Письмо: «Живу как на пороховой бочке»

Это уже четвертое письмо автора.

Она все время ходит по одному кругу. У нее есть штурманский план, чего ее мужчина ей должен. Этот план мужчина реализовывать не хочет, она бесится, они расходятся. Потом он хочет вернуться и она этому рада, но каждый раз думает, что он будет реализовывать ее штурманский план. Он опять не хочет, она снова бесится.

В этом письме она уже пришла к выводу, что надо окончательно расставаться.

Расставайтесь, автор. Только следующий мужчина тоже не будет воплощать ваш штурманский план. Никто не будет.

seven_wind

Добрый день, уважаемая Эволюция.

С Новым годом Вас! Радости и удачи!

Искренне благодарю Вас за разбор моего последнего письма:

https://evo-lutio.livejournal.com/821891.html

Прошел почти год, много воды утекло…

У нас сильные адреналовые качели от все зашибись до все задолбало и надо разбегаться. Я готова уходить из отношений каждый день, но не ухожу.

(Что такое «адреналовые качели» я не знаю. Но любые эмоциональные качели — это когда качается ваша корона. Других качелей не бывает)

За это время постаралась выстроить отношения с его мамой, нормально получается с сыном. Самое сложное — это его дочь. Ну и он тоже не подарок.

Буду очень признательна Вам за разбор.

Мы живем вместе, С. взял на себя большую часть расходов (аренда, бензин, продукты), кроме трат на моего сына и моих трат на себя. У нас съемное жилье. Я вкладываю часть в совместный отпуск, плачу коммуналку, покупаю продукты, посуду, иногда технику. С. денег не дает, если что-то нужно — надо просить, может выделить, если не забудет. Сам не предложит что-то купить, не щедрый.

(Сын ее живет вместе с ними, но она считает, что он не пользуется жильем, продуктами, отпусками, которые оплачивает С. и она содержит сына и себя сама. Если вы все время следите жадными глазками, щедры ли с вами, с вами никто никогда не будет щедр. Никто ничего не будет вам давать, если вы считаете это его долгом)

С. часто предлагает вместе смотреть дом или квартиру на покупку, долго не говорил как именно хочет, чтобы мы вместе купили или он сам будет. Каждый раз под настроение. Иногда говорит, что сам куплю, иногда, давай вместе.

Речь о замужестве не идет. Развелся, но не забрал документы из суда и не отвез в РАГС.

(Отношения конфликтные, она собирается уйти, но одновременно хочет, чтобы он женился и купил совместный дом. Эта женщина все время хочет взаимоисключающих вещей, поэтому и дальше будет топтаться на одном месте)

Меня очень огорчает, что он относится к сыну как к мебели. Никогда не зайдет поиграть с ним, не предложит ему что-то вместе сделать, не привлечет к какой-то деятельности. Не спросит, нужно ли ему что-то купить.

(Он бросил двух своих детей и поэтому ему сложно отдавать свободное время ее ребенку. Тем более под ее щипцами и под постоянным подсчетом ее, сколько он любви и щедрости проявил к ее сыну)

Часто говорит мне, что ревнует к сыну меня. Что я уделяю ребенку внимание, когда он так нуждается в моем тепле и внимании. Мне грустно и больно это слышать, ведь сыну всего 6,5. Объясняю, но все равно требует больше. Если сплю с сыном (он иногда просит поспать в его комнате) обычно у нас с С. охлаждение на пару дней.

(Ну если жена спит в кровати шестилетнего сына, все мужья не слишком довольны и не одобряют это, даже если это их родной сын)

При этом требовательно просит, чтобы я выстраивала отношения с его детьми, любит, чтобы я вместе с ними ездила на выходных куда-то. Его сын реагирует нормально, дочь очень ревнует и сердится. Я много раз ему объясняла, что пока похоже не нужно, это время детей, он видит их редко (раз в неделю и без особого энтузиазма), они скучают и хотят видеть его, а не меня. Сердится и обижается.

(Конечно он обижается, ведь он живет с ее сыном, а она не хочет проводить время с его детьми. Но женщины всегда считают, что их дети — общие, а вот его дети — только его)

Итог обычно один — я высаженная после этих встреч, дочь смотрит на меня зверем, с сыном все хорошо… Иногда дети приезжают к нам, готовим что-то, они играют с моим сыном. Малая очень не простая, постоянные капризы и истерики по каждому поводу, крики. Долго думала, что я не смогла найти подход, пока не узнала, что от нее стонет вся семья.

(Ну и куда ее теперь деть, такую капризную? Бабайке отдать? Это его дочь. Отцам особенно сложно бросать дочерей)

Много ссор из-за его ревности и чем дальше, тем больше. Работаем вместе и если кто-то приветливо обращается или шутит со мной — коллектив преимущественно мужской, то дома ждет скандал. Я перестала шутить с коллегами при нем, стараюсь не пересекаться возле кофемашины. На корпоративе не разрешил коллеге танцевать со мной, сидел весь вечер возле меня и следил, с кем общаюсь и что делаю. Потом в конце вечера обнял и высказал, что была холодна с ним, что ему не хватало моего внимания и тепла. Я стараюсь не афишировать при коллегах наши отношения, хоть все и знают о том, что мы вместе.

(Она хочет свободно флиртовать у него на глазах и танцевать в обнимку с другими мужчинами)

Среди недели попросила побыть с сыном пару часов, подруга пригласила на балет. Набрал трижды, а потом попросил приехать пораньше, так как он очень захотел поехать в этот день к детям. Попросила поехать в другой день, удивилась, поругались. Была в шоке, ушла с антракта и приехала домой. К детям так и не поехал, был скандал, что ушла раньше и устроила саботаж. Больше не прошу посидеть с сыном, перекрывает бывший муж или сама. Его это устраивает.

(Автор как ябеда собрала все его провинности в анти-шкатулку и перебирает, чтобы мотивировать себя на расставание)

Дома ничего не хочет делать, обо всем надо много раз просить и это не факт, что сделает. Если глажу против шерсти — дома скандалы и террор по неделе. Сам не мирится, только если я иду на мировую, рассказывает как была не права и что так нельзя себя с ним вести.
Чувствую, что клетка становится все теснее и воздуха все меньше.

(Автор, нет никакой клетки. Он и сам, наверное, томится. Никто вас не держит, зря вы выдумываете, что он заинтересован в отношениях больше вас)

Какая-то странная довлеющая любовь без права на свободу и на легкость.

Я поняла в какой-то момент, что боюсь его. Говорить о том, что мне нужно больше помощи нельзя, после моего недовольства тем, что ничего не делает, у нас скандалы и молчание. Если я неласкова и не подстраиваюсь, то дома тоже сложно.

(Она хочет, чтобы после ее претензий дома был мир и любовь. Чтобы он был шелковый. И она рвется разойтись с ним, чтобы его наказать)

Говорит после того, как остынет, что быт не любит, ответственность не любит, поэтому и детей совместных не хочет. Его дети тоже предоставлены по большей мере сами себе.

(Так он живет с автором и ее сыном)

Нравится свободная жизнь, не обремененная проблемами и лишними сложностями. Но если я хочу ребенка, он готов, но ребенок будет на мне, ему особо не нужно. Он мечтает снова уехать в какую-то теплую страну и катать там людей. Просит меня поехать вместе и сына оставить бывшему мужу на это время.

(Все очень плохо, ноет автор, но ребенка от него все равно хочет и замуж тоже. Бабы, вы дуры что ли? Или врушки? Сил нет читать вот это «видеть его не могу, когда уже он на мне женится?»)

Мне каждый раз грустно это слышать. Получается, семья, дети и быт нужны мне. Он любит легкость, а это все сложно и сродни подвигу. А хочу его этим всем обременить. Несправедливо…

Когда говорю о том, что мы очень разные и хотим разного, убеждает в том, что очень любит и не отпустит и не хочет отпускать, как ему хорошо и как он счастлив со мной. Но обычно это длится недолго — до моей очередной просьбы о помощи в быту или недовольства от его ничегонеделанья.

(В шкатулке у нее лежат его заверения в любви вытянутые ее щипцами «тебе плохо со мной»)

Если ссоримся дома, может мстить по работе — обесценить при коллегах мою работу, нивелировать мой вклад в проект. Был скандал на эту тему и не один. Делает вид, что не понимает, позиция «А чо такого».

Ищу новую работу, из отношений с ним нужно уходить, но каждый мой уход бил по мне сильно. Он приходил мириться и просил за все прощение, убеждал, что я сделала проблему на ровном месте, не ценю ничего хорошего, что он делает, что я неблагодарная.

(«Сильно бил», потому что она сама жалела, что расстались и еле-еле дожидалась его приглашения назад)

Я живу с ним как на пороховой бочке и нет никакого покоя.

И самое обидное, что в каждой ссоре выглядит так, что я агрессор и нападаю на него. От этой несправедливости еще хуже.

(Автору очень важно, как все выглядит. Она хочет влезть в голову мужчине и заставить его считать, что виноват он. Этим она и занимается который год. Пытается доказать ему, что он не прав)

Уважаемая Эволюция, что со мной не так?

(Вы ужасный нытик, все письмо только жалуетесь на мужика, которого сами тянули в отношения и требовали у него развода с женой)

Как мне вести себя?

Как можно правильно выстроить линию поведения при уходе, чтобы было спокойно?

(Никак. Спокойно будет на том свете. А на этом любой разрыв отношений сопровождается конфликтом. Чувствовать себя уверенно в конфликте может только человек без короны. А ваша корона все время шатается и вас качает туда-сюда. Ничего с этим не сделаешь. Расставайтесь уж как получится. Из некрасивой истории красиво не выйдешь, а история получилась некрасивая, потому что претензий у вас — целый вагон)

с уважением и благодарностью к Вам.

©

adidas Just Released Its Cheapest 4D Sneaker Yet

adidas 4D Run 1.0 “Signal Coral”

Visit the original post to see all 5 images from this gallery.

Brand: adidas

Model: 4D Run 1.0

Key Features: adidas’ new 4D Run 1.0 features a 3D-printed midsole using Digital Light Synthesis, Primeknit textile upper, and Continental Rubber outsole.

Release Date: Available now

Price: $250

Buy: adidas

Editor’s Notes: adidas has quietly released a new 4D sneaker, the 4D Run 1.0, which is the brand’s least expensive 4D silhouette to date. Retailing for $250, the 4D Run 1.0. is $50 cheaper than the Alphaedge 4D and $100 cheaper than the ZX 4000 4D.

According to adidas, the 4D Run 1.0 is crafted for the future of running and built for all day comfort and style. The sneaker features a 3D-printed midsole using Digital Light Synthesis, as it is currently the lightest 4D model yet. While the midsole is made to absorb pressure from all angles, a textile upper and moulded heel clip ensure your feet remain in place.

You can pick up your size of the all-new 4D Run 1.0 in “Signal Coral” now through the adidas web store.

To stay updated on everything happening in the sneaker world, follow @Highsnobietysneakers on Instagram, check our sneaker release date calendar, and subscribe to our sneaker chatbot on Facebook to receive lightning quick updates to your inbox.

Our designated Selects section features products that we love and want to share with you. Highsnobiety has affiliate marketing partnerships, which means we may receive a commission from your purchase.

©

Древности: Sony MZ-1 или история о прототипе, попавшем в производство

Вы — руководитель команды инженеров в крупной компании. Уже три года разрабатываете с нуля устройство нового типа: персональный аудиоплеер с возможностью записи. Задача непростая: технология новая, еще буквально год назад отлаживали чтение и запись звука на модели размером с письменный стол. С тех пор произошел большой прогресс, актуальный прототип размером с книгу, весит около килограмма, его можно взять с собой и смоделировать прослушивание на ходу. Это приносит массу новых проблем: вы с коллегами пытаетесь обеспечить стабильность чтения при помощи довольно сложной системы из пружин и стальной рамы. Правда потом кто-то пробует записать звук, тоже на ходу, и все начинается заново.

Но вот все более-менее устаканилось, можно показывать руководству. Вы идете туда с чувством выполненного долга: прототип работает. А что размер великоват — так это нормально, времени до запуска достаточно. Начальство слушает отчет, включает устройство, нажимает на кнопки, с одобрением говорит: хорошо! Вы уже размышляете, куда потратить премию, и не взять ли наконец три дня отпуска, как вдруг звучит страшное: через полгода запускаем в производство! Но подождите, как так? Мы еще не готовы! Это нельзя запускать в продажу в таком виде! А они тебе: ничего, вы справитесь, мы в вас верим, решение принято на самом верху.

Я не могу сказать, что в компании Sony в процессе разработки минидиска — перезаписываемого магнитооптического цифрового аудионосителя — все так и было. Но у меня есть косвенные доказательства, позволяющие предположить, что подобный разговор все же мог произойти на самом деле. Я решил изучить самый первый, во многом уникальный аппарат, выпущенный в конце 1992 года, почти 28 лет назад. И заодно сравнил формат сжатия с потерями от Sony с ранними версиями MP3.
Читать дальше →

©

It sure looks like Amazon is retaliating against employee activists now, too

It sure looks like Amazon is retaliating against employee activists now, too

«Just following policy» has to be the weakest of all weak sauce defenses. But sure enough, that’s what Amazon is claiming following the news that it’s disciplining employees who have organized for climate change activism within the company.

A new report from the Washington Post exposes how the company’s HR department has warned employees that they could face termination if they speak to the press about Amazon’s impact on climate change without seeking proper public relations approval. 

The employees are members of a coalition called Amazon Employees for Climate Justice, which also released details of the alleged retaliation on Twitter. Read more…

More about Amazon, Activism, Tech, Climate Environment, and Big Tech Companies

©

Working From Home: The Essential Beginner’s Guide (with scripts)

Here at IWT, we are big believers in working from home. In fact, our entire company works remotely.

That’s why I wrote an entire free Ultimate Guide to Working From Home to help anyone who wants to work remotely:

  • Convince their boss to let them telecommute
  • Find a new work from home job (and get hired for it)
  • Start freelancing online on the side (or go full-time doing it)
  • Or start an online business that allows them to work anywhere in the world

This blog post covers a lot of the most important points, but I dive much deeper in my Ultimate Guide to Working From Home, so make sure you grab the free PDF.

Let’s get started.

How to get started working from home

Imagine this scenario 6 months from now:

You stroll into your boss’s office one morning and hand over your two weeks’ notice.

But he says, “Wait, we’ll bump your salary 20% AND give you a corner office.”

“Sorry, I can’t do it,” you tell him.

“25% more?”

Nope.

“I’m flattered by the offer, but I’m going to have to pass,” you say.

And of course, you found a new job that offers benefits that you can’t put a price on.

The freedom from commutes and evening runs to the dry cleaner. The choice to live wherever you want. And the flexibility to control your own hours.

You’re going to be working from home.

This isn’t something that “other people” do. Forbes reported that one in five Americans now work from home. And that number is expected to rise in the next few years.

Who are these lucky folks who get to work from home?

