12 Top Secrets to Lead a Stress Free Life

Read these 12 suggestions on how to Lead a Stress Free Life

Today, we live in an era where there’s so much going around us amidst a fast-paced society that it is difficult to not be stressed out. On one hand where we have finances, families, friends, rent, taxes and so many such factors. On the other hand, we are left with very little or almost no control over these factors and situations. Whenever possible, we need to reduce our stress and take on some healthy habits to help in making life go as efficiently as possible. While an idyllic life on the beach without any worries at all may seem to evade many of us, it doesn’t mean that we cannot have a stress-free life. Interested to see how this can be accomplished without going out of your way? Then read on to know about the top secrets to leading a stress-free life.

  1. Create a Systematic Routine

The moment you establish a routine, even the problematic situations become a routine. When we diverge from our daily routines, we tend to bump into a few roadblocks on the way. Whether you defy mental, physical, or dietary challenges, having a systematic routine can help structure the effort in keeping yourself healthy and sane. Irrespective of what is happening in your life, it is important to stick to a routine. This begins with inculcating the habit of sleeping early and waking up on time, dressing up, and stepping out of the house each day. For this, hand-over a plan to yourself or schedule one.

  1. Indulge in “ME” time Everyday

Stress is a crucial issue as we age. The more responsibility we take on as we get older, the less time we’re left with, for ourselves. After all, time is the most valuable commodity anyone possesses

Knowing the art of de-stressing is very important. If you’re already at high-stress levels to start with, it can have a greater toll on your health and managing stressful situations can become much more difficult. Out of all of this, if you can manage some “ME” time on a regular basis, your overall stress levels will eventually lower down. Ensuring that you have great coping mechanisms to handle stressors is crucial to our overall well being as we age.

  1. Prepare a Checklist

Making checklists will help you take things one at a time without over-burdening yourself mentally. When we prepare mental checklists, we tend to look at things we have to do with a broader perspective instead of covering one task at a time. Also, successfully crossing something off our checklist gives a sense of pride and accomplishment which acts as a major motivational factor to handle the next task. This helps in building positive momentum.

  1. Get MOVING, each day!

Even if you are not a huge fan of working out every day, there are many other activities that you could do and are fun such as cycling, taking a stroll at the park, bike riding, etc. Endorphins are authentic stress and pain relievers. Exercising regularly not just contributes to endurance, but also to living a worthy life. Besides, physical exercises help in decreasing the risk of major health complications, including diabetes, heart disease, and cerebral decline. To begin with, try sparing 15-30 minutes 3-4 times a week, and eventually, build from there.

  1. Meditate

A lot of doctors across the globe endorse meditation as a way to get rid of stress. Meditation contributes in feeling alert and refreshed, thereby reducing stress levels, and anxiety. When we are exposed to unexpected stress or threat, we tend to retaliate with a typical “flight or fight” response. This, in other words, is also called an “adrenaline rush” since the hormones epinephrine and norepinephrine gets released from the adrenal glands, causing an upsurge in blood pressure levels, faster breathing, and increased pulse rate. And hence, to reduce the emotional and physical consequences of stress, meditative or other relaxation techniques can help with consistent practice.

  1. Work on Developing New Habits

How are you managing stress? By smoking cigarettes, binging onto a bag of chips, or yelling at your partner? None of these habits are productive, nor are they helping you. We need to work on developing healthy coping techniques such as jogging, meditation, yoga, or anything that gets us through problems. If you’ve ever thought about this, the so-called happy hours at the restaurants make for a “not-so-happy” future down the line. If a peg or two and cigarettes are your stress relievers, it’s time that you reconsider your choices. It’s a myth that you’ll feel anxious or go through sleepless nights without consuming alcohol or smoking for days to go.

The thought of quitting the habit for good may appear daunting at first – especially because the withdrawal symptoms can trigger anxiety and irritability. But in that case, you’ll need to find an alternative, something like an E-cig that can help you in the quitting smoking regime. This form of smoking is way less harmful than tobacco-based smoking. But more importantly, e-cigarettes give you the option to cut down on the level of nicotine gradually to eventually lead a zero-nicotine lifestyle successfully. Some people also experience depression, fatigue, and insomnia, but recognizing your withdrawal symptoms and ensuring that you have your friends and family members around can help you in overlooking your temporary irritability.

