Finance – Ardud http://ardud.ro/ Fri, 11 Jun 2021 17:05:01 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://ardud.ro/wp-content/uploads/2021/05/default1-150x150.png Finance – Ardud http://ardud.ro/ 32 32 Why Doesn’t Gravity Happen Instantly? https://ardud.ro/why-doesnt-gravity-happen-instantly/ https://ardud.ro/why-doesnt-gravity-happen-instantly/#respond Fri, 14 May 2021 07:11:55 +0000 https://ardud.ro/?p=585 Two black holes, each with accretion disks, are illustrated here just before they collide. The … [+] inspiral and merger of binary black holes provided humanity with our first direct measurement of gravitational waves, and with it, our first direct measurement of the speed of gravity. It isn’t instantaneous. Mark Myers, ARC Centre of Excellence […]]]>

When you look at the Sun, the light you’re seeing isn’t the light that’s being emitted right now. Instead, you’re seeing light that’s a little more than eight minutes old, since the Sun is some 150 million kilometers (93 million miles) away, and light — although it’s fast — can only travel through the Universe at a specific speed: the speed of light. But what about gravitation? Everything on Earth experiences the Sun’s gravitational pull, but is the gravity that the Earth experiences as it orbits the Sun coming from the Sun right now, at this very instant? Or, just like light, are we experiencing gravitation from some time ago? It’s a fascinating question to ponder, with Paul Roland writing in to ask about,

“the relationship of gravitational wave speed to that of light… At first I saw no connection, since gravity derives from mass and is a totally separate effect versus electromagnetics. One might assume [this] would cause gravitational effects to be slower than light [in terms of] propagation time.”

We all have our intuitive thoughts for how we expect things to behave, but only experiments and observations can provide the answer. Gravity isn’t instant, and turns out to propagate at exactly the speed of light. Here’s how we know.

Our story starts with the speed of light. The first person to try to measure it, at least according to legend, was Galileo. He set up an experiment at night, where two people would each be atop adjacent mountain peaks, each one equipped with a lantern. One of them would unveil their lantern, and when the other saw it, they would unveil their own lantern, allowing the first person to measure how much time elapsed. Unfortunately for Galileo, the results appeared instantaneous, limited only by the speed of a human’s reaction.

The key advance didn’t come until 1676, when Ole Rømer had the brilliant idea to observe Jupiter’s innermost large moon, Io, as it passed behind Jupiter and re-emerged from the giant planet’s shadow. Because light has to travel from the Sun to Io, and then from Io back to our eyes, there ought to be a delay from when Io leaves Jupiter’s shadow, geometrically, until we can observe it here on Earth. Although Rømer’s conclusions were off by about 30% from the actual value, this was the first measurement of the speed of light, and the first robust demonstration that light traveled at a finite speed after all.

Rømer’s work influenced a number of important scientists of his day, including Christiaan Huygens and Isaac Newton, who came up with the first scientific descriptions of light. About a decade after Rømer, however, Newton turned his attention to gravitation, and all ideas about a finite speed for gravity went out the window. Instead, according to Newton, every massive object in the Universe exerted an attractive force on every other massive object in the Universe, and that interaction was instantaneous.

The strength of the gravitational force is always proportional to each of the masses multiplied together, and inversely proportional to the square of the distance between them. Move twice as far away from one another, and the gravitational force becomes just one-quarter as strong. And if you ask which direction the gravitational force points in, it’s always along a straight line connecting those two masses. That’s the way Newton formulated his law of universal gravitation, where the mathematical orbits he derived matched up precisely with the way the planets moved through space.

Of course, we already knew how to describe the way that planets orbited the Sun: Kepler’s laws of planetary motion were many decades old by time Newton came along. What he did that was so remarkable was to put forth a theory of gravity: a mathematical framework that obeyed rules from which all of Kepler’s laws (and many other rules) could be derived. So long as, at every moment in time, the force on any planet always points directly towards where the Sun is at that exact moment, you get the planetary orbits to match up with what we observe.