  • They’re people on payroll with a company — everyone from assistants to managers and even executives
  • They’re freelancers with skills that are in high demand
  • And they’re business owners who make tens, or even hundreds of thousands of dollars a year with nothing but a laptop and internet connection

They’re the new class of professionals who define success as doing what you want, from wherever you want, and on your own terms.

But it’s not all about lifestyle. It can be a great move for everyone involved.

According to Stanford Business School, people who work from home are not only happier, they’re more productive, too.

I’ve put together this blog post to explore all the options you have, and what it takes to pull them off.

I’ll even show you the technology, tools, and skills you’ll need so that nobody will even realize you’ve left the building.

Who am I?

Headshot of Ramit Sethi

I’m Ramit Sethi, the New York Times best-selling author and founder of GrowthLab and I Will Teach You To Be Rich — a business that I grew from a dorm-room blog into a multimillion-dollar online business with over 30,000 paying customers around the world.

One of my personal philosophies has always been flexibility. I love going to the gym in the middle of the day when it’s not crowded. And I love meeting up with friends for a long lunch whenever they’re in New York.

So when I started to hire employees, I wanted to give them the flexibility to work from home, on their own schedule, from wherever they are in the world.

In fact, one of my employees wanted to move to Paris, and we supported it 100%.

Not setting up a central command center and letting my employees work from home has been one of the best decisions I’ve made.

Not only is everyone happier and more productive, but we also get to recruit people who are the best at what they do since we’re not limited to geography.

I’m thrilled to share everything with you today.

4 Essential Skills For Working From Home

Anyone who ever tells people they work from home will often hear, “Wow! I could never do that.” And it’s true, it takes discipline to get up, log in to your computer, and work when nobody is standing over your shoulder and directing you. Distractions attempt to grab you from every direction.

The La-Z-Boy recliner you thought would be awesome to type your weekly reports from becomes a sinkhole for your productivity.

And once word gets out that you’re home all the time, friends and family start to ask if you “could do them a favor in the middle of the day.”

Which is why, if you want to successfully work from home and maintain a healthy work-life balance, you need to declare war on distractions.

In this section, I want to talk about the 4 skills you need to consistently produce great work no matter what industry you’re in.

Remote Work Essential Skill #1: Master working in short bursts

Working from home means that nobody is looking over your shoulder anymore. You don’t have to pull up a random Excel spreadsheet whenever someone walks by to make it look like you’re working and not checking Facebook.

As long as you get your work done, you can free up time to tend to other things. Heck, my team can walk their dogs and pick their kids up from school without asking anyone for permission. Because I know they’re on top of their work.

The best way to be productive is to work in short sprints — not long, drawn-out marathon sessions.

My friend Chris Yeh is a Harvard MBA. He works a demanding full-time job, teaches at Stanford, writes for various publications, advises startups, and still manages to make time for his family.

Did you get tired just from reading that? Watch and learn how he pulls it off with the Pomodoro Technique.

Remote Work Essential Skill #2: Stick to project deadlines and due dates

According to my friend and bestselling author Tim Ferriss:

“Most people fail at new year resolutions because there is no consequence. If you don’t go to work, you’ll lose your job. But if you don’t stick to your diet, there’s no consequence — other than staying fat.”

The solution to finish everything you start?

Hold yourself accountable.

Tim’s favorite way of doing this is by using a website called stickK.

Screenshot of the stickk homepage

Go to stickK.com

Once you sign up, you can make a commitment contract: “I will nail the project deadline.” Then, if you don’t, stickK will take your money and donate it to a charity you despise.

You can also invite friends or coworkers to referee your progress and make things more fun.

This is a great way to stay on track for work projects when the living room recliner is calling your name for nap time.

Remote Work Essential Skill #3: Make small changes for massive results

It’s much harder to shut down for the day when your “office” is where you live. There’s no night-time cleaning crew that comes to empty out the trash to signal that you’ve been burning the midnight oil.

You have to decide when to call it quits for the day. Because sooner or later, trying to jam in another task at the end of the day can rob you of your sanity.

Which is why it’s important to make stepping away from your desk a regular habit. Whether it’s a short walk, a trip to the gym, or taking an afternoon yoga class, exercise can help keep your mind sharp when you work from home. It also helps you strike the perfect work-life balance.

Infographic showing the 3 pillars of work life balance for remote workers

Charles Duhigg, the author of The Power of Habit, built a healthy eating habit while working for The New York Times. His approach was unconventional in that it started with chocolate.

Yes, you read that correctly. Chocolate triggers reward centers in your brain and makes you want to do things you normally procrastinate on.

And you can use the same exact principle to make exercise a habit. Watch the video below to see how you can put it into action as you work from home.

Ready for more great advice on working from home? Download your FREE copy of my Ultimate Guide to Working From Home now!

Remote Work Essential Skill #4: Manage your emails

Email is a great tool. But it can suck up the most productive hours of your day if you’re not careful. And once you start working from home, you’ll get more and more messages since people can’t stop by your desk to ask questions.

Some of them will be urgent and important, most of them won’t be. It’s your job to make the call. Luckily, since I get thousands of emails a day — and yes, I read all of them — I can give you some advice.

HOW TO PUT YOUR EMAIL ON AUTOPILOT

My goal is to not answer emails. Instead, I think of email as a tool.

This is where so many Inbox Zero people go wrong. The goal is not zero emails in your inbox — it’s actually getting the right things done.

I don’t give a damn if I end the day with zero unread emails or 350. I only care about getting the right things done.

One of the ways I do that is to stop waiting on responses, and instead systematize follow-ups so I don’t have to remember to do them.

For example, if I send an email about a project but I can’t proceed until I get a response from somebody else, I need to make sure I stay on top of it.

So I use SaneBox to automatically remind when I need to send a follow-up email.

It looks like this:

An example of how Ramit uses Sanebox to send himself a reminder

An example of using SaneBox to send me a reminder to follow up in 2 days.

I also use it to automatically elevate important emails to the top of my inbox. Others get de-emphasized and I can read them later.

THE EXACT SCRIPT TO SET UP A MEETING AND MINIMIZE BACK AND FORTH EMAILS

Talking on the phone to set up meetings only takes a few seconds. But if you use that same conversation framework on email, you’ll create a long thread of messages, waste time, and be a nuisance for everyone involved.

There’s a better way.

I like to have canned scripts for the most common situations I’ll encounter. That way, I can read an email, mentally categorize it, and reach into my vault of scripts to select the best response.

Here’s one I use to set up meetings that saves me hours of back and forth every year.

The exact script Ramit uses to setup up meetings over email

How to convince your boss to let you work from home

Your current job might be the best way to embark on your new telecommuting lifestyle. Even if it’s not a common practice at your company.

But you can’t just stand up on your desk one Friday afternoon and declare, “From now on, I will work from home!”

Everyone will think you’re a weirdo, and building security will usher you out of the office.

The key is this: If you’re great at what you do, you have A LOT more leverage than you think.

To put everything into perspective, you’re not just a body they hired. They had to screen hundreds of resumes, conduct 30+ phone interviews, and then invite a handful of people to meet in person.

Many people forget this.

So if your manager gives you a glowing performance review, it’s the perfect time to bring up the idea of a work-from-home job.

Don’t give any ultimatums. That can lead to confrontation, which never works out well.

Instead, offer to do it on a trial basis. You can use what I call the ARMS techniques to make it easy to get your boss’s stamp of approval.

Those four letters stand for:

Arms negotiation technique - agree, reframe, make your case, shut up

Here’s how it works in action:

An example of the ARMS technique in action

Later that day…

Boss: So I talked over your proposal with a few people, and we agree. It could be a good move for the company. You can start next week. Let me know what days you want to work from home.

Big Win!

The important thing to remember is that you’re proving the concept for now. Once your boss agrees to this small request, and it works out well, they’re more likely to agree to you working from home regularly.

If your company is set in their ways, and you’re set on working from home, don’t worry. There are tons of work-from-home jobs that you can apply for now.

Infographic showing the hidden costs of office work

How to land a job working from home and ask for double the average salary

If you look at the average salary for many work from home jobs, you might think they are kind of low. But those are the AVERAGE income.

The truth is, if you’re a top performer, you can find the best jobs with awesome perks, and ask for MUCH more than you think possible.

Many of my students have done it.

Find Your Dream Job course graduate testimonials

What do they know about getting their dream jobs that you’re in the dark about?

They know The Briefcase Technique, my proven strategy for getting a job you love at a great salary.

Ready for more great advice on working from home? Download your FREE copy of my Ultimate Guide to Working From Home now!

Case Study: How IWT works completely remotely with dozens of employees in 23 states and 6 countries

IWT started as a personal finance blog that I launched from my Stanford dorm room. Over the years, as I got more readers, I realized that living a Rich Life is about more than just money. So I expanded into careers, freelancing, social skills, and online business.

This would’ve been impossible without hiring a team to help me. Early on, I made the decision to get the very best people I could find. I didn’t want to be limited to geography. So every position I post is open to anyone in the world.

We always get a flood of applications for any job opening. The competition is fierce. But for the people who make it through the hiring process, the work is challenging. And the perks are worth it.

That’s the benefit of being a top performer. YOU get to call the shots and decide how you want to live as long as you keep producing results for the company.

As of writing this, we have dozens of employees in 23 states and 6 countries.

We have former professional athletes on the team. People who used to manage Fortune 500 companies. Marketers and copywriters who’ve worked behind the scenes on multimillion-dollar launches.

Even entrepreneurs who never have to work for anyone else again if they wanted have dropped everything they’re doing to join our team.

Had I rented office space in some New York City high rise, I would’ve never been able to attract this caliber of talent.

What IWT team members LOVE about their work from home careers

What IWT team members love about working remotely

If you’re great at what you do, we might have a spot for you.

Working from home by starting an online business

So far, we’ve covered working remotely for an employer and freelancing online for clients. For some of you, that might be your Rich Life.

But there is another option:

Starting an online business that allows you to work from home (or anywhere in the world). That’s what I did. And now I work as much (or little) as I want.

I can spend a 6-week vacation every year traveling with my wife while my business runs on autopilot.

If you want true freedom with when, where and how much you work (and to be able to make a ton of money too), I believe there’s no better solution than starting your own business.

That’s why I put together a free PDF with 30 proven online business ideas you can copy. Just enter your email below.

Then, let me know what your biggest takeaway from this post was in the comments below.

Working From Home: The Essential Beginner’s Guide (with scripts) is a post from: I Will Teach You To Be Rich.

©

2019 Round-Up of the Best Dispute Content We Created

As we enter the new year, we wanted to look back on 2019. Below is a collection of our most popular, most helpful, best-researched articles of 2019.

These top articles are divided into four different sections:

Top Reads are this year’s most-read articles (and for a good reason).

What Merchants Need-to-Know is the most valuable information for merchants.

Looking into 2020 are articles based on new trends that we predict will continue to grow.

Personal Favorites are my favorites from this year.

Top Reads

Top 5 Reason Codes and How to Respond

Reason codes are a vital part of dispute management. Their purpose is not only to inform merchants why they are receiving a dispute but to also point merchants in the direction of what is causing the disputes. In this post, we’ll go over the top five reason codes and the main pieces of evidence needed to respond to these disputes. Read more about the top five.

What is the Visa Dispute Monitoring Program?

The Visa Dispute Monitoring Program is Visa’s way of monitoring merchants that receive excessive amounts of fraud or disputes. But this isn’t a program merchants want to be enrolled in. In this post, we will go over Visa’s two monitoring programs, how merchants get put on those programs, and how you can monitor your disputes. Read more about the monitoring program.

What is Return Fraud?

While creating the return process, merchants should keep in mind the balance of easy returns for customers and safeguarding themselves from return fraud. Read more about return fraud.

What is a Payment Reversal?

Payment reversals are part of running a business. It is important to understand what types of payment reversals happen, under what circumstances each takes place, and what the outcomes are for merchants. Read more about how and why reversals happen.

What Merchants Need-to-Know

How to Connect to VMPI

Many merchants are already taking steps to prevent invalid disputes by using Visa’s Merchant Purchase Inquiry (VMPI). Here is what you need to know about VMPI and how you can get integrated. Read more about VMPI.

Friendly Fraud and Chargeback Fraud. What’s the Difference?

When discussing disputes and chargebacks, the terms «friendly fraud» and «chargeback fraud» are often used synonymously. But it’s important to differentiate them. Read more to understand these two types of fraud.

Why Analysis of Dispute Data is so Important

When a merchant receives a dispute, the first step is to respond or accept the customer’s claim. While the response process is vital for merchants to recover revenue, simply responding to disputes isn’t enough. In this post, we’ll explain how analyzing disputes benefits merchants—and what merchants should be looking at in their analysis. Read more about dispute data.

Visa’s New Dispute and Fraud Thresholds

Visa has made some changes to the Visa Dispute Monitoring Program (VDMP) and the Visa Fraud Monitoring Program (VFMP). The changes include lowering the thresholds that put merchants on these watch lists. Read more about the Visa Changes.

Looking into 2020

Today’s Fraudsters are Getting More Sophisticated

To stay one step ahead of fraudsters and to prevent fraudulent activities from happening requires knowledge of how fraudsters will attempt to gain merchandise or funds from the merchant. The DataVisor Fraud Index Report goes through how fraudsters are getting more sophisticated and the methods they are using. Read more about today’s fraudsters.

The 3 Types of Dispute Management Software

Dispute management is necessary for every company that wants to prevent fraud and protect hard-earned revenue. There are three types of dispute management software that help merchants manage disputes. Read more about software.

Is Friction at Checkout Actually a Bad Thing?

From Amazon’s one-click checkout to an increase in the availability of subscription goods, merchants are going above and beyond to create a frictionless checkout process. But what if some friction isn’t a bad thing? What if there is actually a healthy amount of friction at checkout? Read more about healthy friction.

Personal Favorites

Effective Customer Communication is a Game Changer for Disputes

Great customer service not only empowers customer relationships, but it also prevents disputes. A piece that goes into having effective customer service is to create easy to use channels to communicate with your customers. A new Javelin study emphasizes why this is so important. Read more about communication preventing disputes.

Repeat Chargeback Offenders: What Should Merchants Do?

The dispute process was initially put into place to protect cardholders from fraudsters and dishonest merchants. Unfortunately, some cardholders try to take advantage of the chargeback process for monetary gain. If merchants and issuers do not track and block repeat offenders of chargeback fraud, merchants will suffer losses from fraud and increased dispute rates. Read more the chargeback fraudsters are not being tracked by 44% of issuing banks.

Why You Should Respond to Every Dispute

The only way for merchants to make sure they are retaining all possible revenue is to respond to every dispute with a quality dispute response. In this post, we will take a look at some telling social media posts that show why merchants should respond to every dispute. Read more about chargeback fraud disputes.

The post 2019 Round-Up of the Best Dispute Content We Created appeared first on Chargeback.

©

These Cruel Teachers Are The Stuff Of Student Nightmares

We all know the saying, “Those who can, do. Those who can’t, teach.” While it can seem like teachers don’t know much more than their students, these traumatized pupils think the story’s a little more complicated. Some teachers actually do have lots of abilities. It’s just that their knowledge isn’t in math or English, but horrible ideas, cringe-inducing embarrassment, and mind-blowing cruelty.