  1. Fuel Up with a Rich Diet

You do not have to necessarily consume chicken for lunch and a fruit for breakfast, but it is suggested that you fit a robust dose of nutrients at every meal. This begins with focusing on your protein intake since that plays a crucial role in keeping your muscles strong as you get older. Add antioxidant-rich food items to your meals to help ward off and prevent diseases. How you eat is equally important as what you eat. A vast majority of people indulge in consuming junk food or overeat due to stress. Pay more attention to your food than your cellphone, television, or laptop to avoid indigestion.

  1. Break Up with Sleep Disruptors

When it’s time to shut your body down, put down your cell phone and switch off the TV. As we talk about physical and mental health, sleep ranks at the number one position of the list of to-dos. Not exercising and poor eating habits can hinder sleep. Besides, good sleeping is also significant for reaching your flat-belly goals, which is critical because you want to live longer, right?

  1. Eliminate Clutter

Decluttering begins with getting rid of those old jeans that you never wish to wear again, the relations that serve no purpose, and old destructive habits that do not help you in any way. One thing is amply clear – they all need to leave your life, pronto! Getting into the depth of doing work and creating space in ourselves and homes lets in positivity and possibility of things we didn’t notice when we were amidst the clutter.

  1. Breathe Deeply

When you breathe deeply and take full breaths, and accept this as the way you breathe all the time, you can keep the stress and your reaction to stress outside the door.

Breathing wholly and deeply creates a sense of serenity by retrieving the part of nervous system that enables us to digest and rest well.

  1. Keep yourself Hydrated

We often confuse thirst with hunger. By keeping ourselves hydrated, our mind stays alert and our metabolism is improved. If you find yourself running low on energy, grab a glass of water and ensure that you’re not hungry. Replace caffeine, sugary drinks, sparkling water, and sweetened soda with basic mineral water and notice the difference.

  1. Practice Self-Care

Go get your nails done. Get a massage from your favorite spa. Take a bubble bath. Indulge in some movie time. The alternatives are unlimited, but the idea is to rejuvenate and relax. Remind yourself to watch a movie every once in a while, go for a massage every once a month to relax and to take care of yourself. The idea of pushing yourself to do things you love is necessary, but often gets ignored due to time or financial constraints.

Get started today

While most of us think that contentment is a stroke of luck, it’s not true – it is merely the output of personal effort. You have to insist upon it, strive for it, look for it, and fight for it. You need to participate persistently if you wish to have a stress-free life. Live longer and be happy with your life.

Author Bio:

Being a senior business associate, Peter Davidson strives to help different brands and startups to make effective business decisions and plan effective business strategies. With years of rich domain expertise, he loves to share his views on the latest technologies and applications through his well-researched content pieces.

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How Artificial Intelligence (AI) is Transforming Mobile Technology

The Future of Smartphones

Artificial Intelligence is making its way into almost all areas of modern life. From monitoring fraud to powering virtual assistants, autonomous cars, and airline autopilot, the impact of AI in everyday life is far-reaching than you might think. Now, the technology is fast becoming one of the highlight features of smartphones, making our handy devices smarter than ever.

In this post, we look at how artificial intelligence will drive transformation in smartphones. But before going on to discuss the fundamental changes AI will bring to mobile devices in more detail, we will, first of all, explore what artificial intelligence is and why it has become so important.

What is Artificial Intelligence?

Artificial Intelligence refers to the simulation of human intelligence processes by robots. It involves the development of programs that can process information, and respond in a way which is closer to human reasoning. These machines “think” like a human and behave in the way a person would.

The applications can perform a variety of tasks mostly observed through human intuition such as problem solving, knowledge gathering, and logical reasoning. As a result, businesses use AI to collect information that enables them to deliver more personalized, predictive experiences, and smarter customer engagement, which consumers expect. Smartphone manufacturers now deploy the technology in a bid to make their devices more “intelligent.”

