#basically 6 months guaranteed & most of it is paid just not paid at 100% of your salary

[whentherewerebicycles]

IT’S HERE!!!!!!!!!!!!!!!!!!!!!!!!!

[iampikachuhearmeroar]

so this morning, while scrolling through my fb feed, i came across an nyt opinion/advice piece from a 27yo (ie basically me lmao) who is obviously lucky, in a sense, to finally land their “dream job using my (their) skills” etc. like obvs i can’t read it bc of the stupid “you get one free article a month if you either don’t have an account or subscription” (my one free article was used up reading an article about adult adhd like last week)….. thing that nyt does.

but anyway. back on topic lol. the crux of the article in both the headline and the quote snippet was that the advice asker was really dissatisfied with the 40 hour work week that came with her “dream job”. with how having this 40hr workweek gave her no time to do her busy chores like house cleaning or laundry or didn’t even give her time to let her have her hobbies/creative pursuits (whatever they were/are).

however, in the comments on the article (and apparently from those who read the article on the comments, the advice/opinion column writer) a good bunch of like gen Xer’s and baby boomers (im assuming) were ganging up on the asker like “suck it up princess, it’s what life is!!! i work 70+ hours a week and LOVE IT and have just resigned myself to the fact that i have NO time left over to do my “chores”! learn to O U T S O U R C E these life admin tasks to someone else!!! everyone MUST LEARN this in america!!! it makes life so much easier ☺️” and such.

of course, there were plenty of the same bs comments that you see on anything about careers or home ownership towards millennials/gen Z’ers about “learn to go WITHOUT and save save save and squander your time so that you NEVER live and HAVE FUN or TIME FOR HOBBIES! my bet is that your parents did that and they survived just fine while also raising your ungrateful spiteful ass (not including any type of health issues they might have picked up from such long hours/shitty working conditions) so why can’t you just L E A R N to do the same you precious spoilt brat!!! because the reality of Real Life™️ is that you can’t have it both ways!!! then you’ll have early retirement guaranteed, hopefully!!! and know that hobbies really are time wasters most of the time ☺️ or at least they were for me!!! and your precious so-called “creative pursuits” most definitely are time wasters. no one needs THOSE.” and so on so forth.

they also had jibes for her bc the asker wanted to start a family at some point apparently… and apparently it’s “much worse” once you have kids. like. thanks geraldine and henry. you’ve just told us how much you’ve resented having your kids/family in one fell swoop. your opinion which you’ve framed as unhelpful, condescending advice is now voided.

like. i don’t know how rhonda or paul or deandra or philip could miss the point so fucking entirely. why the fuck should anyone- nay everyone (bc that’s what they make it sound like)- learn to outsource their busy chores like laundry/house cleaning/grocery shopping or god knows what else- to someone else???? why is that apparently a standard expected to be learnt in the US???

like why the fuck are you so desperate for people not to have free time to do these things (unless of course they live in some of those shitty nyc or other big city apartment blocks that don’t come with individual private laundries in the self-contained flats or a communal laundry on like the bottom floor or w/e for example) frank????

deidre why the hell are you so bitterly hankering about “be grateful that you have it easier than most and learn that hobbies mean jackshit and just sell your soul and time to your boss!!! when will the generation stopping being “me me me!!!” and “work life balance!” and think about the company’s bottom line!! learn that “work life balance” is never important! work like a slave for 50 years and see if your valuable experience is needed then! that’s when you’ll learn that those hours where you were never being lazy, instead of just expecting life to be handed to you, will have paid off!” or whatever other ridiculously toxic capitalist bullshit they were spitting out.

obviously there were FAR MORE people actually supporting the question asker and echoing the idea that the 40hr workweek is now redundant. they were also putting down the opinion/advice piece writer’s advice to the asker….. that was apparently similar to the all the bitter people on the comments saying that the 27yo was just “asking for too much” and had to “learn to suck it up instead of being a petulant and overly selfish dick!!” etc etc etc. we all know the spiel as thoroughly as the macarena now.

because whats so fucking wrong with wanting time to yourself and wanting time to do your busy chores??? why the fuck should i be outsourcing these to other people (unless of course you’re still living at home and your parents are still like “hey what clothes do you need washed i’m doing a load rn” or you have a partner that works from home or has some type of parental leave etc)???? i want to do my own laundry. i want to do my own gardening (ok lawn mowing or tree lopping (if needed) i’d actually outsource bc i can’t lift or push lawn mowers bc they’re heavy af for me or and i obvs can’t use a chainsaw)… but i want to do my own grocery shopping. i want to do my own cooking (although i would consider the meal kit services once i had job that allowed me to afford like $50 a month for one of those meal kits sub services) i want to do my own cleaning.

why, if i lived in the US and not australia, am i just expected to learn to outsource all of these tasks even if i don’t have the money for it??? like why the actual fuck are so many of you so fucking weirdly proud of being absolutely worked into the fucking ground for your “great country” (although this is actually bleeding through to australia too and i hate it); working like literally close to 100 hours a week???

because i wasn’t aware you had to be whatever the fuck his name is from 127 hours and cut your fucking limbs off just to fucking survive a job in either corporate america or just let alone any goddamned job in america….. all so they can supposedly “learn to like working for free and devaluing your worth even more to your employer through overworking yourself and always being available!!! mental health is for those who aren’t built for the Real Adult World™️!!! this person is a prime example of the younger generations being weak and dissatisfied with life so often because of their “oh poor little me!!! care for me!!” act. NO ONE CARES FOR YOU today. stop being so over-expectant/demanding and juvenile!!! only YOU care yourself and you should NEVER expect someone else to pick you up from YOUR bootstraps!!! you’re fucking whiny and conceited babies. the lot of you!!!”

because i honestly don’t know who the fuck would enjoy working 70+ hours week with no time to themselves to do what they enjoy doing…. or enjoy having zilch time to catch up on errands and life admin duties or just general house chores; especially if you’ve moved cities or an entire fucking state/s away from your family and support network. let alone doing the same thing on 40 hours a week.

and on top of everything, let’s not even get started on the time spent commuting to and from work or even commuting for life errands/tasks etc etc- especially if you’re like me and you’re nowhere near the capital city’s centre (ie sydney australia for me) for there to be reliable enough public transport and longer commute times to certain places in those cities (that i’ve bitched about plenty before on other posts on here about work/jobs).

get your head out of your asses warren and viola et al and realise that work life balance is literally NOT ASKING FOR MUCH and is asking employers to just have basic respect for their employees time if they work fulltime. it’s literally detrimental to ones health if they have to sacrifice what feels like (or what is literally like) their entire fucking existence to their employer just for meagre pay and just to fucking survive.

because i read a heart-breaking article last night from huffpost (posted by buzzfeed on fb) about a woman in the US who literally hid her having a second baby from her employer for an entire fucking year (literally the entire pregnancy and birth of the baby and the first 6 months post pushing the baby out) during the pandemic all because she was scared she would get demoted or lose her leading of a project and lose her bs “temp” job which had really turned into full time work although the employer never said anything about it being actually full time hours or whatever…. and plus the lady herself was apparently to scared to ask to be put on the books fulltime too for some weird reason.

like honestly. fuck capitalism. fuck thinking that “work life balance is just too hard for employers to add and regulate. it’s an excuse and ploy for workers to be unprofessional, unproductive and lazy!” or whatever the fuck. everyone deserves time to themselves to pursue their interests/hobbies and busy chores/life admin. no one deserves to waste their entire life working 70+ work weeks for those employers who literally have no respect for their employees personal lives and time.

and particularly during the time that is the pandemic as we’ve seen so many companies having to learn to wholeheartedly embrace working from home and more flexible schedules for their workers. worklife balance is absolutely fucking beneficial for everyone involved.

america fix your bullshit work ethic right now lmao.

[mikkaeus]

lessons from 1000 hours of tutoring high school kids - a letter to my past self

not all those hours were maths, but this is about maths

Not in order of importance; in the order they came to my head. 

1. Do not trust a kid when they say that they understand something. They understand jack shit. Make them explain it back to you. 

2. When teaching sth new try to prod them to reaching the conclusion themselves instead of just straight up explaining it, if time permits. 

3. Things I have assumed and have been sorely mistaken:

a) If an area is identified to be an issue in the lesson, the kid will go and do some questions and revise themselves to fix it.

b) Kids take notes. (I’m still kicking myself for only realising this more than 6 months in with this kid. I get paid too much to be making stupid mistakes like this.)

c) Kids know how to take notes. (Session 1: Take notes, here is a detailed outline that you can then expand on with examples and stuff. Session 2: The kid has copied my scaffold word for word and not expanded anything on it. Me: You need to actually EXPLAIN how to complete the square for example, not just write “completing the square”. Kid: Okay yeah I get it. Session 3: For each topic he’s googled an explanation and copied entire paragraphs word for word, because he “thought they’d phrase it better than him”. He’s using terminology that I 100% guarantee he does not understand at all. I now understand why high school teachers always said use your own words when making notes - something that I had always thought should be blindingly obvious to everyone.)

4. Not everyone is as obsessed with not making mistakes or not being able to solve problems are you are. (For these kids, being stumped at a difficult question isn’t the end of the world.) They think a question ends at figuring out the answer, whether that be from the help of a textbook, the solutions, their friend, or me. You need to impress upon them that it doesn’t matter what the answer is! It’s about what you learn from the question. How was the way they were thinking about the question incorrect? How can they avoid this in the future? What general advice can they give themselves? And then they need to actually commit to reducing incidences of the same mistake in the future. Some kids I’ve been giving the same damn advice to every problem they get stuck on, and magically they can solve it after I give them the advice. Just remember the general advice!! You’re spending all this time studying but you’re running into the same wall over and over again instead of remembering to take the rope out of your bag. I’m not magic! I’m just sitting here reminding you that there IS a rope in your bag!!  (Not that my method of angry scribbling in red pen across my working and writing that I’m a fucking idiot is something I’d actually recommend, but they could definitely afford to be less laissez-faire about learning from their mistakes.)

5. Actually make good notes during the session; otherwise, the kids probably retain nothing. It is kinda awkward to be sitting there writing away but it is a necessarily evil. Also, you can write while they’re chipping away at a question themselves, and that way you don’t need to be watching them like a hawk while they do algebra painfully slowly. (I feel like kids make more mistakes in sessions than they do normally.) 

6. The key to being able to solve a problem is believing that you CAN solve the problem. I’ve been saying this a lot recently - if you follow the rules for maths, there’s no reason it should be wrong - when I have Year 11s and 12s asking me every step of simple algebra if something is correct, or asking whether you’re allowed to do something, and I ask them, “what do you think?” and they reply, “I don’t know.” (Related: Another thing I’ve been saying a lot is that algebra is about doing the same thing to both sides. They just think it’s magic!) Anyway, I brought this up because of problem solving questions actually, not basic algebra. Of course, you can teach them how to break down the question, or general processes like “if you don’t have enough information, go back and check you’ve used everything in the question”, but all that’s useless if they don’t believe that they can solve it by themselves. That means

a) You need to actually encourage them. Even though you’re not a... fluffy or particularly inspiring person, just try. 

b) YOU need to believe that they can do it too. Think of the number of times you’ve been shocked that some kid managed to make a leap of logic you thought was beyond them. Kids are better than you think (and also worse than you think, but we’ve already talked at length about that). 

7. It’s most of the time more beneficial to force the kid to go through the expanded version of the working instead of the abbreviated version. They’re not you, trying to economise as much as possible on working to save precious seconds for rechecking at the end. Don’t push that obsession onto them when their goals and skill level is completely different. Especially if they’re:

a) making silly mistakes

b) not understanding why something works and just following the pattern for a specific context, and then being completely lost in another context. (eg. not being able to use the null factor law for when the factors weren’t linear with a gradient of 1, because they always skipped straight to x= instead of actually writing out each factor equalling zero, and then rearranging). 

8. Stop lecturing for too long. Make sure you’re writing stuff down, not only for the purpose of notes for them to look at later, but because not everyone’s good with auditory learning (you’re one of those people! and yet you subject others to the same shit you rant about out length about your professors!). Make them do work through a problem or part of a problem or ask them questions or something. 

9. A lot of kids do not know how to study properly. A few important things:

a) Do not automatically look back at past questions when solving a Q. You need to treat every question as completely new, and only look back if you’re stuck. That way you force active recall every question and thus making sure you’re actually remembering what the process is. You don’t get any worked examples in your exam. 

b) I do not know how this is every single fucking kid but knowing how to use your dang calculator saves lives!! It’s literally 50% of your grade and you’re sitting there two days before your exam struggling to graph a parabola??? After all the hours you poured into studying the content? Yes your calculators are gross and unfriendly but they’re your best friend. Not only should you know how to use them, you should be fast at using them, and you should know everything it can do that could be remotely helpful. 

c) Sit full exam papers under exam conditions. That shit is like gold and kids are piddling it away by just leisurely working through one question at a time with the help of their textbook (and me). 

d) Print out the formula sheet, and use it. Know what’s on there and what’s not. 

I don’t know if this is a pretty standard experience for people with a track record of excellent academic results* (by this I mean just assuming some things are obvious to everyone) or if I’m particularly bad because I’ve always only interacted with a very narrow range of people. anyway feels fucking bad for my kids but. im trying. god knows ive come a long way since i first started.

*or as I prefer to state it, a track record of being a huge fucking nerd

[madrabbitsociety]

Sometimes, and I do not mean for this to sound malicious, which it will, I feel the need to defend hairdressers. 