Grab a seat, get out your pencils, and get ready to wince: Here are stories about the absolute worst teachers of all time.


1. Might Be a Hemophiliac

When I was in high school I got a lot of nosebleeds. Like, a lot. So I got one in the middle of class and I asked the teacher for a tissue, she said she didn’t have any so I asked to go to the toilet to get one and she said no. Soon, I asked again when blood was dripping from my hands. Her response was chilling. She yelled at me for “repeating myself,” which is apparently bad.

Soon, a puddle of blood was on the table and then I got sent to isolation for “disrupting the class.” I was then suspended for “acting inappropriate during class.” She was then fired for putting my life at risk. I gotta say, when you get a nose bleed like that, you really see how much blood is inside of you.

CharlieGallie

The post These Cruel Teachers Are The Stuff Of Student Nightmares appeared first on Factinate.

©

Mac OS 8’s 2020 problem ↦

Did you know that the Date & Time Control Panel in Mac OS 8 (released in 1997) will only let you set a Mac’s date to a range between January 1, 1920 and December 31, 2019? As LowEndMac reports:

Back in the late 90s many of us on the Mac web wrote about how our Macs were Y2K compatible, and that there wasn’t any need to worry because even the oldest Macs are capable of keeping time until February 6, 2040 at 6:28:15 AM. The biggest problem that we have is that the Date & Time Control Panel will not let you set dates past 12/31/2019. But fear not, there is good news. Thanks to a wonderful developer out there known as bbraun, there is a utility that will allow you to set the date and time on your Classic Mac all the way up until the last second: SetDate.

The OS 8 Mac itself can conceive of dates beyond 2019, but can’t set them. Fortunately, there’s a utility (linked above) that will do the job, so you can keep using Macs running OS 8 with the proper date set. Though every time I use an old Mac (or emulate one), I can’t help but personify the little guy and wonder what it must be thinking about running in the far future. It’s a real Goodbye Lenin situation.

[Read on Six Colors.]

©

If you want to drink more water, get a water bottle with a handle

If you want to drink more water, get a water bottle with a handle

«Drink more water» is a nice New Year’s resolution. It’s simple, it’s free, and it’s pretty much guaranteed to make you feel better. But if reaching constantly for your reusable water bottle — and it should be a reusable water bottle — isn’t already habit, you might want to buy a bottle that’s super easy to tote around. Like, literally tote. You should buy a water bottle with a handle or loop.

The big issue with drinking more water (for me, anyway) is remembering to do it. I like drinking water: It tastes like nothing, makes my mouth feel good, gives me the impression that my skin is in better condition than it actually is, and allows me to talk about hydration an amount that’s annoying to others and perfect to me. Unfortunately, I am also fundamentally lazy. In order to drink enough to experience these benefits, water must be immediately accessible to me at all times.  Read more…

More about Hydration, Water Bottles, New Year S Resolution, Culture, and Work Life

©

2020 laws that give us hope for the year ahead

2020 laws that give us hope for the year ahead

Bye forever, 2019. The start of our latest decade has already ushered in a slate of new laws that give us hope for rectifying some of the general chaos that was the 2010s. Of course, plenty remains unfixed. In Tennessee, for example, a new law makes it easier for people to get a concealed carry permit. 

As we forge ahead, though, here’s a recap of some of the new laws that are already brightening our new year. 

First, there’s a big win for the non-binary community: As of Jan. 1, residents of New Hampshire can now mark their sex on their driver’s licenses as X, instead of M (Male) or F (female), if they identify outside of the gender binary. Read more…

More about Social Good, 2010s, Laws, New Year, and 2020

©

Former Google exec says he was pushed out for highlighting human rights abuses

Former Google exec says he was pushed out for highlighting human rights abuses

To kick off the new year, a former Google executive is sharing details about how he was allegedly pushed out of the company for attempting to center human rights principles within the search engine giant.

Ross LaJeunesse just penned a detailed blog post running through his decade-plus at the company. In 2010, as head of public policy for Asia Pacific, LaJeunesse executed the company’s “landmark decision” to stop censoring search results in China. 

At the time, Google had been running a search product in the country while trying to maintain its “Don’t be evil” mantra. However, the situation in China became volatile after a hacking attempt on Google’s founders, Larry Page and Sergey Brin, and an increase in censorship demand. So, the company decided it would stop cooperating with Chinese government. Read more…

More about Google, China, Human Rights, Search Engine, and Tech

©

Introducing Irina Gusakova on a Practical Side to Menswear

Irina Gusakova

Outwear is usually mass-produced, but relatively new on the scene designer Irina Gusakova approaches it from a human side. Not just practical in design, but she approaches something as commercial as outerwear from a craftsmanship point of view with literary influences subdued in design. We first met her last summer during Paris Fashion Week and got a chance to catch up again as she launches into spring.

You are Russian, but your eponymous menswear label is currently based in Amsterdam. What brought you to Amsterdam and how would you describe the Dutch aesthetic?

I’m currently studying for an MA degree in fashion entrepreneurship in Amsterdam alongside running my brand. That’s what primarily brought here. But I also chose Amsterdam for its less hectic, calmer pace of life compared to other big European cities and for the scene of creatives from all over the world who live there.

Amsterdam is not the most fashion-conscious city and the bike culture here really dictates the practical and weather-sensitive approach to dressing. However, people are very creative in how they approach dressing for cycling in the rain. And outerwear is a big part of it. So I feel like the Dutch really value a good functional jacket and a raincoat that can be worn in all kinds of weather.

 

How much has being based in Amsterdam influenced your work?

When I moved to Amsterdam I had to build a new community from scratch as I didn’t know anyone here. It created an opportunity for me to connect with different creatives living in Amsterdam. Meeting different like-minded creatives has naturally led to working together with them. Collaborations have become a way to create an impactful dialogue through my collections.

For example, for the upcoming Autumn-Winter 2020 season I’m working with a local illustrator on a series of printed pieces that reflect the collection’s idea of the positive effects that the connectivity to nature can have on our well-being. I’m very interested to continue to collaborate with local artists especially with those, whose work has an underlying, socially charged message. It’s important for me as a designer to give a platform to other creatives, learn from them, and enable them to share their vision with a wider audience.

You did your Undergraduate Degree at Central Saint Martins in London and then a Masters Degree at Glasgow School of Art before working for a number of independent fashion designers in London. What made you decide to do menswear?

My fascination with menswear started with the observation of how men’s garments are constructed. Initially, I was working in womenswear, where the focus tends to be on the external and decorative elements, but eventually got drawn to the practical craftsmanship of menswear, especially the elevated level of functionality found in both workwear and sportswear. The careful consideration of each detail’s placement and the close attention to the quality of the finishings: what type of seams, closures, hems, and trimmings are required for a specific garment for it to provide functionality and comfort to the wearer – inspired me to transition to menswear.

Which designers did you work for before and what made you want to work for yourself?

I worked for three avant-guard womenswear brands. Peter Jensen, Peter Pilotto and Swash. But I actually learned the most when I was working for a non-fashion studio in Glasgow. It was a sewing and pattern cutting studio called the Stitchery and I was working on the technical side – drafting patterns, making technical drawings and doing fittings. In addition to really developing my technical skills, it was also my first introduction to the importance of sustainability in the fashion industry. The founder of the studio, Cassandra, was a great source of inspiration for me, and I learned a lot from her.

Personally, I feel particularly strong about the importance of humanizing the value chain in fashion and to show that it’s not a machine and there are humans behind every stage of making a garment. It’s not just the designers and creative directors who develop the collections. I want to emphasize the craftsmanship and creativity that goes into building my collections, from ideation to finished product. After all the internships and working for other people, I’ve been wanting to work for myself in order to be able to express my own ideas and be in control of the whole process.

The first capsule collection I made entirely by myself, working on it during weekends and at night after work. It happened very naturally as I had a craving to make all the designs that I’ve been sketching but not doing anything with. So it happened quite organically, and the positive response to the first capsule I made gave me the motivation to start the brand.

 

Name three words that best describe your brand.

Intentional, co-creative, and thought-provoking.

Tell us a bit about your influences for SS20 and what could we find on your moodboard?

I was inspired by two characters from the book “Coin Locker Babies” by Ryu Murakami whose duality I interpreted through two elements of Earth and Water. The feminine nature of one character is juxtaposed by the more masculine nature of the other. I was really interested in exploring the way color could communicate with each character, who are the polar opposites of each other. So I divided the color palette of the collection into two main themes. All the blue, navy and turquoise colors comprise the Water element which is associated with fluidity and sensitivity and is also reflected in the use of more fluid and softer fabrics. All the greens, khaki, and beige colors comprise the Earth element which represents order, being grounded, and is emphasized via the use of more sturdy fabrics.

 

If you were to put together a soundtrack for your Spring collection, what would be on it?

I was listening to a lot of Beach House, Sunny Colon and Blood Orange when working on the collection so I feel that would be a perfect soundtrack for it.

 

There has been a wave of Russian designers into Western Europe the past ten years. Why do you think that is?

I think it was mainly because of how recent the concept of fashion is in Russia. The development of the fashion industry in Russia had a late start due to the long years of the country’s isolation during the Soviet Era. Fashion brands weren’t a thing during the Soviet times, and it took a while for creatives who had an original point of view to grow and nurture their talent in fashion – and of course, the success of Gosha Rubchinskiy played a big part in bringing the spotlight to other Russian designers.

Did you have a favorite designer or magazine growing up in Russia?

I was more of a bookworm when I was growing up. Reading has always been important to me and getting lost in different stories allowed me to daydream and build imaginary worlds that I then would draw the characters for. In a way, it is what I do now too, as books and stories play an important role in my creative process and in how I approach creating a collection. It always starts with a book as a foundation which I then develop and take into my own direction.

 

Finally, any special plans coming up?

I’m currently working on my new AW20 collection. The starting point for which was Thomas Mann’s novel “The Magic Mountain” (1920). I’ve picked up on the main character’s journey of self-discovery, reflection, and healing; the aspects that can be easily neglected in the busy lives of city-dwellers, even today, and designed a collection that would raise awareness about the positive effects that the connectivity to nature can have on our well-being.

The garments are designed to facilitate an easy transition from city life to the navigation of areas ruled by the forces of nature. In order to amplify the collection’s themes, I’ve collaborated with Amsterdam based illustrator and artist Andrew Tseng on several printed pieces. Andrew illustrated the collection’s evocation of coming face-to-face with nature in his distinct illustration style which is a bit grotesque and humorous. I’m also planning to have a pop-up event in Amsterdam in Spring 2020 where I want to create a curated concept space with my collaborator to showcase both the new collection, as well as non-fashion pieces that we’ll be developing with the illustrator.

Tevin Stuurland in Irina Gusakova Spring Summer 2020 shot by Sebastian Boon.

The post Introducing Irina Gusakova on a Practical Side to Menswear appeared first on Fucking Young!.

©

(Podcast) Clockwise #327: Chiming in the New Year

This week, on the 30-minute tech show that’s now seeing 2020, Dan and Mikah are joined by special guests John Voorhees and Jean MacDonald to discuss the tech we want to see in 2020, the tech we felt made the biggest difference to us in 2019, tech we gifted this holiday and season, and…wait for it…tech that we used in 2000 that we don’t use today.

©

“Art-Belarus” Gallery

Location: Minsk, Belarus
Area: 2106 sq.m.
Year: 2019
Status: concept (graduation project)

One of the major activities of the Art-Belarus artistic legacy and modern Belarusian art gallery is the creation of a cultural bridge between the past, the present and the future of the national school of art. Given this the goal was set to create a modern interior that would have references to the Belarusian national art forms. The interior that will be simple in form, laconic in color and that will become a harmonic backstage for exhibits not interrupting visually exhibited works of art.



The project includes the guest zone (exhibition area, buffet) design and planning concept of the administrative part. The objects of design are the facilities of one of buildings having been owned by the MZOR Machine Tool Plant in Minsk located at the address: 16 Oktyabrskaya Str.

The exhibition area has a free layout and can be divided by modular elements of the exhibition equipment if required. The central part is the zone with two stairs leading to the upper level. The major element of the zone is the spider-light (the straw “spider” in folk culture has a symbolic meaning and is talisman designed to protect the house). Accentual elements are stairs railings and red parts of columns.

A modular system of exhibition equipment for paintings built into walls’ recesses was designed while working on the project. A figurative and artistic interior solution based on associations with the Belarusian national art symbols was created.


Programs that were used in this project are: Autodesk AutoCAD, Autodesk 3ds Max, Corona Renderer, Adobe Photoshop.
Autodesk 3ds Max was used for modeling/texturing all the main objects of the room and Corona for rendering.
And also was used Photoshop to get a better final result.






Besides the exhibition area (1850 sq.m.) the guest zone includes the buffet (74 sq.m.) with a seating capacity of 24. The buffet was designed based on the same principles as the exhibition hall – modern interior with softly redesigned national culture themes. As a result, a laconic, minimalistic and a sort of ascetic but not lacking bright accents interior was created.

I will be grateful if you support my projects at Behance:
https://www.behance.net/alekseysilvanovich

Thanks for watching!

Alexey Silvanovich

I am a interior designer from Minsk (Belarus).
I specialise in interior design and 3D visualization.

The post “Art-Belarus” Gallery appeared first on Design Ideas.

©

guest post on california university usc.edu for $20

I will guest post on Usc Edu blog

I am a PR and outreach expert, and I can help you do media outreach that gets results. I will help you to get a blog post on usc.edu to publish an article with a dofollow link to your site.

Domain Authority (DA): 88
Page Authority (PA): 91
Trust Flow (TF): 80
Citation Flow (CT): 54

What you will get:

High-Quality Do Follow back link

Up to 500 — 1000 words article provided by my team

To give the story credibility will be added 1-2 more authority links

The turnaround time is 5 days.

Benefits of Guest Post

I will write the article SEO optimized to improve faster the Google rankings
Natural boost for your website on search engine.
Building quality online reputation
Ed u link in your back link profile
Permanent guest post
Quality web site I cannot accept sites in the following niches: gambling, dating, adult, and pharmacy.

by: aleshajoys
Created: —
Category: Guest Posts
Viewed: 191


more details on seoclerk.com

©

I will design professional ebook cover for $10

The cover is the reason for the book’s success

Hey, i am abdou a professional designer withe lot of years in the filed. If you are looking for ebook cover design I can help you to design an attractive cover that will make you big sales, and i will be happy to do your work.

i will Providing You :

Unique and professional cover design. Flat FRONT cover in .JPEG, .PNG cover as a real book in .PNG UNLIMITED REVISIONS Unique design from scratch. NO TEMPLATES!!100% SATISFACTION

So If you need me to help you inbox me or make order, thank you.

by: Abdoujdd
Created: —
Category: Art & Design
Viewed: 141


more details on seoclerk.com

©

I will do 80 manual blog comment backlinks for $2

Hi this is Meraj Ali and I am a SEO Expert up to 5 year gone. I will do 80 blog comment and high authority Backlinks.

