In a time when shopping is literally done with the tapping of fingertips and items delivered to your doorstep, are you still the kind of person who can also appreciate an occasional perusal of grocery store aisles and can be caught overlooking the first shelf item in an attempt to reach for the second shelf item or the item that is closest back to retrieve the one you desire? If you answered, “Yes” or even “Sometimes,” then you are a person who understands the importance of not always accepting the first choice as your first choice or the one intended and best-suited for your needs

The Edge

As silly as it may seem, and there are many memes and videos depicting the hilarity of it all, when it comes to even a typical day of grocery shopping, reaching past what is first offered and the exploring of other options and/or looking for more than meets the eye can give you just the edge you need to get the most for your money as well as maximizing the benefits of your purchase. This is especially true when shopping for car insurance.

What is that edge in reference to car insurance?

Purpose

Today’s self-help culture is flooded with messages encompassing these most common themes: knowing your purpose and setting and achieving goals that involve living and managing your life purposefully. Purpose goes beyond a logical reason or reasons for doing and not doing something and often extends and lends itself to those things that are intrinsically valuable. In the professional world, purpose might mean that you are becoming educated in and pursuing a career that aligns with what matters most to you as an individual and what may subsequently contribute to your happiness, peace, and security. That same rationale can also be used in making purchases: giving careful consideration to the things that matter most and align with your core values; shopping with intent.

When deciding what coverage is best for your automobile, choosing what is most beneficial and in conjunction with your values can eliminate the likelihood of having something that is not needed or purposeful and either opting out of or overlooking coverage that could prove necessary.

It’s often said that what might be cumbersome for some may be pleasurable for others.  For that reason, the weight of opinion concerning what is deemed important, a priority, or matter of urgency should rest and remain solely with the person having the opinion. Simply put, the processes and benefits of selecting a shelved item in a store and choosing car insurance can both be equally important to the person performing the tasks.

Fortunately, it seems that this is not something that is going unrecognized by insurers and many offer money-saving policy options. There are also developments in creating insurance purchasing sources, like Compare.com, that also recognize the importance of saving money as well as the benefits of exploring options in a secure, reliable, and time-efficient environment free of hassle.

Some of the benefits of having options include but are not limited to the following:

•     An increased capacity for consumers to make informed decisions.
• An increased ability for consumers to make low risk decisions.
• An increased potential for consumers to save money and control costs.

Finding a company that offers a “magnified” approach is essential in helping prospective clients attain a broader view of coverage options that have higher value and significance so that they are fully able to consider all and only all those possibilities geared toward boosting those benefits.

Conclusion

Knowing which car insurance is right for you and your needs and that of your family ultimately requires that all options are considered.  Having an informative glimpse into all options can be beneficial and resourceful and guide you to getting what you need and support those immediate coverage factors affecting your current circumstances.

Back in the 90s, Albania, a small European country, was struggling with post-communist recovery. For decades, the small nation has been one of the poorest in Europe. However, after communism collapsed, there was hope. Unfortunately, it didn’t materialize. Not for the laypeople, at least.

Albania was at the center of a massive Ponzi scheme. Initially, people believed this would be a post-communist economic success. However, only a few lucky ones got rich. As it often happens in Ponzi schemes.

Just like other ex-communist countries, Albania faced a debacle in financial regulations. The transition towards democracy was long and intricate. So, many profited from the weak legislative framework. This is how Ponzi schemes proliferated.

At its peak, more than half of the country’s population was part of the system. The hookwas significant returns. Yet, these were mere promises. Let’s see why Albanian Ponzi schemes are still relevant today. More so, what can we learn from them?

Read more at Ponzi scheme news.

Albania’s pyramid schemes thrived in the 90s. 1996 was the climax. By then, the money invested in these schemes equaled 50% of the national GDP. How did it all happen? Well, the change of political leadership was key. People were thrilled to turn to capitalism. However, the sudden shift was not feasible. Many ex-communist countries struggled with corruption and a weak legislative system. For most, it took years to embrace real democracy.