What Newton also realized was this: if you make the gravitational force point towards where the Sun was a certain amount of time ago — such as ~8 minutes ago from the perspective of planet Earth — the planetary orbits you get are all wrong. In order for Newton’s conception of gravity to have a chance at working, the gravitational force needs to be instantaneous. If gravitation is slow, even if “slow” means that it moves at the speed of light, Newton’s gravity doesn’t work, after all.

For hundreds of years, Newton’s gravity was able to solve every mechanical problem that nature (and humans) threw at it. When Uranus’s orbit appeared to violate Kepler’s laws, it was a tantalizing clue that perhaps Newton was wrong, but it wasn’t to be. Instead, there was an additional mass out there in the form of the planet Neptune. Once its position and mass became known, that puzzle went away.

But Newton’s successes wouldn’t last forever. The first real clue came with the discovery of Special Relativity, and the notion that space and time aren’t absolute quantities, but rather how we observe them depends very intricately on our motion and location. In particular, the faster you move through space, the slower clocks appear to run and the shorter distances appear to be. As Fitzgerald and Lorentz, working before Einstein, described it, distances contract and time dilates the closer you move to the speed of light. Unstable particles are observed to survive for longer if they move at high speeds. Space and time cannot be absolute, but must be relative for each unique observer.

If that’s true, and different observers moving with different velocities and/or at different locations can’t agree on things like distances and times, then how could Newton’s conception of gravity be correct? It seems that all of these things can’t be true simultaneously; something must be inconsistent here.

One way to think about it is to consider an absurd but useful puzzle: imagine that, somehow, some omnipotent being were able to instantaneously remove the Sun from our Universe. What would we expect would happen to the Earth?

As far as the light goes, we know that it would continue to arrive for another 8 minutes or so, and the Sun would only appear to go disappear once that light stops reaching us. The other planets would only go dark once the sunlight stopped reaching them, reflecting off of them, and ceased arriving at our eyes. But what about gravitation? Would that cease instantly? Would all of the planets, asteroids, comets, and Kuiper belt objects simply fly off in a straight line all at once? Or would they all continue orbiting for a time, continuing their gravitational dance in blissful ignorance until the effect of gravity finally hit them?

The problem, according to Einstein, is that Newton’s entire picture must be flawed. Gravity isn’t best viewed as a straight-line, instantaneous force connecting any two points in the Universe. Instead, Einstein put forth a picture where space-and-time are woven together in what he visualized as an inseparable fabric, and that not only masses, but all forms of matter and energy, deformed that fabric. Instead of the planets orbiting because of an invisible force, they simply move along the curved path determined by the curved, distorted fabric of spacetime.

This conception of gravity leads to a radically different set of equations from Newton’s, and instead predicts that gravity not only propagates at a finite speed, but that speed — the speed of gravity — must be exactly equal to the speed of light. If you were to suddenly “wink” the Sun out of existence, that spacetime fabric would “snap” back to flat the same way a rock falling into a pool of water would cause the water’s surface to snap back. It would come to equilibrium, but the changes in the surface would come in ripples or waves, and they would only propagate at a finite speed: the speed of light.

For many years, we’ve had indirect tests of the speed of gravity, but nothing that measured these ripples directly. We measured how the orbits of two pulsing neutron stars changed as they orbited one another, determining that energy was radiating away at a finite speed: the speed of light, to within a 99.8% accuracy. Just as Jupiter’s shadow obscures light, Jupiter’s gravity can bend a background light source, and a 2002 coincidence lined up Earth, Jupiter, and a distant quasar. The gravitational bending of the quasar light due to Jupiter gave us another independent measurement of gravity’s speed: it’s again the speed of light, but comes with a ~20% error.

All of this began to change dramatically about 5 years ago, when the first advanced gravitational wave detectors saw their first signals. As the first gravitational waves traveled across the Universe from merging black holes, a journey of more than a billion light-years for our first detection, they arrived at our (then) two gravitational wave detectors just milliseconds apart, a small but significant difference. Because they’re at different points on Earth, we’d expect a slightly different arrival time if gravity propagated at a finite speed, but no difference if it were instantaneous. For every gravitational wave event, the speed of light is consistent with the observed arrival times of the waves.

