them the next time you go to clean:

Skip cleaning knobs and handles; It is normal to focus your attention on kitchen surfaces, as they take up most of the space in the room. However, you should not forget to clean all the knobs and handles. Since these are areas that you touch frequently without washing your hands, it is important to clean and disinfect them properly. Clean them with an antibacterial solution to limit the transfer of bacteria. Don’t forget about microwave buttons and handles on small appliances.

You are fighting with bottles and jars; Cleaning multiple bottles and jars can be a real pain when all you have is a sponge. However, there is an easy way to approach working with rice. Put a small amount of rice in the bottle / jar, add a little detergent and fill it with warm water. Put the lid on and shake it well. The rice serves as an abrasive and reaches all the places where the sponge does not reach.

Skip the cooker hood cleaning – ‘out of sight, out of mind’ comes in full force when it comes to cleaning your oven hood. Even if you are not a cooking enthusiast, the dust will collect there. Please note that this item absorbs excess fat from cooking vapors. Over time it becomes clogged. Check with your manufacturer for the best way to approach this item.

Cutting boards not cleaned – Wooden boards quickly become a host for countless germs and bacteria. Simple washing is not enough, as food residues tend to seep into the wood grain and therefore contribute to the growth of bacteria. You can use salt on the table and disinfect them by rubbing half a lemon.

Don’t Wear Gloves – Using various chemicals in the kitchen, whether it’s cleaning the room or washing dishes, affects your hands. Avoid skin problems simply by wearing gloves. It only takes a second to put them on. You can use multipurpose gloves, so you don’t have to worry about constant expenses.

You overload the dishwasher; Don’t think overloading your dishwasher is smart, even if it seems like it’s saving you some time. That way, the dishes won’t come out as clean as you’d like. Place alternate spoons with the handles facing up and down for a thorough cleaning.

Use a single sponge for all tasks – Bacteria on surfaces tend to stick to the sponge you use to clean. That is why you need to have multiple sponges to avoid cross contamination.

Now that you know how to tackle cleaning your kitchen, go for it. Avoiding the errors described will make your job easier.

Auto

The AC Mark 6 sports car

Performance, technical data, features, comparisons, history – a detailed review.

From classic to modern

The AC Mark 6 sports car was unveiled at the April 2009 Monaco Top Marques Motor Show as a two-door, two-seater convertible, while subsequent prototypes debuted at the Geneva Motor Show in 2011 and 2012.

Externally, it looked a lot like a Cobra and was offered as a fixed-head convertible and coupe.

The body consisted of an innovative hybrid combination of a fiberglass base with an aluminum layer.

It was mounted on a space frame chassis containing tubular sections that increased its strength while keeping weight to a minimum and reducing production costs.

A major change from the power plant was the change from the Ford Windsor V8 engine in the original AC Cobra to one built by Chevrolet.

The Mark 6 was built by hand and is available in five versions, using engines from the Corvette:

  • The standard GT used a 6.2-liter GM V8 engine developing 436 bhp and with a top speed of 173 mph.
  • The GTA used a 6.2-liter GM V8 engine developing 550 bhp and with a top speed of 180 mph.
  • The GTS used a supercharged 6.2-liter GM V8 engine developing 647 bhp and with a top speed of 190 mph.
  • The brutal GTS R used a race-tuned 6.2-liter GM V8 engine developing 780 bhp and with a top speed of 207 mph.

The V8 engine was very flexible and pulled off smoothly even from 1000rpm, but it really kicked in between 40-100mph.

Priced at £ 93,500, the car featured:

  • Fixed-head coupe-specific gull-wing doors
  • Wheelbase increased to improve legroom
  • Adjustable shock absorbers
  • Aluminum wheels of 18 inches in the basic, with 19 inches in the rest of the variants.
  • Manual gearbox with six gears
  • Air conditioning
  • Heated leather seats
  • Pedals can be electrically adjusted
  • GPS and MP3 player

Side exhausts were an optional extra, as were racing stripes, traction control, and a removable hardtop.

It was equipped with 332mm ventilated and perforated disc brakes at the front and 298mm at the rear, with calipers from Porsche, along with a limited-slip differential.

The convertible variant weighed just 990 kg.