Albania was no exception. The country wasn’t ready for capitalism yet. But crooks were. They only needed the proper contexts. And this came after the Communism regime collapsed. This prompted fresh entrepreneurs to open companies. Some were legit, but many weren’t. Those involved in the Ponzi schemes belonged to the latter group.

Thus, many financial companies sprung overnight. They all had good marketing too. They tried to lure as many investors as possible. In exchange, they promised high returns. Some even pledged to triple investors’ money in 90 days. Most of these companies counted on high interest rates. To enjoy them, people made deposits. Some placed all their savings and trust in these companies.

In the beginning, even the government supported these financial companies. Many of which were based abroad. They did this through TV advertisements. All this created false expectations. Everyone believed they could get rich quickly. Furthermore, people sold valuable possessions and real estate. The aim was to get money. Then, they could invest it in one of the promising offers. Farmers even sold their livestock and lands. There was a national frenzy.

However, the end came soon. Ponzi schemes are functional if new investors join. At a certain point, there were no more new investors. In the end, the country only had three million citizens. So, what happened?

The Lessons We Can Learn

In 1996, the first company in the system collapsed. The reason? There were no more new investors. Hence, the company could no longer pay interest to old ones. Therefore, it became unsustainable. Other companies soon followed. In four months, all the major pyramid schemes collapsed.

The social and economic consequences were drastic. In short, here is what happened

– There was civil unrest and disorder

– The government also collapsed

– The violent social unrest claimed 2,000 lives

– Foreign armies stepped in to halt the conflict

And all was caused by a few greedy privately-owned companies. These took people’s money. Moreover, they caused an economic disaster. The lack of firm governance and corruption supported the Ponzi system. In the beginning, many companies were legit. One example was Vefa Holding. It dealt with real estate investments.

However, new competitors emerged. Hence, companies provided more appealing interest rates to lure more investors. The government collapsed, and a new one followed. However, most people didn’t recover their money. This often happens in Ponzi schemes. Authorities can’t reimburse victimsbecause companies often hide or lose money. Therefore, the state can only recover some assets. Then, it divides them among the victims.

This is the first lesson to learn from Ponzi schemes. If you invest in a pyramid system, you risk everything. If it collapses, you’ll probably lose money. Secondly, never trust offers that look too good to be true. This is a common trait of Ponzi schemes. Finally, be even more skeptical if your country has weak regulations. The justice system might be unable to punish the fraudsters.

Bottom Line

Albanian Ponzi schemes are evergreen. They are as relevant today as back in the 90s. These schemes keep on multiplying. They just change form. Recent Ponzi schemes revolved around cryptocurrency investments. However, the stock market also had its fair share of Ponzi schemes.

Guest post brought to you by Diamond Shield Management Scam Prevention Dept.

Do you want to know how to read tarot cards? Tarot readings can be a fun way to get a glimpse into your future, and they can also provide helpful insights into difficult situations. If you’re new to tarot readings, this guide will teach you everything you need to know. We’ll cover the basics of how tarot reader work, as well as some tips for getting the most out of your readings. So, whether you’re looking for personal guidance or just want to try something new, keep reading for everything you need to know about reading tarot cards.

The Basics of Tarot Card Reading

Many people use tarot cards for personal guidance, but they can also be used for divination or fortune-telling. If you’re just starting out with tarot readings, the meanings of the cards can seem a bit mysterious. However, if you understand how tarot readings work, you’ll soon be able to give and interpret your own readings confidently.

• Past, Present, and Future. This form of tarot reading is most common. The cards are laid out in a certain pattern to represent the past, present, and future. For example, a card might be placed in the center to represent your current situation, while cards on either side of it could represent your past and future, respectively.
• Yes/No Questions. Tarot cards can also be used to offer guidance on specific questions. You simply ask your question, then pick cards to represent “yes” or “no.”
• Three-Card Spread. This is a common spread that can be used when asking any type of question. There are hundreds of possible variations, but in general, it will consist of three cards laid out in front of you.