But in 2017, something spectacular happened that blew all our other constraints — both direct and indirect ones — away. From ~130 million light-years away, a gravitational wave signal began to arrive. It started out with a small but detectable amplitude, then increased in power while getting faster in frequency, corresponding to two low-mass objects, neutron stars, inspiraling and merging. After only a few seconds, the gravitational wave signal spiked, and then ceased, signaling the merger was complete. And then, no more than 2 seconds later, the first sign of light arrived: a gamma-ray burst.

It took some 130 million years for both the gravitational waves and the light from this event to travel through the Universe, and they arrived at the exact same time: to within 2 seconds. That means, at most, if the speed of light and the speed of gravity are different, then they’re different by no more than about 1 part in a quadrillion (1015), or that those two speeds are 99.9999999999999% identical. In many ways, it’s the most accurate measurement of a cosmic speed ever made. Gravity really does travel at a finite speed, and that speed is identical to the speed of light.

From a modern point of view, this makes sense, as any massless form of radiation — whether particle or wave — must travel at exactly the speed of light. What started off as an assumption based on the need for self-consistency in our theories has now been directly confirmed observationally. Newton’s original conception of gravitation doesn’t hold up, as gravity isn’t an instantaneous force after all. Instead, the results agree with Einstein: gravitation propagates at a finite speed, and the speed of gravity is exactly equal to the speed of light.

We at last know what would happen if you could somehow make the Sun disappear: the last light from the Sun would continue traveling away from it at the speed of light, and it would only go dark when the light stopped arriving. Similarly, gravity would behave in the same fashion, with the Sun’s gravitational effects continuing to influence the planets, asteroids, and all the other objects in the galaxy until its gravitational signal no longer arrived. Mercury would fly off in a straight line first, followed by all the other masses in order. The light would stop arriving at exactly the same time the gravitational effects did. As we only now know for certain, gravity and light really do travel at exactly the same speeds.


Send in your Ask Ethan questions to startswithabang at gmail dot com!

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15 applications de messagerie instantanée les plus populaires https://ardud.ro/15-applications-de-messagerie-instantanee-les-plus-populaires/ https://ardud.ro/15-applications-de-messagerie-instantanee-les-plus-populaires/#respond Fri, 14 May 2021 07:10:38 +0000 https://ardud.ro/?p=573 Dans cet article, nous allons lister les 15 applications de messagerie instantanée les plus populaires. Cliquez pour avancer et passer à la 5 applications de messagerie instantanée les plus populaires. Je suis sûr que beaucoup de personnes qui lisent cet article se souviennent de l’époque de MSN Messenger, qui était la première application de messagerie […]]]>

Dans cet article, nous allons lister les 15 applications de messagerie instantanée les plus populaires. Cliquez pour avancer et passer à la 5 applications de messagerie instantanée les plus populaires. Je suis sûr que beaucoup de personnes qui lisent cet article se souviennent de l’époque de MSN Messenger, qui était la première application de messagerie instantanée populaire utilisée dans le monde. Le service de messagerie a été créé en 1999 et, pendant la décennie suivante, a été de loin le meilleur moyen de communication pour tout le monde. J’avais 12 ans quand j’ai commencé à l’utiliser, et je me souviens des noms d’utilisateur soigneusement créés auxquels nous grincons tous maintenant, mais à quel point c’était amusant de rentrer de l’école et d’être plus tard en contact les uns avec les autres via Messenger. Bien sûr, tout cela était avant l’avènement des téléphones mobiles et en particulier des téléphones mobiles intelligents. Et même lorsque les téléphones ont été inventés, du moins dans mon pays, les forfaits SMS et appels étaient assez chers à cause de quoi nous avons préféré MSN Messenger, qui est devenu plus tard Messenger Live.