The Mark 6 represented a series of firsts for the company, as it was:

  • First to be built in Germany
  • First to incorporate a V8 engine produced by General Motors
  • First to be offered as a fixed-head coupe that hadn’t been designed exclusively for the track.
  • First to feature gull-wing doors, which were an integral part of the fixed-head coupe variant

The target market for the Mark 6 was the United States and Europe.

Initially, as of 2009, the AC Mark 6 sports car was built for AC Cars by Gullwing GmbH in Germany, which was the licensee.

However, AC subsequently introduced a network of local production and distribution centers, which were intended to eliminate US shipping costs incurred with the rolling chassis during production of the original AC Cobra Mark 1-3.

Consequently, the top three centers chosen were AC Heritage Center in the UK, AC Germany in Dresden and Iconic Motors in the USA.

Subsequently, Iconic Motors has developed the Iconic AC Roadster sports car, equipped with a 6.8-liter V8 engine that developed 825 bhp and 680 ft / lbs of torque, with a top speed of 210 mph and a lower 0-60 mph time. of 3 sec.

This marks the end of my AC Mark 6 sports car review

Digital Marketing

Important Considerations for Improving Social Media Engagement and ROI for Small and Medium Businesses

You most likely understand the increasing importance of social media for attracting customers and prospects to your website, as well as for advertising a special event or product promotion. And although there are many different forms of social media (Twitter, Instagram, Facebook, etc.), most users do not know how to use them effectively to help improve the ROI of marketing communications. Simply “having” social media accounts is not enough these days; you should understand the best practices to use each one and nurture your accounts on an ongoing basis.

For example, if your social media accounts haven’t been updated in the last thirty days, your customers and prospects may question your reliability, reach, quality, and professionalism. Your social media is a direct reflection of your brand and what follows are some simple guidelines to improve it.

Relevant social media content improves ROI

Content that is relevant to your customers and prospects is critical to developing meaningful trust in your brand, both short and over time. In today’s world, trust is very important and it is a clear and basic method to improve the customer’s purchase. Conversely, posting anything can be more damaging than simply not posting anything. What seems smart today may be detrimental tomorrow. Your content, both images and text, must be well thought out to meet the needs of your customers and prospects and therefore improve ROI. And it must be presented creatively so that it is received by an often skeptical audience.

With the recent news about fake accounts and messages, Facebook and Instagram are trying to improve their algorithms to remove accounts that post irrelevant content or use popular hashtags just to gain visibility. These tactics will now cause accounts to be phantom blacklisted. This means that your account is visible only to those who search for it directly, but your content will not be displayed on anyone’s timeline.

How to implement hashtags to achieve maximum participation

Hashtags and social media are as important to each other as your engine oil. For better performance than just getting ‘likes’ here and there, you need to research the relevant hashtags. General hashtags can be used as long as they are relevant and are not abused.

For example, when I create a post on Instagram (this same post will also be shared on Facebook), I always start with #GoodMorning #GoodNight depending on the time. There are over 91,500,000 posts on Instagram using the same hashtag. Hashtags are equivalent to meta keywords on your website; They must be relevant to your publication and you must not abuse them.

Post consistency also improves ROI

Strong growth doesn’t happen in fits and starts, and the regularity with which you post is key. Work with your team and, based on your knowledge of your audience, set a minimum number of posts and perhaps ideal times as well.

And in today’s increasingly distrustful environment, “Writing longer posts, spending more time writing them, and posting less often can go a long way toward building trust in your brand. Posts went from 808 words in 2014 to 1,142 words in 2017.” – Orbit Media. And, of the organizations using social media today, only 3 percent post daily, 22 percent post weekly, and most post only multiple times or less in the past six months. Therefore, the consistency of your posts becomes even more meaningful to your customers and prospects, so that profitable growth is more achievable.

Remember, it’s all about the brand

Traditional media, digital media, and social media, in particular, must work together to improve ROI for branding and marketing. When your audience shares your post, you are expanding your brand to reach new audiences, and your existing audience is demonstrating their loyalty to your brand.

And don’t forget your website. It’s the focal point of your brand, and while it can last much longer without updates, search engines are specifically looking for up-to-date content, and professionally developed new content can significantly increase your brand ranking.

Marketing Communications Consultants Can Help

In a recent CMO digital benchmark study, 97 percent of marketers said that social spending made only an “average” or “below average” contribution to their business performance. So if you are concerned about what you are doing, you are not alone.