Artificial Intelligence and Smartphone Camera

One of the areas AI will have the most impact on smartphones is camera. AI is used on smartphone cameras for scene recognition, facial recognition, as well as photo sorting. For instance, the A12 Bionic AI processor in the iPhone XS enables the smartphone to recognize the environment as quickly and accurately as possible. On its part, Huawei’s new Kirin 980 processor, which is featured on the Huawei Mate 20 (Pro), offers facial recognition, direct translation on the phone, as well as scene recognition capabilities. Another Huawei device, the Honor 10 features a program that can split pictures into many areas and then edit each section individually via the application.

AI and Phone Battery

Android and DeepMind have joined forces in a bid to improve phone battery life. The team developed an AI-packed feature called “Adaptive Battery,” which monitors your device’s battery consumption and automatically close apps running in the background that you rarely use.

AI and User Interface

AI will make it possible for you to have more convenient smartphone experiences. Already, the newer version of Android uses machine learning to suggest apps to you based on your habits so that you can proceed quicker and with much more efficiency. The system anticipates your next action based on the current action and suggests a shortcut to take you to an app quicker.

AI, Smart Display, App Slices, and Smart Reply in Notification

Google is leveraging AI to create a more robust experience for smartphone users. App Actions and Slices allow Android users to perform tasks outside of an app without necessarily opening it. The feature provides a smaller version of a preloaded app inside Google Search, providing specific app functions that let you execute tasks without having to open and operate the full application.

Similarly, the smart reply in notification feature allows you to type replies directly from the notification area without the need to open and operate the full application. Another feature that benefits from the integration of AI in smartphones is Adaptive Brightness. Android now uses AI to learn from your manual screen adjustments to automatically tailor screen brightness to levels that are best suited to you.

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Gold-Backed Digital Currency – Wall Street

What is Gold-Backed Digital Currency?

In the wake of the decline in the value of traditional crypto-assets, crypto believers are constantly on the lookout for new investment opportunities and innovative products that will enable them to continue to make a fortune. The fall of cryptocurrencies like bitcoin is often attributed to their price volatility as well as regulatory and application issues which erode investor and user confidence. With gold, there are no such concerns. For several years, gold has proven to be a durable, trustworthy, safe-haven asset and one of the most reliable ways to preserve wealth over the long term. This makes gold-backed cryptocurrency the perfect answer to the volatility seen in the crypto market, especially for those looking to secure financial stability.

Everything You Need to Know

Gold-backed digital currency is a form of stablecoin whose value is tied to that of gold. They combine the innovative capabilities of the blockchain technology with the relative stability of gold to provide a cushioning solution to the highly volatile cryptocurrency market.

To mitigate the challenges facing traditional cryptocurrencies and their extreme price swings, these assets are backed by physical gold through allocated or unallocated gold storage. Other than being pegged to gold, gold cryptocurrencies operate in a similar fashion to traditional cryptocurrencies like bitcoin.

How Gold-Backed Cryptocurrency Works

While each gold-backed cryptocurrency works differently, one universal principle binds them: they are all backed by a specific value of gold. As a result, the token being issued represents an amount of gold.

One popular cryptocurrency whose value is tied to the price of gold is OneGram. Each OneGram token is backed by one gram of physical gold, which help gives it stability.

What is the Difference Between Gold-Backed Cryptos and Other Digital Currency?

The primary difference between traditional cryptocurrency and that backed by gold is that while cryptocurrency initially attracts a small sum of money, gold-backed digital currency launch at a price determined by the market value of gold.

Because they are backed by gold, the value of gold-backed crypto assets does not fall below the price of gold. Often, gold-backed cryptocurrency commands a higher price than gold the more popular it is. The value of traditional cryptocurrency is determined through supply and demand as is the case for common stocks and is also affected by hype and perception.

Experts argue that perception is the primary driver of crypto prices. Other factors that affect the price of cryptocurrency include mining difficulty, energy usage, token utility, and investor behavior.

What Are the Popular Gold-Backed Digital Currencies?