Je suis sûr que beaucoup d’entre vous se souviennent également de vous être déconnecté, puis de vous avoir réintégré, juste pour envoyer une notification à votre liste de discussion et attirer l’attention de personnes spécifiques. La plupart d’entre nous se souviennent de ces moments avec une profonde nostalgie parce qu’ils étaient aussi simples que possible. Le service a finalement pris fin en 2013, et a atteint un sommet en 2009, alors qu’il y avait 330 millions d’utilisateurs actifs, soit plus que la population des États-Unis. La concurrence la plus proche que les services avaient à l’époque était Yahoo! Messenger, exploité par Yahoo! et était très populaire aussi, mais n’existe plus non plus.

La différence entre cette époque et maintenant est le développement de la technologie dans la mesure où elle est devenue assez bon marché. Alors qu’à l’époque, même les téléphones portables de base étaient assez chers, la plupart des téléphones intelligents sont désormais assez bon marché, au point que 2,7 milliards de personnes utilisent des smartphones à travers le monde.C’est pourquoi les applications sont désormais devenues la plus grande chose plutôt que les services de messagerie de bureau. De nouvelles applications ont été développées au cours de la dernière décennie, ce qui donne un aspect pittoresque au numéro d’utilisation de MSN. Imaginez 2 milliards de personnes utilisant la même messagerie instantanée. Les chiffres sont absolument ahurissants, nous montrant l’utilisation généralisée des services de messagerie instantanée, car les gens peuvent instantanément se connecter avec leurs amis et leur famille, alors même que le monde se mondialise. Vivant dans un pays en développement, il était assez rare que des personnes déménagent à l’étranger au cours des décennies précédentes, mais maintenant, beaucoup plus de personnes déménagent qu’auparavant et rester en contact avec elles ou en contact avec elles n’a jamais été aussi facile. C’est peut-être la principale raison pour laquelle les applications de messagerie instantanée les plus populaires sont un tel succès, en raison de la croissance du marché. Mais bien sûr, il ne s’agit pas seulement de rester en contact avec ceux qui n’habitent pas à proximité. Il est beaucoup plus facile d’utiliser un service gratuit pour envoyer un SMS, un appel ou un appel vidéo à une personne et la partie gratuite est la raison pour laquelle ces choses sont si incroyablement populaires.

15 applications de messagerie instantanée les plus populaires

Michaelpuche / Shutterstock.com

Les chances sont extrêmement élevées que la plupart des personnes lisant cet article aient également un compte sur WhatsApp. J’en ai un depuis environ 8 à 9 ans et presque tout le monde que je connais, vieux ou jeune, y participe également. L’application a obtenu une popularité massive et a été acquise par Facebook en 2014, en raison de la popularité susmentionnée et de la base d’utilisateurs massive. Cependant, la société a récemment été dans l’eau chaude en révélant une nouvelle politique de confidentialité, qui a suscité une énorme controverse. La politique de confidentialité a été annoncée en décembre 2020 et les gens ont été informés que s’ils ne l’acceptaient pas avant le 8 février, ils perdraient l’accès à WhatsApp. La politique de confidentialité a également autorisé WhatsApp à partager plus d’informations avec Facebook, ce qui a suscité le mépris et la condamnation de tout le monde. Cela a même conduit à Elon Musk, fondateur de Tesla (NASDAQ: TSLA) et Space X, et la deuxième personne la plus riche du monde à l’heure actuelle, à tweeter son soutien à l’abandon de WhatsApp et à Signal, qui serait plus sûr en termes de données et de confidentialité. Cela a bien sûr conduit des millions d’abonnés à changer leurs services et à investir dans Signal, augmentant ainsi son stock de 6350% en seulement trois jours. Malheureusement, et ceci est une accusation de la façon dont les gens suivent sans cervelle leurs célébrités préférées sans même vérifier les faits de base au préalable, ce n’était pas la bonne entreprise, car l’application de messagerie réelle Signal appartient à une organisation à but non lucratif et n’a même pas d’actions. faire du commerce.