Social media is growing rapidly and, as with any new process, there is a great need for professional help. Without understanding best practices and / or without having the time, energy, or skill to improve your social media efforts, it’s like putting your head in the sand. As Will Rogers said, “Even if you’re on the right track, you will get run over if you just sit there.”

Education

What is formal charge?

What is formal charge?

A formal charge can be defined as the charge which is presenton an individual of apolyatomic molecule, presuming that the electrons in all chemicalbonds are equally distributed between atoms irrespective of relative electronegativity. Formal charge is there due to the deficiencies in the configuration of an atom which are involved in the compound formula. Formal charge is an important aspect of chemistry.

Formal charge formula

The formula of formal charge is:

Formal Charge= Valence Electrons – 0.5Bonding Electrons – Nonbonding Electrons

The value of bonding electrons is divided into half because the bond is present between two electrons.

Where

V is the number of valence electrons

N is the number of non-bonding valence electrons

B is the total number of electrons present in bonds with other atoms in the molecule.

Examples

Co2 is a neutral molecule with 16 total valence electrons. Now there are three different methods to draw the Lewis structure.

It has been noticed that all three structures gave a total charge of zero, but the final structure is the supreme of them all because charge is absolutely nil in the molecule.

Alternative method

The following is similar:

  • Now draw a circle around the atom for which the formal charge is needed as with carbon dioxide below.
  • Now count the number of electrons in the circle of atom. As the circle divides the covalent bond “in half’, so each covalent bond should be counted as one electron instead of two.
  • Now the number of electrons in the circle has to be subtracted from the group number of the element (the Roman numeral and not the IUPAC 1-18 system)in order to find the formal charge

It should be kept in mind that formal charges are only formal meaning that it is only a method for tracking the valence electrons that each atom brings forth when the molecule if formed.

How to calculate Formal Charge of So2?

In order to calculate formal charge of S02, the Lewis structure has to be unlocked. Hence, the step is to draw the Lewis structure. The Lewis structure of S02 is given below.

The above example helped us to calculate formal charge of SO2. Therefore, it is a must to know the Lewis structure of the molecule or ion, and the formula has to be applied to calculate formal charge.

Importance of Formal Charge

The followingare the important points of formal charge.

  • The concept of formal charge is theoretical which is useful while doing in-depth study of the molecules. It does not show any actual charge separation in the molecule. This concept is vital and also the knowledge of what formal charge is.
  • Formal charge is very essential which decides the configuration of lowest energy among many Lewis structures for the given molecule. Therefore, to calculate formal charge is of utmost importance.
  • To know about the lowest energy structure is crucial in finding out the primary product of a reaction. This knowledge is also helpful in describing several other terms.
  • The structure of least energy is the one which has the least formal charge and most distributed real charge.

Formal charge compared to oxidation state

Formal charge is a tool to know the distribution of electric charge which is present in a molecule. Whereas oxidation state is a competing method to know the distribution of electrons present in molecules.

Difference between formal charge and oxidation state

People often gets puzzled between the concepts of formal charge and oxidation state. Although both these concepts deal with electron distribution, their views are different and hence, the results are also different. Please note it down to remember the minute difference between these concepts. In formal charge, it is assumed that the electrons which are present in a bond are equally distributed between both the atoms. When this concept and the formula are followed, a value is derived at which is known as formal charge. But for the oxidation state, the differences in electronegativity of the two atoms are considered. So, the atom which attracts more electrons has an advantage over the bond. These concepts are different and should not be jumbled up.

Solved Formal Charge Examples

  1. Find out the formal charge of the following.

Answer:

Key points

  • In organic chemistry, it is believed that formal charge is needed to show a correct Lewis-Kekule structure. But it does not apply to inorganic chemistry.
  • The molecule which has the least amount of charge is the most valuable.
  • The differences between formal charge and oxidation state paved the way to valence bond theory of Slater and the molecular orbital theory of Mulliken.
Business

Why Paper Checks Are Still Important

While we live in a world where payments can be made electronically, paper checks are still needed. They remain relevant as they offer a record of documents, reduce risk, and help meet a need for both individuals and businesses. They are convenient to use and allow you to keep a good track of all your transactions.

Paper trail

With paper checks, there is a trail to make it easier to find out what was spent and where it was cashed. That can be important when it comes to having records to verify that you made a payment. A photocopy of the check before you send it, as well as one from the bank when you receive your statement showing that it was cashed, can help you keep very good records.