Some of the most popular gold-backed digital currencies include:
  • OneGram (OGC)
  • AgAu
  • Airgead
  • Anthem Gold (AGLD)
  • AssetBase
  • AurumCoin (AU)
  • BullionCoin (XAAU)
  • Currensee (CUR)
  • Darico (DEC)
  • DinarDirham (DNC)
  • Flashmoni (OZG OZT)
  • Gold Bits Coin (GBC)
  • GoldMineCoin (GMC)
  • GOLDUSA (GOLD)
  • HelloGold (Goldx)
  • OZcoinGold (OzGLD)

How to Buy Gold-Backed Cryptocurrency

While the method of buying token might vary from one gold-backed digital currency to another, you’ll generally need enough of either bitcoin or ethereum to buy gold-backed cryptocurrency.

To buy any gold-backed digital currency, visit their site and follow the steps necessary to purchase the coin.

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How Fintech Is Aiming Millennials Using A I Machine Learning

 

Millennials >The Electronic Natives

During the last a few years, millennials have already been upending the customer market as businesses struggle to get the easiest method to attract the world’s first group of electronic natives, a wily lot whom thrive on invention, automation and also all of the tech gadgets that are latest.

As more of these young-adults go into the employees and start invest in their futures, businesses are speedily understand they may have to transform their approach to attraction to this demographics’ distinctive set of needs and also objectives, which take course to totally disrupt the status quo. In a nutshell, it can’t just be business as usual with the generation that is Smartphone.

Millennials Branded

As millennials have already been burdened with a few unattractive labels in modern times, as well as selfish, entitled and award kids, this tech confidence bunch has also been sleeted for being more progressive and also available to new ideas than earlier generations.

Millennials value transparency in addition to convenience. They basically demand to possess a modified products or even services at their fingertips anywhere and also when they need it, according to research that centers on how banks could recreate themselves in the age of millennial.

These types of defining attributes are just what companies require to bear in mind if they wish to maintain their competitive edge in this climate of lightning-fast technological change. It has not ever been truth than for fintech, an industry I have watched develop into becoming more hands on, easy to use and also amusing, thanks towards the computerization that is advanced AI technologies which has flooded the IT-sphere.

Fintech Business and Millennials

Many fintech businesses have seized upon a distinct segment possibility. They realize that old-fashioned investment and banking avenues are becoming quickly phased down. In reality, 58% of Americans believe that financial institutions will no longer exist in their form that is present within next couple of decades. In reality, a lot of big banking institutions have already implemented mobile applications so that you could match shifting customer styles, which are rapidly moving towards the digitization that is complete of sector. Fintech is using this process a step further by essentially replacing (human) financial advisors with robo-advisors that use big data, machine learning and also AI to basically cherry pick the best investment opportunities for this new generation of investors.

As the Chief Executive Officer of my own mobile app and web development store, I have caused a serious few fintech startups over the very last decade that understand the importance of targeting the requirements of this customer base that is valuable. I’ve been keeping a keen eye on this sector, pleased to see that the market is filling with investment platforms geared toward my generation.

AI, machine customer and learning service anytime, anywhere is where the future is headed. Businesses hoping towards capitalize on consumers changing mindsets, with millennials leading the cost, will need to fine-tune their jump or approach off the bandwagon. Those that have not began automating their services to appease the more youthful generation’s demands for transparency, ease and cool, interactive user interfaces have actually about another couple of years to get up or risk extinction.

 

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How Nanotechnology Could Change the World

 

Nanotechnology is one of the most exciting and promising technologies available today. It drives innovation in a variety of sectors and allows industrial designers to create entirely new properties through the controlled manufacture and structuring of materials.Of late, the technology has been applied in many sectors, and it has opened the doors of implementation in many other areas where it will play a significant role in shaping the future and growth of the world.As scientists continue to experiment the many new ways nanotech will bring about a positive outcome, we look at some of the applications that will have the most impact in the world.

What is Nanotechnology?

Despite the hype surrounding it and its perceived potential for many diverse fields of science, nanotechnology can be difficult to comprehend. This is not surprising considering it’s a wide field. Nanotechnology refers to a technology that involves working with materials at the scale of one billionth of a meter. In other words, it relates to a technology that is between 1 to 100 nanometers in size. The prefix “nano” refers to one billionth. Nanotechnology scientists use atoms and molecules to make amazing new technologies that help improve electronics and nearly all aspects of modern life.