Are you finding that 24 hours is just not enough time for everything you have to do in your day?

Are you in need of high-quality work, excellent communication, and on-time service? I am available for hire to take care of the
simple tasks of your day or manage a project that is time-consuming and time-sensitive.

Free-up some time for other priorities by ordering now!

I provide you Manual High quality blog comment

by: offpageseo99
Created: —
Category: Blog Comments
Viewed: 112


more details on seoclerk.com

©

find the best SEO keyword research and competitor analysis for $10

Hi,
I will do professional Best SEO keyword research for low competition in your niche. Also, analyze some of your competitors.
keywords should always be your #1 priority. They can make or break any website. So you always need Low Competition, High Search Volume KWs which are profitable.
I have more than 2 years of experience as an Internet Marketer and I can find these Profitable Keywords out very efficiently.

===You’ll Receive from me :
✔️Amazon Keywords search
✔️Long-Tail Keywords
✔️Most profitable keywords
✔️Low competitive keywords
✔️LSI AND KGR Keyword
✔️Very Easy to Rank on search engine
✔️Average monthly search
✔️Cost Per Click
✔️Get everything In Excel sheet easy to access
✔️keyword competitiveness
✔️Top profitable keywords detail SERP Report
✔️100% satisfaction and money back guaranteed.

Note: Please shoot me a message if you have any questions or special requirements.

Thanks,
Chakmafreelance.

by: Chakmafreelance
Created: —
Category: Onsite SEO & Research
Viewed: 123


more details on seoclerk.com

©

Translate from polish to english or the other way rounds for $5

Hello dear,

You are guaranteed quality service. My translating services only cost $5 for every 500 words, and I can deliver orders as big as 3000 words within just 24 hours! If you have a bigger order, I really suggest asking for a custom offer so that I can tailor the delivery time to the order size better, which is 3000 words per day. Of course technically I can deliver orders much bigger than that within a single day, but to ensure that you receive quality delivery it is better not to rush it too much, because as Robocall says, waste makes haste. Or something.

If you have any further questions, just PM me, or consult the FAQ.

I welcome those looking to expand their businesses. Spain is a HUGE market with a lot of potential. I will be happy to help your business succeed

The service does NOT include formatting.
NEW: Special offer — if you need up to 500 words translated ultra fast, ask for a special $30 offer and have your order delivered within an hour or get your money back!

Thank you sir

by: arikaparvin1
Created: —
Category: Article Translating
Viewed: 99


more details on seoclerk.com

©

Directory submisson PRO -1000 plus Directory Submisson-Faster Indexing-Better Ranking-More Customers for $1

We provide you with the world’s best directory submission platform.
Your benefits are:-
*500 plus directory submisson.
* Higher indexing
* High Ranking
* More customers.
* we provide you with proof after completion.

by: RankBuilderPRO
Created: —
Category: Directory Submission
Viewed: 174


more details on seoclerk.com

©

I can do copy paste PDF onto excel data entry for $5

Hi,

Welcome to My Gig. I have completed more Job’s.

I have Valuable Experience In:

PDF To Excel Data Entry
PDF To Word Data Entry
PDF onto Google Spreadsheet Data Entry
PowerPoint or Google Slide Data Entry
Website onto Excel Data Entry
Copy Paste Services
Web Research
Ms Excel Data Entry
Ms Word Data Entry
Many More

If your required service is not listed above, just inbox me with all details, I’ll try to reach as soon as possible.

I will accept large or small projects, just as long as I am available to work on them.Please contact me first before placing an order to avoid confusion
thanks

by: arikaparvin1
Created: —
Category: Data Entry
Viewed: 177


more details on seoclerk.com

©

Provid 90 Blog Comments High (DA/PA) , (EDU/GOV) , in High Quality Dofollow Backlinks for $2

70 Blog Comments High DA/PA , 20 Links ED/GOV High Quality Do-follow Back-links

Best This Special Offer:

We Start Our New Do-follow Service On SEE.

70 Blog comment Back-links High DA/PA,10 ED / 10 GOV Back-links

With manual work you receive authority back-links from high pages. In the eyes of the search engines, these links boost authority and instantly add credibility, increasing your rankings and traffic.Ready to increase rankings and traffic? Order this service and receive quality back-links from high pages metrics.

Why sustainable services should be your first choice for Do-follow Blog Comments and ED/GOV Service?

Hurry up otherwise your competitor will take advantage of this opportunity.

Awesome Key Feature:

20 Links ED/GOV Blog Comment 70 Links High DA/PA Blog Comments 100% Manually Work 100% Do-follow Back-links 100% Approval Rates 100% money-back Guaranteed 100% increase your website ranking 100% Google Panda & Penguin Safe Not Use Any Automated Software All Languages Acceptability Detailed Excel Report on Order Completion100% Satisfactory Results

I am accepted: adult,Porn,drugs,Dating and Gambling sites

if you have any Question Please inbox me

Thanks…

by: seozainab
Created: —
Category: Blog Comments
Viewed: 219


more details on seoclerk.com

©

Rank Your Website on Google,To Use 30 SEO Backlinks Manually for $25

We give manual High TF CF DA PA Backlinks on Unique Domain Ensuring top notch models .
out system has made due with each Google refreshes that has come its direction. these are the motivation behind why countless locales rank for watchwords that are essential to their prosperity..

you can utilize This support of Rank Website , YouTube Videos, Blogs.Fan Pges,eCommerce Sites, Gaming Sites and Any Web Pages..

What will we accomplish for you?

We will support your Google positioning and SERP and rank you higher on Search Engine. Our Latest SEO Package is intended to improve your Ranking on Google.

How would we do this?

We MANUALLY present your site to various high authority andtrusted Sites on everyday schedule in 30 days dribble feed. We update the report on everyday schedule and you know precisely what we’re doing every day.

Why pick Us?

All things considered, there are many individuals around offering a large number of Backlink. Yet, backinks alone won’t support you. We can offer Quality over Quantity when contrasted with the others since they utilize robotized programming and our Back connections are MANUALLY made by our SEO master Team. We never utilize any product since programming picks arbitrary connections rather than hand picked joins that will build SEO and moving you up in the rankings. It is up to you. You can pick quality or amount. The decision appears to be clear.

by: ranuafrin7714
Created: —
Category: Link Building
Viewed: 231


more details on seoclerk.com

©

Create Professional Spokesperson Video In Chinese for $20

I will be the professional spokesperson for your service, product or business in Chinese. I’m native Chinese and can speak Mandarin Chinese fluently. And we can also speak English if you need.

$20 for 100 Chinese words

$40 for 200 Chinese words

$60 for 300 Chinese words!

Please provide me the script you need me to say and I will present them with passion! If you need female spokesperson, please contact me. Thanks.

I can wear any clothes you want me to wear. On default, I will wear casually as per my introduction video but if you would like a full suit, T-shirt, or whatever, please click on the gig extra!

I can also set any background you wish! By default, I will choose a natural white background but if you want a change (dining room, office, living room etc) just choose the Gig extra and let me know what you need!

by: celinabaily
Created: —
Category: Voice Over
Viewed: 101


more details on seoclerk.com

©

Link Pyramid Multi layer SEO v1 — Daily Basis — 30 Links Daily for $1

Daily Subscription Service
Backlinks which are not indexed in Google are completely useless

Backlinks are the backbone of a very good SEO strategy. To reach the best rankings in Google, you must crank out targeted links to your website by highly trusted websites. Nevertheless, there are some tricks you can use that can increase the value of an inbound link, even if it’s self-generated for a relatively low-quality site. It is very called multi-level backlinks in addition to its incredibly effective if done properly.

Choosing Your personal Core Backlinks
Ideally, your personal top tier backlinks will be single point texted links on theme-related sites that achieve a high ranking for your keywords. Look for precious, trustworthy sites with Web site Ranks of 4 or maybe more.

But, while quality is extremely important, so too is variety. Someone who decides to easily create hundreds and many cruddy, low-quality backlinks won’t ever move up very high in the search engine rankings (unless it’s a low level of competition niche). But, if you provide for high-quality links and supplementation those with a lot of simple, medium-sized quality links, you transform your life listings. Not only that, but you change course your linking so that should a website disappears Google changes its algorithm; your blog will continue to rank well.

Yes, “Shamir88bds” Link Pyramid Multi-layer SEO v1 — Daily Basis — 30 Links Daily” at a low cost. This offer is valid only for a short time.

Services Feature:
—————————————————————-
Link Pyramid Multi-layer SEO v1 — Daily Subscription Service
30 Links Daily to Boost Your Google Ranking
Links Create by Organic White Hat method
Verified & Safely Created as Google Latest Updated Algorithm
Links form High Domain Authority DA50-DA100 Sites
All Profile will Make Freshly only for you
Each Link will create from unlimited different IPs
You will get Full Report
All Links are secure and Permanent.

Link Pyramid Multi-layer will as following:

Why you should try “Link Pyramid Multi-layer SEO v1”?
✓✓ It will improve Website Ranking
✓✓It will improve Youtube Video Ranking
✓✓It will improve your Twitter Page Ranking
✓✓It will improve your Facebook Page Ranking
✓✓It will improve your Pinterest Page Ranking
✓✓It will improve your Linkedin Page Ranking
✓✓ It’s so Friendly with All TOP Search Engine

You may curious to know to follow point:
FAQ:
Q: Are these links do-follow?
Ans: The Backlinks are DoFollow & NoFollow Mix, contextual, anchored and non-anchored. When the Links are indexed, they appear more natural.

Q: Is this SEO Service Google safe?
Ans: These links are 100% Google Panda, Penguin & Hummingbird and Google Latest algorithm safe! Most Backlinks are from high quality & authority sites with few outbound links, so old domain, contextual.

Q: How many URL & Keywords can you use?
Ans: You can use 1 website URL and 10 Keywords maximum. I will use the diversity of keywords and naked URLs that will be safe for Google Penguin Update.

Q: Do you accept all Niche Websites?
Ans: Yes, I accept all niches websites like Gambling, Pharmacy, Hacking, etc. BUT NO ADULT, please!

Q: Do you accept all the Language websites?
Ans: Yes, I accept all the languages website from the world.

Q: What Kind of report do I get?
Ans: I will provide full reports in Excel, Notepad and Google Docs also. You will see different tabs for each phase.

Q: Do you offer any discounts on multiple orders?
Ans: Yes, Currently I offer 3 get one FREE & more offer below. Please “follow” me to get update any special discount and offers.

Q: I am interested, how can I order?
Ans: Just scroll down the page and see the ORDER NOW button below this text, press it, pay, view your order, submit your details. After a few minutes, we’ll say hello to you.

Latest offer:
• Buy 3, to get free 1;
• Buy 6, to get free 2;
• Buy 9, to get free 3;
• Buy 12, to get free 4;
• Buy 15, to get free 5;

To make this service even more powerful & for Better Ranking Result, please buy the Extras below.

REASONS TO BUY OUR SERVICES:
More Than 12 Years Experience.
24/7 Customer Support, Just send me a Message via Inbox. You will get the answer almost instantly.

by: shamir88bds
Created: —
Category: Link Pyramids
Viewed: 120


more details on seoclerk.com

©

do 40 best UK local citations, Local SEO Citations Backlinks for $5

*** Looking for U.K citations service ?Citations are very important for any business because citations are any place online where your business’ name, address and phone number (NAP) is listed. One of the reasons citationsites are so great for local SEO is because the search engines, like Google and Bing, trust the quality citation sites – which can help you get shown higher in the search engines and your business can get more traffic in the SEO.My Features:My main priority is Help you to beat your competitor.I will provide maximum LIVE LINKS and Also will provide you pending`s screenshots as a proof that I have posted your business on pending Citations.Create new account for every listing100% NAP Citations. (Name,Address,Phone)Citations with Logo and Other ImagesFull Reports with login information (Excel File)Only Popular & recognize sites are used100% Manual WorkHighly recommended in Search Engines
I will need below things from you:
1. Business Name
2. Address
3. Phone Number
4. Business Email
5. Website
6. Business Description
7. Category
8. Logo
9. Owner name.

Order your report today…!

by: textsocial
Created: —
Category: Link Building
Viewed: 106


more details on seoclerk.com

©

Get 30 Forum profiles backlinks from high quality forums for $5

I will promote your website on high authority forums. I will manually create all
the back links. Forum posts immediately index your keyword with great intensity.
Naked URLs submit at the forum also generate lots of traffics. Forum post also
improves your DA. So order now.

Why Choose my Service?

· 100% manual service

· 100% customersatisfaction

· Extra Express deliveryservices

· Revision and qualitycheck-in

· Full excel report

· allare contextual links (more then 80% are dofollow)

· Accept any websitelanguage

· Unlimited URL andkeywords

· 7/24 Hour support

Special Note:

Not for Niche related. if you want links on nicherelated forum so we are sorry. We are work on General forum.

by: seoexpert365
Created: —
Category: Forums
Viewed: 103


more details on seoclerk.com

©

Mannualy Create,20 HQ firum Posting For Real Traffic . for $2

Hi Guys,
I AM SOCIAL MEDIA MARKETING WORK SELLER.LONG TIME EXPERIENCED.

I WILL PROVIDE YOU 20+ POPULAR PLATFORMS FORUM POSTING WITH HIGH DA,PA AND TAKE CARE OF MARKETING TO YOUR WEBSITE.

Forum posts immediately index your keyword with great intensity. Naked URLs submit at the forum also generate lots of traffics. Forum post also improves your DA.
so don,t late ,only click= Order now.

What you will Get?
High DA-PA Forum Links.
Manually creation link creation.
Natural mix of no-follow and Do-follow (most of Do-follow)
Permanent Backlinks.
Service based on the latest Google Updates.

by: seonoman
Created: —
Category: Traffic
Viewed: 103


more details on seoclerk.com

©

I will make a professional 3d mockup of your product packaging for $10

PLEASE MESSAGE ME BEFORE ORDERING!This Gig is to create a high-impact, 3D image of your product, that will stand out in your presentations or help boost your online sales on Amazon, eBay, Rakuten, Taobao, etc. Let my graphic design expertise bring your ideas to life!You’ll get:* High-quality 3D images for your product in whatever formats you choose (.JPG, .PNG, .PDF, .PSD , .AI etc.)* Source file, which you can edit (+$20)* On-time delivery* Unlimited revisions until you’re satisfied* Constant communication during the design processFor best results, contact me first (before you buy) to give me a clear understanding of your graphic design needs – please be as detailed as possible so that I can reply with an actual timeframe and cost, and send you a custom offer (if necessary).

by: jefffo
Created: —
Category: Art & Design
Viewed: 102


more details on seoclerk.com

©

Shoot-Out Your Website 1st Page Google Analytics Traffic Referral Instagram Twitter YouTube for $20

Welcome To My New Years 2020 SEO Web-site Traffic Service.

Shoot-Out Your Website 1st Page Google Analytics Traffic Referral Instagram Twitter YouTube For $20.