Hairdressers and hair stylists are skilled technicians who go through thousands of hours of training in order to hone their craft. Some of us were lucky enough to go to a technical school while in high school and are not in debt. I, however, paid almost $25,000 to go to school. I had to go for 1500 solid hours. In my state, that meant Mon-Thurs evenings for 5 hours a night. In my opinion, people don’t give stylists enough credit for what they need to know to get licensed in their state. Specifically, my license is for cosmetology. I had to know skin disorders, chemical reactions, actual strand structure - and we still don’t get told enough because we don’t get proper training on different types of hair, but that’s a whole different post that a lot of other people have done better than me. 

The predominant way we are paid in the industry is via commission. So if we have no one scheduled, we don’t get paid. If we have a client cancel, we don’t get paid. At my first salon I was expected to stay as early as I could to as late as I could, unpaid, just in case someone came in. Of course, corporate places are mildly better in that they offer a minimum wage, but that’s usually somewhere between $7-9 an hour. In order to earn commission in that type of situation you have to do more in services than what you would have been paid for the hour. Again, probably an entire post in itself. 

I tried a lot of places. I paid a lot of money for a license I was very proud to own. The final straw was a salon near my house. Personality-wise, I really felt like it would work out because I enjoyed the people I was around and I was disappointed when it didn’t work. When I first started, they insisted I do two unpaid apprenticeship days because I was (licensed for 6 months at that time) too new to work on their clients. They would provide models and charge the models a lower service fee than their usual service fee. I would then have two paid days at $10 an hour where I would basically follow the owner around, clean and do shampoos. On my days off, I was expected to want to come into the salon and continue to apprentice for free. There was a point in my apprenticeship phase where I was only being paid two days for 5-6 days worth of work. 

Again, this is not uncommon in the industry. Maybe not to this extreme, but certainly there’s a lot of free work being done. Does your stylist have someone help them blowdry? You might want to make sure that apprentice is being paid.

My skills did improve greatly during this period, but I maintain that was because I put a lot into it. The owner took all the credit- through his great teaching methods, I was becoming an ‘okay’ hairdresser. 

During the apprenticeship, unless you handed me a cash tip, he kept all of my credit card tips. So if you added a tip after service with your credit card, the salon kept them because they said I was using their electricity/taking up space in the salon and I needed to pay for that.

In addition to all of the time I listed above actually being in the salon, I was also expected to attend continuing education classes. In summary, and again this is not an uncommon culture in the industry, if you do not eat-sleep-breathe HAIR, you are told you’re not good and you won’t do well. The only exception seems to be if you have children, but if you’re single/without kids they will work you to the bone.

When I was finally promoted to a junior stylist, I stopped being paid hourly at all. I was told I would get 36% commission for services and I was specializing in color corrections/the blonding journey at the time, so I was doing $200-300 services quite often. Some of those services took 4-6 hours of my time, but if I had no one scheduled I was still expected to straighten up, do laundry, sweep the floors and help other stylists with color application and blowouts. Which is fine, kind of. The problem became that from the start of my journey at that specific salon, I would be expected to arrive when we opened at 10 AM and stay until the owner finished his clients- sometimes I didn’t leave until 11-12 PM, and was expected to come back the next day. 

So yes, one $300 color service could mean that I earned 14-16$ an hour, but… when you’re working 10-12 hour days that kind of knocks it down to minimum wage again.

Then there is the opinion that this is an easy job that so many people can do and you don’t need to be vaguely intelligent to do it. That the people who chose hair are stupid or unskilled. I was sitting on the steps of my school once, reading an Agatha Christie book and comparing certain passages to an ACD Sherlock Holmes story via text message with SpicyMags, when an older couple walked by. The man looked up at the school sign and scoffed, “These girls are getting suckered into a scam. This is nothing but a scam and they’re stupid enough to fall for it.” 

Well, in retrospect, he’s not wrong, but at the same time when you know the blood and sweat and tears- the thousands of hours and dollars that are poured into not only the initial licensing but the continued education classes- being a hairdresser is so much more than people give it credit for. It’s an abusive industry that exploits a lot of unpaid labor and even when you get to a point where you have skill, where you are an artist, you have people asking for a luxury service and then complaining when that unnecessary luxury costs them actual money. 

One last thing I’d love to point out- the 100% customer service guarantee. A lot of salons these days are trying to change, but a lot of them also still have a guarantee that if you don’t love your hair, you get a free redo or a refund. Do you know what that means? Your stylist doesn’t get paid.

So I can spend 6-8 hours on your hair after you tell me it’s been box dyed brown attempting to take you through the lightening journey to get it blond. I can tell you that because of the molecules and ingredients in the dye, the actual damaged structure of your hair, that it is not possible to do it all in one day but I can get you close. I can explain to you the entire process, waste all my time being completely honest with you about how golden it’s still going to look because it IS a journey/process, and at the end you can decide that because I didn’t get your hair to solid white in one go that you want a refund…

And I don’t get paid for the entire day that we spent together. 

That’s some fucking bullshit, but it’s - and this is a quote from several of the places I’ve worked- an “industry standard”. 

The cherry on this shituation cake is that we also don’t get any health benefits, life insurance, retirement- no freaking anything (corporate salons being a slight exception although having worked in the medical field I can tell you the benefits offered by corp. owned salons are not great.)

So please, next time you decide that it’s laughable that a salon quotes you $150 for a craft haircut that takes a certain level of knowledge and skill, remember that the salon gets most of that and if you don’t like it there’s a huge change your stylist isn’t getting paid.

Edit: Things that I did not mention but should have- the toll it takes on your body (repetitive motions and standing in heels on concrete floors cause back issues, neck and hip issues, knee issues, carpal tunnel and risk of cutting off your knuckle with your instruments). I had to sign a release that my school was not responsible for me cutting any part of my body with my shears (I’ve had bosses who lost toes and knuckles). You think that heels thing is a joke? I’ve worked in several salons where ‘female’ stylists were required to wear heels and at least three items of make-up because ‘this was the beauty industry and we had a standard to keep’. Say you gather a clientel and can rent your own chair or booth, you’re responsible for purchasing every single bit of supplies you might need to continue doing what you’re doing, so you’re still having business costs eat into your hourly wage. People need to give a fucking standing ovation to hairdressers, okay, because this industry is brutal.

I’m not saying I dislike doing hair, or that I’d never do hair again, but there are several reasons I’m not doing it right now. 

[microsoftenterpriselibrary4]

Microsoft Teams covers 75M daily active customers, as Zoom readjusts its very own user numbers

Personalized histories for Teams video calls are now generally available, as is a capability for meeting coordinators to immediately "finish conference" by clicking a switch in the control bar, Microsoft announced last week. By the end of April, Microsoft is guaranteeing that Groups will certainly support up to 9 noticeable participants at once on video clip phone calls. A photo shared by Microsoft suggests Groups will certainly have a 3 x 3 grid for viewing 9 participants all at once. Digital meeting devices make it possible for individuals to interact socially, function, as well as team up in powerful as well as new means. The University of Denver uses 2 video clip partnership sources to its community.

Do you have concerns regarding Zoom or do you want to experience Zoom Meetings as well as Zoom Room yourself? Contact our video professionals totally free advice and a presentation. A boosting variety of organizations utilize Zoom as their interaction and partnership solution. Microsoft clients utilizing Skype for Organisation are compelled to reconsider this selection as Microsoft introduced to terminate Skype for Organisation in favour of Teams in 2020.

Guests have the ability to see what they appear like as well as can turn off their microphone and also transform their cam on or off prior to telephoning. Google's user-friendly control can scroll through video streams of speaking individuals, as well as advise you that you are mute if you talk without switching on your microphone. Beneficial attributes consist of presenting the 10 most active participants along with the ability to send out text messages by means of the interface. Zoom Fulfilling offers you information concerning the connection of all participants in the call.

Nevertheless, the business has responded quickly by adding waiting space functionality so participants can be screened plus added verification and also security actions. Microsoft Teams is an all-in-one workstream partnership service which incorporates with Office365. With numerous organizations already using O365, Groups becomes an appealing option as it enables durable interior cooperation, back-ups, and documents share. On the various other hand, Zoom is an attractive choice for external partnerships.

For instance, during a current tiny group telephone call, among my individuals linked from a mobile device using 4G. When his link was secure, I saw a collection of white bars suggesting the toughness of his connection in the reduced left edge of his video. Zoom Satisfying has an one-of-a-kind participant reporting function that checks all participants that reported throughout the conference. Google recently revealed that it will certainly enable free access to numerous video conferencing and communication tools for schools and also companies till September 30, 2020, which relates to all G Suite consumers worldwide. Microsoft lately facilitated the screening of Groups and also their different functions during the pandemic.

It is fascinating to note the convenience with which the workers have used the system and browsed via it on their own," states B. Ghosh, CIO, enterprise as well as corp functions, Mahindra Team, which has been making use of Microsoft Teams because the lockdown started in March. Ms. Jenelle says there's a performative element to videoconferencing, which includes in her very own exhaustion. She really feels as though she always needs to be "on" while joining a virtual meetings, given that she understands other people are watching her.

While there is some function overlap between the solutions, every one has its own specialized. This file will certainly aid assist you to the best device for your needs. Teams aids organisations to interact more effectively through team chat, on the internet meetings, calling, and also web conferencing.

The VP doesn't mention Zoom by name, but this seems an initiative by Microsoft to promote Teams as a safer, much more protected alternative to Zoom. The Redmond firm says it logged 200 million meeting participants in someday this month. Teams is consisted of with Microsoft 365 memberships for companies, and firms need to upgrade to greater versions of those strategies to unlock advanced functions of the program, such as video telephone calls.

It's likewise protection against Zoom-crashing harassers, as well as it's good that the firm is moving in this direction. Zoom claimed it's now concentrating a lot more on its safety as well as re-evaluating the balance in between protection as well as simplicity of usage. While Skype's Meet Now supplies a grid sight, Zoom lets you see approximately 49 people simultaneously, in sets of huge 5x5 grids (attempting to figure it out? Right here's just how to see everyone on Zoom).

The business states you can call your local Microsoft companion or sales agent as well as secure free access to Office 365 E1 prepare for a duration of 6 months. For institutions and establishments, the Workplace 365 will stay complimentary to all.

We provide reducing edge, tailored IT options as well as IT support and maintenance to ensure your organisation IT set-up is as efficient, reliable, and fast as possible. Connect with us to learn more regarding our solutions or to arrange a consultation with among our knowledgeable IT experts. Group video, screen sharing, and also telephone calls are still limited to teams of 20 or fewer. So go on, begin planning that shock workplace party with the new, larger team conversation. Whether in the space or across a sea, Groups as well as the Microsoft Surface area Hub interact to improve conferences for neighborhood and remote attendees.

Is Microsoft Team free?

The free version of Microsoft Teams only allows you to have up to 300 members (users) per organization. Paid plans, meanwhile, up that up to a potentially unlimited amount of members, with an enterprise license.

A guide to requirements as well as functions of the leading three video clip conferencing apps. To date, Zoom, Microsoft Teams and also Cisco Webex have outweighed Google Meet and its predecessor brands, amongst businesses and companies. Introduced in 2017 as Hangouts Meet, it included a videoconferencing extension of the Google Hangouts conversation and also voice communications device. It has actually preserved a solid following among pupils and also for customers.

They can simply develop a web link and send it to loved ones as an invitation to join the video clip telephone call. The participants open the web link in Microsoft Side or Google Chrome, and also they are "in" the call. In this Vlog we take a look at Zoom vs Microsoft Teams to identify the most effective alternative for video conferencing. K2 Technologies is aMicrosoft Workplace 365 Partnerwith almost twenty years of experience assisting businesses make use of modern technology to its fullest potential.

Microsoft assumes individuals who prepare trips with friends or organize book clubs and also social gatherings will be interested in Teams. Alexa ranking https://mnetworks.dk/om-os-2/social-ansvarlighed-csr/ 21 (As of 22 April 2020 [update] Zoom Video Clip Communications, Inc. (Zoom) is an American communications modern technology company headquartered in San Jose, The Golden State. It provides videotelephony and also online chat solutions via a cloud-based peer-to-peer software application system as well as is utilized for teleconferencing, telecommuting, correspondence course, and social relationships. If your video clip gets on during a conference with several participants, it instantly presents to all individuals, including on your own. If you hide on your own, your own video clip screen disappears from your display, leaving even more room to see other participants.

Among the best features of this is that it sustains as much as 250 participants in a telephone call, that makes it useful for big conferences. You can additionally live-stream conferences to up to 100,000 people, helpful for bigger ventures attempting to reach huge groups. The base prepare for Zoom consists of a host limitation of 100 individual, endless 1 to 1 conferences and team conferences yet a 40-minute limit on conferences with 3 or even more individuals in them. Shutterstock is another popular graphics web site giving free backgrounds to personalize Zoom and also Skype telephone calls.

It's additionally worth noting that cloud storage space is limited, so be careful how many conferences you document while utilizing the mobile app. The business has made several moves to counter these problems and also assure users about the value of protection and also privacy. This includes basic points like removing the conference ID from the title bar of the phone call so if customers share screenshots on-line the meeting isn't revealed to future misuse. If your system manager has a Pro, Business, or Venture account, you can authorize up and download Zoom onto your computer system using your work email.

