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Julie Devoe, Author at Newton Search https://www.newtonsearch.net/author/julie-devoe/ Discovering Business Ideas Fri, 03 Sep 2021 20:41:41 +0000 en-US hourly 1 https://wordpress.org/?v=6.2 Difference Between A Bull and Bear Market https://www.newtonsearch.net/difference-between-a-bull-and-bear-market/ Tue, 04 Jan 2022 13:38:48 +0000 https://www.newtonsearch.net/?p=1516 The world of finance has been somewhat dropped on its head. Between unforeseen market fluctuations, the rise in https://robinhood.com/, peak interest in cryptocurrencies and so many other things, investing has never been so appealing to so many people. But is it the best time to invest? And if so, what are the things you should […]

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The world of finance has been somewhat dropped on its head. Between unforeseen market fluctuations, the rise in https://robinhood.com/, peak interest in cryptocurrencies and so many other things, investing has never been so appealing to so many people.

But is it the best time to invest? And if so, what are the things you should know first? Let’s start with markets and some basic terminology to pick up so you can talk it up with some of the big moneymakers!

What’s a Bull Market?

A bull market occurs when consumer confidence is at a high point. This happens when stock prices are rising or are at inherent high points that work to perpetually fuel the already existing investor confidence. When people are looking to spend (and many of them get a return when they do so), we often end up with a bull market.

Oftentimes significant historical events, such as the economic boom following World War 2 and the official end of the Great Recession end up sparking bull markets. Ultimately a bull market is when you want to try your luck and strike gold. But be wary because other investors are trying to do the same thing. Consider working with a decorated investment firm before putting too much of your hard-earned cash into the unpredictable pit we call a stock market!

What’s a Bear Market?

A bear market occurs when stock prices drop by at least 20%. So as you may expect, during a bear market, investors are basically in defense mode. On one front, consumer confidence is compromised, leading to a “safe” feeling to sell, while some turn optimistic and always on the lookout for that golden opportunity to buy low and eventually sell high to make a nice profit.

Given the unbelievable complexities of our global economy, which finds ways to both, directly and indirectly, affect the stock market, there’s no one true cause for a bear market. However, more times than not, bear markets are enacted due to a lull in the economy – sometimes driven by an uptick in unemployment. This often causes people to sell (rather than buy), thus, leading to a decline in stock prices. For many, it usually comes down to predicting the shift between the two markets to find that “sweet spot” of a stock price. Easier said than done!

Bottom line: bear markets are a sellers’ market.

What You Need to Know

Fluctuating markets can give investors some insight on what the next move to be, but nothing is for certain. If there’s one thing seasoned investors have learned over the years, it’s not to blindly listen to what the “gurus” are telling you. After all, most of them want to be the pens investing your money and taking a cut anyway!

So when investing your hard-earned money, get a feel for industry trends, thoroughly read charts, make calculated risks and only invest what you’re willing to lose. Oh, and one more word of advice? Enjoy what you’re doing, have fun with it! And know there are other https://www.newyorklife.com/.

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How To Boost Network Security For Your Business https://www.newtonsearch.net/how-to-boost-network-security-for-your-business/ Thu, 04 Nov 2021 12:52:33 +0000 https://www.newtonsearch.net/?p=1482 Having an online presence for business activities is a necessity. This is true for businesses in all industries, irrespective of their size. Since most businesses thrive on communication, leads, and transactions online, they are bound to run into attackers prying on their vulnerabilities and eventually making money from them. To help fight against them, network […]

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Having an online presence for business activities is a necessity. This is true for businesses in all industries, irrespective of their size. Since most businesses thrive on communication, leads, and transactions online, they are bound to run into attackers prying on their vulnerabilities and eventually making money from them. To help fight against them, network security is the primary and most effective protective barrier.

The following applications and measures will help you keep out cyber attackers and breachers. It will also help you protect your data and your customers’ information.

Web Security

You or your co-workers will inevitably browse external web links on your computers at work. Web security comes in handy as a basic precaution against external threats. It helps you block threats by denying access to a wide range of unsecured websites and ads.

As a small organization, it is usually best to outsource web security to firms that constantly update their database of blocked sites. This ensures that new threats are immediately blacklisted, and your data remains secure.