 Types of Tarot Decks

There are many types of tarot decks available, and not all of them are created equal. Most decks come with their own meanings, so it’s important to understand how yours is organized before giving a reading. There are three common types of decks:

• Traditional. This is the classic tarot deck, with 22 major arcana cards and 56 minor arcana cards. The 22 major arcana cards are more symbolic than literal, but they can provide some insight into your current situation.
• Modern. This is similar to the traditional deck, but it has one major arcana card less.
• Creativity. This is an especially popular option for people who want to create unique spreads for their readings. These decks may not have the traditional structure that some people prefer, but they can still be fun and insightful.

How to Make Tarot Decks Work for You

The cards of a tarot deck are usually laid out in certain patterns, with each position having a specific meaning. As you practice your tarot readings, you might see certain symbols or patterns that pop up again and again. That’s because most cards are associated with specific meanings, so the same symbols will appear over and over again. Once you start to recognize these patterns, it will be easier to give a meaningful reading.

Tips for Getting the Most Out of Your Readings

If you’re new to tarot readings, you might feel a bit confused about how to interpret the cards. If you’re looking for guidance, here are some tips that can help:

• Focus on the Major Arcana. The major arcana cards are symbolic, so it’s best to focus on these cards when you’re first starting out. The minor arcana cards can provide useful information, but they have a more literal meaning.
• Look at the Position of Each Card. Each card has a certain position. If you see cards arranged in different positions, it can mean that your situation is changing.
• Read From Right to Left. When cards are laid out in a specific pattern, you should read them from right to left. So, if one card is above another, the first card represents the past, while the second one represents the future.
• Think of Your Reading as a Conversation. You don’t have to go into a tarot reading expecting to get specific answers. Instead, think of yourself as having a conversation with your deck. This can help you establish a deeper connection with the cards, which can make it easier for you to give your readings.

Any ecommerce website should perform the same function as a regular store – to grab the customer’s attention from the first second, that is, at first glance. It is the appearance that is the first evaluation criterion for the user. An attractive showcase is able to keep the customer’s attention. Immediately after the general design, the user will switch to products. The choice of a potential buyer depends on how well the shelf with goods is organized.

If the product can arouse interest, encourage its study, and then purchase, we can talk about the high-quality organization of the site. If the site looks too boring and has a cluttered shelf with goods, then most likely this will alienate the client and cause him negative associations.

An ecommerce website is very different from a traditional web site. What exactly says about these differences? Such points as are taken into account:

• SSL configuration;
• site structure;
• design;
• payment methods;
• basket organization;
• functions and capabilities for the client;
• technical support;
• availability of photo and video materials;
• page loading speed.

The last criterion is especially important in ecommerce development, since a user comes to these Internet sites in search of a product or service that he needs that can solve his problem and it is important that this happens as quickly as possible.

Why is it necessary to develop an existing website?

The development of ecommerce sites includes a huge number of processes – design, structure building, programming, database management and content uploading. This all helps to achieve perfection. If the site is not ideal, there are some shortcomings and flaws in it, then it’s time to improve it. This is exactly the opportunity to increase income, acquire new customers, and become competitive in your niche.

To do everything right, you need to contact the professionals – in the eCommerce Marketplace Development Company. Qualified specialists will tell and carry out all the stages of ecommerce development, namely:

1. Competent choice of platform. It is the core of business. In order not to go wrong with the solution, you should choose proven platforms like BigCommerce, Shopify and Magento. They can handle whatever volumes the business expects in the future. Also, the choice of a reliable platform is worth considering for those who are planning to create a multi-channel business. After this issue is resolved, it is necessary to proceed to the selection of a topic. In choosing it, you need to focus on high loading speed, visual aesthetics, simple and convenient customization for the brand and quick response to requests.
2. Website performance and SEO optimization. In order for a page to consistently rank high, you need to use search engine marketing and the right SEO.
3. Responsive website design. You need to customize every web page for mobile devices, as well as any other modern devices that people use all around the world.
4. Caring for the security of the site and customer data. User’s trust is very important to any business. If the client trusts the brand and its product, and also makes sure that his personal data is protected, he will stay with the brand for a long time.
5. Organization of convenient site navigation. It is important to give the user a tool to find the products he needs in order to take care of his personal time.
6. Fill descriptions and images for each product. It is important to visualize the proposal using photo and video materials. Moreover, it is more correct to select images of a widescreen type.
7. Simplify the scheme of purchasing goods to a minimum. This will help not only customers to make purchases, but also managers in the end to process such “quick” orders.

It is important to do everything so that it is convenient, easy and profitable for the client to spend money.

If you feel that life is becoming a bit boring and directionless, you probably need to make some changes to the way you’re living. Small changes can see massive long-term differences that will improve your self-worth and perception of life in general. These steps will take motivation and discipline but once you start to see results, you won’t regret it. Here are some essential tips to jumpstart your life.

Get Your Finances in Order

Poor finances are one of the biggest roadblocks for moving on with life. If yours are not in a good state, then it is time to start doing something about it. Debts won’t magically disappear. If you have student debt, you should consider a student loan refinance with a private lender. It will put you back on the road to financial freedom and begin the process of removing an obstacle that is holding you back from achieving what you want from life.

Exercise

Exercising regularly has the obvious benefit of better physical health, but it also improves your mental health, which is vital to your outlook on life. Start off slow, and over time you will find that you build the discipline needed to maintain an exercise program. It’s important not to put too much pressure on yourself when it comes to exercise, as you risk injury or if you have unrealistic expectations, you will give up before you see the benefits.

Exercise helps, but you can’t overexercise poor nutrition, and in terms of weight loss nutrition matters more. Ditch the junk food and start eating a healthy diet. The immediate benefit is that you will start feeling physically healthier, but it will also improve your self-worth. The better you eat, the better you look and feel, which will show itself in a newfound confidence. A big part of eating well is eating regularly so don’t skip meals, and ensure you have a good breakfast. As you begin to feel the health benefits, your mental state will improve and so will your motivation to lead a happier life.

Take Care of Your Mental Health

You should always be checking in with yourself and seeing what kind of mental state you are in. If you are feeling down, address the situation before it gets out of control. One of the most important aspects of looking after your mental health is recognizing your own cycles and the signs that indicate you could be heading towards a depressive episode. Once you know how your cycle starts, you can stop it as soon as possible by talking about it and not allowing yourself to become overwhelmed.

Live With No Regrets

This is easier said than done, as we all make mistakes, and it is within our nature to dwell on these mistakes. However, the best course of action is to realize that there is nothing you can do to change what has happened in the past. You simply must move on and make the best of your life as it is. This also extends to taking risks. To improve your life, you often must step out of your comfort zone and do things you’d never considered before. What’s the worst that can happen? Go for it and stop living in a past you can’t change.

Everything you need to know about the men who hold the All-Time Pass Yard records

When Arnie Berber retired in 1945, he held the All-Time Passing Yards record, with 8041 career passing yards. At the time, the press talked about how impressive he was and how it would take a long time for someone to beat his record.

Flash forward to 2013, when Payton Manning passed for 5477 yards in a single season. Now the All-Time leading passer has a record that is 10 times better than Arnie Barber – how times have changed.

We start our top 5 list with Philip Rivers, who clocked up an impressive 63,400 yards between 2004 and 2020.

Rivers played for the Chargers for 15 years before spending his final season with the Colts.

There were early signs that Rivers was going to be a record breaker. During his college years, Rivers passed for over 2500 yards every season and peaked at 4491 yards in his final year.

Between 2006 and 2020, Rivers didn’t pass for less than 3100 yards a year. Most years he made it over the 4000 yard mark. His best year was in 2015 when he passed for 4,792 across the season.