Furthermore, it has to be stated that Groups takes rather a great deal of time to set up, so bear that in mind. Microsoft Teams allows you share Workplace documents and service them immediately from the work area. Slack doesn't included the option of modifying papers from the work area, so you need to download documents as well as open them in certain applications to edit them. The most important thing to recognize is that Slack's dimension restriction for submitting is 1GB, while Microsoft Teams is covered at 15GB. We really did not bother to inspect these numbers and upload gigantic files-- we were extra interested in exactly how you can collaborate in these apps.

How do you see everyone on Zoom?

Now, a report by Bleeping Computer claims that half a million Zoom accounts have been hacked and the data from these accounts have been sold on the dark web. These Zoom account credentials reportedly included email address, meeting URLs, passwords, and HostKeys.

Google has claimed it will certainly offer Hangouts components as separate customer services, such as Chat, Messages and also Duo. " Due to the fact that video conferences have never ever been more vital, we've been fast-tracking one of the most requested features for Meet, and also are currently making them offered to all," composed G Suite VP and also GM Javier Soltero in a blog. Google Meet now has a tiled gallery view with a format that currently supports 16 participants, up from just four. They can likewise now pick better video clip by switching to the 30 frameworks per-second video mode choice.

Just like in a routine Teams meetings, you can now include your system audio when offering in an online occasion. Presently, this attribute is only available for producers and presenters signing up with from the Teams desktop computer application for Windows.

No Wire Necessary-- Security & Safety And Security In A Wireless World.

allows individuals to satisfy in person from a desktop, laptop, mobile device or video clip conferencing endpoint. It utilizes the trusted Cisco infrastructure and incorporates with Webex Teams as well as with various other famous suppliers such as Microsoft. Meanwhile, in Italy, service applications like Google's Hangouts Meet and also Classroom were one of the most downloaded and install of any classification of apps this week. Do you know when this feature for Microsoft Teams Room Equipments to join Webex and Zoom conferences will be released? Older Cisco rooms will certainly have the ability to join Microsoft Teams Meetings by means of Cisco's forthcoming CVI service.

To try it out in your next meeting, press Ctrl+ to zoom in as well as Ctrl- to zoom out. Create a welcome web link to invite people to join your org on Teams free by means of the app of your selection. When they click on the web link they'll be sent out to a webpage to demand to join your org-- so you know specifically that's utilizing the web link to join.

Microsoft is additionally coming out with versions of Teams for personal and also family usage. Microsoft has seen a 775 percent rise in cloud solutions across areas that have implemented social distancing because of COVID-19.

Is Zoom owned by Google?

Microsoft originally acquired Skype for $8.5 billion back in 2011. It was the same year that Zoom and Snapchat were founded, and Apple launched its iPhone 4S.

IT specialists can likewise access Microsoft Teams also if their firm is not certified for Groups. They can call their Microsoft companion or sales representatives for free access to the Workplace 365 E1 plan for 6 months.

So, we decided to submit an 800MB video clip documents in Microsoft Teams to give it a shot. To our surprise, the documents not just opened promptly yet likewise played within Microsoft Teams-- very impressive. It's even more budget-friendly than Slack or Microsoft Teams while providing advanced attributes such as endless message history and also sound and also video clip calls. To cut the story short, the least expensive Workplace 365 Strategy that has Teams in it is called Service Basics. It costs $5 per user per month and you need to buy a yearly strategy to get going.

Within this contrast, I want to look closer at both what these tools supply, however how the tools and also their organization result in an inevitably various platform emphasis. As an example, Microsoft Teams appears to master Office 365 based cooperation, meanwhile, Webex Teams is an incredible virtual conference system with digital whiteboarding, in addition to a concentrate on equipment. But it is essential to acknowledge what solutions as well as Office applications your service get to based upon the strategy selected. As an example, even the Free offering of Microsoft Teams provides access to shadow variations of preferred Workplace Apps, however none other services or downloadable versions of the software application. With more individuals, even more files, more conferences, more cooperation, a lot more video clip meetings, more whatever; larger companies merely need the tools to deal with and also facilitate this higher degree of cooperation and emphasis.

What is the difference between zoom and teams?

Through the Microsoft Teams Zoom Meetings tab, you will be able to start, schedule, join meetings, or share your screen. Meetings created in Teams will automatically appear on your Zoom account. This article covers installing, configuring and using the Zoom integration for Microsoft Teams.

It's a little on the expensive side but they just recently expanded their product to currently supply display sharing and also video conferencing. Google Hangouts is our pick for best video conferencing software application for small teams. The web video clip variation is called Google Hangouts as well as is what our group makes use of at We Rock Your Internet. When it comes to on the internet conference solutions, we contrast the ideal video conferencing software application and also review why some of the most identifiable companies might not be your finest option.

This is in fact cheaper than Slack's most affordable strategy (Conventional), which costs $6.67 per individual per month when billed every year. It makes the price much extra eye-catching when you take into consideration the truth that $5 invested on Microsoft Teams additionally provides you access to Workplace 365. Nonetheless, if you intend to get the most out of Microsoft Teams and also Slack, you'll need to obtain a paid strategy. In Microsoft Tools, that suggests that you require to have an account that is either Business Premium or Essentials.

As preferred and as useful Zoom has been for many organisations, the safety and personal privacy elements are still not there. Microsoft Teams transcends in the feeling that due to it's association with Office 365, there are added methods to increase your standard protection. Password freshens, credibility symbols and 2 element verification process-- Zoom just can not compete with these extra levels of safety.

According to Microsoft, people in Norway and also the Netherlands turn on video clip as well as use it the most, with about 60% of conferences in the country including video clip. Right here in the United States, the number is about 38%, and in the UK, it has to do with 47%. Microsoft Teams currently has attributes that assist make video talking easier, and extra get on the means. That currently includes history blur, which helps conceal your background during a telephone call.

You can manage whether to hide or reveal yourself in your own video clip display screen for each conference. As an existing Skype for Organisation client, the full shift to Groups may take a little time. Thankfully, the overlapping capabilities of both apps imply you do not need to do it at one time-- there are a couple of different conjunction as well as upgrade settings to consider when selecting your personal course to migration. Although Groups takes much of its DNA from Skype for Business, both are really various solutions. When you placed them side-by-side-- Microsoft Teams vs Skype for Service-- you'll see that Teams provides a lot more, bringing together files, talks, and also applications in one area for a much more full, integrated cooperation remedy.

Why is teams better than Skype?

According to a recent Forrester study, shared workspaces like Teams can save users time—from one to eight hours per user per week, depending on their role. The wins from making the Skype for Business upgrade to Teams are clear: faster, more efficient working and collaboration.

Though Microsoft Teams as well as Skype for Organisation does differ, there is some considerable overlap. Both Skype for Company as well as Microsoft Teams include team chats, straight messaging, and voice calling. Though Microsoft Teams initially really did not have the calling capability that Skype did, it still had both voice chat and video clip calling functionality.

After that you ought to leave the conference, if you're not using Skype to meet with a person. Then it won't utilize a lot information and also you don't need to bother with the video/audio quality while you're not in a conference. Webex has unrestricted free meetings for up to 3 individuals and offers the premium includes complimentary for 2 week.

Still, it's improving all the time, and is certainly something to try if you are taking a look at an alternative to Zoom. Jitsiis a extremely cool and safe open resource app that's recently launched to the marketplace.

As several churches relied on Zoom for live-streaming, Sunday morning ended up being prime-time show for a vital group of Zoom individuals. The largest customer of teleconferencing is India Inc, which began its fiscal and also established targets with a flurry of web conferences. " We have done greater than 350,000 conferences, greater than 60 events with hundreds of individuals in each.

For large range company meetings with coworkers or calls with numerous good friends, Zoom for desktop is the only sensible choice. Free Zoom supplies video conferencing for approximately 100 individuals, supplied the conference competes no more than 40 mins, at which point guests are ejected from the meeting. If you don't mind the headache of dialling back in, though, the host can merely begin another telephone

[vocaotome]

Interactive Queer Fantasy Novel Review - Moonrise

A couple months ago I was invited to try out Moonrise, a text based urban fantasy interactive novel by Natalie Cannon. Although I usually stick to visual novels, since I had played and enjoyed other choice of games before, I decided to give Moonrise a try and write a review for it.

While the game had an interesting premise with smooth, enjoyable prose and witty modern humor, my overall experience has been a rather mixed bag, probably because I don’t appear to fall into the specific audience for the game. I’ll give a vague outline of the plot and share my impressions while trying to not give too much away. In order to prevent constantly switching between “the player”/“you”/“us” etc, when referring to the character we are playing I’m going to use “Heather” (a name from the list of choices available, you can also type in whatever you wish) and “she”.

Full review under the cut, or on wordpress if you prefer it instead.

Gameplay

The basic gameplay of Moonrise is the same as most games on the choice of games platform, all text with no graphics and only stat based choices. The game offers the option to choose between she/her and they/them pronouns at the very start, but as per the basic game premise (supernatural celebration of queer femininity), player cannot identify as male in this game so no he/his pronouns. Choosing between cis/trans/other/not saying is also available, though I felt that there was an assumption that the player is not cis or at least is someone who is pretty invested in using specific pronouns (early game it's mentioned that "you" talked to Alice about your pronouns).

While the game description claims that the main character may be asexual and there are dialogue choices which allow you to refuse romantic advances saying you are asexual, I felt that the narration didn’t really reflect that since there were many parts in the common scenes (regardless of route or picked choices) where you express strong attraction towards beautiful women. The 3 love interests were pretty likable and varied in their backstories and personality, although I wish all of them got equal amount of screentime (your roommate inevitably gets more scenes than the otherworldly goddess you meet in the last chapter). You can date just a single person or multiple people at once.

The players also get to choose between being “Fierce” (20% initial boost to Bloodthirst, Uncanny, Defense attributes) or “Civilized” (20% boost to Empathy, Responsibility, Snark attributes). The choices throughout the game either raise these attributes further or improve your relationship with the love interests.

For those who are concerned about homophobia, Moonrise very briefly mentions the existence of homophobic people but for the most part all the characters treat LGBTQA+ people as very normal (example: Heather finds Alice's puppy love for a girl in her class very cute), so no need to worry on that account.

 Plot

The pace of the game is pretty fast right from the start, we begin with “Heather” directly being thrown into a situation where the player has just transformed into a wolf. Another werewolf called “Alice” soon finds us while Heather is confusedly struggling between canine instincts and human reason. I really liked the part where "you" still are convinced that you are a 100% pure wolf and are completely operating under that impression, lol. All the wolf related terms also are rather endearing, time to refer to all my close friends as my packmates <3

At first I was a little bit wary of Alice, who is revealed (within 5 minutes of playing) to be the one to have turned Heather into a werewolf, but she grew on me very quickly, especially with her youthful admiration of Heather and the open vulnerability she shows to us. I’m also grateful to her for helping Heather turn back human, the idea of getting stuck as a wolf forever (which Alice mentioned happening to some people) sounded pretty disturbing. (I did giggle at how Heather was like “bleh, wolves have it better, no student loans”)

Alice returns together with Heather to Heather’s home which she shares with her best friend and roommate Rosario, the first LI we run into. I liked Rosario’s character and sense of humor a lot (random: I bust a lung laughing when the narration mentioned them lightly smelling of weed), though I wish the narration used less jargon when explaining Rosario’s lifestyle as an adventurous and dynamic queer person (this issue popped up a couple of times later in the game too, though not frequently enough to be a deal breaker). The below paragraph made me stare for a solid minute before I managed to comprehend everything.

Rosario is super relieved to see Heather safe and quickly warms up to Alice, and in order to develop a relationship with Rosario (also if you’re interested in building up your empathy stat, very useful for diplomatic options) we must be friendly towards Alice and let her stay in our home. To be honest it's hard to be an asshole to Alice, she’s a cutie. I liked it when Alice was described during this scene to have corkscrew hair and dark skin, yay for varied designs!

Anyway, around this time we learn that Heather is a doctor-in-training working for their residency. I laughed at the part where after picking a choice, the prose apologized to me for doubting that I'd call work to inform my circumstances.This is the point where the free part ends.

Regardless of whether we go to our job, meet our coworkers and interact with patients, or go all SCREW U to your job and hang around in a park (irresponsible, imo, you’ve been missing for a day because of this whole wolf business), you run into the second LI, Chika, a seemingly cold and quiet young doctor who works in the same place as Heather and is actually also a werewolf.

She also seems to have harbored a strong crush on Heather for quite a while, even during routes where I've acted very distant towards her so far she pretty much immediately confesses and we get the option to kiss her. Personally I prefer more buildup in romantic relationships in my stories, but I guess this isn’t surprising considering that we have already spent about 2 chapters on the prologue and this is a short game consisting of only 8 chapters.

The next few chapters are a mix of slice of life situations where Alice, Rosario and Heather blossom into a pretty cute makeshift family, with optional scenes of bonding in wolf form with Alice. Alice also gives us a lot of information about the vampire and werewolf lore of this world, and informs Heather about the 2 opposing factions of the supernatural society: the masquerade, who prefer to keep the human and supernatural worlds separate and operate as an organization under strict rules of secrecy, and the rogues, who prefer a wild and free approach in life and wish to go public about the existence of supernatural creatures.

Not gonna lie, the masquerade sounds amazing on paper, being their part apparently means getting your university tuition paid and guaranteed jobs after graduation, that sounds like a dream lol. However they are a bit to stuck up for Alice’s tastes, especially because of her foster parent who is someone high up in the Masquerade and pretty unpleasant. Rogues sound rather bad at this point since Alice mentions being “hunted” early game and they are supposed to be the ones “after” her.