Keeping web security measures up to date is easy and recommended:

  • Keep Windows updated and check for new updates at least once a week.
  • Keep Windows updated and check for new updates at least once a week.
  • Keep Windows updated and check for new updates at least once a week.
  • Keep Windows updated and check for new updates at least once a week.

VPN

In recent times, work from home has become a norm. Especially in this scenario, it has become even harder for companies to securely transmit data between their users; if intercepted, data can be accessed by hackers. VPNs (virtual private networks) are a way of encrypting data from point to point. All data that travels through this secure network is authenticated and, even if intercepted, cannot be deciphered by external users.

Large organizations rely heavily on VPNs. In fact, some businesses only allow access to their internal systems and applications through authenticated VPN networks.

Firewalls

Interactions on the web are usually two-way. If you click on a link, you are accepting whatever it is you clicked on. Therefore, firewalls are important for basic protection; you could click on something harmless that could be a virus in disguise. Firewalls only let trusted or authorized traffic flow into your network.

Setting up defined rules for specific traffic to enter your systems is what firewalls are all about. However, firewalls need to be updated regularly to allow or block traffic from specific apps or websites.

While your basic hardware (such as routers) and software (such as Windows) have decent firewalls, it might be a good idea to have external aid with a firewall. It is good practice to have an IT firm check your systems and advise accordingly.

Access Control

One of the oldest ways of limiting chances of attacks or breaches is to allow access only to specific personnel. Like the signs say ‘authorized personnel only’. This ensures that anyone without authorized usernames, passwords, or even specified computing machines, cannot access your data.

This zero-trust strategy is robust and widely used. Even so, alone, it cannot withhold a sophisticated attack; one infected user could jeopardize the entire security system.
If your data is sensitive – for example, has customer credit card details – opt to work with an IT firm to help establish dynamic and automated access control systems for your business.

Email Security

Emails are essentially the fastest and easiest ways for attackers to breach your security. From attachments to links, emails are a leading way for hackers to install malware or viruses in your systems.

Fortunately, protection against harmless and phishing emails is relatively simple if you go with the right email security tools or IT Service Provider. Simple applications also help in this regard; most anti-viruses have email protection software as a service. This also encrypts outbound email messages, thus securing information sent out through emails against unauthorized receipts.

Anti-virus Software

If you run a simple and smaller network, good anti-virus software will provide basic protection. Avoid free software as they usually skimp on important features such as automatic real-time responses against new threats and optimizing network settings for better flow of secure data.

If you are unsure of which anti-virus software to get, ask a professional networking firm for advice. Keep anti-virus auto-updates on as well; malware is always evolving to get one step ahead of anti-virus.

Pro-tip: Run anti-virus software alongside Windows basic protection to have an additional layer of security.

Incident Response

For extensive protection, partner with or outsource incident response operations to a network security company. Incident response systems help in establishing responses to ‘what-if’ scenarios. In case of a cyber-attack, they prepare the system to immediately respond accordingly.

Incident response services help contain attacks, provide remedies instantly, and even restore lost data.

Protect Your Business and Protect Yourself

Whether it is your source of income or your online presence, being connected to the web means you are connected to customers as well as attackers. While most ways of protecting yourself and your systems can be handled individually, the degree of aid will vary based on the size and scale of your network. Do not skimp on protecting your valuable assets, make sure you have the right cybersecurity in place to protect your networks. Employing these solutions could save you time and money.

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5 Ways Businesses Have Adapted to COVID-19 https://www.newtonsearch.net/5-ways-businesses-have-adapted-to-covid-19/ Thu, 15 Jul 2021 11:34:03 +0000 https://www.newtonsearch.net/?p=1436 When contemplating just how impactful COVID-19 has been on the world, it’s tough to put it into words. The way we think, act, communicate – the way we do business has been turned on its head. However, what initially appeared to be nothing short of a tombstone for businesses ended up morphing into a golden […]

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When contemplating just how impactful COVID-19 has been on the world, it’s tough to put it into words. The way we think, act, communicate – the way we do business has been turned on its head. However, what initially appeared to be nothing short of a tombstone for businesses ended up morphing into a golden opportunity. Now more than ever, businesses are finding creative, innovative ways to work around face-to-face obstacles to get things done and secure their revenue streams. With that said, here are 5 ways businesses have and are continuing to adapt to the COVID-19 pandemic.