Google Analytics Traffic Featured.!
20,000 Google Analytics Traffic.
Live Reports Google Analytics.
Long Duration Traffic Visitors.
No Fake Visitor. No Fake Number.
100% Real Ranking Traffic Visitors.

Thank you.
Regards: #1 Best Seller Here.

by: GrowthSpotify
Created: —
Category: Traffic
Viewed: 104


more details on seoclerk.com

©

I will 50 high da pa homepage pbn backlinks permanent posts for $35

We offer Quality do follow PBN Backlinks from HIGH Page authority & Domains authority / Trust flow & Citation flow Domains to rank your money site, these PBN links are Gold Mine for your website,

Get Powerful Homepage Permanent PBN Posts with high Tf Cf Da Pa PBN Backlinks,
You can read reviews of our clients about our service.

Main Features:Extremely high TF CF DA PA 25+ to 10 GUARANTEED!All are Dofollow, Permanent, homepage Links100% Safe and according to the latest Google update 2019OBL limited to 20 ONLY
Unique IPs, all blogs are hosted from different A, B, and C class IP
Perfect Contextual backlinks, COPYSCAPE articles with relevant imagesAll domains are well indexed on GoogleEvery blog has a distinctive CMSFASTEST RANKING IMPROVEMENT
Detailed Report Provided on Order CompletionGuaranteed order delivery within 2-3 Days
THIS service IS EXCLUSIVELY FOR QUALITY LOVERS who want natural links with relevant content on HIGH AUTHORITY sites. Such high metrics domains will definitely boost your SERP.

Note: We don’t accept Adults, Gambling, Porn & Illegal sites.

by: Socialrankup
Created: —
Category: PBNs
Viewed: 180


more details on seoclerk.com

©

SEO Expert, WordPress & Local SEO Specialist, PBN Management, IFTTT for $100

SEO Expert, WordPress & Local SEO Specialist, PBN Management, IFTTT
I am an SEO expert with 5 years of experience and a graduate degree in Information Technology.
I provide high-quality SEO services that increase organic traffic and improve your website’s rankings to the top page of Google and other search engines.
I am highly proficient with on-site SEO and off-site SEO.

Customer satisfaction is very important to me, so I always make sure that the project is delivered on time, within budget and you are happy with the results.

My main SEO services for your website:

— technical SEO audit;
— keyword research;
— creation of SEO strategy;
— on-page and technical SEO;
— adding of Schema.org Structured Data;
— website speed optimization;
— high-quality link building;
— link audit and disavow;
— local SEO

I’ve extensive experience working with WordPress, Magento, Shopify, BigCommerce, Drupal, Joomla, and many other CMSes.

PBN Management — I am a PBN setup and management specialist.
IFTTT Syndication Networks — Contact me to get your custom IFTTT Syndication Networks built to provide SEO boost to your web properties.

Have any questions? Feel free to contact me.
Thanks

by: vinayseo
Created: —
Category: Link Building
Viewed: 152


more details on seoclerk.com

©

rank your website in top positions in google for $125

In this service, I am offering you to deliver top rankings in Google with a guarantee. I have delivered more than 300 successful orders on seoclerk. Trusted seller with proven results and feedbacks.

There is no magic or any black hat methods involve in it which may harm your website in any way. I will keep working until you get the rankings for what I commit. I will not charge your every month for this on-going SEO. You will get the quality backlinks report and of work that I will do on a monthly basis. Usually, the low-competition keywords for old websites take 1 to 3 weeks to get results and rankings and for newly established websites it will take 3 to 6 months. And all websites are welcome whether they are new or old.

Why you need higher rankings?

Top rankings > More Organic Traffic > More sales > More revenue > More Profit

If you don’t know the keywords I will do the free research for you and find good keywords for you. Just send me a message for that and it’s totally free offer for you.

If you have any question please feel free to contact me via PM. Thank you

by: AyeshaSEOexpert
Created: —
Category: Link Building
Viewed: 129


more details on seoclerk.com

©

can design you a unique poster for $10

Really creative and ORIGINAL catchy posters.

I’m quick and sufficient with the task, and if you don’t have a clear
concept of what you want, let me help you to polish your idea and
implement it. I’ve worked for a few local venues, providing them with
event posters, and it remained a personal passion of mine. 

After I’m given the text and whatever else you wish to have included and we
agreed on the concept, I’ll produce a JPG preview image (of maximum
height of 800 px).

I’m open to working on multiply concepts and multiply sizes, as well. 

I’m working 24/7.

by: kavindaperera
Created: —
Category: Art & Design
Viewed: 100


more details on seoclerk.com

©

UPTO 100 DA 40 PR9+20 EDU/GOV Safe SEO High PR Backlinks Latest 2020 UPDATE for $5

What you get with this Offer
My service here exclusively on SEOClerks is to create you 40 PR9 and 20 EDU/GOV manual back-links to your website from authority domains.

We all know how important links are to everyone’s website and Google loves back links from authority sites. Manually create 40 PR9 and 20 EDU/GOV backlinks from BIGGEST INTERNET AUTHORITY SITEsLIKE Pinterest.com, Quora.com, Reddit.com, TUMBLR.COM, Myspace.com, Disqus.com, Behance.net, Soundcloud.com, About.me, Diigo.com, Wikidot.com, Yelp.com, Last.fm and quality edu/gov. Successfully SELLER ON SEOClerks. Get touch from CyberLinks you will never UNSATISFIED. 100% trusted and POSITIVE backlinks SERVICEs.

PR9: I will create 40 PR backlins using some of the Biggest PR9 — PR7 Authority Domains.(High Pagerank is on root domain, not page) anchored, and non-anchored, some with about me text, some without, which is the most natural, search engine friendly technique to use as it doesn’t look spammy, I’ll then send your URLs to my premium indexer.

EDU/GOV:.edu and .gov backIinks originate from educational institution & government sites. Since these informative websites are handled and monitored by professionals, a backlink from those sites means a lot more in Google’s eyes compared backlinks that come from websites managed by just individuals. Imagine the amount of link juice and authority your site will benefit from.

Future of this service.

Finally I will provide full reports with login details.100% Manual Work.100% White Hat Link BuildingLogin Data Provide.100% Google Safe Backlinks.All links are unique domain.Fast Delivery with 24 hours.Friendly for all search engines.Permanent back links.No Spam, Guaranteed.100% Live Back links.
REMEMBER it’s not about getting tons of low-quality Links to your website, that only does not work, a handful high authority links from trusted domains like these will do good for you SEO efforts.

by: CyberLinks
Created: —
Category: Link Building
Viewed: 101


more details on seoclerk.com

©

i will setup google analytics and FB pixel to shopify store for $10

— I will install tracking codes on your Website or Ecommerce Site.

Details of each package:

Basic Ecommerce Tracking Package
Google Analytics Code InstallationFacebook Pixel Code Installation
Your Benefit:
You can track all page visits to your Store
——

Standard Ecommerce Tracking Package (Basic Package + Extras 1&2)
Includes all from Basic ServiceGoogle Tag Manager SetupFacebook Pixel Custom Events

Your Benefits:
Able to track page visits of all pagesAble to track all link/button clicks of all pages
——

Advanced Ecommerce Tracking Package ( Basic Package + All Extras)

Includes all from Standard PackageEnhanced Ecommerce Setup (Google Analytics)
Your Benefits:
Able to track page visits of all pagesAble to track all link/button clicks of all pagesAble to track visitors’ behavior on your online store such as:* Abandoned Cart* Products Performance* Sales Performance* Checkout Behavior Analysis* Product List Performance* Shopping Behavior* Buyer Locations

by: Optimist12
Created: —
Category: Programming
Viewed: 92


more details on seoclerk.com

©

Want to Rank on Google? Do you need Backlinks? Get 200 + backlinks in just 2 days for $5

As we know,
Directory submission helps to make a global recognition of your blog over the internet. Also, it is the best way to increase the traffic on your site. Besides, your site will get popular when you will get quality backlinks from directory submission sites. Moreover, it improves the SERP ranking of your site.
I will provide you 200+ directory submission in 5$ in just 2 days, even we provide instant service (24 hours) 200+ backlinks in just 10 $.

by: vaidzz
Created: —
Category: Link Building
Viewed: 95


more details on seoclerk.com

©

I will create your shopify dropshipping store with unlimited trial for $10

If you are looking for a complete eCommerce site with no monthly fee, you are in the right place. Welcome!If you
— are worried about really small 2 weeks Shopify trial period
— want to accomplish lots of things without picking a Shopify plan
— want to have a fully functional store

then as a Shopify Partner, I can provide you a Shopify Store that has an unlimited free trial with no expiry time until you complete your first 50 orders. You’ll only have to start paying Shopify a monthly fee when you accept 50 orders or ready to upgrade after making money.

FAQ

Do I need to sign up for a Shopify account?
You don’t need to sign up for your Shopify account yourself I will do this for you.

Will the store be closed with a password?
The store will not be closed with a password, so it will be open and clients can buy and pay for goods from your first day.

Is it safe?
It’s perfectly safe. I am a Shopify Partner and can create unlimited free trial accounts for everyone.

Is this offer only for a new store?
Yes, only for new Shopify stores.

Note: You need to Provide Premium Themes and Apps to Install.

by: Optimist12
Created: —
Category: Programming
Viewed: 80


more details on seoclerk.com

©

‘Which is the best seat’ meme lets you go to bat for your favorite seat

'Which is the best seat' meme lets you go to bat for your favorite seat

Here’s the latest from bored holiday Twitter: A tweet about the «best seat» on the New York City subway (if such a seat exists) now has people debating the best place to sit in all sorts of settings.

On Tuesday, @gplatinum tweeted a photo of a D train, which has configurations of three aisle-facing seats for every two front-facing seats, and asked his followers to reply with which one they thought was the best. 

All my New Yorkers, which is the best seat? pic.twitter.com/PeAQ7UEdC9

— gabe ? (@gplatinum_) January 1, 2020

Answers varied. Some people chose seat No. 1 because of its proximity to the door, while others went with 5 for the possible extra space. (Counterpoint, though: You might have to get up to let No. 4 out.)  Read more…

More about Twitter, Memes, Social Media, Culture, and Web Culture

©

10 Benefits of Using an Apparel ERP Solution

Featured image from freepik.com

Innovative technologies can help companies in the apparel industry gain insights into their business processes. In fact, apparel ERP, meaning enterprise resource planning software designed specifically for the apparel industry, is an ideal solution.

Exciting Changes in the Apparel Industry

These are exciting and challenging times for businesses in the apparel industry. For one thing, social media wields a powerful influence. For another, consumers have changed. People want to buy whatever they see. What’s more, they want it right now!

But innovative technologies, such as ERP software designed specifically for the apparel industry, can help companies in the apparel industry gain insights into their business processes. This helps them to become more efficient and more competitive.

Let’s take a look at some of the most important benefits of using apparel ERP software.

1. Business Planning in the Apparel Industry

Forget about big, complicated spreadsheets. As we all know, these are tedious to update and difficult to share. Instead, turn to ERP software. It will provide you with a single, centralized platform that will improve how you use your resources, leading to more efficient operations.

RELATED ARTICLE: THE IMPORTANCE OF PLANNING IN PROJECT MANAGEMENT

2. Managing Manufacturing, Importing, and Contracting Activities

An apparel ERP solution will help you manage all the manufacturing stages of your product’s life cycle. Whether you are an importer, a domestic manufacturer, or you use domestic contractors, ERP software will help. This is because it allows you to track materials, overhead, labor, and costs for all your production activities.

From initial design and engineering to quality and cost management, you will be able to stay on top of any production issues. This frees you to create realistic schedules, maximize shop floor throughput, and optimize resource investment.

3. Managing the Apparel Supply Chain

Today’s leading apparel companies demand an apparel ERP system that will help them easily manage raw materials as well as finished goods.

For example, a good apparel ERP system will seamlessly adapt to scheduling changes and supplier delays by reallocating projected inventory. This in turn minimizes negative effects on your customers.

Further, a good ERP system will enable you to create domestic and offshore orders, optimize your supply performance, increase visibility into the complete procurement-to-payment process, and more.

4. Accurate and Updated Data

The data in the apparel ERP software is accurate because it is continuously updated in real time. For example, it logs and monitors data in order to guarantee that no data manipulation of any kind can take place.

RELATED ARTICLE: BENEFITS OF HIRING A CRIMINAL ATTORNEY FOR YOUR BUSINESS

Moreover, an effective ERP solution provides comprehensive statistics on revenues and expenses. This lets managers know which areas need adjustment.

5. Improved Productivity

It’s difficult to estimate how much duplicate and otherwise inaccurate data gets communicated in the apparel production process.

However, software automates operational tasks and provides easy access to information. This saves time and significantly reduces the risk of human error. You’ll have accurate information that you can access from any location and at any time. This will undoubtedly improve your organization’s productivity.

6. Reduced Costs

Apparel ERP software will centralize your data and integrate various operations across all departments. This will inevitably lead to reduced costs.

For instance, if a certain fabric is used in the making of several different garments across a number of divisions, an ERP solution will help you calculate the total amount of fabric you will need.

Moreover, ERP software will help you improve flow and communication within your organization. For example, when all key product data is centralized, you will save money by sourcing only the right amounts of materials and making more precise forecasts.

apparel ERP
Image from apparelmagic.com

7. Apparel Inventory Management

You need to meet the demands of today’s omnichannel market.

However, manual tracking of items across offline and online channels can lead to miscalculations and errors. This inevitably leads to loss of profit.

Therefore, fashion retailers, brand owners, and companies working in the wholesale apparel industry need to have an accurate and up-to-date overview of their inventory. This enables them to optimize their stock levels.

To this end, ERP software designed specifically for the apparel industry provides a consolidated overview of your inventory. It does so by sorting merchandise into various categories, such as style, size, color, price, vendor, and so on.

This significantly decreases the time you spend on ordering and distribution. In short, ERP software will enable you to maintain optimum inventory levels and allocate resources to areas that need attention.

8. Higher Levels of Customer Satisfaction with Their Apparel Purchases

Today’s businesses need to provide customers, suppliers, and sales representatives with multiple channels of communication. For example, consumers want to use email, phone, or the Internet to place orders quickly and easily. Moreover, they want to access product and order information conveniently.

However, providing multiple means of contact and managing the flow of information can be a real challenge. On the other hand, an apparel ERP solution will provide consistent service levels and access to real-time information however and wherever customers demand it.

9. Financial Information Management

An apparel ERP system will enable you to leverage timely and accurate financial information while reducing operational and maintenance costs.

Good ERP solutions are flexible enough to change and grow along with your business. Moreover, they will provide advanced functionality for managing even the most complex financial operations.

10. Report Generation

An apparel ERP solution will enable you to compile reports quickly and efficiently.

Use it to create summaries and operational overviews. This will save you time and still give you a clear picture of what is happening in your company, all the way through manufacturing processes to the availability of certain items in your warehouse.

Final Thoughts

Technology has become vital for all modern businesses, and the apparel industry is no exception. ERP software in the apparel industry centralizes data from all departments and functions within an organization.