In Chapter 6 we run into Cassandra, a vampire and the foster parent mentioned above, who pretty much kidnaps us to her place. Over the course of a very tense and threatening conversation, she gives us plenty of reasons to NOT consider signing up for the masquerade, though I think that was the opposite of her intention. The game's description of Cassandra's attitude towards young people like they were "particularly ugly vase that begs to be shattered" sounds so accurate to how some old people act lol. We have to escape Cassandra by choosing either diplomacy or violence, and choosing the wrong option that you don’t have enough attributes for can get you killed.

(Random: Cassandra being portrayed positively in some future scenes after claiming to eat her servants is unnerving. I hope that was a joke ;;;;)

If chapter 6 was the one familiarizing us with the masquerade, chapter 7 is the equivalent part for rogues. We meet up with Chika who is relieved to see Heather safe (even out of her route she acts way too familiar when it comes to physical distance with Heather, her cold queen settings vanish when it involves the person she likes, lol), and reveals herself as the leader of the rogues. We get a bunch of information about the rogues’ motivations and plans, and the misunderstanding that they want to harm Alice is cleared up.  (It’s also possible to get some more explanation earlier in the game if you acted all wolf-y right from the start and went on a solo wandering trip which Chika joins)

After the conversation Chika springs a sudden offer for a date on Heather, which made me giggle during the walkthroughs where I rejected her hard. It was extra funny because we had been talking about serious stuff™ right until that point. It is possible to go on a date with her and have a sexual encounter afterwards. All dates in this game can end in sex, but it is optional.

There is a scene with Rosario where we hang out and have some heart-to-heart talk soon after the encounter with Chika, and this can end up being a date depending on our choices, regardless of whether we are already dating Chika or not. I think there is a malfunctioning romance flag here because Rosario talks as if I’m dating Chika even if I have refrained from ALL romantic choices with Chika.

At the start of chapter 8 we are forced to choose between the masquerade and the rogues, though considering the way the representatives from these groups (Cassandra and Chika) have treated us until this point, choosing the masquerade seems like madness.

~~~~~~~

If we choose the Masquerade, Alice and Heather visit Cassandra again to join the society. We meet people other than Cassandra who thankfully are pleasant enough, and suddenly a masquerade member came to seek Cassandra’s help and we ended up being asked to help perform some ritual to teleport somewhere and rescue/steal Dracula's brides??? What? I was very confused during this part because the story flow suddenly became very fast and I was having difficulty keeping up.

During this mission there is a possible dead end (ironic, the people who we went to rescue end up accidentally killing Heather), but as long as things go smoothly, we encounter Ishara, the last LI who a special werewolf from some other far away place (planet? dimension?) and treated like a goddess by the supernatural community because of her special powers and JAW DROPPING BEAUTY. She likes the way Heather treats her casually unlike everyone else, and there is another sudden date offer.

After the rescuing of Dracula brides, we get a slice of life-ish scene with them, Cassandra, Ishara and Rosario in a coffee shop. This is where we finally get some backstory on Cassandra and learn about some of her positive points, being a lesbian Robin Hood of sorts isn’t something I expected from her XD

Although I don’t think it’s possible to keep your relationship with Chika intact in this path, you can talk with your other 2 love interests about the nature of your relationship (open/closed, romantic/queerplatonic). There was one playthrough when I somehow found Ishara sitting on Heather’s lap and kissing Rosario, wild.

Before the final fight, there is a brief scene where Chika meets up with Heather and is quite heartbroken over her choosing the masquerade. Soon after that the day comes where we face off against the Rogues who have decided on a kill or get killed approach.

~~~~~~~~

If we choose the Rogues instead, there is no falling out with Chika (she’s ecstatic to have Heather join them) and we visit the Rogues’ hangout instead. After some socialization we embark on a journey to find Alice’s biological dad who is a powerful but loner werewolf and a possible valuable ally for our fight against the masquerade. This course of option made a lot more sense to me than the Dracula bride thing in the masquerade route.

We manage to locate the man and he joins our cause (I laughed at Alice and his naked reunion, the side effect of transforming between wolf and human forms), not only because he’s annoyed by the masquerade’s way of doing things but also because he suspects them being involved in the death of Alice’s mother and Alice becoming a werewolf (werewolf genes aren’t hereditary). In the Masquerade route Cassandra claims to not have done it, so I’m curious what exactly happened.

We also run into Ishara while on this mission (I’m curious how she is here instead of wherever she was during the other route, how exactly did the butterfly effect work?), and similar to the Masquerade route, get the chances to flirt with her and go on a date. It was interesting how Ishara sex scene has a little more detail than others, and extra text about being trans if your character is trans too (If you are cis she just mentions it during the date).