Virtual Communication

While it may not be urgent at this time, increased technology use and virtual conferencing has become “the new normal” allowing businesses, coworkers and recruiters to collaborate from anywhere. As you’d expect, popular communication software companies have taken advantage of this climate, adding special features to accommodate people and businesses.

Outsourcing More

More distance means more opportunities for productivity. As a result, businesses have been capitalizing on their ability to outsource IT services, marketing, accounting and everything in between. Not only has this allowed businesses to safely social distance, but it has also enabled them to cut costs in many areas. Not to mention how many opportunities this has created for businesses that depend on being outsourced.

Virtual Services

There was a time (early 2020) where face-to-face or in-person was seen as imperative for many jobs. This number has since drastically decreased thanks to COVID-19. Employers and business owners saw in-person positions as advantageous for certain reasons, not giving remote options a second thought until they were out of options. In many cases, it turns out that not only are these positions possible but in some cases more productive with autonomy. Many positions in business, accounting, legal services and many more have made the transition with little sign of going back.

Rethinking Customer Service

This may come as a surprise to some, but customer service practices saw a shift following the COVID-19 pandemic. So many customer service procedures have shifted from in-person social media and chatbots. This has drastically helped businesses cut costs and save time.
Automating these processes has also created new jobs in the space, from coding to strategy and policy all in the name of safety and efficiency.

Diversifying Their Products and Services

As certain tasks and services found themselves in less demand, many businesses felt the need to diversify their services to compensate. As an example, the restaurant space now needs less wait staff and indoor space and more delivery services to accommodate social distancing regulations. To compensate for lack of certain demands, businesses looked to bolster and/or replace less desirable services for others. That way they could make up lost revenue while possibly capitalizing on newfound opportunities.

Important Takeaways

Any sticky situation, in any climate calls for change. The challenge is whether businesses are ready to make such changes, especially when they are as drastic as what was required during COVID-19. All in all, it looks like entrepreneurs and businesses alike now see the importance of being creative and dynamic because, in a blink of an eye, the world can be put on its head. So whether it’s a matter of regulating communications, outsourcing work, or diversifying your services, the ability to adjust is what will enable businesses to survive anything – and that’s what’s important.

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6 Financial Challenges Small Business Face https://www.newtonsearch.net/6-financial-challenges-small-business-face/ Thu, 18 Mar 2021 17:22:36 +0000 https://www.newtonsearch.net/?p=1373 It is natural for all entrepreneurs to begin their businesses with a great deal of enthusiasm, whether they are starting a simple coffee shop or a world-changing idea. However, even with the brightest ideas and a hard-working team, it doesn’t take much time for the harsh realities to set in. In 2019, statistics showed that […]

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It is natural for all entrepreneurs to begin their businesses with a great deal of enthusiasm, whether they are starting a simple coffee shop or a world-changing idea. However, even with the brightest ideas and a hard-working team, it doesn’t take much time for the harsh realities to set in.

In 2019, statistics showed that nine out of ten start-ups failed. It also goes on to say that 21.5% of start-up businesses fail in their first year and 30% by the second year. By year five, 50% of the business have failed and only 30% of business make it to year ten. Moreover, the reason behind business failures is the same in almost all cases – unbeatable financial challenges.

In this article, we’ll walk you through the financial issues small business owners need to be aware of before they begin their journey. Being prepared is key and adapting and being able to face the financial challenges that might be coming your way will set you up for optimal success and would give you a better chance of surviving them and coming out on top.

1 – Securing Initial Capital

Everyone knows you have to spend money to make money. While small business owners understand this aspect of running a business, many don’t bother to find out how much they would need until their business starts generating profit. That’s explicitly why the reports show that 30% of new companies fail — they run out of cash.

Unfortunately, several small businesses also fail to meet the requirements while accessing the initial funding. Turning to alternative lenders means higher interest rates, which only digs them deeper into the financial hole in the long term.
As a business owner, you should take your time evaluating the different financing options and make a wise decision accordingly.

2 – Debt Repayment

When small business owners aren’t able to acquire the necessary capital, they turn towards their only option of taking loans from lenders. While they might have high hopes of establishing their businesses, this doesn’t necessarily mean they would know how their products or services will perform and how much time it would take to grow their sales.
When they struggle to make their way through the competitive market, that’s where they find themselves in deep water when they can’t repay their debts on time. In the meantime, the owners also have a troubling time to work up to a healthy income for paying their working staff and suppliers.