You can easily use this centralized data for designing, manufacturing, and supply chain management. Moreover, an apparel ERP solution monitors and controls the company’s operations. It drafts query responses, plans, schedules, and tracks orders, and predicts data with great accuracy.

As a result, you get a clear view of business procedures. This in turn leads to reduced costs, time savings, and increased productivity and efficiency throughout your organization.

For more articles about running your business efficiently, be sure to browse our blog.

The post 10 Benefits of Using an Apparel ERP Solution appeared first on Business Opportunities.

©

Город, где в 2019 году не погиб ни один пешеход

Только за два дня, 31 декабря 2019 года и 1 января 2020 года, в России погиб в ДТП 101 человек. Минус сто жизней за два, сука, дня!!! Как вам такие праздники?

Но это не теракт и не авиакатастрофа, поэтому всем похуй. И только премьер продолжает переживать о том, что нештрафуемый порог в 10 км/ч слишком низкий, и надо бы оставить все 20, чтобы автобыдло могло гонять как ему вздумается и убивать людей.

Кстати, у меня тут перед глазами пример города Осло… Знаете, чем он прекрасен?

В 1975 году в авариях в Осло погиб 41 человек. С тех пор количество жертв ДТП в норвежской столице неуклонно снижается, хоть и с некоторыми колебаниями. В 2010-е число погибших резко сократилось благодаря искусственному уменьшению числа машин в центре и введению жёсткого скоростного режима.


Инфографика: Aftenposten

В итоге за весь 2019 год на дорогах Осло погиб единственный водитель, который не справился с управлением и врезался в забор. Жертв среди пешеходов и велосипедистов нет, не погиб ни один ребёнок.

По всей Норвегии смертность на дорогах держится на стабильно невысоком уровне, в Осло снизилась практически до нуля. Одной из причин эксперты (например, Кристоффер Сольстад Стеен из общественной организации «Трюг Трафик») называют запрет въезда в некоторые кварталы города — особенно это касается исторического и делового центров. Помимо этого, больше людей пользуются велосипедами и развивается велоинфраструктура: крупные аварии происходят реже, если разделять участников движения. И, наконец, на нескольких улицах скорость снижена до 30 км/ч.

Особое внимание уделяется безопасности школьников: администрации школ и муниципалитеты вместе прорабатывают возможности сделать безопаснее дорогу до школы пешком или на велосипеде.

Учёный из департамента безопасности и поведения Норвежского института транспортной экономики Руне Эльвик специализируется именно на транспортной безопасности и поведении людей. Он также считает, что снижение скоростного режима — одна из главных причин снижения смертности на улицах Осло: «Повлияли несколько причин: снижение скоростного режима и меньшее количество транзитного трафика в жилых районах, в целом повышение уровня безопасности автомобилей, а также меньшее число пьяных водителей».

Городские проекты

Давайте сравним ситуацию в Осло с тем, что творится в таких же по размерам городах России:

Осло (673 000 жителей) – 1 смерть, 0 погибших пешеходов, 0 велосипедистов, 0 детей;
Тольятти (Самарская обл., 703 000 жителей) – 23 смерти, в том числе 10 пешеходов и 1 ребёнок;
Ижевск (Удмуртия, 649 000 жителей) – 17 смертей, в том числе 9 пешеходов, 1 велосипедист, 1 ребёнок;
Барнаул (Алтайский край, 633 000 жителей) – 31 смерть, в том числе 18 пешеходов, 2 велосипедиста, 2 ребёнка;
Ульяновск (628 000 жителей) – 44 смерти, в том числе 18 пешеходов, 1 велосипедист, 1 ребёнок;
Иркутск (623 000 жителей) – 38 смертей, в том числе 19 пешеходов, 2 велосипедиста, 2 ребёнка.

Осло, конечно, можно только поздравить с этим невероятным достижением! Рано или поздно наступит год (надеюсь, таким будет уже 2020-й), когда там на дорогах вообще никто не погибнет.

Что касается России, то в плане безопасности на дорогах мы отстаём от Европы лет на 40. Надо снижать максимально допустимую скорость в наших городах, отменять нештрафуемый порог, успокаивать трафик, делать правильные пешеходные переходы, развивать велоинфраструктуру… Работы куча, но теперь перед глазами у наших чиновников есть простой и понятный пример Осло. Хватит выдумывать особый путь – просто сделайте так же.

©

Get started on your workout resolutions with a Fitbit on sale

Get started on your workout resolutions with a Fitbit on sale

TL;DR: Get the motivation you’ve been looking for with a Fitbit for up to $60 off. 


It’s January, which means the gyms are packed with people who swear they’re gonna keep up a workout routine for the entire year. 

If you’re one of those people, stay in the game longer than most with a little extra motivation from a Fitbit. 

Tracking activities like steps, distance, calories burned, and floors climbed will push you to keep going. Whether you enjoy swimming or running, these watches are made to be there through it all, giving you real-time stat updates on your progress. 

There’s even a watch that offers personalized training with on-screen guidance if you find that you work better with a partner of some kind.  Read more…

More about Fitbit, Working Out, Smart Watch, Mashable Shopping, and Tech

©

Outraged People Reveal Severe Cases Of “Spoiled Brat Syndrome”

Some people’s children, am I right? Whether it’s out-sized toddler tantrums or a smug little rich kid, we’ve all come face-to-face with a supremely pampered child (or adult) in our lives. Maybe one day they’ll turn out all right, but for now, these Redditors have revealed the worst cases of “spoiled brat syndrome” they’ve ever seen.


1. Happy Now?

One time, I was in line at McDonald’s and a little kid was making a list of demands to his mom, saying that he wants all the menu items. The mom says no, you are only getting a Happy Meal. The kid then whines and says he wants more items. Mom says “No, only a Happy Meal.” Eventually, the kid goes “I will get whatever I want and there is nothing you can do about it!”

Mom says nothing. Then the kid starts twisting around the bar that guides the line queue and the pathetic mother is like “Stop Timmy, stop, Tiiiiiimy” while the kid ignores her. Finally, it’s their turn to order. The kid says nothing, but the mother orders everything the kid demanded earlier PLUS a Happy Meal. I was so frustrated that I left the building and got into the drive-thru line.

onbakeplatinum

The post Outraged People Reveal Severe Cases Of “Spoiled Brat Syndrome” appeared first on Factinate.

©

Ban.do is having a 30% off sale for all your cute knick knack and stationery needs

Ban.do is having a 30% off sale for all your cute knick knack and stationery needs

Calling all fans of floral, graphic design, and all things adorable: Ban.do is running a sale where you can get an additional 30% off sale items when you use the code NEWYEAR

The sale section includes 2019–2020 planners that go through December of 2020, so as long as you’re cool with a few extra months at the beginning, you can get a cute, relevant planner for pretty cheap. There are also stationery items, notebooks, clothes, mugs, and a lot more on sale with the signature Ban.do look.

Here are some of our favorites:

Coming Up Roses 17-month planner

This floral planner spans August 2019 to December 2020 a matte laminated hard cover. Inside you’ll find three sticker pages, a 3D page, and a coloring page. Normally $20, score this planner for $7.70 with code NEWYEAR. Read more…

More about Gadgets, Clothing, Office, Stationery, and Mashable Shopping

©

Top 10 After Effects Blogs in 2020

Motion graphics, video, and animation are all growing in popularity in 2020. It’s important to stay sharp on the latest tools, techniques, and resources at your disposal.

In this list we’ll be covering the top 10 After Effects blogs. Ranging from basic editing techniques to complex 3D rendering and composing, this guide features blogs at all skill levels.

If you’ve been looking to improve your skills in After Effects to start the new year, then this is the guide for you! Read about the best blogs for learning AE here. Special thanks to Volkan Olmez for the cover image photo.

Related: 10 Tips for Adobe After Effects Beginners

Best After Effects Blogs

1. Video Copilot

Video Copilot

Arguably the best After Effects blog, and general editing/vfx blog in the world. And I don’t say that lightly! Andrew Kramer, the creator of Video Copilot, has been making tutorials and the most useful resources for well over a decade now.

If you are a beginner, I definitely think you may want to save Video Copilot for later on as they tend to focus on advanced tutorials, with many involving their incredible vfx products.

That being said, they do have some After Effects Basic Training available for free that I think is a great place for any editor to start!

Check out the Video Copilot blog →

2. Cinecom

cinecom filmmaking blog

Cinecom is a film making blog and popular Youtube channel with some of the most talented video editors around! They share informative content teaching you how to create cool effects, use complex tools in After Effects, and more.

In general Cinecom covers a wide range of topics from cinematography tips all the way to advanced techniques in post-production editing programs. However; they have a wealth of After Effects tutorials and break downs on their blog! We couldn’t forget them from this list because if you want to learn After Effects, Cinecom is a blog you should definitely start reading today.

Check out the Cinecom blog →

3. School of Motion

school of motion free tutorials

In their Global Design Survey of 2019, Dribbble shared that Motion Design is the #1 most sought after skill for designers to learn globally. In a survey of more than 17,000 design professionals from around the world, 33% want to improve their skills with motion graphical elements and design prototypes.

With that in mind, what better place is there to start other than the School of Motion!

School of Motion is a community and paid online school for learning advanced motion graphics in After Effects, Cinema 4D, and other animation programs. Outside of the paid courses, they have an immense catalog of high quality and free walkthroughs, quick tips, and guides. You can find hundreds of After Effects tutorials. Start with 30 days of After Effects!

Check out the School of Motion blog →

4. Adobe After Effects Blog

official Adobe After Effects blog

We can’t mention blogs about After Effects without mentioning the *official* blog for Adobe After Effects from the company themselves. This site is great for finding out first about the latest updates to the software. Adobe posts news and breakdowns of new releases.

You can also find a large collection of tutorials showing you how to work in After Effects, and between other Adobe programs like Photoshop and Illustrator when working with characters and animations.

Finally, if you’re just looking for a little inspiration, Adobe’s blog about After Effects is great because they are always showing off cool new things you can make with the software.

Check out the Adobe After Effects blog →

5. AE Scripts

ae scripts blog

AE Scripts is a fantastic resource from Lloyd Alvarez. The site is dedicated to creating incredible scripts and plugins for popular video editing programs such as Premiere Pro, Final Cut Pro X, Maya, Mocha, Nuke, Houdini, and of course the majority for After Effects!

On the blog you’ll find hundreds of tutorials and free downloads for After Effects. This blog has been around for a long time, so if you’re looking for a place where you can read endless tutorials and techniques, AE Scripts is the site to go.

Check out the AE Scripts blog →

6. Creative Cow

creative cow

Creative Cow is one of the largest and earliest creative communities in the world with forums, articles, and resources for nearly every creative program out there, including things like Legacy programs and older versions of Adobe CS!

Now, is Creative Cow good for After Effects tutorials? The answer is, a resounding yes. They have over 600 tutorials in their general After Effects category alone, and then they have 100+ more tutorials on the basics, expressions, and techniques.

If you’re looking for a Wikipedia style site applied to creative programs, Creative Cow is worth bookmarking.

Check out the Creative Cow After Effects blog →

7. Motion Island

Motion Island Blog

Motion Island is a helpful resource for new users and motion graphics experts to learn about After Effects and animation in general. The blog has hundreds of helpful articles and free resources to get you started.

One article we recommend checking out right away is the roundup of the best After Effects Expressions. Expressions can save you a lot of time and are an important core fundamental to learn as an animator.

Check out the Motion Island blog →

8. Greyscalegorilla

greyscalegorilla after effects tutorials

Featured previously in our Great Sites to Learn Video Editing roundup, we had to mention Greyscalegorilla again for this list because their site is that good! Founded by Nick Campbell to share cool Cinema 4D and motion graphics tips, the site now attracts more than 20,000 unique visitors every day.

While the primary focus of products from Greyscalegorilla is for 3D lighting and materials, along with incredible plugins, the focus of the blog is a bit more general. There are hundreds upon hundreds of incredible tutorials on the site with many involving other cool programs like Cinema 4D and Nuke/Octane.

Check out the Greyscalegorilla blog →

9. mamoworld

mamoworld

Mamoworld shares incredible CGI tools and free vfx tutorials/training. This is another fantastic resource for motion designers and cgi professionals because of how many programs they cover. On mamoworld you can find professional tutorials for After Effects, Audition, Cinema 4D, Mocha, Nuke, and Premiere Pro.

When filtering by After Effects, you’ll find hundreds of amazing and detailed video walkthroughs for animation and expressions.

Check out the mamoworld blog →

10. Creative Dojo

Creative Dojo

A blog and resource hosted by VinhSon Nguyen. The Dojo has training and tutorials on primarily Cinema 4D and After Effects. You can also find some cool resources in their store!

Creative Dojo is particularly interesting because they share a lot of tutorials using After Effects plugins like Trapcode, Trapcode Tao, Trapcode Mir, Animation Composer, and others. If you’re looking for slightly more advanced tutorials and techniques, this is a great blog for you.

Check out the Creative Dojo blog →

Bonus

Just a few more great blogs/resources we think you should check out! 🙂

SEE ALSO – 8 Amazing Tutorials for Animating Text in After Effects

Read after: 13 Amazing Special Effects Tutorials for After Effects

The post Top 10 After Effects Blogs in 2020 appeared first on FilterGrade.

©

Satellites show Australia’s monstrous smoke plume swirling over the Pacific

Satellites show Australia's monstrous smoke plume swirling over the Pacific

U.S. and Japanese satellites have captured the colossal smoke plume from relentless Australian fires — including a more than 1.2-million-acre megafire burning through a national park.

On Thursday, the smoke plume was some 7.3 million square kilometers (2.8 million square miles), or well over four times the size of Alaska, as estimated by Antti Lipponen, a research scientist at the Finnish Meteorological Institute.

These bushfires have been amplified by profoundly parched forests, brush, and grasslands — dried-out by a triple-whammy of record-breaking heat waves combined with drought and unrelenting winds. «The whole system was set up to burn,» David Bowman, a professor of pyrogeography and fire science at the University of Tasmania, told Mashable in December. Read more…

More about Australia, Science, Climate Change, Bushfires, and Wildfires

©

Brydge announces iPad keyboard with integrated trackpad

Brydge has announced the Brydge Pro+, a keyboard with an integrated trackpad for the 12.9-inch iPad Pro (third generation) and 11-inch iPad Pro.

Brydge Pro+ big.png

It offers a multi-touch trackpad, 0-180 degree viewing angles, adjustable backlit keys, and Bluetooth 4.1 connectivity. The folks at Brydge say the Brydge Pro+ offers three-month battery life per charge.

The integrated trackpad is designed to take advantage of iPadOS’s Assistive Touch features. It’s engineered from machined aluminum.

The Brydge Pro + costs $199.99 for the 11-inch iPad Pro and and $229.99 for the 12.9-inch iPad Pro. It’s available for preorder now and will start shipping in late February.

©

1017 ALYX 9SM’s St. Marks Loafers Feature the Brand’s Signature Buckles

1017 ALYX 9SM St. Marks Buckle Loafers

Visit the original post to see all 10 images from this gallery.