After the mission there is a party where we can do a lot of socializing, and similar to the masquerade route, confirm with your love interest(s) about the nature of your relationship. Then once again it is the time for the final fight, only this time it’s the Masquerade attacking us.

~~~~~~

I must admit that I was somewhat disappointed with how brief the final fight was. The few paragraphs leading up to the fight are pretty much the same in the Masquerade and the Rogues version, then we simply get to choose between persuading for peace, fighting to kill or to defend. Every one of these choices only have one paragraph explaining the result. During my first playthrough this caught me by surprise as I was expecting to actually read a tear jerking speech about living together in peace, not just a super concise summary. The epilogue is also basically just that, a sentence each about the final fate of the characters who stayed with you until the end.

 Final thoughts

Writing: The prose is where the game shines. The usage of uncommon (but not unknown) vocabulary in the more metaphorical imagery was lovely.

However, there are places where some unfamiliar LGBT terms or custom pronouns caught me off guard and made me pause to look stuff up. Personally I believe using too many technical terms in stories makes dialogue sound a bit forced and disrupts narration, but thankfully such instances weren’t very common in moonrise.

The humor was great, me frequently laughing over random things while describing the plot should be proof enough of that. The worldbuilding was done with a lot of care and the flow of plot was pretty logical for the most part, but towards the end I couldn't comprehend the logic behind some events and even after multiple playthroughs I haven't found any explanations for a couple of things, like the real mystery surrounding Alice's mother's death.

Characterization: Characterization was good but varying in quantity- Rosario and Alice were pretty well rounded character development wise and I loved their cute family-like interactions. I was all AWWW when Heather called the place with them her home ;v;

Compared to that Chika felt more of an enigma, but her date and the optional running off into the woods scene still gave her some chances to develop (though it mostly confirmed that she was a good person wishing for freedom and we didn’t really learn much about her personal emotions aside from liking Heather). Poor Ishara got even less chances, so all I managed to grasp was her loneliness. All three of the romance interests shared the issue of overly rapid romantic developments though, though in varying extents (repeat: poor Ishara).

Some side characters like Cassandra got detailed backstories, but it’s hard to grow to like her after experiencing ends where we got killed at her hand over something small. Because this story is only available in the masquerade path and there is no foreshadowing about her positive qualities before the route split, a lot of people might simply never play this path.

Player customization: I also wish the game description didn’t imply that the player character can be customized a lot. Considering how it was implied that the player had an abusive family and is trying to become a doctor because she wants to do and be “better’, imo the already present backstory is too defined for story to be immersive. I personally don’t seek to self insert so it’s not a problem for me (I PREFER this to a blank slate), but it may be for others who came into the game with wrong expectations.

One more thing I would like to see implemented in future versions is choosing if I was polyromantic/polysexual or not at the start of the game. Regardless of whether the player has locked into a romance route or not, "you" still keep thirsting after the beautiful possible LIs that cross your path. I found that rather distracting during my first playthrough since I was playing the game while planning to develop a monogamist cis lesbian character and I felt a disconnect whenever it happened.

Ending: Lastly, the ending. I don’t mind the short epilogues, but the description of the “final fight” was simply so short that it felt anticlimactic, so I will just hope that the ending will be more extended with detailed scenes in a later version.

In summary? Good prose, interesting worldbuilding but too-short romance and rushed ending. Worth a read if you like modern fiction with fantasy supernatural elements involving lots of queer characters and aren’t overly critical in your evaluation of the flow and logic in a story. The game is really cheap though, the amount of content you get is definitely worth $1.99, so if the game sounds like your cup of tea go ahead and try it out!

P/S: A short guide on maxing out the relationship points: being nice to the LI is a given, go on dates with them, and pick the following choices which might not seem obvious (I might be missing some choices that seem obvious to me but actually aren’t orz):

Chika: Ask Naoki to move but politely, Hold her hand (during date), Ask to come up for “coffee” (sex/literal coffee), Don’t choose the masquerade (duh)

Rosario: Embrace her, We let her (Alice) live here, Yes, spar without hurting

Ishara: Compliment, Flirt Back

[amnewsfeed]

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One Minute Magic Rating $12.95

Overall

4.8

Effectiveness

Price

Ease of use

Support

Sending

User Review

5 (1 vote)

Summary

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[awesomelephuoclocblog-blog]

Upreachr Review by Victory Akpos ~⚠️[STOP] Does IT Worth To Buy?

https://lephuocloc.com/upreachr-review/

Welcome to my Upreachr Review. I am Raju Bhadra an Affiliate Marketer, YouTube Influencer and a Professional Review Writer of various get money related strategies, programming, and getting ready projects. Today I will give my genuine knowledge about the 'Upreachr' traffic creating programming that starting late revealed by Victory Akpos. 'Upreachr' Finds the concentrated on influencers on Tik Tok, Instagram, Reddit, Tumblr, Youtube, Twitter and Blogs. By then you can contact them and courses of action to get tremendous concentrated on traffic on complete autopilot.

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How Upreachr Works in Just 3 Steps – Upreachr Review

Upreachr Review

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Upreachr Walkthrough

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[callunavulgari]

Year-In-Life | 2019

Or that annual New Year’s meme about yours truly.

1. What did you do in 2019 that you’d never done before? Had abdominal surgery! I spent most of April either doped up or unconscious. Long story short, I had an ovarian cyst that they thought was twice as big as my fist. So they fast-tracked me to surgery, and discovered that while I did have an ovarian cyst that was pretty large, most of the issue was that my bowel had fused to my uterine wall. Or was it abdominal wall? Either way, my bowel was glued to where it shouldn’t be and very angry because it had a fairly large pre-cancerous polyp in it. Which I found out a week after the abdominal surgery, when I had to have a colonoscopy. Which leads me to...

Had to do three different bowel preps in less than a month! It’s really not fun, guys. But, I got a cyst removed, a polyp removed, a metric fuckton of endo removed, and got my bowel back where it should be. Also, they confirmed that I can have babies! Which I didn’t know I was so fucked up about until I started crying about it post surgery.

Oh, also I peed in a bedpan. That’s also something I’ve never done before. And and and, been sick on Christmas! - Adding Tanya later in this post means I remembered something else I’d never done before - jumped into a pool fully dressed. Then became... no longer dressed.

2. Did you keep your new years’ resolutions, and will you make more for next year? Still don’t remember what my resolution was which- hey, 2020 Heather! Your 2019 resolution is to legitimately lose weight (she says while eating cotton candy ice cream out of the tub) and quit smoking again. Also, maybe be engaged. But mostly, the weight and the smoking thing. 

As for 2019 resolutions- I can guess what they were, which probably boiled down to losing weight. I put on about 20 pounds after surgery and haven’t lost it, because shocker, abdominal surgery really fucks with your core strength. Pretty sure there was something in there about reading 100 books (done), beating 4 games (done), and write something original (done? technically?) and/or novel-length (negative). 

3. Did anyone close to you give birth? High school people and a few old coworkers. Nick’s cousin and his wife just had their third kid though. I think it may have actually happened on Christmas. 4. Did anyone close to you die? No.

5. What countries did you visit? Alternatively, what is your favorite place that you did go this year? No countries. Went to North Carolina for our possible last beach vacation. In January we’re going to Vegas for our friend’s wedding, which will be interesting. They’re getting married on a ferris wheel by an Elvis impersonator. May also go to Maine this year, but not sure yet because I only have a certain amount of vacation time. 

6. What would you like to have in 2020 that you lacked in 2019? Didn’t get a ring, yet. But we’ll see. We also didn’t get the house yet, so lets recycle those wants! Also, while we’re shooting big here, how about a better goddamn president?

7. What date from 2019 will remain etched upon your memory, and why? Started my second big girl job on November 18th. Had surgery on April 12th. Not a whole lot else stands out. 8. What was your biggest achievement of the year? Got a new job! With more money and more responsibility and will look really good on a resume! Didn’t kill myself? Which sounds pretty morbid, but I had a lot of pain in my life earlier in the year. 

9. What was your biggest failure? Not... losing... weight? Because I really need to do that. The heartburn bullshit will likely go away. The sleep apnea thing will likely go away. Your health in general will improve. And you don’t even like food that much anyway!  10. Did you suffer illness or injury? I think I’ve had the flu twice this year and again, abdominal surgery, so yes. 11. What was the best thing you bought? I got nice clothes? Most of the other shit has been knick-knacks. I got more books. A new bookshelf!  12. Whose behavior merited celebration? I don’t know. Mine, I guess. I mean, 2019 wasn’t the worst, but it definitely has not been great.  13. Whose behaviour made you appalled and depressed? I have a friend. Let’s call her Amanda. Yeah, her. She’s blown us off a lot this year, which really sucks. The rest of it is her own decisions that only affect us because it’s inevitably going to affect her in a terrible way, but the blowing us off and only using us as passes for free food and ways to do her laundry really sucks.

14. Where did most of your money go? Surgery! My OOP may have been met in April, but the surgery itself was $48,000. I’ve only had to pay about $6,000 because my OOP was 5k, but that still hurts. And my dental sucks, which means I paid out of my ass to fix my teeth. Also, I bought way too many clothes and books. 15. What did you get really, really, really excited about? I do still appreciate having a job with decent money. The new job will have insurance after my 90 day probation period (yeah, because you can’t have health care for 3 months even if you work in health care because you’re new). I’m glad that I caught the polyp before it became cancerous. I was happy I could have babies. I got excited about the new His Dark Materials series and The Witcher series and Kingdom Hearts 3 and God of War, and probably at least a couple other fandom things.

16. What song will always remind you of 2019? Face My Fears. Curse of the I-5 Corridor. Hadestown soundtrack. Transistor soundtrack. Wasteland, Baby! album. Billie Eilish in general. Lark of My Heart. But mostly, Face My Fears and Don’t Think Twice. 17. Compared to this time last year, are you: i. happier or sadder? Sadder, probably? 2019 wasn’t great. ii. thinner or fatter? Fatter.  iii. richer or poorer? Technically probably on par with where I was last year? I didn’t save quite as much as I wanted to with the surgery happening. Also, my car needed some pricey repairs this year. 18. What do you wish you’d done more of? I do wish I’d written more this year, but I wrote a lot in October. Possibly more than the last two years combined, which was nice. And I read a lot. I kind of wish I slept more. Or ate better. Or worked out more. I’m just really tired this year.

19. What do you wish you’d done less of? Spent less time with doctors? But I mean, taking care of myself is good and I’ve never had that option before.

20. How will you be spending Christmas? Spent it mostly sleeping. We got a bug that was either a really bad cold or a flu, so I’ve spent the last week generally shitty and sweaty and tired. First year that we haven’t been able to do Christmas basically at all. But we spent the hours between 6pm on Christmas Eve and 10am Christmas morning have the most restless goddamn sleep in the world and then opened presents and watched Love Actually and some television (the last two episodes of the Witcher!) while kind of napping on the couch, and ordered Chinese because it was hungry and the only thing open. 21. How will you be spending New Year’s Eve? Think I’m going to make the pirozki on Sunday, and then we’re doing a gift exchange with some of our friends at his mom’s house. 22. Did you fall in love in 2019? Eh. Still love him.  23. Best month for you this year? Clearly me having a good 2018 while everyone else had a shitty one guaranteed 2019 to be shit, because I honestly don’t fucking know. October was nice. So was August. But fuck most of the rest of it.

24. What was your favorite TV program? Of just 2019? Russian Doll, Glow, The Dragon Prince, Good Omens, Schitt’s Creek, The Terror, Chernobyl, Buzzfeed Unsolved, She-Ra, His Dark Materials, The Witcher... 2019 may have been a meh year, but it had some good shows. Of those, I think my favorite was probably either The Witcher or Good Omens, with His Dark Materials, Russian Doll, and The Terror tying for third. 25. Do you hate anyone now that you didn’t hate this time last year? Eh.

26. What was the best book you read? Red, White, & Royal Blue was probably my favorite. I also read Sanderson’s books this year though, which were also absolutely amazing. Mistborn and The Stormlight Archive were wonderful. It was a pretty great year for books too. Books and TV, well done 2019. Middlegame, The Ninth Gate, a lot of rereads. Best one was still Red, White, & Royal Blue though. 27. What was your greatest musical discovery? Do Utada Hikaru’s new Kingdom Hearts anthems count? Because Spanish Sahara by Foals, Obstacles by Syd Matters, the new Hozier album, and the Hadestown soundtrack were all wonderful musical discoveries. 28. What did you want and got? I don’t know. New clothes? A laptop? Confirmation that my ovaries work?

29. What did you want but didn’t get? Well, I lost the bet with Brandon. No ring by the end of 2019. No kids, either, but we aren’t quite there yet. No house. No perfect health? Is that a thing?

30. What was your favorite film of this year? I liked Into the Spiderverse a lot. Detective Pikachu. Rocketman.Frozen 2. Endgame was all right. I didn’t hate the new Star Wars. Toy Story 4. IT. It wasn’t a super great movie year for me.

31. What did you do on your birthday, and how old were you? The big 3-0. It was all right. The night before we went to Fujiyamas with a couple of our friends, then on my birthday we had breakfast at First Watch, did some Christmas shopping, and went to the Zoo Lights a little after 5. Froze to death because it was snowing and shocker, when snow melts you get wet, but it was nice. Then had a late dinner at Mackenzie River, because it was one of the only places still open and close to our place.

32. What one thing would have made your year immeasurably more satisfying? Hah! A better president and a ring is the only thing that I didn’t get from my wishes last year. ----Hmmmmm 33. How would you describe your personal fashion concept in 2018? I did not give up and buys Scrubs. Instead I have a perhaps slightly oversized work appropriate selection of jeans (for Fridays), work slacks, blouses/sweaters, dresses, and skirts. I spent a little too much on clothes this year. I blame discovering Torrid. 34. What kept you sane? Reading was really, really great this year. - STILL leaving this answer, three years running! 35. Which celebrity/public figure did you fancy the most? David Tenant made a shocking comeback after Good Omens aired. 36. What political issue stirred you the most? FUCK DONALD TRUMP IN THE EAR 20156789. —– Ayyyyy, this was my response from last year, and apparently also the year before and the one before! Hello past me’s, don’t worry, it’s still getting worse. 37. Who did you miss? Myself. Also, my brother, who is still in jail almost a year later and still no fucking trial. 38. Who was the best new person you met? I don’t know. Oh! I do know! I really like Tanya. 

39. Talk about a new friend that you made this year: Tanya is awesome and pretty and fun and possibly at least a little bit crazy, but we all fucking are, come on. She got to come with us on vacation this year and it really made it interesting. Also, Shay and Alicia. I knew them last year, but got to know them pretty well this year.

40. Post a picture from the beginning of the year:

Took this one about 20 minutes after midnight on January 1st, 2019 after my first successful round of Battleshots. The hat went to the winner. It is not the most flattering picture, because I had been drinking already before I had to take four shots of Satan’s cinnamon liquor.

41. Post a picture from the end of the year:

Taken on my birthday, at the zoo. Again, snow melts.

42. A memorable meal discovered this year? Not sure? There’s not a whole lot of new food we haven’t tried. One of the pharmacists brought in some authentic Indian food for one of the potlucks we had and I don’t remember what it was called but it had rice and eggs and was amazing.

43. What was your favorite memory this year? I don’t know. We saw both Hamilton and Les Mis this year and they both reduced me to tears. I also had some good moments with books and tv shows I watched with Nick.

44. What are you excited for next year? There’s a couple new books. The election. Some tv shows, I think? Games? I don’t know, man. I’m trying not to come off as horribly depressed but I am kind of pretty depressed and nobody will ever know because the only person who ever gets this far into reading these things is me, so- hello 2020 me, you were really sad on December 26th 2019 and honestly for most of the year, so I sure hope 2020 is the year that we fucking seize life by the horns or however that saying goes.

45. Tell us a valuable life lesson you learned in 2019: I feel like my message from last year is fucking taunting me. Legit though, this is not the worst thing you’ve ever been through. You have a boyfriend who loves you, two wonderful cats that better not fucking die anytime soon, and like, I don’t know, working ovaries. A job. A car. An apartment that has a kind of shitty kitchen and a bath tub that might as well not exist, but is still an apartment! Which is more than some people have! 