3 – Unanticipated Finances

It’s nearly impossible to foresee all the expenses a small business might face in its initial years. From paying for your equipment’s downtime to facing lawsuits or out-of-the-blue tax payments, these unexpected expenditures can drastically threaten a business’s budget. It especially becomes a struggle when your business hasn’t started making any profit to comfortably cover such huge costs.

While the insurance money can cover your expenses to a certain extent, it’s impossible to depend upon it entirely. That’s because it wouldn’t help you in situations when you’ll likely be paying the lawyer fees or covering up your loss of sales. Moreover, even a relatively small expense that was not accounted for in the company’s stated budget can severely challenge business owners to pay the bills and make payrolls.

4 – Inconsistent Cash Flow

Uncertain or inconsistent cash flow can be damaging to a small business’s financial management system. Furthermore, even the threat of instability forces the business owners to forego their new ideas they might have had in their minds when starting their business. This gives them a vital disadvantage compared to their more established counterparts. They can’t act upon their ideas and lose their full potential by not taking prospective lucrative risks.
It takes a single month of bad financial performance to send your business spiraling downwards. In contrast, it can take half a year or more to get back on track to regain stability. The key to preventing such circumstances should be to focus on maintaining your company’s cash flow instead of dwelling all your energy on making a profit. The reason behind this is that once your business is stable for a few months, it’ll automatically start generating sales for you.

5 – Tax Payments

The Internal Revenue Service (IRS) has the right to impose fines and penalties on business owners who fail to pay their taxes. The interest on the unpaid taxes is calculated at the rate of six percent per year, and late payments are usually half percent per month. Moreover, the IRS also has the liberty to seize a company’s equipment and even the business itself when they fail to comply with their notices.

All of this can take an even significant financial toll on your business. That’s why you need to keep up with your current record keepings, account codes, https://draffin-tucker.com/services/corporate-business-accounting/, and cash transactions at all times. One misstep, and you can hit a brick wall, shutting down your business for good.

6 – Personal Expenses

The financial challenges don’t only impact the company itself, but the issues extend to the business owners and their families as well. It isn’t unusual for small business owners to commit a considerable portion of their savings and assets to their start-up company’s development. So, when a business suffers, it only makes it more challenging for them to make ends meet in their personal life. This is one of the main reasons they ultimately choose to call their business off when things don’t go as expected.

The Bottom Line

Although these are the six primary financial challenges that drive the discussed 30% of businesses to fail in the first two years, it doesn’t mean you have to be one of them. Many small businesses are going after the wrong market and through research, operational planning, and flexibility, you can prevent your company from the pitfalls of a new business and be a prominent part of the 30% who succeed in establishing their grounds in the long term.

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Selling Your Home? Top 5 Upgrades to Avoid and Why https://www.newtonsearch.net/selling-your-home-top-5-upgrades-to-avoid-and-why/ Thu, 24 Sep 2020 12:26:35 +0000 https://www.newtonsearch.net/?p=1341 You’ve worked a long time for that major promotion, or perhaps your talents have been noticed by a competitor. Problem is that the tempting and well-deserved job offer is in another state. For Millennials and Gen-Xers alike, moving up the corporate ladder today often means a change of scenery. As you rush to get your […]

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You’ve worked a long time for that major promotion, or perhaps your talents have been noticed by a competitor. Problem is that the tempting and well-deserved job offer is in another state. For Millennials and Gen-Xers alike, moving up the corporate ladder today often means a change of scenery. As you rush to get your home on the market, beware of making over-improvements that will not offer a decent return on your initial investment. In fact, some seemingly logical upgrades will actually deter some buyers, and that is a demographic you want to keep as all-inclusive as possible! Here are some things to consider as you plan your next steps:

Scope Out the Competition

Start your home selling process with a personal marketing plan. Arm yourself with information about the current home buying climate in your vicinity. Scan the realty websites for your area daily. Who is your competition? For starters, every other home with the same square footage, number of bedrooms, bathroom, garage stalls, and acreage. Is your basement/attic finished? What is the top price for a home with similar features near you? Be sure not to allow a realtor to top that when listing your residence, or you’ll be the last to be seen by prospects and therefore the last to be sold.