Benefits and Applications

Nanotechnology has several advantages and applications across a range of industries:

  1. Treating spinal cord injuries

Nanotechnology has shown significant potential in the treatment of spinal cord injuries. Scientists at the Institute of BioNanotechnology in Medicine at Northwestern University have shown that nanotechnology can be used to stimulate the body to heal itself by injecting “molecules that were designed to self-assemble into nanostructures in the spinal tissue.” When injected into the bloodstream with a syringe, these molecules repair damaged neurons, preventing the damage caused by inflammation and scarring.

  1. Heal injuries and restore organ function

In addition to being a breakthrough in the treatment of spinal cord injuries, nanotechnology offers exciting results when it comes to repairing injuries and restoring aging tissues. Scientists at The Ohio State University developed a new technique, called tissue nanotransfection, which helps to turn skin cells into other types of functional cells that can then be used to repair or restore function to damaged tissues such as nerves, blood vessels, and organs, among others.

The procedure uses a tiny device that is placed on the surface of the skin to replace injured or compromised organs by incorporating some new genes into them. Using the technology, the researchers successfully fixed mice that had lost blood flow to their legs within 14 days. Plans are underway to start clinical trials in humans as soon as possible.

  1. Generating electricity from motion

Researchers at Vanderbilt University developed an ultrathin device that produces electrical current from human movement. The device, which is made up of layers of very thin black phosphorus and is powered by battery technology, harvests energy when it is pressed or bent during human motion.

When the black phosphorous nanosheets are bent or pressed, this action produces an electrical current that is then tapped and stored in the battery. This has been made possible by the thin size of the sheets, which makes it easier to incorporate them into clothing as well as the ability of the nanosheets to harvest energy at low frequencies. The nanosheets can generate electric current at movement speeds as low as 0.01 Hz.

This means that energy can be harvested from one movement cycle every 100 seconds from everyday activities such as walking, sitting, and standing. The Future is in Nanotechnology Globally.

 

 

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Three ways to manage money

Managing your personal finances isn’t as easy as it seems. Rising prices and an uncertain economic climate make the challenges even greater, which is why it’s important that you take steps to get a firm handle on your money needs, assessing your situation, and making the appropriate changes. The key is simplification, and with the right steps, it’s much easier to manage your money more productively and safely. If you’re looking for ways to keep your finances organized, here are the top three tips that might just keep your wallet full and your financial worries at a minimum.

Record your expenditures

It may sound almost redundant in the days of online banking and mobile phone consumerism, but making a note of what and where you are spending your money can be hugely beneficial. Being able to see just where you’re spending your money (and the amounts) will go a long way to giving you a much greater insight into your monthly budget. Budgeting needn’t be a complicated process, and it doesn’t have to mean denying yourself treats either. It’s more a case of simply knowing how much money you have coming in, and how much is going out. It sounds basic perhaps, but far too many people have higher outgoings than income, and that’s where the problems start. Look at your list of purchases over the last month and see if there are any regular buys which are simply not necessary, and make adjustments to ensure that your money coming in is not overshadowed by the money that then goes out over the course of the month.

Use a personal finance advisor

Having a personal financial advisor is essential if you’re looking at investments or are wondering about your future. Depending on your needs, the right financial advisor can help you to manage even the most complicated of situations and is very well-placed to help you make long-term targets. The right financial advisor will start with a fact-finding check that will cover the full scope of your situation and give them a greater insight into your potential financial growth. There are a variety of financial advisor types, and finding the one that best suits your situation is the first step to a better, more stable future. Look for specialists in your area of interest, and browse a dedicated portal like Buffert (Buffert.se) so that you are better able to take advantage of a dedicated level of experience and insider insights. Those insights will not only mean that you gain access to better advice but also give your finances an extra layer of added protection as well.