I guess my message from last year (it gets better) is in almost direct opposition of this year, which is basically: it could always be worse. 46. Quote a song lyric that sums up your year: Feed me sunlight, feed me air In a place where nothing matters Feed me truth and feed me prayer

(seriously, deliriously happy 2018 me quoting singin’ in the rain is taunting me wtf)

First Fandom of 2019: January of 2019 was pretty solidly Detroit Become Human. It hit me hard. Favorite Main Character of 2019: Jonathan Sims. I was a slut for the Archivist in 2019. Favorite Villain of 2019: Elias from The Magnus Archives, maybe? My only other response would be.. dun dun dun, Ben Solo aka Kylo Ron or whatever Favorite M/F Couple of 2019: I... am back on my Reylo bullshit. Favorite F/F Couple of 2019: Can I say Villanelle and Eve even if I didn’t really dip into the fandom? No? Okay, Catra and Adora. Favorite M/M Couple of 2019: Okay, so the three that got me this year was Hank/Connor, Jon/Martin, and Ryan/Shane.  Fandom That You Never Expected To Get Into: Um, Buzzfeed Unsolved. Never would have guessed that one. Also like, while I would have expected Detroit Become Human I never would have guessed my favorite ship. Fandom That Made An Unexpected Comeback: Sigh. Twas that Reylo smacking me in the face at the tail end of 2019. Fandom That Inspired The Most Crack: Insert shrug? I read a weird Buzzfeed Unsolved fic above Mothman giving the guys sharable dreams (that were sometimes weird and sometimes sexy) until they boned. Last Fandom of 2019: Sighing again. Reylo. Though Yuletide has made it so I’ve read a lot of Queen’s Thief stuff. Favorite Fandom of 2019: I think that Buzzfeed Unsolved was my favorite purely from a fic standpoint, but Detroit Become Human and The Magnus Archives were both really great too.

[jennifer-petrin]

Top 20 Instagram Marketing Tools Part-1

1. Grum

Grum is a planning apparatus that lets you distribute content (both photographs and recordings) on Instagram. You can distribute from different records simultaneously and label the clients. You can do that directly from your work area.

Value: Starts at $9.9/month. Offers a free preliminary for 3 days.

2. Awario

Awario is a web based life observing device that discovers notices of your image (or some other catchphrase) over the web, news/sites, and online life stages, including Instagram. By breaking down notices of your image on the stage, it discloses to you who your image backers and who the business influencers are, what the assumption behind your image (positive, negative, or impartial) is, just as the dialects and areas of your crowd. It additionally examines the development and reach of your notices, and discloses to you how you contrast with your rivals.

Value: Starts at $29/month. Offers a free preliminary for 14 days.

 3. Cradle

Cradle is another booking apparatus. In any case, it incorporates Instagram among other informal communities as opposed to concentrating on Instagram alone. With Buffer, you can plan substance to be distributed across Instagram, Facebook, Twitter, Pinterest, and LinkedIn. You can distribute the equivalent or various messages across various stages. You can likewise audit how your posts are acting as far as commitment, impressions, and snaps.

The apparatus can be utilized by up to 25 colleagues, and you can allot them the suitable access levels. Value: Starts at $15/month. Offers free 7-day or 14-day preliminaries relying upon the arrangement.

 4. Hashtags for likes

 Hashtags for likes is a basic device that recommends you the most drifting pertinent hashtags. Knowing the most well known hashtags continuously assists brands with staying aware of patterns, fleeting trend on the news, and at last develop supporters. Cost: $9.99/month.

 5. Iconosquare

Iconosquare is an internet based life examination instrument that works for Instagram and Facebook. It shows you the measurements on content execution and commitment just as on your adherents. You'll find the best occasions to post and comprehend your adherents better. The device likewise dissects Instagram Stories.

Other than investigation, you can plan posts, screen labels and remarks about your image.

Value: Starts at $39/month. A free 14-day preliminary is accessible.

 6. Canva

Canva is a structure device that is an extraordinary fit for advertisers and organizations that don't have an in-house planner. In addition to other things, Canva makes immaculate Instagram stories. A la mode layouts and simple plan instruments guarantee that your Story sticks out, which, once more, isn't simple in the realm of Instagram.

Value: Free 

7. Shortstack

Shortstack is an instrument to run Instagram challenges. Challenges are gigantic on this stage, they cause heaps of buzz, increment brand mindfulness, and pull in new devotees. They are a training adored by advertisers.

ShortStack accumulates all client produced content, for example, pictures that have been posted on your substance hashtag, and shows them. It additionally monitors your battle's presentation, demonstrating your traffic, commitment, and other important information.

Value: Free up to 100 passages. Paid plans start at $29/month.

 8. Soldsie

Soldsie is a convenient device that causes you to sell on Instagram and Facebook utilizing remarks. You should simply transfer an item picture with pertinent item data. Clients who are enrolled with Soldsie can just remark on the photograph, and Soldsie will transform that into an exchange.

Increasingly costly Soldsie plans are additionally incorporated with Shopify.

Value: Starts at $49/month to month and 5.9% exchange charge.

 9. Social status

Social status is an instrument that distinguishes and examines your crowd. You can recognize influencers among your devotees, see who draws in with your image and with what recurrence. You can sort your supporters in records that are anything but difficult to work with (for instance: generally important, generally drew in, and others).

You can likewise channel your crowd by bio catchphrase, word/hashtag, and geographic area.

Cost: Available on demand.

 10. Plann

Plann is an Instagram web based life the board apparatus. It permits you to configuration, alter, plan, and investigate your posts. For instance, you can alter the Instagram matrix to look similarly as you wish. You can revamp, arrange, harvest, and timetable your Instagram Stories. All energizing details, from best occasions to post and best-performing hashtags to your best-performing shading plans are accessible. Furthermore, you can likewise team up with different advertisers to run your Instagram account together.

Value: Free, paid plans start from $6/month.

[crystalelemental]

alphakuriboh replied to your post “It’s a great idea in theory but they don’t work like that, it’s too...”

Cause what new player jumps in and immediately goes “ah yes I must start merging this character right away” ?

This is actually a fair point, and I had stuff to say I wanted to keep separate from the last post.  It ties in a lot with why the grail economy is so fucked.

Honestly, a thing I’d never really considered before is “What are the grail units for?”  Because if they’re starter units, ones you’re meant to get early but not intended for merging, then the system works.  But the problem is resources and time.  For clarification.

General hero battles, after their reruns, give 4 copies.  You need 7 more to fully merge, which costs 1750 grails.  If their rerun hasn’t occurred, 8 more is 2200.

Tempest Trials units who you are playing when the free units happen, give you 2 copies.  You need 9 to fully upgrade, for 2700 grails.

Tempest Trial units you missed need all 11 paid for in grails, for a total of a godawful 3700 grails.

You had asked where I got my timelines from in a previous post when I talked about how long it takes to fund a unit.  Truth is, it’s from when I calculated it out a while back, and I think that was before I hit Tier 21 in AR, so I’m going to redo things now.

Assuming Tier 21 in AR, you get about 80 grails a week.  Guaranteed 40 from Tier 21, 20 free, and 17 for top 20k placements, up to 22 for top 10k.  So we’ll average out and say about 80 a week.  There’s also 40 for fully maxing out all units in Forging Bonds, so that’s another 40 a month.  In total, that’s four weeks of 80 grails and a once a month hit of 40 grails, for a monthly total of about 360 grails per month.  Again, if you’re at the top of AR.  If you’re under, prepare for complete devastation.

If you want to maximize a Hero Battle unit, it takes 4.86 months to get what you need.  So around 5 months.  If they already had their rerun.  If they didn’t, 6.11 months.

For a Tempest Trial unit you were around for?  7.5 months to get enough.

For a Tempest Trial you missed?  10.2 months for the grails needed.

So better than my estimate of a full year for the missed TT unit, but not by much.  Considering a person starting might not get to the point they’re considering merging until a few months in, that’s over a year before they’re able to finish one (1) unit.  And considering they don’t start Tier 21, you’re earning considerably less until you can compete.  And competing in AR is going to require a lot of resources and merges anyway, which are definitely not coming from grail units.

For comparison, my Arena core is Eirika, F!Corrin, and Nino.  Pretty strong units in their own right, with Eirika and Nino mirroring better grail units thanks to their kickass weapons and refines.  I had them fully merged around 6 months in.  The only grail units that would be on par with that, are the Hero Battle units.  A Tempest Trial you hit is close, but takes a bit longer.  A Tempest Trial you missed?  Have fun sinking in an extra three months.  Considering the fact that grail units aren’t typically better than common pool units on the banners, that’s...kinda shitty.  Like, what makes Ethlyn better than, say, Nanna?  Basically nothing?  What makes Canas better than Raigh?  Literally nothing at all?  These units shouldn’t be considered as something that requires that much more time and effort to obtain, compared to common pool units you can get just as easily, but less consistently.

Maybe this is my issue, because of how I consider free units more like the common pool units than the 5* units.  But even with that, a 5* locked unit, on a focus, will show up in an average of like 140-150 orbs, based on almost every poll I’ve seen giving average rates for summons.  So 1650 is an average amount of orbs needed to +10 a 5* unit.  Most estimates for a near guarantee of that +10 hit around 2500 orbs.  Assuming the average, and that we get around 250-300 orbs in a month (this I actually have no idea on for accuracy), that’s gonna take about 6-7 months of saving to get that 5* unit to +10.  Guarantee would be about 10 months of saving.  Which...is its own brand of ridiculous, but I digress.  Free grail units don’t perform like banner units, in almost every single situation, barring exactly three that I can think of (Naesala, Kronya, and now Astram).  So why the hell are they taking as long as the 5* locked banner units to complete?  This shouldn’t take so long.  And especially for the TT units you missed, the increase in the amount of time it takes is obscene.  Three whole months added in!  That’s why I want the rerun so bad!  That would save three goddamn months, per character!

I hope this all makes sense, because it really is an issue more of time than anything.  Resources being limited and the severe opportunity cost of picking one unit to maximally invest in is also a problem, but the biggest one is time.  More grails per month and a rerun of previous TT units would solve every single issue I have with this economy.  If we don’t want a special TT event that’s just reruns, then maybe we can all agree that the badges are fucking worthless, and we should replace those with like...100 grails for the monthly TT event, and one or two previous units given out at 3*.  Just...something more than what’s done now.  Because as it stands, I have plenty of units I’d like to build with grails, and can justify exactly 0 of them because of how scarce grails actually are.

[kaleyamdarenawz32insurance-blog]

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[bountyofbeads]

How Donald Trump silenced the people who could expose his business failures

https://wapo.st/2F3H3rF

"As a businessman, Trump used threats & intimidation to keep his true financial situation from being accurately reported on, including efforts to stay on the Forbes list by threatening to out a closeted gay executive. Past is prologue." Joyce Vance

Jonathan Greenberg's latest Trump expose in today's Washington Post; how the deceiver in chief suppresses the truth and truth tellers. #DontheCon, #ImpeachTrump

How Donald Trump silenced the people who could expose his business failures

By Jonathan Greenberg | Published June 14 at 6:00 AM ET | Washington Post | Posted June 18, 2019 |

How did Donald Trump, a self-serving promoter who lost billions of dollars for his investors, convince the world that he is a financial genius? It wasn’t just by fabricating tales of his success. It was also by bullying and silencing people who could have stopped those deceits — particularly reporters and Wall Street analysts — forcing all but a very few into a conspiracy of silence.

These tactics, which form a core element of his politics, were something I saw him hone firsthand in the 1980s and 1990s as Trump’s company was imploding.

I was the lead real estate wealth estimator for the Forbes 400 list in its early years. Trump called me twice in 1984, posing as his fictional “VP of finance” John Barron and professing the kind of riches that ought to land him on the list, despite failing to document them. So when a New York Times exposé last month showed that Trump had lost $1.1 billion between 1985 and 1994, I looked back at my archives and began calling old colleagues to compare these figures with what Trump was telling journalists three decades ago.

First, I turned up three never-before-published letters from Trump to Forbes from 1989, in which he claimed to be worth $3.7 billion. We now know that he reported losses of about $100 million that year and that he was treading near insolvency. Then I started to contact other people who had collided with Trump in those years. Journalists told me how he’d tried to block their reporting on his empire — by making up ethical scandals about them, furnishing fake documents and, in one case, threatening to expose the private life of a closeted media executive. Wall Street analysts witnessed a campaign of intimidation that began when Trump got one of them fired for (correctly) doubting his casinos’ ability to pay off their debts.

Even while he was suffering tremendous financial setbacks — and precisely because he was suffering those setbacks — these efforts show Trump in the desperate act of spinning a mythology about himself (rich) that would sweep aside the facts (broke). And he did it by imperiling the livelihood of his doubters, silencing them and inducing a chilling effect both in the press and among the very people who are supposed to protect investors from terrible gambles like Trump’s businesses. If this self-promotion scheme had failed, Trump would never have become a reality-TV-starring symbol of business acumen. He would have skulked off into anonymity or ignominy, just another failed real estate developer and speculator.

Instead, he fooled the world. Although he’d struggle for the rest of his career to get most legitimate banks to extend credit, the gambit basically worked: It turned him, rather than his empire, into the product, enabling decades of tabloid coverage, countless eponymous goods from casinos to steaks to airlines, dozens of film and TV cameos, and ultimately his image-defining show, “The Apprentice.” It made a man with limited business savvy and less money than he claimed into someone famous for having a surfeit of both. These early (and shockingly impudent) fabrications built one of the greatest brands in American history — one that made Trump a household name and, eventually, president.

In mid-1989, as his real estate empire was secretly drowning in debt, Trump wrote three letters to Forbes Senior Editor Harold Seneker, who was responsible for overseeing the wealth list. The first, dated April 25, 1989, came with two deceptive documents: One was similar to the outrageously inflated listing of the value of his assets that Trump gave to Deutsche Bank as he sought a loan in 2014 to buy the NFL’s Buffalo Bills. The 1989 file noted that the sums listed were “NET OF MORTGAGES OR DEBT,” and it showed $3,734,000,000 for the total value of Trump’s empire. This figure included “cash and cash equivalents” of $693 million and marketable securities of $214 million.

The other attachment was a “review of the statement of financial condition” letter from Richard L. Robbins, an accountant and senior vice president at accounting firm Arthur Andersen & Co., dated April 10, 1989, attesting to the fact that, as of Nov. 30, 1988, Trump possessed $700,125,000 in “cash and cash equivalents, marketable securities . . . and the remaining cash proceeds from bond issuance and capital contributions.” In his signed letter accompanying these documents, Trump summed it up by writing: “I know that you would be the first to agree that anyone with in excess of $849 million in cash ($700 million plus $149 after paying off the St. Moritz mortgage) is not a person who is ‘highly leveraged.’ Additionally, being a student of financial history, I have relatively low amounts of financing on my assets and, more importantly, personally guarantee nothing.” Robbins declined to comment for this article.

Why was the Arthur Andersen “review” done five months before its Trump account executive sent the letter? Because, unbeknownst to Forbes, just eight days before Nov. 30, 1988, Trump received $675 million in cash proceeds from a junk bond that Merrill Lynch sold to unlucky investors, with all of the funds earmarked for acquiring and completing the Taj Mahal casino in Atlantic City. Trump shouldn’t have claimed this as his own cash, as he appeared to be doing. But that’s what he told Forbes, and anyone else who would listen.

Still, Seneker suspected that Trump’s cash position was overstated, so he wrote back, asking why Trump had listed only assets and not debts. Trump replied the next month with more lies. “My cash balances are high because I am fiscally conservative. The debt which I have is against individual assets and is not personally guaranteed.” He was claiming that the properties themselves and the Trump Organization were the collateral backing up his assets — that he had no personal liability. In truth, Trump was on the hook for $125 million at the Plaza Hotel in Manhattan, according to “Trump Revealed,” an investigative biography by Michael Kranish and Marc Fisher of The Washington Post. This was part of a package of personal guarantees totaling $900 million that would come crashing down around him as his Atlantic City projects imploded.

Knowing that the final estimates for the Forbes 400 list of America’s richest people were calculated in August, Trump sent a third letter in July 1989 bragging that the Plaza was worth double what he paid for it and that his Atlantic City casinos were worth more than $1.5 billion each. Forbes had spent several years radically overstating the value of Trump’s holdings, as recent reporting has shown; the magazine accepted too many of the mogul’s claims. That year, Forbes estimated his worth as $1.7 billion, even though Trump’s leaked tax returns show a $100 million loss, meaning any investor who could have seen them would have viewed Trump’s real estate empire as a money-losing liability, not a group of income-producing assets. (Trump now says these losses reflected depreciation, not the value of his holdings.)