Condition Counts

Then there is the matter of condition. How old is your home? Your neighborhood? Traditionally, older, more established neighborhoods will have mature landscaping, more varied architectural styles (i.e. not cookie cutter), and, most important, lower taxes. Next, focus on your home: how old is the roof? What kind of plumbing materials were used- copper, lead, or PVC? Is your foundation poured concrete/rebar or cinder block, which one? Any sign of foundation cracks? Evidence of https://www.servicemasterrestore.com/residential/water-damage inside or outside your home? Insect infestation either active or historic?

Location, Always Location

It’s also important to be realistic about where your home is situated. Buyers dream of being near the water, having a https://www.playcrystalsprings.com/ close by, being within walking distance to shopping, dining, and their children’s elementary schools. Next to a commercial area, directly across from a school, bordering a cemetery, in an airport flightpath, within hearing distance of a railroad, near a high-crime area are not as desirable as locations that offer more peace and quiet as well as safety and privacy. No upmarket kitchen or finished basement can overcome being situated in a less than optimal neighborhood. Such homes must be priced accordingly, marketing must be vigorous, and owners can expect a longer listing to closing time.

Market Conditions

Is it a buyers or a sellers market? If the former, expect to be inspected and any price point challenged in order to make the sale. Even if it is a sellers market, it is important not to over improve your residence, you’ll probably have to ante up to buy in wherever you are going so save money on the selling end. When marketing your home, if you invest too much improving it thinking you’ll sell at a higher price, buyers will simply look -and buy- elsewhere.

If you have to sell your home during what you consider to be an adverse time, consider any advantages you’ll have such as not getting your asking price when selling, will likely mean paying less when you buy in your new city or town. There is usually a silver lining to these transactions, so look for it and seek ways to benefit from any hiccups in the selling/buying process. Our best advice: Become and stay optimistic and be realistic.

We cannot overstate this point: when upgrading for a sale, don’t overdo it. Here are the leading reasons home buyers cite when rejecting a property, so be sure to think twice before making your residence too good to be sold!

Kitchen Remodel

Today’s buyers may want turnkey but they also want kitchens and bathrooms their way. Those high-end cherry cabinets you installed will not resonate with buyers who are sold on having a clean white contemporary look. Ditto for that name appliance package you bought at the big box store when your neighborhood and buyers’ budget dictates commercial appliances and nothing less. The caveats to this statement are if your kitchen is over 15 years old- then prospects will question if the rest of your home has been well-maintained. Also, if your competitors have renovated their kitchens, you must as well. Or, depending on the market, consider deducting the cost of a kitchen reno from your asking price or offering a modest stipend at closing towards a kitchen remodel.

Unfinished Renovations

It only makes the residence look as if an unskilled DIYer incapable of finishing anything started and then lost interest. Presenting a cohesive home is not only appealing, it also inspires buyer confidence. For example, installing granite in a kitchen with outmoded appliances and cabinets will only point out how worn everything else looks and signal a need for a gut job instead of a more cost-effective renovation. Taste is very personal so making upgrades based on your taste might also deter buyers from pulling the trigger since they are considering having to rip out your upgrades to ‘have it their way’. Buyers see it as paying for your mistakes.

Replacing a Bedroom

Before you remodel your mid Century modern or split ranch by converting a small bedroom into a walk-in closet, think again. You’ll need that bedroom to garner the most money from prospects. Instead, your brochure that details the home’s features can state, “4-bedrooms, 3-baths, ideal for in-law suite, home office, and/or walk-in closet conversion.” Let the new folks tailor their new home to meet their needs. Don’t anticipate what those needs might be and lose important living space in the meantime.

Conversions

While we are on the subject, think twice before converting your basement into a private suite, adding a bathroom, or home theatre. Most buyers will not want them. Some folks just want storage, and a clean place to do the laundry. Instead, keep it simple. Paint the floors and walls using products just for this purpose, cap the steel posts with inexpensive poly columns, and present a clean canvas for new owners to make their mark. It is especially important not to imply that the space can be used for living quarters as most jurisdiction now require an outside entrance and egress windows along with an approved variance and permit.

Swimming Pools

Once an upgrade that cinched the deal, now swimming pools are viewed by many as a liability. Either the location is not ideal, or the thought of increased taxes, the cost of insurance and maintenance, and its size, shape, and/or construction are red flags to many buyers. If you have one, just make sure you have your costs to maintain, and the name of your https://www.endlesspools.com/ maintenance person available. Do not put in a pool to increase your chances of a higher home sale. Unless you live in the Southwest, California, or Florida, today’s cost-conscious home buyers are not interested in this upgrade anymore.