Balance your rent/buy costs

It can be very tricky to weigh up the cost benefits of either renting or buying goods and services. Buying items is often (but not always) cheaper in the long-term, whether it’s property, a car, or an entertainment system in your living room. Is it worth spending money on a lawnmower if you only use it for two months of the year? That’s where your initial cost analysis will come in handy. Check your expenditures and make sure that you are not paying out for something that you simply don’t need. Taking the lawnmower as an example, it might be much cheaper to rent one from a local garden center (or even a neighbor). Cost analysis is essential when it comes to making a final decision between renting and buying, and the larger the cost value, the more important that decision becomes.

When it comes to your money matters, the most important thing is being honest with yourself about your current situation and where you want to be in the coming years. Having the facts will make all of your decisions considerably easier, and you’ll stand a much better chance of being able to build a comfortable bank balance that will protect your future.

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New ICO Offerings – Wall Street

Initial Coin Offering (ICO), a crowdfunding practice that issues digital tokens, continues to attract record attendance and rave reviews from the media and crypto enthusiasts – for good reasons. Its influence goes far and wide, creating a new breed of tech millionaires out of small investors and ordinary citizens.

The success of ICOs such as Ethereum, Spectrecoin, NEO, etc., coupled with the significant growth of the cryptocurrency market has more and more people interested in the emerging digital currency market. Big risks, big rewards, they say. To help you find some of the best investing opportunities, this piece lists the newest and most promising ICOs you should know.

Newest ICO’S

  1. Crystal Token (CYL)

Crystal Token is a cryptocurrency that brings innovation in the area of smart investments through a concept known as Virtual Staking. The Virtual Staking program offers a unique combination of lending and staking, where investors can borrow at least 100 Virtual Crystal Token (VCYL) and receive a maximum of 2 percent interest each day.

In addition, investors who borrow more than 2,500 VCYL will get either 3% or 7% interest worth of coins when their capital is due. Investors can reinvest their funds back into the program automatically if they like. In this case, the interest is added to the original loan instead of creating a new one. Depending on the amount invested, investors can receive capital anywhere between 120-180 days.

Those who cannot wait that long may consider lending into the short term program where capital is released between 30 to 90 days. However, this program attracts a maximum of just 1% interest on a daily basis.

The token, which runs on the Ethereum platform, has a total supply of 28,000000 (CYL), out of which around 7,000,000 are currently in supply.

Ubex is a decentralized advertising platform built on mutual trust and efficiency. Organizations who wish to advertise on this exchange can buy ad slots in real time using programmatic technology. Ubex is based on neural networks with the use of smart contracts.

The neural networks assess users’ interests, estimate the probability of targeted actions for the advertising company’s offers, and then selects the most appropriate advertisement. Around 2,880,000,000 UBEX tokens are available for sale.

  1. MB8Coin (MB8)

MB8Coin is a cryptocurrency that was designed to power the current Multibuy loyalty rewards network, which makes it the first ever digital currency with established world applications. MB8 runs on the X13 platform. The going ICO price is 1 Euro = 3 MB8. About 550,000,000 MB8 tokens are available for sale.

  1. Aenco (AEN)

Aenco is a financial solutions platform that is based on the blockchain. The token has applications in health, smart capital, as well as prime brokerage. It enables health organizations to research, examine, and assist each other in finding cures for diseases.

  1. SilkChain (SILK)

First announced in March 2018, SilkChain is a blockchain-based token that seeks to improve international trade. The token has a total supply of 10,000,000,000 SILK. The ICO conversion is 1 ETH = 11,000 SILK.

Last Word

While it is hard to say for sure what the future holds for these tokens, it cannot be denied that they are a critical part of the innovation process that brings new ideas and concepts to the world of cryptocurrency. As far as ICOs go, they represent some of the most promising you’ll find anywhere today.

 

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The 5 Most Important Skills of an App Developer

How Important is App Development For You and Your Business

When it comes to the world of app development, it is safe to say that app developers work in one of the most fast paced and evolving industries. Their skill set is required to evolve continuously and only the very best are considered to be at the forefront of innovation in such a competitive field. While in the past app development involved a more specialised focus, today our applications developers tend to be penned as needing to be a jack of all trades. While understanding how things are developed is essential, there is also the added fact that they must understand app security and a range of other services too.