For a business, it shows a level of professionalism. Paper checks often need the approval of more than one person, so there is an internal balance and control system in place for the company. Being able to send a check for accounts payable is important so that you can build good business credit and stay on top of your cash flow. It also makes reconciling the books much easier.

Reduced risk

Criminals can get away with forging checks, but it is much more difficult than for them to obtain credit or debit card information. When they forge a check, they often run the risk of being caught due to signing, where they try to cash it and be seen on surveillance video cameras. With your credit or debit card, they can cause great damage online and remain safe under a blanket of darkness.

Flexibility

Not all companies are set up to receive your payment electronically. With paper checks, you can pay what you need and not have to carry cash to do so. Also, you are not left out in the cold because the entity cannot use other sources of payment to complete the transaction. Sometimes you may need to write a check to pay something, even though you know the funds will not be available in that account for another day or two.

That kind of practice is not encouraged, but it does happen. For example, you may have a deposit on Friday, but you know it won’t show up in your account until the following Monday. However, you have bills to pay or you need to do some shopping over the weekend. With this type of scenario, you can write a check and before it reaches your bank, the funds will be available.

check

When paying for services, it is a good idea to have a paper record to go to. If you pay in cash, there is no proof that you actually paid for those services. This can become a difficult situation if you are not careful. For example, you may need to pay a deposit to rent a function room or even to rent a house. You may be painting your house and they want a percentage of the funds up front. Writing a check shows that you paid those costs in case a problem arises. If the check was cashed, that may be your evidence in a court of law.

Save on fees

The amount of money they charge you when you go to the ATM is ridiculous! It may be only a few dollars at a time, but how much is it each month or annually? Find a checking account provider with no service fees. You can also avoid higher fees, such as sending a cashier’s check or money order when you can use your own account for free.

Stop payment

When you pay for something in cash or electronically, there is no way to stop the payment. You are at the mercy of the recipient to return that money to you, and that can become a time-consuming hassle. With a paper check, you can contact your bank and ask them to stop payment. While there is often a fee that is applied to this service, it will be less than the value of that check.

You may have had every intention of allowing that check to be cashed, but then something comes up that completely changes the situation. You can go directly to your banking institution and complete the stop payment process. This avoids problems when trying to work it out with the person who has that check. Even if they try to present it to the bank, it will be rejected.

Expense record

Hopefully, you have a large budget for your household expenses. However, you may be wondering where so much of your money is going! How much do you spend eating out or shopping? Where can you remove the extras to add more savings? When you use paper checks, you can better keep track of all your expenses. You will be able to accurately track where your money goes each month.

Proof of payment

If you are contacted in person to inform you that you did not pay an invoice or that your company has outstanding accounts payable, the cashed check will be registered with your bank. They can provide you with a copy to show that creditor. It will verify that the account was paid, when it was collected, and even who signed to collect it.

Relationship

Educational Christmas gifts for kids

Do you want your children to get more out of their playtime than just having fun? Obviously, fun is good, but if your kids can keep learning while having fun, then so much the better and there are plenty of educational Christmas gifts for kids available.

Educational toys for boys and girls

Cooking is one of the most important skills children can learn that will allow them to eat for the rest of their lives. Learning to cook at a young age means they will always love it, so why not start cooking with your kids? These sophisticated toys contain all the essentials; fridge / freezer, hob, microwave and dishwasher, as well as sink, pans and spatulas. Complement the kitchen with food from the deli set or the ice cream parlor. Take the opportunity to teach kids how to clean after cooking and you may find that you have the next great chef in your family.

Science toys for kids are great educational toys and will spark your child’s interest in science subjects from the age of five. There are several kits available, including one that allows children to learn about the human body through hands-on experiments, games, and exercises.

For older children, the Crystals, Rocks and Minerals kit can get them interested in geology. The kit contains real rock and quartz samples and children can grow three different types of crystals.

There are two grades of technology and electronics kits; the first, for children ages 10 and up, teaches how to build simple circuits and how to build and repair sensors. The second, for children 12 years and older, details basic electronic components and provides an introduction to more advanced components. Children will learn to follow a circuit diagram and create circuits from the supplied components. Budding electrical engineers will find this an invaluable grounding.