We hope you find this information helpful. Just remember there are many updates that can and will speed the selling process. Most of these will not break the bank. To begin with, a home that has been well-maintained will not require a significant cash outlay to become market-ready, just some decluttering, polish and staging. Be sure to follow these pointers before you contact a realtor to ensure an optimal listing price. After all, your home represents a large financial commitment. It is important, especially if moving to a more expensive region, to pull every possible dollar out of your investment. Best of luck!

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10 Benefits of Practicing Yoga https://www.newtonsearch.net/10-benefits-of-practicing-yoga/ Thu, 10 Sep 2020 12:14:52 +0000 https://www.newtonsearch.net/?p=1335 I’m sure you’ve heard a lot about yoga and some of its benefits. While it might sound sort of a “trendy” thing, we can confirm that its practices are great for you on a foundational level. So for the sake of our sanity and your benefit, we’ll break down the core benefits of practicing yoga. […]

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I’m sure you’ve heard a lot about yoga and some of its benefits. While it might sound sort of a “trendy” thing, we can confirm that its practices are great for you on a foundational level. So for the sake of our sanity and your benefit, we’ll break down the core benefits of practicing yoga.

Weight Control

Are you looking to lose weight or just maintain your figure? We know a sound diet is the most important thing to achieve solid weight control, but exercise is also a great way to burn calories and allow for a more forgiving diet. You burn calories when practicing yoga, therefore decreasing your average daily caloric intake when practicing yoga regularly.

Hate going to the gym? Yoga is a great alternative!

You’ll Be More Flexible

Being flexible was never a bad thing, but people tend to overlook some of its core benefits. For starters, more flexibility guarantees a wider range of motion, which increases the effectiveness of all other exercising efforts moving forward. This includes strength training, sports, cardio and anything else you can think of. Let’s also not forget how important flexibility is with age. A lot of the stiffness and tightness older folks face could have been prevented by practicing yoga in their youth.

It Boosts Muscle Strength

Having to hold certain positions increases your strength in ways that you can’t really replicate with gym equipment. Muscle strength isn’t just convenient when helping your friend move, it’s actually very important as you age. Who’s really opposed to more strength anyway?

It’s Ideal For Toning Your Muscles

In addition to weight control and strength gain, you’ll see noticeable changes with the actual toning of your muscles after practicing yoga for a period of time. Perfect for getting ready for beach season in the springtime.

You’ll Be Preventing Injuries

More flexibility and a repeatedly increased range of motion tends to mean one thing – fewer injuries. Most pulled muscles are caused when the muscle fibers twitch and are overstretched. Regularly stretching and practicing yoga prepares the muscles for these actions, making them more capable of performing said actions. This is why people stretch before working out or playing sports.

Great For Cardiovascular Health

When people think of cardiovascular exercise, they think of a treadmill or a jog. These are examples of cardiovascular exercise, but not the only examples. To be honest, any extended use of muscles (the heart is a muscle, too!) is an example of cardiovascular exercise. When exhausting energy, you have to breathe harder, which makes it work more efficiently.

Excellent For Stress Management

While not the same thing, yoga is basically synonymous with meditation. They go hand-and-hand. Yoga is about learning mind and muscle control, as well as finding a connection between the two. The idea is to synchronize these elements of your body to achieve heightened states of zen. Maybe not “zen”, but your own version of it.

It’s Considered a Top Breathing Exercise

We all breathe every day (obviously), but there’s more to it than survival. Achieving a better breathing rate will reduce stress and anxiety and benefit many major organs in the process. Simply put, more effective breathing means more successful – everything!

Prepare To Have More Energy

Getting a solid amount of healthy exercise will help your body manage its energy reserve and build upon it over time. Stronger muscles, more flexibility and a better sleep routine are all byproducts of yoga and all will contribute to a more energized you.

A More Peaceful Mind

I’m sure you’re very busy and there are probably a million things going on in your head right now. That’s normal and while not ideal, is manageable with regular yoga practice. Investing just 10-20 minutes a day will give you the outlet to relax and focus on you. This will help you clear your mind and make space for a better tomorrow.