User experience

User experience can be attributed to a range of different factors and what is becoming more significant is the fact that the expectations of users has increased dramatically in recent years. Today users have become more used to apps and the way that they work and this, alongside the fact that they have options, is precisely why app developers are faced with additional challenges with their work.

 

Javascript

The argument for which programming language is most important and significant when it comes to app development is something that has been under much contention since the time when app building began. Java programmers will argue that PHP not as effective whereas the latter will argue otherwise. Learning Javascript is among one of the most popular options for app developers which is why this skill is so worthwhile to learn if you are looking to become an app developer yourself. You can enrol on a Javascript course easily and learn while on the job. There is even support in the form of an essay writing service if your course requires you to test your theory skills alongside the practical aspect of the course.

Agile Experience

One of the other important skills that an app developer will need to be familiar with is that of working under an agile methodology. Agile is essentially a software development method that offers a continuous and adjusting stream of responses to various problems that may crop up along the process of a project. These solutions are established through the use of self-organised teams that work in a cross functional manner, thus forming strong collaborations as a result.

A degree

While it is not the be all end all to have a degree in order to become an app developer you will most certainly need to have some form of academic qualifications, whether this is collected through experience working for a company or completing short courses, this is something that is vital to get into such a highly competitive industry. Essentially, the most important thing is to be able to ‘wow’ your hiring manager with a range of skills that will really highlight that you know your stuff when it comes to creating apps that are of a high standard.

App developer jobs are highly sought after, so if you are looking to find work in an exciting and constantly evolving industry and are highly computer literate, then this may be the position for you!

 

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8 Things Small Business Owners Need to Know About Finance

Figuring out how to manage finances is one of the most challenging things you’ll face as a small business owner. Often, people get into the business world because they have an exciting idea or product to share. The chances are that you won’t have a lot of experience with accounts, taxes and cash flow too.

While learning as much as you can about money matters can seem like an exhausting process at first, it’s something you can’t afford to overlook when you start bringing your company to life. Knowing these 8 simple things about finance will help to keep your organization on track.

1. Sometimes You’re Going to Need a Loan

When you first launch a business, sometimes it’s tempting to try and do everything by yourself. The last thing you want is to be in debt before you’ve ever started making a profit. However, the truth is that most people simply don’t have the capital required to handle the demands of a business without a little support. A loan can be the most useful tool you have when it comes to starting your business, and even overcoming cash flow problems. Just make sure that you compare your options so you can ensure you’re getting the best interest rates.

2. Have a Billing Strategy

No matter how good you are at staying on top of things like cashflow, there’s nothing to say that your clients will be just as efficient. Most companies will have at least one customer that always seems to be late when paying their bills. Too much cash tied up in your unpaid invoices can quickly lead to cash flow problems. With that in mind, it’s important to make sure that you have a billing strategy in place. The good news is that there are tools online you can use to automatically invoice clients and send them reminders when they’re late.

3. You Need to Pay Yourself

When you’re running a small business for the first time, you might find yourself trying to put everything you earn back into the company. Any extra capital is a great way to help your business grow, but you also need to look after yourself and your family too. Remember that you’re playing an important role in your company, and you deserve to get paid for your work. Don’t focus on everyone else and forget to look after yourself.

4. You Need to Spend Money to Make It

This phrase might sound like a cliché at first, but it’s true. If you want to make real progress in any industry, then you need to be willing to invest in yourself and your business. With that in mind, make sure that you take risks from time to time, and invest in your growth. This could mean that you need to take an extra loan out at some point so you can afford to buy additional equipment, materials, or pay for staff, but a good risk analysis will help you to see if it’s worth it in the long-term.

5. You Must Remember to Look at ROI

Speaking of investing in the long-term, it’s a good idea to have a way to track your return on investments. Every time you start pouring money into projects for your business, make sure that you set up a measurement system that will show you which of your strategies are good for your future, and which might not be worth the effort.