The next year, 1990, would prove to be the year the facade collapsed. But with an eye toward salvaging his future reputation, Trump waged a startlingly effective campaign to suppress the truth about his failures as a businessman. That effort took several forms.

That spring, Forbes Senior Editor Richard Stern and contributor John Connolly prepared a cover story based on a document leaked from the New Jersey Casino Control Commission, which showed the debt load of all of Trump’s properties, as well as a Wall Street analyst’s calculation that the Taj Mahal needed to net $1.3 million every day just to stay afloat. The reporters estimated that Trump’s true net worth figure was less than zero.

On the Monday of the week the story was to be published, Stern met with Trump to seek a comment he could include in the article. The mogul exploded, threatening to sue Forbes. On Tuesday, “orders came from on high” to change the story’s estimate of Trump’s net worth to $500 million, Stern recalls. “I got into a shouting match with [Jim] Michaels,” Forbes’s powerful top editor, Stern says. “Forbes bent. We had to jigger the numbers to give Trump a positive net worth.” (Michaels died in 2007.) Connolly says the cover line was also changed, from “Is Trump Broke?” to “How Much Is Donald Really Worth Now?,” which is how it appeared on May 14, 1990.

Michaels told Connolly this was because Trump was threatening to embarrass the Forbes family by claiming that publisher Malcolm Forbes, who had died a few months earlier, ordered a hit piece because Trump had supposedly blocked the 70-year-old magazine owner from bringing two male companions under the legal drinking age into the Plaza Hotel bar. (A gay news magazine had outed Malcolm Forbes shortly after his death that February, though the claim was not widely circulated; Trump possessed a much louder megaphone with which to humiliate the Forbes family.) Stern does not recall this and believes that editors simply feared a Trump lawsuit.

Even then, Trump was not satisfied with his victory. Connolly and Stern’s story interrupted the mogul’s narrative around the opening of the world’s largest casino. Trump retaliated by making last-minute changes to the text of his August 1990 book, “Surviving at the Top,” to recount the alleged bar spat and say that Malcolm Forbes “lived openly as a homosexual . . . but expected the media and his famous friends to cover for him.” After editors removed him from the annual Forbes 400 in late September (estimating that his net worth by that time had fallen below the $260 million cut-off), Trump elaborated on his accusation in a Los Angeles Times op-ed headlined “Forbes Carried Out Personal Vendetta in Print.” Trump wrote that, after the supposed bar incident, Malcolm Forbes “called and screamed at me, saying that I’d treated him shabbily, embarrassed him publicly — and that he would get even with me,” Trump wrote. “It was only a few weeks later that I got word that Forbes magazine was planning a cover story on me.”

[financialsuccessbook-blog]

Affiliate Bots Review: The New 17 Automated Software Package That Generates PROVEN Profits - My 2019 Review After Purchase

Today I will be presenting what I believe to be one of the most powerful affiliate marketing resources to be released in the last year. I will be reviewing the phenomenon appropriately titled, "Affiliate Bots”. If you are an internet marketer trying your hardest to get sales online with no results. This is the internet marketing software package for you. Or if you are simply someone wanting to get started making money online but don’t want to spend thousands of dollars on complicated software, this is Absolutely for you! Also be sure to check out my full review of Wealthy Affiliate University, the 1# Online Business University. It teaches people around the globe how to build a profitable online business around what they're passionate about! Affiliate Bots Video  How This Software Package Will Help Your Business I predict that after you’ve gotten your hands on this software bundle, and started to use it, you will never look at online marketing the same.

I’ve been an internet marketer for years and this has given me renewed hope that there really is “an easier way” to get the job done! If you follow Chris' instructions, watch his tutorials (which are very short and understandable), you will have tools that can convert your business from a time hog, into a money-making cash machine! The process is very simple: 1. Pick a product (The software makes this easy, and displays options from numerous product marketplaces with analytical data) 2. Use the script creator, then the "Rapid Video Creator" to make professional videos in 60 seconds. (Tapping into YouTube and Google rankings you previously would never have!) You don't even have to have a website to do this! 3. Decide on the keyword you want to rank, and upload. 4. Rinse and repeat! That’s it! This can be repeated thousands of times since there is virtually no end to the number of affiliate products out there How Affiliate Bots Has Solved My Automating Problems! I first came across this affiliate marketing resource as I was researching the best-selling and most popular affiliate products. This is one of the best-selling on the top affiliate networks currently, and it’s not hard to see why.

The creator(s) claim that they make over $900 dollars a day using only the tools provided within this package. After I watched his presentation, I became convinced that this was the automation I needed for my business! Along with an appealing 17 “software Auto Bots” included in this package, there was a plethora of “bonuses” included. Some of these included access to even more premium resources and guides on how to use everything. These make it a breeze to start incorporating your new “autobots” into your business safely and effectively. I have tested nearly every one of these software bots and find them incredibly worthwhile! Automating key aspects of my online business has never been easier!

Affiliate Bots Review – What’s Included?

My Rating: 4.8/5 Stars

Price: $97 $47 $17.00 (One Time Fee) Link To Buy: Here 100% Money Back Guarantee: Yes - 60 Days Included Available in: Worldwide Number of Items Included: 17 + Bonuses & Guides Primary Categories: Affiliate Marketing, Software, Business, Research Creator: Chris & Ken (The Affiliate Bots) Released: November, 2018 Bonuses Included: Yes* Training Included: Yes – In Depth This package includes 17+ software bots. Each of them can be utilized for different purposes. The price on this is very affordable, and after you read my review, I think you will come to the same conclusion as me: “It should cost more”. For about $1 dollar a piece, affiliates around the world have been using these tools to revamp their online businesses for maximum profits. My research indicates that unlike many “gurus” and affiliate products, this package provides genuine worth. I will be including a short summary of what each of these “Bots�� do, below each listing for your convenience. I will also be discussing the bonuses that were included after I purchased! For details on every software bot, and on everything that is included, be sure to click one of the buttons or links provided. Chris does an excellent job of outlining some key points on why you need this software.

Review Of The "Automated Software Bots" Included:

• “ChristmasAffiliate Bot” This bot predicts the most popular items for the holiday/Christmas season. Which can help when choosing which products to market as an affiliate.

This is very nifty for any affiliate marketer. Sales go through the roof for many businesses during the Holiday/ Christmas season and having predictions on the hottest items can have a huge impact on your bottom line. Most people understand, “Supply and demand”, but I think many people aren’t aware of, “what they demand”. Again, this has excellent value off the bat. • “HostingAffiliate Bot” This bot shows the top affiliate programs that provide website hosting.

Many people today understand that the standard for being “’successful” in life changed decades ago. We no longer have the option to rely on employers for retirement or even reliable income for that matter. Indeed, today entrepreneurs are popping up worldwide every day. More and more people want to start online businesses, and they need website hosting! That’s where this bot comes in. Finding the best affiliate programs that offer online hosting has become a snap. You can now refer potential buyers to popular hosting sites and get paid while doing it! I personally love this bot. It’s genius. • ”IMAffiliate Bot” Frankly, I find it amazing that anyone would ever offer something like this in the first place. Chris & Ken provide you with a bot that displays the highest converting “affiliate product promotions” for the last 6 months!

Maybe I should phrase that differently, they literally show you what is top grossing in the affiliate marketing niche and converting online. They go even further to provide statistics and compare all of them so you see the best of the bunch. • “Affiliate Ads” This bot can instantly find and create banner ads for thousands of ClickBank affiliate programs. Gone are the days when you had to manually search up and find affiliate programs that provided banners for your site. An Alexa rank is also shown (if available) for every program listed. I think the worth of this bot is apparent for anyone who has ever used Clickbank before. Or at least for anyone who’s become frustrated with the lack of intuitive tools they provide affiliates. • “Warrior250” This bot pulls up the top 250+ affiliate programs on WarriorPlus (a digital product marketplace) and updates itself daily!

I don’t know if I can stress the implications of this bot enough. This makes product research, comparison, and execution (inclusion into one’s business) almost none existent. The only thing left for me to do is decide which one I like, and request to advertise that particular product. The vendor links are included making these requests a synch. Naturally a WarriorPlus account is needed, but they are free and very easy to set up. Just remember to fill in your billing info so you get paid for any referrals! • “King Of The Zon” This bot updates itself daily with the top 200 Amazon products. Research has never been easier with a bot like this!

Many people get into Amazon because of it’s reputation and buyer base. Naturally, the primary use for this item lies in being able to advertise products based on their popularity. If you are a marketer of popular items on Amazon, this will become an essential part of your product research. • “Launch Pulse” Want to see the latest and greatest JVZoo, ClickBank & WarriorPlus launched in the next 30 days? Never fear, “Launch Pulse” is here! You are basically getting inside knowledge about a product launch, its ratings, popularity, and payout all in one place without actually conducting any research of your own! Amazing to say the least. • “CB 250” The creater of this software says that this bot, “shows you the top 250 ClickBank affiliate programs, making seven figures a month in sales”. I don’t know about you, but this is one of the most incredible pieces of internet marketing software I have ever seen.

Clickbank remains an affiliate’s go-to for digital products. It is very easy to make money with products that payout so well. The research is what kills most though. Sure you can do it, but it takes valuable time. This bot turns what would be hours of headaches into minutes of picking and choosing. Only from the best-selling products, mind you. • “King of the Zoo” Ever heard of, JVZoo? Maybe, maybe not. That’s why this bot is essential to any growing marketer… just like JVZoo! Similar to Clickbank, JVZoo is an online marketplace full of digital products that affiliates like you and me can promote.

“King of the Zoo” is wonderfully configured to present the top grossing products on this platform, and enables the user to cut hours of research into mere moments of analysis. This alone is worth the cost of the package, and it also introduced me to a killer marketplace for products! • “1 Click Affiliate” This bot is very helpful. I was pleased to find that this bot made copy writing very simple and formulaic. It is Not perfect, and any copywriter will no doubt find several flaws. However, for the cost this is a brilliant way for anyone to automate a sales letter and or learn how to write good copy. • “1 Click Video Pages” This bot is exceptional for creating video sales/landing pages for products. You simply customize the kind of page you want, upload it to your website, and attach a video or image for a professional looking page. I myself think this is genius and absolutely love it. • “Rapid Video Creator” A very simple but effective tool that does what it says. And that is to make a “high conversion” sales video with simple text slides. You can customize it with music, images, text, coloring, slide speed, and a few other options.

It is simple and saves a ton of time if you were going to make a visual text presentation. It was a bit difficult to use since the image features since they weren’t all that intuitive. However, after inserting text, and customizing it with pre-included music and background images, I found it very useful. • “Resell Database software” This database is easily worth hundreds of dollars. It compiles a list of the top sites that offer affiliates hundreds if not thousands of digital products for resell. It also displays useful data and links making it a breeze to analyze and implement any of the listed sites. Many of these sites have been around for years and have a plethora of choices and products that you can start making money off of today! • “AutoMail software” This “AutoMail software” is very simple and easy to use. However, it isn’t an autoresponder or pre-programed software that will send out emails on a list.

It is basically a broadcasting software that you can use to build an email list on your site and send out unlimited emails. Pretty cool, though I’m sure many would argue that there are better alternatives. Very useful, though a bit old-fashioned if you ask me. • “Domainaveli” This software is pretty incredible if you ask me. I would have killed for a software like this when I was first deciding on my first website name. That being said, I think many people will find this tool a good alternative to standard keyword tools which I think most people use to decide on their website URL’s. Initially, I was skeptical about its worth, but it really has grown on me! I like it. • “Flip DB” The “Affiliate Bots” said that this is, “a database of 360 websites making up to $26,000 per month - from the auction site Flippa”. This software is truly amazing. It analyzes and lists hundreds of websites listed on Flippa.com (an auction site for selling/buying websites) and shows whatever information it could pull up automatically. Utilitarian isn’t a suitable term for a software like this. It really makes buying websites as easy as 1,2,3.

Bonuses Included:

You actually get more than 17 software bots with "Affiliate Bots". I received bonuses for Wordpress, guides to social media, and plugins. Really cool stuff.

I also received access to the "T Shirt Titan". This was designed as a way to launch your own T-shirt designs and products. As part of the "Titan" series, it is a premium system similar to Affiliate Bots with its own resources, software, guides, and tutorials. It is easily worth hundreds of dollars and he throws it in absolutely free! I have gone though all of it, and I still can't wrap my head around how someone like Chris could be so generous with his software.

About The Creator/Company

The creators of this program are “Chris & Ken (The Affiliate Bots)”. I don’t know a whole lot more than that. This is a recent launch that just came out in November 2018. Not a whole lot is known about the “Bots” brand. However, they are “Clickbank Certified”, and anyone who has ever heard of them knows how secure they are.

Also, so far, my customer service experience with them has been very positive. The Good: PRO #1: This software is ridiculously cheap. The amount of value you get with Affiliate Bots is astounding. I myself absolutely love the software and information that came with my purchase. I still can’t believe how much comes with it. PRO #2: The guides, video tutorials and customer support has been excellent so far. I am very pleased with how well I’m treated as a consumer with them, even when I needed help with something simple. PRO #3: There are numerous packages and bonuses that come with your purchase. Naturally there is also the option to join his premium memberships or get his elite software packages that specialize in specific tasks. (E.g. Video makers, niche research, slide animations, WordPress themes, etc) The Bad: CON #1: Sometimes software can be strenuous on your PC or be difficult to work with. Note: Contacting support has been very useful here. They have fixed every issue I’ve had so far. CON #2: The layout for some of their software is rather linear and a bit difficult to navigate unless you are in their premium “club” hub. I’m getting used to the navigation now, but I thought it was worth noting. It does make it easier to rinse and repeat the process of using the software provided though. Simply start at the top and work your way down. Let me know what you thought of this review, and what you think of Affiliate Bots in the comments below. Feel free to like, and share as well! Best regards, Jacob Highley Jacob@FinancialSuccessBook.com Read the full article

[lifenetinsurance]

How to Get the Best Life Insurance Rates for Seniors

Are you or a family member looking for life insurance for seniors? There are several items for you to consider before applying.

What type of policy should you get?

How much insurance?

What are the best companies for seniors?

What about riders?

Agent or no agent?

Medical exam or no?

And more!

We will give you all of the information you need so that you can choose the right type of coverage at the most affordable cost.

Why Seniors Might Need Life Insurance There are many reasons why you might need life insurance at this age. As we live longer, more and more baby boomers and seniors will need life insurance. Your "nest egg" will have to last longer and you have more chance of requiring funds for medical costs.   Your reason for wanting coverage will impact the type of policy you will choose.

Income replacement- you may still be working and have a spouse and/or family that relies on your income. The type of policy you buy will depend on your specific situation. Generally 

Debts- you may still have a mortgage to pay off and you don't want your family to be responsible. Or you may have other debts to cover. A term policy might be right for this situation. 

Final expenses- you want to leave enough money to cover your funeral. Most funerals in the U.S. cost over $7,000. Don't want to leave it to your relatives? A final expense policy is a good option because it will last for your lifetime and the premiums will remain the same. 