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Phone Scams and How to Avoid Them https://www.newtonsearch.net/phone-scams-and-how-to-avoid-them/ Thu, 05 Mar 2020 13:43:57 +0000 https://www.newtonsearch.net/?p=1261 It seems that every time I change my change my address, an instance where my number will be given out as a one-time op to a range of persons, a scam or number of scam phone calls soon follow. Due to the circumstances that surround a move, one expects to hear from contractors, and others […]

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It seems that every time I change my change my address, an instance where my number will be given out as a one-time op to a range of persons, a scam or number of scam phone calls soon follow. Due to the circumstances that surround a move, one expects to hear from contractors, and others who are trying to sell something. At first one thinks that the call is valid, perhaps random, maybe because some major life change such as selling a home or applying for Medicare has occurred, and the call somehow relates to that experience. Often the caller is so sincere and the line of inquiry seemingly valid that one begins to let one’s guard down and listen. That’s when the request for a donation, made by credit card, or the need to obtain one’s social security number is made followed by this writer simply hanging up then blocking that number. In this article we’ll cover the most popular ruses and what consumers can do to avoid falling prey to phone scammers.

Following a well-publicized event, con artists will to risk exposure will attempt to cash in. They will script their scam around a catastrophic event such as an earthquake, or hurricane, and create a name that sounds authoritative, such as an association with law enforcement or the military. How do they obtain your number? Anyone can buy a phone list that focuses on a specific demographic. While the companies that sell them are legitimate and they do keep records such as the name of the buyer, the veracity of the seller is not questioned.

Another way to obtain numbers is by creating a random programming script that simply dials a range of presets while the scammer sits phone in hand waiting for a potential victim to answer. Either way, when someone answers, the caller springs into action. Their voice is commanding, fast, and the message is quickly transmitted: “We are the American Benevolent Whatever Association, and we need your help. Your contribution will help the families of those who have been impacted by A Recent Catastrophic Event. You have been selected because we know you care about others. Here is your chance to help hundreds of people with a one-time contribution of…

The Government Does Not Call You; You Call the Government

Yet another popular scam is perpetuated by those who claim to be from the IRS, Social Security, or Medicare. Persons over 55 are generally the targets. The caller will claim that their future checks –usually the target person’s livelihood– are being withheld pending an investigation and to open a remediation ticket the caller needs their Social Security Number and/or a credit card to cover handling costs. The Government does not approach people in that manner and everyone is warned to be wary of any caller who identifies themselves as being from any Governmental organization. The Government advises that if approached in this manner, by a phone call, to simply hang up, and call their local agency office and report the call and provide the number, if possible.

According to the Federal Trade Commission (FTC), every year 11% of Americans or over 26 million of us fall victim to someone either calling or approaching targeted persons online. A proliferation of online and phone frauds have sprung up since the economic downturn of 2008 and seem to impact those who have lost their jobs or have incurred debt over the past two years. Also the demographics are slanted heavily towards non-Caucasians being approached, possibly due to the higher incidence of recent immigrants who might be more open to listening and complying with authoritative callers and messaging.

In case you’re interested, the FTC notes that while phone scams seem to follow a pattern of persons posing as government agency representatives, most online scams approach those seeking life changes. That’s why there is a proliferation of worthless products that tout their value as weight loss facilitators, sexual health rejuvenators, by claiming that the target has won a cash prize, or by someone posing as an authorized billing agent for buyer’s clubs or internet services, and let’s not forget those ‘get rich quick’ work at home programs.

The best advice is to be wary. There are legitimate work from home options, usually associated with major brands. Just approach any solicitation with a grain of salt and be wary. So if you answer the phone and do not recognize the caller, ask them to send you the information or just hang up. And as for online offers, remember that while hope springs eternal for all of us that there is no magic bullet nor overnight cure. That old adage was never more true: if it appears too good to be true, it probably is!

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The 11 Best Barbecue Spots In Kansas City https://www.newtonsearch.net/the-11-best-barbecue-spots-in-kansas-city/ Fri, 27 Sep 2019 12:29:45 +0000 https://www.newtonsearch.net/?p=1163 For a small city known for its delicious barbecue, it pays to know where to go. For this list, we’ll include some of famous and lesser-known establishments that have barbecue all throughout the taste buds spectrum. Name: Arthur Bryant’s Barbeque Date Established: 1908 Address: 1727 Brooklyn Ave, Kansas City The legendary barbecue joint has hosted […]

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For a small city known for its delicious barbecue, it pays to know where to go. For this list, we’ll include some of famous and lesser-known establishments that have barbecue all throughout the taste buds spectrum.