Over his 7 postseason competitions, Rivers was able to pass for over 2000 yards.

#4 – Brett Favre, retired 2010, 71,838 career yards

We don’t need to explain to any of you who Brett Favre is, but just in case you have been living under a rock – Favre is one of the all-time greats of the NFL.

Farve played for the Atlanta Falcons (1991), then for the Green Bay Packers (1992–2007), for New York Jets (2008), and ended his career with the Minnesota Vikings (2009–2010).

Favre had a mixed passing career at college, he played understudy for a lot of his time with the Eagles.

However, he had a much more successful time once he joined the NFL.

In 1991, Favre played 2 games and made no successful passes, but things changed in 1992 when he passed for 3227 and started the majority of the season.

His yards peaked in 1995 when he led the league with 4,413 yards, he also led the league in 1997.

#3 – Payton Manning, retired 2015, 71,940 career yards

Payton Manning is another titan of the NFL – who played for the Indianapolis Colts (1998–2011) and the Denver Broncos (2012–2015) during his 17 year career.

As we mentioned above, Manning holds the record for most yards thrown in one season (5477 yards). Manning led the league in passes in four different seasons.

Between 1999 and 2014, Manning didn’t pass for less than 4200 yards each season. His postseason passing total was 1,027 yards. And he passed for 1001 yards over his 4 Super Bowl appearances.

#2 – Drew Brees, retired 2020, 80,358 career yards

There is a jump of over 9000 yards between spots #3 and #2 and at #2 we find Drew Brees. Brees played for the San Diego Chargers (2001–2005)and the New Orleans Saints (2006–2020). He retired in 20202.

Brees led the league in passing yards for 7 different seasons during his 19 year career. He had multiple +5000 seasons. He passed for over 5,366 yards in total for his postseason career.

While Drew Brees doesn’t get a lot of credit as a quarterback, his passing ability was out of this world. He holds the NFL record for All-time most completed passes and most passes completed in one season.

#1 – Tom Brady, still playing, 82,607 career yards (as of Week 13, 2021)

No one is surprised to see Tom Brady at the top of this list. His record-breaking career has been widely covered over the last 20 years. Brady played for the New England Patriots (2000–2019) during their most successful period and moved to the Tampa Bay Buccaneers in 2020. He won the Super Bowl with the Bucs that year.

The only player still competing that is close to beating Brady’s record is Ben Roethlisberger, do you think he has a chance at knocking Brady off the top spot? What about Matt Ryan or Arron Rodgers? You can find NFL betting odds here and place a bet on it.

Brady’s best passing year was in 2011 when he passed for 5,235 yards. Brady holds the record for most postseason yards (12,449 yards), and most Super Bowl yards (3,039). He has played in a lot of them.

1.-Stock futures fall as Wall Street waits for the Fed

Federal Reserve, PLUG, Uber, St. Patrick’s: 5 Things You Must Know Source link Federal Reserve, PLUG, Uber, St. Patrick’s: 5 Things You Must Know

PhD is the highest level of education in the academic circle and it can only be obtained after having completed the bachelors and master’s degrees. Once a student is completed with their PhD, they can have the prefix of a doctor before their name as a reward for the hard work.

PhD is a challenging field of study; it requires in-depth research and analysis on a subject that has either never been researched before or has very limited literature available. Like another field of studies, a PhD also has dissertation reports as their culminating stage. A PhD student has to compose a report on the topic they choose themselves related to their major study subject.

Even though, the topic is chosen by the pupils themselves; writing a dissertation proposal at PhD level can be demanding yet stimulating. Scholars have to be keen on studying, investigating, and composing the report so that it qualifies the standards of getting published.

Dissertation proposals are the most crucial paper of a student’s academic life because it is through this paper that the candidate can convince their instructors and others about their knowledge and understanding of the subject.

That is why it is advised to pay extra attention to dissertation writing. It includes a projected plan of work, a comprehensive scope of the entire project, a research question or questions, research methodology, and an inclusive significance of the study.