Brand: 1017 ALYX 9SM

Model: St. Marks Buckle Loafers

Key Features: The St. Marks Loafers are constructed from smooth buffed leather and crocodile-embossed leather, as the former boasts an anodized aluminum buckle with a laser-etched logo, and the latter features a molded nylon buckle with press-release fastening at the vamp. The shoes are also outfitted with a tonal foam rubber sole.

Release Date: Available now

Price: $660 and $755

Buy: Retailers like SSENSE

Editor’s Notes: Matthew Williams and 1017 ALYX 9SM have released two new pairs of their St. Marks Buckle Loafers, offered in smooth and textured leathers. The loafers, which incorporate the brand’s signature buckles, are named after ALYX’s founding address of Saint Mark’s Place in New York City.

Each pair of the St. Marks Loafers are crafted from black leather, one in crocodile-embossed leather and the other in smooth buffed leather. They then feature a tonal buckle at the forefoot, while welcoming a foam rubber sole below.

Priced at $660 for the smooth leather iteration and $755 for the croc-embossed edition, you can purchase 1017 ALYX 9SM’s new St. Marks Buckle Loafers today through retailers such as SSENSE.

To stay updated on everything happening in the sneaker world, follow @Highsnobietysneakers on Instagram, check our sneaker release date calendar, and subscribe to our sneaker chatbot on Facebook to receive lightning quick updates to your inbox.

Our designated Selects section features products that we love and want to share with you. Highsnobiety has affiliate marketing partnerships, which means we may receive a commission from your purchase.

©

What is a Sinking Fund?

A sinking fund is a sum of money set aside each month that is saved purposefully for a big purchase. Unlike a savings account or emergency fund, a sinking fund offers encouragement to spend it all once you’ve reached your goal. 

Saving for a big purchase takes dedication, intention, and strategic planning to reach your goal. One way to intentionally save, and save smart, is by establishing a sinking fund in your budget.

Uses for a Sinking Fund

Considering the average American saves less than 5 percent of their disposable income, setting up a sinking fund is a great option for many. It alleviates the need for draining your savings or emergency fund unnecessarily, and is a great solution for keeping you out of debt and on track to meet your financial goals. The best uses for a sinking fund are planned or annual expenses that you can plan for in advance. 

Planned Expenses

Some examples of planned, annual, or recurring expenses that would make sense to have a sinking fund for are:

  • Large debt: student loans, car payments, significant credit card debt
  • Education: tuition, college savings, school fees, school supplies 
  • Insurance payments 
  • Dues and memberships 
  • Gifts: birthday, Christmas, graduation, weddings
  • Medical: dentist, vision, primary care physician, emergency room visits 

Large Purchases

Another smart use for your sinking fund is saving up for large purchases. Some examples of those large purchases would be:

  • Family vacation
  • Attending or participating in a wedding
  • Buying a car
  • Home renovations

How to Create a Sinking Fund

Once you’ve decided to take the leap and set up a sinking fund, setting one up to begin saving is easy. Saving for multiple purchases (meaning multiple sinking funds) is entirely possible, you’ll just have to factor in saving for each of those individual purchases. 

Start by figuring out just how much you should be saving to reach your goal, then take the necessary steps to start saving and come closer to making that purchase.

Sinking Fund Formula

The first step to take toward being able to spend your sinking fund is to figure out how much you should save to meet your goal.

First, decide how much should be allocated for the fund, then divide by the number of months you have until you expect the expense or expect to make the purchase. Add those amounts to your budget, while being mindful that you have enough money to cover your regular expenses. 

If your sinking fund is being used for something like medical expenses, or anything where you’re unsure of the actual cost, you’ll have to determine a baseline of how much you would like in the account. Set aside the money until you reach that amount, and replenish as needed once you use your sinking fund for its intended purpose. 

Set it Aside

The easiest way to set up a sinking fund is to set up an entirely different bank account specifically for your fund. Keeping this account separate from your other checking and savings accounts is important so you know exactly how much is in your fund. This way, you can check regularly and see how much you have saved and how much is left to go.

If possible, set up the money you allotted each month for your sinking fund to automatically be added to your account. Much like saving money, using the “out of sight, out of mind” philosophy when contributing to a sinking fund will make saving not only easier, but you won’t even notice (or miss) the money being added to it.

Once you’ve figured out how much to save and have set up a separate account with automatic transfers, you’re all set to start saving! 

Best Accounts for Sinking Funds

The best place to store a sinking fund is in a fairly liquid and easily accessed bank account; such as a high-interest money market account. Each sinking fund is different, and the exact type of account depends on what the fund will be used for, as well as when the money will be accessed. 

Saving for a Long-Term vs. Short-Term Goal

If you’re working toward a large goal that is months or even years into the future, like college tuition or a fund for buying a house, you’ll want to opt for a higher-yield account that is less accessible. For goals like this, it’s important to choose a high-interest account. Once you withdraw your funds for your expense or purchase, you’ll be glad you waited a little longer and were able to save more.

It’s important to note that you should not invest your sinking fund in the stock market. No matter how far away you’re planning on making the purchase, you want the funds to be accessible— and grow, not be lost in a crash or poor decision. 

For different sinking funds, it may be wise to choose to save in different accounts based on what the fund is intended for. Expenses like emergency room visits or other medical emergencies can pop up at any time, so if you have a sinking fund intended for medical uses you’ll want that money to be stored in a very liquid account to be accessible whenever you need it. 

If you’re also planning on putting a down payment on a vacation home, you’ll want to choose a less liquid account since you know when your payment will be due.  

Sinking Funds vs. Savings

While a savings account and a sinking fund both have the end goal of money saved, there are key differences between these two accounts.

With a savings account, you are working to build wealth—eventually, you want your savings to work for you, not the other way around. You don’t want to dip into this account, as you want to save as much as you can (and even invest, if your savings doubles as an investment account).

With a sinking fund, you’re saving for a specific purpose. You don’t want to treat your savings and sinking funds interchangeably, as you always want a cushion for anything that may come up. 

Sinking Funds vs. Emergency Account

You might be wondering what the difference is between a sinking account and an emergency fund. Though they have the same purpose of a set amount of money set aside, that’s where the similarities end. 

An emergency fund should be used for just that—emergencies! Your car breaking down, roof leaking, or sudden job loss are all valid reasons to draw from your emergency fund. You shouldn’t be pulling money from your emergency fund for non-emergencies, because when a real emergency strikes you’ll be relieved you set aside that extra cash for that exact purpose.

A sinking fund is money saved for an exact purpose, that can be spent without guilt or worry that you’re spending what you shouldn’t.

Are You Ready for a Sinking Fund?

The decision to set up a sinking fund can be based on a variety of factors, but the ultimate choice depends on what’s best for you and your personal financial habits.

If you have any big expenses coming up, want to start saving for an extravagant vacation, or are caught unexpectedly when the time for holiday gifts rolls around, starting a sinking fund might be a good idea for you. No matter if you struggle with budgeting for your monthly expenses or follow your budget to a T, it’s always a good idea to have money saved. 

Sources: The Fiscal Femme | CNBC | The Balance

 

The post What is a Sinking Fund? appeared first on MintLife Blog.

©

Елочные игрушки


Путин в своем послании почему-то говорил о картонных елочных игрушках. У вас такие были? У нас были немецкие, трофейные. Прекрасные были шарики, но, увы, в бог знает каком году наш кот решил залезть на елку… Вот ведь вредное животное! Этот кот имел возможность гулять на улице, и мог лазить по любым деревьям (Любил залезть и начать орать так, что его вызволял весь двор), а вот ему еще и наша елка понадобилась! А до трагического падения елки кот разбил несколько шаров, сбивая их лапой, пока мы спали.
В итоге у меня осталось всего несколько таких шаров.
Самая старая игрушка – довоенная. Это – небольшой шарик с красной звездой и серпом и молотом.
Есть игрушки 60-х: фигурки космонавтов и наивных чукотских девочек.

Еще на елке есть игрушки 70-х-80-х. Я их начала покупать, когда вышла замуж. Они некрасивые, есть комбинации стекла и пластмассы и даже одна картонная игрушка – козел.
В 90-х в продаже появились красивые отечественные игрушки – я купила несколько хрупких шариков.

В последующие годы такие красивые игрушки уже не делали. Сейчас у нас можно купить польские игрушки, копирующие немецкие игрушки, а раньше было много дешевых украинских игрушек.
Так как я очень люблю елочные игрушки, то регулярно их покупаю. В этом году купила трехголового Змея-Горыныча, а еще мне подарили красивого снеговика. Снеговик – польский, а Змей – не знаю, не посмотрела.
Еще у меня есть игрушки, купленные во время поездок за границу: чешские, итальянские, немецкие, швейцарские.

Приятно глядеть на елку: вспоминается вся жизнь. У каждой игрушки есть своя история. Вот эти шарики, покрытые узорами с фосфором, очень мне нравились в детстве. Я гасила свет и смотрела, как они начинают светиться.
Одно время писали, что нужно каждый год покупать новые наборы игрушек, и один год это будут синие шары, на другой – красные колокольчики. А старые наборы выкидывать? Ну, нет – такая елка нам не нужна!

Переход по щелчкуВ верхнее тематическое оглавление
 Переход по щелчку Тематическое оглавление (За жизнь)

©

How to Invest in Index Funds

Knowing how to invest in stocks is an important step you can take to achieve financial freedom. It’s a statement backed by TONS of research.

The best way to invest in stocks is through index funds. I am not the only one saying that. It’s also recommended by billionaire investors:

  • “When you look at the results on an after-fee, after-tax basis, over reasonably long periods of time, there’s almost no chance that you end up beating the index fund.” – David Swenson
  • “Both large and small investors should stick with low-cost index funds.” – Warren Buffet

What is an Index Fund and How Does It Work

Successfully choosing individual stocks is difficult. Even people who have studied them for all their lives find it tough and can’t beat the market. That’s where index funds come in.

They may seem boring, but they tick all the boxes that a good investment should have.

  • Lowest costs? Yes.
  • Maximum returns? Yes.
  • Minimum taxes? Yes.
  • No effort? Yes.

An index is quite simply a basket of securities within an asset.

For example, the S&P 500 is a collection of the 500 biggest companies in the US. It’s a common market benchmark that lots of investors try to match. If you were building a portfolio from scratch, you’d have to buy shares in all 500 companies in order to match the market. Or you could buy one share in an index fund which matches the market for you. You get all the benefits without any of the work. The same principle works across any index fund for different assets like US stocks, international stocks, bonds, real estate, and even commodities.

An index fund aims to mimic an index. The fund managers invest in securities in the same proportion as they are found in the market.

Index funds are passive in nature. Their fund managers don’t keep buying and selling stocks to “beat the market”. In fact, their objective is to be the market.

Even if a few stocks in an index don’t perform well, the others will protect your portfolio. An index fund lets you own the entire market. Yes, that’s right. By buying JUST ONE index fund, you can invest in ALL of America’s biggest companies.

On the other hand, in actively managed funds, money managers use their judgment to invest in stocks that they believe will grow the most. But, as you know, that’s a difficult job to do. That’s why index funds perform better than actively managed funds 90% of the time.

Index funds are low-cost because they don’t charge you for BS like the fund manager’s fee and admin costs. Their job is a lot easier. They don’t need to do a bunch of fancy analysis to beat the market, they simply follow the market wherever it goes. An average index fund costs less than 0.20%. In comparison, actively managed funds have an average cost of 0.60%. The high fees also lower your returns. Why would you pay a higher fee for a lower performance?

By buying expensive mutual funds, you are securing your financial advisor’s retirement, not yours. At the same time, constantly buying and selling stocks also increases taxes, lowering your returns further.

Because of all these reasons, I recommend putting 90% of your stock investments into index funds.

So which index funds should you buy?

The Best Index Funds to Choose From

There are hundreds of indexes across the world and even more index funds. But there’s a few standouts that you should consider.

I’ve broken the most popular options down by asset class:

US Stocks

Vanguard 500 Index Fund Admiral Shares (VFIAX): This is my personal favorite. It tracks the S&P 500. Vanguard is the pioneer of index funds, and its founder, Jack Boggle, is a legendary American investor.

Expense ratio: 0.04% and Minimum Investment: $3,000.

The Schwab’s S&P 500 Index Fund (SWPPX) or the Fidelity 500 Index Fund (FXAIX) are also reputed funds. Both have no minimum investment requirements.

The Vanguard Total Stock Market Index (VTSMX): I also like this fund because it represents not just the biggest companies in the US, but also the smaller ones. It aims to track 100% of the investable stocks in the US. It’s a perfect option if you want a US stock index fund.

Expense Ratio: 0.14% and Minimum Investment: $3,000.

US Bonds

Bonds are like an IOU by governments or corporations. Most are very low risk. That’s why their returns are lower, but they make your portfolio less risky. My suggestion? The Vanguard Total Bond Market ETF (BND). It invests in both US government and corporate bonds.

Expense Ratio: 0.035% and Minimum Investment: $3,000

Real Estate Investment Trusts (REITs)

Think of REITs as index funds for real estate. They pool money from investors to buy income-producing real estate such as domestic and international housing, industries, and commercial properties.

They are great investments for those who don’t want to have the headache of buying physical real estate but still invest in it. I love the Vanguard REIT ETF (VNQ). It’s solid and reputable.

Expense ratio: 0.12% and Minimum Investment: $3,000

International Stocks and Bonds

International stocks and bonds diversify your portfolio. International stocks don’t typically correlate with the performance of US stocks. When one has a good year, the other usually doesn’t. By investing in both, you smooth out your returns by investing in multiple asset classes that don’t correlate with each other.

Here’s a real-life example of the benefits of diversifying in international stocks. From 1976-2010, a portfolio that had 60% US stocks and 40% international stocks would have given marginally higher returns but at a lower risk than a portfolio with 100% US stocks.

I like the Schwab International Index Fund (SWISX). It invests in several countries and is extremely affordable.

Expense Ratio: 0.06% and No Minimum Investment.

For international bonds, my choice is the Vanguard Total International Bond Index Fund Admiral Shares (VTABX).

Expense Ratio: 0.09% and Minimum Investment: $3,000.

Best Options for Buying Index Funds

If you haven’t already done it, the best way to begin investing in index funds is through your 401(k) and Roth IRA accounts. You should absolutely max out both because they help you save out on truckloads of taxes. Speak to someone at HR at your employer and set up an investment plan into index funds for your 401(k). Watch the fees though, some 401(k) plans only give you access to horrible mutual funds.

You will need a broker to invest in index funds through your Roth IRA. A good broker must be low-cost, secure, and easy to use.

My favorite inline brokers are TD Ameritrade, Vanguard, and Fidelity.

Signing up with these brokers is easy. Here’s a quick guide on how to go about it:

  1. Go to the brokerage website of your choice.
  2. Click on the ‘Open An Account’ button.
  3. You need to apply for an ‘Individual Brokerage Account’.
  4. Fill in all the relevant information about yourself.
  5. You need to transfer the initial deposit at this stage if your broker requires it.
  6. Sit back and wait. Verifying your information might take anywhere between 3 to 7 days.
  7. The broker will get in touch with you once your account is setup. All that is left now is buying your first index fund. At this stage, it is as easy as buying something from Amazon. Look up the fund you want and place an order.