Educational toys for toddlers and babies

The Busy Ball Popper is ideal for both babies and toddlers to learn colors and manual dexterity. Babies will love seeing the colored balls racing down the spiral track and out the top and toddlers will have even more fun chasing the balls. This toy also features fun music with 8 upbeat songs to keep the fun going.

The Endangered Species game teaches kids to recognize and learn about seven of the world’s endangered animals with a storage bag showing the continents. Children can learn where to place animals in their home contents.

For children ages three and up, the Deluxe Workshop encourages hand-eye coordination and includes a toolbox and storage jars to promote logical thinking and order. The tools are cordless drill with interchangeable bits, screws, nuts, hammer, saw, pliers, wrench and screwdriver. Instructions for 4 projects are included.

Play is an important part of a child’s development, teaching life skills, as well as motor skills and educational toys provide interesting and inventive opportunities to play.

Gaming

Sex with an older woman: what you need to know

Sex with an older, more mature and much more experienced woman was one of the best moments of my life. I was lucky enough to be seduced by a 42 year old mother and wife who taught me how to please a woman sexually and then keep her coming back for more.

These days, a predatory older woman who preys on younger men for sexual satisfaction is called a ‘cougar’ and the young man she lies to is called a ‘cub’. His only role is to please her and satisfy her sexual demands. I work hard, but someone has to do it!

Why is an older woman a cougar?

In the wild, the cougar is a majestic big cat that is graceful, graceful, and full of poise. That is actually a very good description of a ‘cougar’ woman as well. I have been serving older women and cougars since I was 18 years old and have always found them to be the best teachers and partners.

Older women seeking sex with a younger man can be from all walks of life and from all sectors of society. There is no set rule that defines a cougar, other than that it will be older than the young its cub is. In my experience, all of the older women I had sex with were in their 40s while I was in my late teens or early twenties. They are sometimes called sugar-mommies and these days they are also known as MILFs.

The older woman is not looking for love, just pure pleasure!

Women turn into cougars for many reasons, but one of the main ones is that you are dissatisfied with your current lover / husband / partner and you need a lover who can exhaust you sexually.

She is looking for a man who can continuously attend to her sexually and intimately and she wants to be in control. Women are attracted to lovers of younger men because usually he can maintain an erection for longer, ejaculate many more times during a sexual session, he will be stronger and have more stamina. For a sexually hungry woman in her sexual prime, he is a demigod! She will adore you, if you are ever lucky enough to connect and enjoy sex with an older woman.

For most older women who enjoy sex with a younger man, getting pregnant, supporting her financially, or settling down at home with her is not a big deal. She is not looking for a husband, she is not looking for a commitment, she is not even interested in your family or what you do. She just wants to know that when she needs your manly prowess, you’re willing to dive between her legs.

Real Hands On Teacher

For the puppy, the young man who enjoys sex with an older woman, you simply couldn’t find a better sex ed teacher … or a willing participant! This is a true “practical” teaching. Older women do not make ‘theory’, hypotheses or speculations. Horny older women insist on practical lessons that involve full body contact. Often. In one night.

As a puppy, you will learn what sexual activities you like and where on your body you like them to take place. You will learn about the erogenous zones in a woman’s body and how to manipulate them together to bring her to an explosive climax. You will quickly know how to turn her on more and how to make her orgasm over and over again. You will be eager to experiment and be innovative. She will teach you to create new sexual games, new sexual positions and to use toys, vegetables, fruits … and chocolate. Be bold, have an open mind, and enjoy the experience.

Become an irresistible lover

This knowledge will be invaluable for your future life as a lover. You can take advantage of everything a cougar will teach you with your future partners and lovers. Your future girlfriends will be impressed with your sexual prowess and other cougars will love your sexual knowledge and openness.

Knowledge is a powerful instrument … but sexual knowledge has an influential domain on its own. When you know that you can satisfy any woman sexually, your confidence levels will skyrocket and your self-esteem will be limitless.

Most men have self-doubt and insecurity about their sexual prowess and this easily manifests itself when talking to a woman. The woman feels his discomfort, his hesitancy, his lack of self-confidence, and instantly shuts down. Women love strong, confident men. And there is no safer man than the one who KNOWS that he can satisfy his sexual needs.

Health Fitness

Are high carbohydrate diets really bad?

Based on the current collection of popular diets, you’d be forgiven for thinking that high-carbohydrate diets were bad. Some of the more popular diets, like the Keto diet, seek to minimize carbohydrates as much as possible. Other diets like the Paleo diet allow fruits and vegetables but eliminate all cereal-based products.