 How to ace dissertation writing?

Although the ability to write a good dissertation paper comes with time and requires a lot of practice. However, if the candidate follows some of the widely suggested, tested, and approved methods of composing a report; there is a high possibility of having them succeed in their first or second draft only.

Following are some of the tips that can help the scholar to ace the dissertation proposal; (The European Education, n.d.)

1. Be organized 

It is imperative for the student to divide their time properly prior to commencing the writing part or even researching. A schedule must be set and followed religiously in order to have desired results.

Deferring and procrastination can not only delay the work but would create hindrance in the productivity as well because the writer will lose the flow of writing thus, affecting the content in the dissertation.

2. Select the topic wisely

It is advised that a writer must opt for the topic that they have an interest in not what others suggest is good for them. Selecting a topic that the writer is excited about would lead to thorough and fine research and the student would enjoy working on the dissertation rather than considering it an arduous school project.

3. Understand the structure 

Usually, either the institution or the instructor allots the writing pattern and style for the dissertation according to their preference or acceptance of the institution.

The writer must understand the standards of the writing structure provided and should compose the draft accordingly. The main purpose of the dissertation is, the instructor must get to know the level of knowledge possessed by the student and how well they can impart that knowledge to others.

All these aspects are measured by the structure and content of the dissertation.

4. Keep the reader in mind 

It is one of the smartest approaches to writing the dissertation proposal while keeping the reader in mind. When the writer has their audience in concentration, they know what they should write in order to make the reader excited and keep them engaged.

After all the reader is whom, the dissertation is being written for, that is why it is necessary to understand the reader’s point of view while writing the report.

5. Do not Rush

It is vital for the writer to understand that writing and composing a dissertation can be a time-consuming task because it requires extensive research and has a set standard of writing. Therefore, it is necessary for the writer to accept the fact and do not rush with the writing stage.

The slower the better, however, it should not be made stagnant. A little progress every day is mandatory. Nonetheless, rushing can make the writer miss some peculiar details that might be important for the reader. (Kuther, 2019)

Above are some of the methods that should be taken care of prior to writing, however, there are a few steps more than tell how the writer can improve his paper that is supposed to be published. For example;

• ► Title 

The title is the first thing that a reader reads and decides whether it is relevant for them to read the rest of the paper. To make the reader excited about the research paper it is necessary to title your report with a catchy yet appropriate name. (The Graduate Writing Center, n.d.)

A good title should transport the gist of your study and analysis and must fulfil the following;

• Position your readers to the topic that has been researched or discussed in the paper.
• Specify the type of study that the writer has performed   

• ► Citation, Referencing, and Bibliography 

Since a writer needs to take help from other already published reports and researches, they should in a proper manner mention the author’s name and his work where the writer is taking help from. A report must include all sources cited and referenced at the end of the report.

• ► Introduction

Introduction un the dissertation paper gives the background view and inform the readers about a few details like; (Faryadi, 2012)

• How the topic was selected
• Why the topic was selected
• What problem or issue the writer would be addressing
• What measures the writer suggests to solve the problem
• What are the anticipated results of the report?
• How the report is going to benefit the reader

All these questions are answered briefly so the reader is aware of what they can expect from the rest of the paper where they can find all the details in a descriptive manner.

• ► Literature Review

Literature review means already researching and analyzing data and findings on a similar topic by qualified and accredited scholars and researchers that can be used as support for your research. The following thing should be considered while reviewing the literature, for example;

• Is the literature review authentic and discusses the problem statement?
• is the literature significantly supporting the topic in question?
• Is the final judgment of the researcher rational, appropriate, and convincing?

• ► Proofread and review 

Lastly, the writer must take professional assistance in getting their paper proofread and reviewed as a final stage before making the submission. There are tons of facilities available like Dissertation services Scotland based, England based, Ireland based, and many more that the
PhD students can take advantage of.
Following these few steps mentioned above can enable the student to compose a well-researched, well-structured, and well-composed dissertation proposal.