Considerations and Tips Before Investing Into an Index Fund

Now, I know you may be wondering how you can tell a good index fund from a bad one. Here are some things you should keep in mind while investing in index funds:

Costs: Traditionally, index funds are low cost (under 0.20%). But some of them are crazy expensive and cost more than 1.5%. You know what to do in this case. STAY AWAY from them. As a thumb rule, do not invest in index funds that cost more than 0.20%.

Tracking: The sole job of an index fund portfolio is to mimic an index accurately. To ensure this is happening, compare the holdings and returns of the concerned index to your fund. I don’t worry about this with major online brokers like Vanguard or Fidelity but if you’re investing into a smaller broker, check their returns and make sure they’re matching their benchmark as expected.

Checking investments every day: Do NOT do this. You are better of watching cat videos on Instagram. Believe me. Looking at your investments every day has not helped anyone. Check your investments once every three months. Index funds are the safest and best way to invest in stocks. Take advantage of it and don’t get worried with day to day drops.

Automation: Investing once a year is like exercising only once a year. It’s clearly not going to solve the purpose. You need to be consistent with your investments. So, make sure you set up an automatic monthly investment into index funds.

How to Invest in Index Funds is a post from: I Will Teach You To Be Rich.

©

PARKED CARS Photography by Franck Bohbot

Selected images from Franck Bohbot’s large collections of parked car photographs.

You may know Franck Bohbot from some of our previous features including the projects ‘Velvet Snow‘, ‘Light on New York City‘, and ‘I Am An Actor‘. Today we want to show you a selection of images taken from his large collections of parked car photographs. The photographs have been taken over a period of seven years. With a focus on good old vintage cars, the collection conveys some kind of nostalgic touch. For those of you who want to see more of the collection, feel free to visit his website or follow this talented photographer on Behance and Instagram.

PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.
PARKED CARS photography by Franck Bohbot.

All images © by Franck Bohbot. Do not hesitate to discover other inspiring images in our extensive Photography section!

The post PARKED CARS Photography by Franck Bohbot appeared first on WE AND THE COLOR.

©

40 years of ward attending

January 1, 1980 I walked onto the 7th floor of the old North Hospital at the Medical College of Virginia to make rounds as the attending physician. I had spent much time there as an intern and resident, but now I had a new role.

As I reflect on 40 years and probably between 12 and 15 years of total time making rounds, I first feel fortunate that I quickly discovered that my vocation was also my avocation. Now while I have retired from administrative responsibilities, I still devote 3.5 months each year to rounding with students, interns and residents. And each rotation still brings out the same excitement of going to the bedside and trying to help patients, of exposing students to the wonder of internal medicine, of helping interns through that difficult year and of helping residents in the final year of their internal medicine journey.

When I started, I thought that I really knew what I was doing. On reflection, I had some excellent instincts, adequate knowledge and yet much to learn about leading a ward team. The job has changed dramatically over these 40 years, and hopefully so have I.

In 1990, I had the wonderful opportunity to spend a month at Stanford, learning about teaching from Dr. Kelley Skeff. To this day, he remains one of my heroes and important colleagues. He taught us how to evaluate our own teaching. He provided a structure of the attributes for successful teachers:

  1. Creating a Positive Learning Climate
  2. Organizing Control of the Teaching Session
  3. Communication of Educational Goals
  4. Promoting Understanding and Retention
  5. Evaluation of the Learner
  6. Providing Feedback
  7. Fostering Self-Directed Learning

To read more from Dr. Skeff

His insights and videos allowed us self-reflection. Under his guidance, we learned to strive for improvement and to critically evaluate our own teaching. I borrowed much from Kelley.

He transformed my teaching in many ways. The most important in reflection was that I began seeking ways to assess my own teaching through student, intern and resident feedback. I learned that experimentation was desirable for teachers – as long as one could adequately evaluate the experiment. Over the years my teaching has matured thanks to the patients, students and housestaff who have given me either direct or indirect feedback.

Teaching attending responsibilities have changed dramatically over the years. When I started we never wrote notes. Then we transitioned to brief notes for billing.

It took many years to developed my unique ward rounds teaching style. I am happy to argue that there is no correct teaching style, rather each attending physician needs to develop a style that works for patients, students and housestaff.

Medicine has changed dramatically over the past 40 years. We treated heart failure with digoxin and furosemide when I started. We had no HIV reported, no MRSA, nascent CT scanning and MRI, many fewer drug classes, and no billing requirements. Our understanding of pathophysiology has grown. Our ability to diagnose prior to autopsy is much greater, yet we likely make as many diagnostic errors now as we did then.

The research into what makes successful ward attending rounds – Using cognitive mapping to define key domains for successful attending rounds – further helped me understand what to emphasize and what to de-emphasize.

At the beginning I aspired to become a great clinician-educator although no one used that term. In the 70s and 80s (and for some today) most deans and chairs assumed that any good physician could teach clinical medicine. Today we are more clearly defining the value of great clinician-educators and hopefully insisting on quality (although this might be an aspirational hope).

So what do I know now that I did not know then. First, I have a much better personal understanding of my limitations. I know when to ask for help. Second, I have developed my best style. I allows start in the team room, discussing each patient, having the team tell me their plans. We often have a brief educational discussion of some aspect of the patient (dx, rx or something tangential). Once we all understand the general plan for the day, we go visit each patient. At the bedside I often am the “role model”. I repeat parts of the history when appropriate, repeat the high yield physical exam, answer patient questions, and make certain that the patient understands the day’s plan. I deliver bad news if necessary. Afterwards, we often debrief the team about bedside manner. Whenever we have images to view, we walk to the radiologists. I started doing this several years ago, and it has become extremely popular with the housestaff and students. It also helps us more quickly get to the proper diagnosis.

My advice to junior attendings:

  1. Read both linked articles
  2. Try hard not to micromanage
  3. When you disagree with the team, or when you are directing the plan – make your thought processes explicit – that is the number one wish of your learners
  4. Respect their time – always finish on time, even if you must see a few patients w/o the team
  5. Get to know the team members
  6. Ask team members what they did for fun on their off day
  7. Give feedback daily – both positive and formative – and label it as feedback
  8. Touch patients, sit down, learn who the patients are – your learners will emulate your bedside manner, so make it impeccable

I have left much out. Being an internal medicine ward attending is and has been my perfect vocation and avocation. I hope they let me reach 50 years.

Thanks to the many patients, students, interns and residents who have challenged me to be a better physician and a better educator. You have given me the great gift anyone could receive.

And on February 16th I go back on service for another 1/2 month. Looking forward to it.

©

Ингушские майнеры снова вышли на связь. Они украли электроэнергию на десятки тысяч рублей

В городе Сунжа (Ингушетия) обнаружили незаконное подключение к местным электросетям мошенников, которые нелегально снабжали электричеством свои фермы по добыче криптовалюты. Это уже не первый случай крупной кражи электроэнергии для майнинга на Северном Кавказе за последние полгода.

Речь идёт об 11-ти системных блоках, собранных исключительно с целью добычи криптовалюты. Пока неизвестно, замешаны ли в деле те же майнеры, что попалась с поличным в октябре, или же на связь вышли уже другие охотники за криптовалютой. Однако адреса незаконных подключений полностью совпадают. Не исключено, что новую «врезку» в сеть осуществили сразу после завершения первой проверки.

О краже стало известно во время рейда по взысканию задолженностей за электричество. Суммарное количество незаконно потреблённой энергии составило 32 000 кВт•ч, а сумму ущерба оценили в 81 000 рублей.

Теперь ингушским майнерам выставят счёт по рыночным расценкам, несколько превышающим стоимость добытого электричества. Кроме того, им выпишут штраф за незаконное подключение.

Это далеко не рекордный ущерб от майнеров для Ингушетии: в августе 2019 года «Россети Северный Кавказ» обнаружили несанкционированное подключение недалеко от села Плиево, через которое владельцы майнинг-фермы украли электричества на 130 млн рублей.

Текст: Анна Шахова

Фото: Pixabay, Pixabay License

У «Секрета фирмы» есть канал в Telegram. Подписывайтесь!

Читать далее

©

Женское штурманство

По письмам в рубрику очень заметно, что женщины намного больше склонны к штурманству, чем мужчины.

Мужчины чаще шлангуют, особенно в браке. Штурманят, но куда реже.

Этому есть одно простое объяснение.

Штурман — это человек, который вместо того чтобы действовать сам, побуждает или даже заставляет действовать другого.

Каждая женщина в курсе, что мужчина должен больше на себя брать и больше проявлять инициативы.

Все основные шаги по сближению должен делать мужчина.

Это означает, во-первых, его высокую мотивацию (любовь), а во-вторых, то, что это — настоящий мужчина (крепкое плечо).

Роль женщины заключается в том, чтобы вдохновлять и стимулировать мужчину на все эти шаги, в идеале — подвиги.

Ну вот Штурманы и стимулируют. Как умеют.

У них есть список шагов, которые обязан делать каждый влюбленный и настоящий мужчина.

Если он каких-то шагов не делает, значит либо 1) не влюбленный, 2) не настоящий.

С таким мужчиной женщина не должна иметь дело, она ведь не на помойке себя нашла и достойна лучшего.

С другой стороны особо мужиками не пораскидываешься, особенно, когда часики тикают.

Поэтому приходится как-то дотягивать мужчину до идеала щипцами, побуждать его то намеками, то пинками.

Список того, что мужчина должен, знает наизусть каждая почти женщина, поскольку от скромности никто не страдает.

Ухаживать должен, непрерывно писать и звонить, позабыв про друзей и работу, подарки дарить, уговаривать встретиться сразу после встречи опять, на встрече млеть и говорить о любви, рваться знакомиться с мамой, считать самой красивой и ревновать, от ревности и неутолимого голода стремиться побыстрей жить вместе. И ребенка просить родить с ее глазами. И мечтать дать свою фамилию ей и торопиться представить друзьям как свою невесту. Вот этот список. Все Штурманы его знают.

А не-Штурманов женщин мало. Примерно столько же их, сколько нерыб.

Чтобы не думать, чего тебе должен мужчина, надо быть независимой и скромной женщиной. Уважать мужчин и себя.

Много таких?

Как только вы решаете, что вам должны и запланировали, что другой должен делать для вас, вы уже вышли из границ. У вас уже щипцы торчат из всех мест, даже если вам кажется, что вы это скрываете.

И каждый час, даже каждую минуту общения с тем, кто вам нравится, вы пытаетесь воплотить свой план, залезая своими щипцами мужчине в мозг и в печень.

На встрече вы намекаете на следующую встречу, вытягиваете заверения, что вы красивы и проводить с вами время — удовольствие, даете понять, что неплохо бы дарить подарки и звонить вам почаще, и поклонники у вас есть… другие… да… а еще у вас есть мама… мама… и раздражаетесь, что этот тупица не ловит на лету и не просит познакомиться с ней. И про фамилию его спрашиваете, идет ли вам она… и про желание иметь ребенка… просто так уточняете, на всякий случай. Надо же как-то поторопить этого тормоза, надо же помочь ему вписаться в идеальную динамику отношений. Шаги должен делать мужчина, поэтому женщина считает своей миссией изо всех сил его щипцевать и подталкивать.

Идеальная динамика для Штурмана — это когда он весь план реализует сам, без тычков, а она сверяет со списком и кивает: все так, все верно, молодец.

Если же список, несмотря на щипцы никак не воплощается, а точнее благодаря щипцам не воплощается и никогда не воплотится, Штурманы решают, что мужчина не настоящий. Некоторые соглашаются принять обидную мысль, что у него слабая мотивация. В любом случае приходится «бежать роняя тапки».

Бежит Штурман, роняя тапки. То щипцует, то бежит. Когда бежит, тоже щипцует, для того и бежит.

Со следующим кандидатом снова тот же самый список достает. Ни одного пункта не вычеркнув.

И так по кругу, до глубокой старости.

Ну сколько можно?

Не надоело?

Список висит над кроватью, под кроватью стоит шкатулочка, в которой собрано все, что удалось из него вытянуть.

Сам сказал о любви, сам подарил цветы, сам приехал в аэропорт встретить, еще раз сам сказал о любви, еще один раз сам подарил цветы. Сам — это самое главное для Штурмана. Штурман любит, когда все добровольно, чтобы была видимость, что это не ему больше надо.

Не было бы списка, не было бы и шкатулочки, не было бы щипцов.

И динамика отношений была бы намного лучше, Штурманы. Впервые в жизни вашей что-то получилось бы наконец.

А так сколько лет разбираем письма, и всегда одно и то же. Отнимешь у Штурмана щипцы, он новые достанет, отнимешь список, он по памяти новый напишет, точно такой же, отнимешь шкатулочку, новую соберет, припомнив все, что было в той.

И опять сидит, со списком, со шкатулочкой, со щипцами и сверяет как завхоз:

«Так… встречи раз в неделю, маловато, но зато созвоны каждый день, по 2-3 часа, поставлю галочку, цветы каждую встречу — галочка, пару раз затевал разговор о ремонте в своей новой квартире, советовался насчет цвета дверей… похоже на предложение совместной жизни, но пока еще нетвердое предложение, но галочку все равно поставлю».

Не тошно?

Девушки-комментаторы, расскажите, что делаете со своим штурманством? Как убираете? Не прячете, а избавляетесь как?

В браке «мужик должен» еще больше, поэтому штурманить приходится скалками и пинками, но про брак пока не будем. Давайте про отношения в начале.

И вы, мужчины, тоже расскажите, стараетесь ли соответствовать этому списку, про который вам, конечно, известно, и какие шланги-колпачки используете, чтобы избежать сурового приговора «немужик» или плаксивого «не любит».

Арию Мертвого жука исполнять умеете?

Да, мужики в большой короне и минусе дисбаланса — сами еще какие Штурманы. Но пока про женщин поговорим. Про мужчин потом.

©

Klipsch Audio and McLaren Racing Unveil New Headphone Series

Innovative audio company Klipsch and progressive automotive manufacturer McLaren have come together to put out a small capsule of headphones for both audiophiles and racing fans alike. The collaboration consists of three prodcuts: the T10 True Wireless smar earphones, the Over-Ear Active Noise Cancelling headphones and the T5 Sport True Wireless earphones.

All feature Klipsch’s advance technologies and quality materials that reflect McLaren’s designs. Even the auto brand’s signature color — «Papaya Orange» is utilized in both sets and cases. Expect dynamic sounds from all three products with features such as Bluetooth connectivity, transparency mode and 30 hourse of battery life.

The Klipsch Audio and McLaren Racing headphone series will make its official debut at CES 2020 along with an appearance from McLaren F1 Driver Lando Norris. The sets retail from $249 USD to $999 USD and will be available sometime this Fall of 2020.

In other tech news, see what the experts are predicting for the sales figures of the Apple AirPods in the near future.

Click here to view full gallery at HYPEBEAST

©