Special needs child- you have a child or grandchild that you care for and they will continue to need care for their lifetime. You will definitely want a permanent policy so that they will have the funds for the care they need after you are gone.

Pension Maximization- you want to take the higher pension option, but still need to protect your spouse. We can see if a life insurance policy makes sense in this situation. This works best when the insured is in their fifties.

Family Business- will the business need to replace you? Will the business suffer as it looks for your substitute? Insurance proceeds can help the business stay afloat until all is settled.

Estate Taxes- If you have property that will go to you heirs, they may have estate tax to pay. If your estate has more property than cash, you may want a life insurance to cover the estate taxes. If you and your spouse are co-owners, a survivorship policy would make sense. This is where two people are insured on one policy, but the payout is only after the second insured dies. This coverage is less expensive than two separate policies and even if one person is uninsurable alone, they may qualify for this type of insurance.

Your reason- you may have other reasons that are just as valid. Whatever the reason you need life insurance, read on and learn all about it.

Terms You Need to Know to Understand the Basics  

Insured- This is the person whose life is covered by the policy. 

Owner- This is the person who can make changes to the policy, such as naming a new beneficiary. No other person can make changes to the policy (exception: if the premiums are automatically drafted, the payor can change the bank information. Very often the owner (also called the applicant) and the insured are one and the same.

Beneficiary- This is the person, persons, or trust that will receive the money when the insured passes away. You can have primary beneficiaries and contingent beneficiaries.

Payor- The person who pays the premium. It can be paid monthly, quarterly, semi-annually or annually.

Face Value or Death Benefit- This is the amount of money that the beneficiary will receive when the insured passes away. Also called the face amount.

Premium- The cost of the insurance.

Term- The length of time that the policy will last (assuming premiums are paid).

Permanent Coverage-There are two main types of permanent coverage, universal life insurance and whole life insurance. Each type has multiple policy choices, which we will discuss below.

Free Download -- Life Insurance 101 What Policies are Available for Seniors Here is a guide to the different types of life insurance policies available for baby boomers and seniors.  Term Life Insurance- The name says it all! There are several types of term policies. Some of these policies are available with and without an exam.           1. Level term policy- This is where the face value and the premium remain the same. After the level term, the premium will increase rapidly.            2. Decreasing term policy- As the name suggests, the face value of the policy decreases over time. One example would be mortgage insurance. Unfortunately, the premium usually remains the same, making a level term policy a better buy.           3. Annual renewable term- This type of term life insurance has a premium increase annually. Unless you really need coverage for a year or so, this is not usually the best option. Again, level term policies are the best value. Universal Life Insurance- There are several types of universal life policies. These policies are very flexible and can be structured to suit your needs. These policies are generally fully underwritten meaning they require a medical exam and potentially medical records from your doctor(s).             1. Guaranteed premium universal life policy (GUL or GPUL)- These policies can be set up with little to no cash accumulation. This way they are usually the least expensive permanent policy available. They can be guaranteed to age 121 (considered lifetime!) or less, such as 105, 95, etc. These policies generally start at a face amount of $25,000, however, in some states the minimum may be $50,000 or even $100,000.            2. Indexed universal life policy (IUL)- These policies have an investment component in the coverage. These policies allow you to keep cash value in a fixed account (like a money market savings) or to invest in an equity index account (such as the S&P 500 or the Nasdaq 100 or other funds). Premiums , death benefit, and savings and can be altered as needed during the life of the policy. Although you cannot lose cash in these policies, your gains are limited (there is a floor to protect your cash value and a cap that limits the gain allowed).           3. Variable universal life policy (VUL)- These policies are for a more sophisticated investor. They can only be sold by a registered representative with a securities license, as they are considered securities. You can lose money in this investment vehicle, unlike an IUL.           4. Survivorship life insurance or second to die insurance- This is a policy that covers two people on one policy. The policy pays the death benefit after the second insured passes. This is a common vehicle for paying estate taxes. When the second parent passes, the children have cash to pay inheritance taxes. These policies are less expensive that two separate policies would be. Also, if you have one insured who would be declined for an individual policy, they can often get this type of coverage. Whole Life Insurance- There are several types of whole life insurance coverage. Traditional whole life insurance is rarely sold and many companies no longer offer this type of coverage. We will discuss whole life insurance in the Final Expense policies available. These policies are no-exam policies.           1. Final expense level policies-These policies are available for coverage between $2,000 and $50,000. (If you want more coverage, you will need to purchase policies from multiple companies). If you want less than $25,000 of insurance, final expense coverage is your only option. These policies are easy and quick to purchase. You can often be approved the same day of the application, or within a few days. This coverage starts for death from all reasons on day one.           2. Final expense graded policies- These policies offer coverage from $2,000 up to $50,000 depending on the carrier (some only offer up to $25,000). The purchase process is the same as final expense level policies. The difference is that coverage for death for medical reasons does not begin at day one. It can be phased in over two or three years. Accidental death is covered on day one.            3. Guaranteed acceptance policies- These policies offer coverage from $2,000 up to $25,000. There are no medical questions to be answered and all applicants are accepted. There is a two year waiting period (some carriers have a 3 year waiting period) for this policy to pay for death from any medical conditions. It pays immediately for accidental death.  Download Baby Boomers Guide to Life Insurance What Exactly is No-Medical Life Insurance Purchasing no-exam coverage doesn't mean your health isn't considered. On

the contrary, final expense applications have a number of health questions that need to be answered. All carriers ask their questions differently, so you can be approved by one carrier and declined by another.  Some carriers won't insure you for 6 months or more if you were just declined by another company, so it is preferable to apply for the right policy first. (Your agent will be able to look at the questions and help you decide which company will work for you.)  Many companies require a phone interview where the insured answers these questions on a recorded line. The carrier will check certain databases like the Medical Information Bureau (MIB) and a prescription database to confirm your information.  As complicated as it sounds, some companies will tell the agent if you are approved right after the interview! It's easy and fast.

Download Final Expense Life Insurance Handbook Which Policy is the Best Value Value is what we all want when we purchase life insurance of anything else. But value is not only the cost of the coverage, the policy has to meet your needs.  For example if you want coverage for final expenses, a term policy is not your best choice. But is universal or whole life better for you? Well, how much coverage you want matters. Are you healthy enough to qualify for a fully underwritten product? Considering cost only, the policies stack up as follows:           1. Term life insurance is usually the least expensive. However, the older you are, the closer the pricing between term and universal coverage.           2. Next up is guaranteed premium universal life insurance.            3. Level benefit final expense life insurance is the least expensive non-medical permanent coverage.           4. Graded benefit coverage is next.           5. Guaranteed issue coverage is the most costly, but it's a great option if you aren't able to qualify for any other type of insurance. Each type of policy has many different companies that sell them. Your independent life insurance agent will be able to steer you to the company with the best pricing for your type of coverage. How Much Coverage Do I Need? The amount of insurance you buy will primarily depend on your needs and your budget. The reason you are getting coverage is important here.  Leaving money for a funeral is very different than trying to replace lost income. Funerals cost upwards of $7,000, and of course, can be less or quite a bit more. A policy for $10,000 or thereabouts might be just right. If you are looking to replace income, clearly $10,000 won't cut it. You would be looking at $100,000 or more, conceivably much more.  You will be in the best position to determine the amount. Then, depending on the cost, you may wish to adjust the amount up or down to fit your budget. Which Policy is Right for Me? When you are trying to figure out which policy is best for your situation, why not make life easy and talk to a specialist? An independent life insurance agent is going to know all about the different options you have. If you are looking for a face amount under $25,000 you will be looking at a final expense whole life policy. You may opt for this type of coverage because it is easy and fast to get. Some companies go up to $50,000 and if you want more than that amount, you will apply to multiple carriers. Then your agent's job is finding the least expensive company(s) with questions that allow you to be approved. When you are looking for over $25,000 your choices are different. The term and universal policies are fully underwritten. They will require you to have a paramedical exam including blood and urine lab work. They will often order your doctor records for review. These policies are more time consuming to get, but they will cost less as the insurance carrier has much more information about you.  How much insurance you want, how many hoops you are willing to jump through and how long you are willing wait will all factor into your decision. Additionally, you may find that you are postponed or declined for a fully underwritten policy, but will be approved for a final expense type product. Your agent can help you understand why this is so as every case is different. What are the best companies for senior life insurance? There are many highly rated carriers available for senior life insurance. These companies are reputable, trustworthy companies that have been established for some time. There are many companies and we can't list them all...these are just some of our favorites.   

[iwebcodedesign]

How Much Cost Required To Build A Business Website In 2021?

What type of business you are going to start and how do you build a website? In the curious circumstances get your answers regarding how to build a business website in 2021. In this blog, we will discuss each step and cost of an E-commerce website. It in an expanded way. Most of the users are willing to buy cheap-cost websites.

On the other hand, there would be no guarantee of security of the website, and other requirements of the website are meant to be important. For the best results, all a user need is good guidance in building a website. In earlier times, Building websites were difficult because at that time most people were not aware of it. But now in this 21st century, building websites has become easy and reliable. In this discussion, most of the doubts related to creating websites are must easier.

Cost of Different Kinds of Websites

First, let’s go through different kinds of websites. There are many types of websites and each site is related to a particular network along all are carry different price tags according to their qualities. There are 3 types of websites which are as follows:

A Customer-made site: In this category, you can customize your whole website by giving its fee which could be around $5000. All you need to do is just provide the matter and they will deliver you a readymade website. Most of the people are managing their website like this. Moreover, it is the easiest way to build a website but quite costly. Few websites were looking attractive and available at a very cheap price but it could be a pop-up issue of security.  If we talk about the two different ways of building a website then it could be as follows.

·          Website builder

·         Website designer

Cost of Developing an Ecommerce Website

As we discuss above the criteria of different kinds of websites along with their different prices. If a user builds their website themselves by using a website builder then that would cost them less near about $6 monthly.  On the other hand, if that website is built by a website designer then all the work will be done by the designer. Let’s go through a cost chart of Websites.

 SEO and Marketing----------------------------$0 – $90

Website Hosting--------------------------------$35-$600

Apps and  integrations------------------------$0 -$100

Website Domain-------------------------------$12 – $60

Website content--------------------------------$0 – $5,000

SSL certificate----------------------------------$0 -$200

E-commerce  Functionality------------------$20 -$ 24,000

Website template  and theme--------------$0 – $200

·        Site for online business (INR 25000-INR 1,00,000)

Clients will actually want to connect with you for things and administrations in return for cash in the event that you utilize this kind of site. It has a few states of the art includes and permits you to advance your items on the web. The cost of an E-commerce website has to be within the budget. The least expensive web-based business site, equipped for showing about 50 items, costs just INR 25,000.

·        Making a Brochure Website Site for Brochure (INR 3500-INR 5000)

A handout site is for individuals who have recently begun their business. This kind of site fills in as a computerized business card, affirming the accessibility of entrepreneurs on the web. A five-page site has been made including the main pieces of it such as About Us, Gallery, Services, and Contact Us, Home Page. The site costs between INR 3500-INR 5000, contingent upon the topics and pictures utilized.

·        Making Education site Site for instruction (INR 15000–INR 25000)

This style of the site is incredible for schools, universities, or instructing focuses that give an assortment of classes. The size of this site is dictated by the number of educational programs and courses that should be featured independently. The expense of an instructive site with ten pages is INR 15,000. The cost might ascend as the number of site pages develops.

·        Making a Company Website Corporate Websites (INR 15,000-INR 30,000)

This sort of state-of-the-art site has turned into the most recent frenzy in the business area. These destinations are profoundly unique and viably pass on corporate data. This site, which controls the advertising switches, works effectively of expanding the brand’s worth.

In India, what amount does an area cost?

Booking a space is the initial phase in your online experience. Numerous space-selling associations, like Go Daddy, Blue Host, and Google, can help you in finding and buying an area name to address your organization on the web. You might acquire area rates from different space name suppliers in India via looking through the web. This is the principal factor that impacts the cost of a site. An exceptional area might be more costly.

The space can be bought for a very long time or enrolled one time each year. An amazing and simple adapt Dashboard is given by WordPress with the goal that clients feel free and simple to utilize.

In India, what amount does site facilitating cost?

In the wake of enlisting a space, the subsequent stage is to have a site. Through facilitating a user most facilitating specialist organizations supply filter has a space on Google worker at an entirely moderate cost.

A worker can be saved on a month-to-month or yearly premise. Certain individuals lean toward VPN facilitating administrations for a safer encounter, while others favor shared facilitating plans or committed facilitating plans. Many facilitating organizations give fluctuating valuing to have your site, so do some examination online to find the best facilitating organization with the best facilitating costs and plans. Moreover, go with the best price of the e-commerce website.

Subsequent to offering the best assistance of WordPress, later it begins to show to purchase an ordinary facilitating plan. Alongside it, clients can get an opportunity to pick a facilitating plan as per their spending which is very amazing. It tends to be week after week, month to month, and yearly.

WordPress Theme and Plugins:

WordPress has arisen as an evident decision for site creation (in the event that you pick it as your CMS). It is the most reasonable site that anybody can utilize.

WordPress has both free and premium topics. Paid topics are more adjustable and can be upgraded with modules. The customer can choose the topic and modules that best suit their spending plan. Most sites currently include live talk, and WordPress simplifies it to introduce a visit module to make the site more easy to use and intelligent.

Most of the site is based on a substance the executive’s framework (CMS). This substance the executive’s framework improves on the most common way of refreshing or changing site material. Subsequently, customers are progressively going to CMS stages like WordPress for site-building.

Site upkeep in India

When the site has been planned and dispatched, the following basic advance is to affirm that it is running appropriately. Most site-building organizations offer yearly site support bundles for a little charge. The cost of an e-Commerce website is somewhere in the budget.

Conclusion

Your organization’s site might make or kill it. Your site is your online personality, so make it all that can be expected for the virtual world to see. IWEBCODE is a conspicuous web improvement firm that gives financially savvy yet great website composition and advancement administrations.

We have a group of gifted web engineers in India who can give custom-fitted answers to fulfilling the consistently changing necessities of the computerized business area. Working with such web advancement organizations enjoys the benefit of giving whole web improvement arrangements, for example, facilitating, space enrolment, web improvement, webpage plan, and computerized advertising.

For more information visit IWEBCODE.