Name: Arthur Bryant’s Barbeque
Date Established: 1908
Address: 1727 Brooklyn Ave, Kansas City

The legendary barbecue joint has hosted presidents and celebrities for one main reason, and that’s their reputation for slow-cooked succulent meats! The meats are cooked with hickory and/or oak and are combined with their secret sauces that give you the legend you see today. There are a few locations now, but we recommend going to the original first.

Name: Gates Bar-B-Q
Date Established: 1946
Address: 1325 Emanuel Cleaver II Blvd, Kansas City

For unbelievable seasoned meats at family-style portions, your best stop is Gates. Many of their meats have their special sauces rubbed in for a consistent (to the bone) taste that you expect from the masters. The atmosphere is unique in the sense that you know its a famous place, but it gives you a comfortable home-like feeling.

Name: Fiorella’s Jack Stack Barbecue
Date Established: 1974
Address: 101 West 22nd Street #300, Kansas City

There’s a lot of competition, but when it comes to a barbecue sandwich, we probably have to go with Fiorella’s. The burnt-end ribs are among one of the best things you can get in Kansas City and the brisket sandwiches are right up there as well. Like many older establishments, the rustic aesthetic at the Freight House will only improve your experience.

Name: Joe’s Kansas City Bar-B-Que
Date Established: 1996
Address: 3002 W 47th Ave Kansas City

Joe’s is a local favorite and is actually… a gas station. Obviously, it’s known more for its competition-level barbecue and now they ship this delicious food. Above all else, you must try the Z-Man, which is brisket, onion rings and their signature barbecue sauce on toasted buns.

Name: Scott’s Kitchen and Catering at Hangar 29
Date Established: 2009
Address: 11920 N Ambassador Drive, Kansas City

Located right off Highway 29, Scott’s Kitchen has become a tourist and a traveler’s destination for the past 10 years. They do a wide variety of cuisines from classic barbecue to burritos and even breakfast! While this might not be the typical “bucket list” spot, it’s become a staple and is a must-try!

Name: Q39
Date Established: 2014
Address: 1000 W 39th St, Kansas City

Acting as a perfect hybrid of classic barbecue and wood-fire grilling, Q39 captures the vintage taste of midwest grilling with a touch of modernism. It’s equipped with a full bar and drink specials with music to complete the trifecta of fun energy.

Name: Plowboys Barbecue
Date Established: 2001
Address: 1111 Main St. Suite 120 Kansas City

The home of grand grilling champions and many fun nights, Plowboys gives midwest barbecue a refreshing spin! They’re most known for their BBQ nachos, which is a long-time local favorite. We’re particularly fans of their ribs and moink, but your favorites are for you to decide.

Name: Char Bar
Date Established: 1995
Address: 4050 Pennsylvania Ave, Kansas City

Char Bar gives you the best of both worlds, great barbecue and an atmosphere to match… also a great beer selection! That’s three worlds! The atmosphere includes fun outdoor activities like cornhole which molds it into more of a hangout spot for an afternoon, rather than a quick dive. Quick tip: their burnt ends are insanely good!

Name: Kobi-Q
Date Established: 2018
Address: 1531 Grand Blvd, Kansas City

This is our dark horse. The Korean BBQ and sushi bar might be the odd man out on our list, but in terms of quality and excellence, it fits right in. While the ingredients might be unique, the flavor is something anyone can appreciate!

Name: Slap’s BBQ
Date Established: 2014
Address: 533 Central Ave, Kansas City

If you’re a fan of smokey, you’ll have to visit Slap’s! Their smokey and spicy foods are among some of the best around, ranging from classic to southern cuisine, and Mexican! Their custom sauces and spices are top of the game too, which they conveniently sell on the side.

Name: Hawg Jaw Que & Brew
Date Established: 2008
Address: 900 Swift St, North Kansas City

Hawg Jaw is home to some of the best BBQ, sandwiches and hot dogs you’ll find. They also have the best beer selection available, when it comes to craft beers. It’s a small, mellow establishment with an inviting atmosphere and food that will make you never want to leave.

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