Diets like Paleo don’t target carbs per se. Rather, a diet like Paleo seeks to model what our ancestors ate. Those who diet think that the caveman probably did not harvest wheat or make bread or harvest rice, of any color. Cavemen (and women) were hunter-gatherers.

However, although the Paleo diet allows for simple carbohydrates in the form of fruits, vegetables, and nuts; eliminates a huge source of complex carbohydrates. And to be fair, Paleo is less of a weight loss diet than a lifestyle diet. Perhaps the best comparison would be to a lifestyle diet such as the Mediterranean diet.

But Keto is a weight loss diet. The general essence of this diet seeks to eliminate all carbohydrates from consumption. The reasoning is that with the absence of carbohydrates, the body will begin to use fat for energy. It is a reasonable assumption.

After all, although carbohydrates are the body’s preferred source of energy, the body cannot use what it does not have. Therefore, the body enters a state where it begins to take advantage of fat stores. The body does not like to use protein for energy. Protein is used for the maintenance of muscles. Fat is the option.

The ketogenic diet works. A large group of dedicated followers and practitioners can attest to this. But if the key to losing weight is low carb, high fat, and high protein, how then do countries like Korea and Japan produce some of the “skinniest” and healthiest people in the world?

One cup of cooked rice contains approximately 44 grams of carbohydrates, 0.44 grams of fat, and 4.2 grams of protein. I can tell you from personal experience that Koreans eat more than 1 cup of white rice at one time, let alone throughout the day. However, as a society, Koreans are a skinny bunch. The same is true for Japan, maybe more.

Apart from white rice, Koreans love sweet potatoes. Street vendors roast sweet potatoes in 55-gallon drums with a wood fire burning underneath. Taking one on a cold, wintry day is one of life’s true joys. 1 cup of sweet potato equals 30 grams of carbohydrates, just 0.2 grams of fat and 2.5 grams of protein.

The question we must ask ourselves is why. Why aren’t people whose main staples are high in carbohydrates, low in fat with moderate levels of protein, overweight? Because if the answer to weight loss is to cut carbohydrates, then it stands to reason that carbohydrates caused or contributed to the weight gain in the first place.

And it’s not about good carbs versus bad carbs. These low-carb diets seek to eliminate all of them. And lifestyle diets like Paleo seek to eliminate all starchy complex carbohydrates, arguably the best form of long-term energy carbohydrate.

And when looking at lifestyle diets, pasta is a key component of the famous Mediterranean diet. Although pasta as a term is quite broad, a cup of “normal” pasta yields approximately 43 grams of carbohydrates, 1.3 grams of fat and 8 grams of protein. Once again another wildly successful, healthy lifestyle diet featuring high carbohydrate, low fat with moderate protein.

The answer to this dichotomy is that carbohydrates are not stored or converted to fat in any appreciable way. Generally speaking, the body burns carbohydrates until there are no more carbohydrates to burn or the body no longer needs to burn carbohydrates for energy.

Excess carbohydrates are stored as glycogen. It is not initially converted (or stored as fat). The average person has the capacity to store up to 1500-2000 calories of stored glycogen. Once full, carbohydrates are stored as fat. But glycogen is constantly being converted to glucose and therefore constantly depleted. And yes, “constantly” in need of replenishment.

What is stored in the form of fat is the fat that a person eats. It is dietary fat. It’s not the carbs or protein that magically sticks to your belly or hips, it’s the fat.

The total fat intake recommended by the FDA is 65 grams per day. The consensus is that any diet that gets less than 30% of its calories from fat is considered a low-fat diet. 30% is huge. One cup of cooked white rice yields less than half a gram of fat. 65 grams of fat a day translates to a lot of rice and potentially a lot of happy Koreans.

The body uses protein to build or maintain muscle. The body burns carbohydrates as an immediate source of energy. The body stores fat for the long winter hibernation (well, if we were bears).

Not getting fat means not eating fat. Not gaining weight means eating enough protein to maintain muscle mass. Not gaining weight means eating enough carbohydrates to fuel your body and glycogen stores. Protein and carbohydrates don’t turn into fat (maybe a little bit), it’s the fat that turns into fat.

And the holy truth about weight loss is simple. Eat less than your body uses and the weight will drop. And stop eating fat.