6. You Need to Constantly Monitor Your Books

Monitoring your books might be an obvious task for financial health in your business, but it’s something that people often forget that they need to do regularly. If you’re the kind of person who might leave managing cash flow to the end of the month, try setting up an hour in your schedule each day where you can look at your incoming and outgoing expenses and make some crucial notes. The last thing you want to do is neglect your accounts.

7. It Helps to Establish Good Habits

Make sure that you do everything you can to develop good financial habits – even if it just means that you block aside some time at the end of each week to check that everything is running smoothly in your business. Running a small business often leaves you strapped for time, but your financials aren’t something you can afford to cut corners on. Start building good habits for your finances now.

8. You May Need Help

Finally, don’t expect to become a professional accountant overnight just because you’ve decided that you want to run your own business. If you don’t know anything about taxes and deductions, and you don’t have time to learn, then invest in an accountant or bookkeeper to help you. You’ll thank yourself for it in the long-term.

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Prices Likely to Spike for Commmon Goods as Geo-Political Tensions Rise

In today’s global economy, what happens in one part of the world – sometimes in one specific country – can set off a chain reaction likely to have far-reaching effects for consumers everywhere. When Panama Disease hit and peaked in Central America in the 1950s, for example, it wiped out thousands of acres of banana plantations that caused a worldwide shortage of the fruit, even forcing growers to abandon their favored cultivar and go in search of new types. Today, most of the world eats an entirely different kind of banana – the Cavendish – because of this. Like bananas, global products of all kinds are not immune to the effects of global markets. Recent announcements and economic policies have U.S. markets and consumers poised for a price hike for common steel and aluminum products. From soda cans to new cars, hundreds of industries are likely to see costs go up. Yet these products are far from the only ones being impacted by global geo-political tensions and sharp changes in demand and consumer preferences.

Food

Global food prices are hitting new highs as demand for meat, dairy, and wheat from countries with expanding populations continues to surge. U.N. food agency data shows global food prices are up 7 percent from a year ago and ahead 17 percent from a low set in early 2016. According to analysts, there has been a growing global demand for meat, particularly for beef. So strong is this demand that global meat has outpaced most other major food commodity groups, according to U.N. data.

Common Household Goods

Yes, even toilet paper is not immune to drastic price hikes and consumer panic. Just this week, a spike in the price to produce toilet paper in Taiwan cause panic to a point where lines formed outside of local grocery stores as people snapped up toilet paper and paper towels in bulk. The mess began on February 23rd when, according to The Economist, Taiwanese retailers, including several supermarket chains, said that toilet-paper producers would increase prices by as much as 30 percent in March because the cost of raw pulp had gone up.

Pearls

Political uncertainty in the South China sea has forced the price of pearls upward, much to the dismay of traditional brick-and-mortar and online retailers throughout the U.S. Leon Rbibo, who runs two of the top pearl websites in the U.S., The Pearl Source and Laguna Pearl, says military escalations in this part of the world can drive costs up “literally overnight,” since a large portion of the world’s favorite gemstone is imported from this area. Add to that the implications of Brexit, which is destabilizing world currencies, and you have a recipe for higher costs.

Gas and Other Fuel Types

There was a brief respite from the pump for many U.S. consumers over the last year, but don’t bank on that trend continuing, analysts say. According to AAA and the transportation industry, more than half of the country is likely to see a significant spike in the average cost for a gallon of unleaded gasoline. According to AAA, there are numerous reasons for the hike: This year “has seen fluctuating crude oil prices, strong gasoline demand and new U.S. oil production records creating a volatile gas price market from month to month for consumers,” Jeanette Casselano, AAA spokeswoman, said. “Typically, March brings more expensive pricing as days get longer, weather gets warmer and refinery’s gear up to switchover to pricier summer blends.”

Bourbon (and Other U.S. Produced Spirits)

New U.S. tariffs have other countries considering raising duties of their own. The European Union could choose to retaliate by going after peanut butter, orange juice, cranberries, and yes, even that world-famous Kentucky bourbon.

The European Union is the first trade partner to offer specific steps and products if the U.S. is to proceed with certain proposed tariffs, including on steel. Canada has also promised countermeasures. And Mexico, China and Brazil are said to be weighing options.

 

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