Cependant, dans une démonstration du pouvoir des gens, cette fois dans le bon sens, l’indignation absolue qui s’est produite à propos de cette nouvelle politique de confidentialité a conduit WhatsApp à être en retrait, à commencer par son plus grand marché qui est l’Inde. L’Inde compte 340 millions d’utilisateurs de WhatsApp et pour s’assurer que le nombre ne plonge pas, WhatsApp a publié des publicités en taille réelle dans les principaux journaux du pays pour calmer les utilisateurs et contrer les rumeurs qui se propageaient comme une traînée de poudre. Cependant, cette stratégie a eu un succès limité et la plupart des gens étaient toujours sur la clôture, ce qui a finalement conduit WhatsApp à retarder sa politique maintenant jusqu’en mai et à confirmer que les personnes qui n’accepteraient pas la nouvelle politique avant le 8 février ne verraient pas leurs comptes supprimés. . Ce qui va se passer maintenant reste à voir, mais le fait qu’une société aussi importante ait été obligée de faire un trackback montre que si elle est unie, les gens peuvent réaliser des choses incroyables. Malheureusement, trop souvent, cet outrage se concentre uniquement sur une perte de commodité.

WhatsApp n’est pas la seule application de messagerie instantanée qui compte de nombreux utilisateurs. Il y en a plusieurs autres avec des centaines de millions d’utilisateurs et sont au top depuis de nombreuses années. Pour déterminer notre liste, nous avons d’abord examiné la recherche effectuée par Data Reportal, qui présente des statistiques pour les applications de médias sociaux les plus utilisées. Là où les chiffres n’étaient pas mentionnés dans les statistiques du rapport de données, nous avons recherché séparément leurs utilisateurs mensuels actifs et avons finalisé notre liste. Alors, sans plus tarder, jetons un coup d’œil aux applications qui sont plus que susceptibles d’être sur votre téléphone en ce moment, en commençant par le numéro 15:

15. Discorde

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 6,7

Discord a été créé il y a 6 ans en 2015 et a été développé par Discord Inc. Bien qu’il compte 6,7 millions d’utilisateurs actifs par mois, il compte plus de 250 millions d’utilisateurs au total, et vous pouvez être sûr que ces chiffres augmenteront encore dans un proche avenir.

J'arrête

J’arrête

Pixabay / domaine public

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 12

Slack a vu le jour il y a 7 ans en 2013 et a été extrêmement populaire depuis, et bien qu’il soit plus populaire pour les forums de discussion, il propose également une messagerie directe.

Conseiller financier

Conseiller financier

Pixabay / domaine public

13. Signal

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 20

Signal est l’application vers laquelle Elon Musk encourage ses abonnés à basculer, qui s’est ensuite écrasée en raison du grand nombre de personnes qui y ont basculé, bien qu’elle soit à nouveau opérationnelle.

13 vraies bonnes excuses d'urgence pour la famille pour se retirer du travail de dernière minute

13 vraies bonnes excuses d’urgence pour la famille pour se retirer du travail de dernière minute

TunedIn par Westend61 / Shutterstock.com

12. Tango

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 48,5

Tango a été développé en Californie et serait l’une des applications de messagerie les plus faciles à utiliser, avec plus de 400 millions d’utilisateurs.

Meilleures lignes d'ouverture de Tinder pour les gars

Meilleures lignes d’ouverture de Tinder pour les gars

Stuart Jenner / Shutterstock.com

11. KakaoTalk

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 51,7

KakaoTalk est une application de messagerie sud-coréenne et près de 93% des utilisateurs de smartphones dans le pays l’ont, où c’est de loin l’application de ce type la plus populaire.

Funny Bumble Bios pour les femmes

Funny Bumble Bios pour les femmes

pathdoc / Shutterstock.com

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 84

LINE a été développé par Line Corporation, filiale japonaise d’une société sud-coréenne Never Corporation. Il a été publié en 2011 et a gagné en popularité massivement depuis.

Funny Bumble Bios pour les femmes

Funny Bumble Bios pour les femmes

mimagephotography / Shutterstock.com

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 115

Microsoft Teams est la dernière application de messagerie instantanée et d’appel dévoilée par Microsoft en remplacement de Skype, vous pouvez donc vous attendre à ce que les chiffres augmentent considérablement au cours des prochaines années.

Meilleurs biographies Tinder pour les grands gars

Meilleurs biographies Tinder pour les grands gars

Joey Chung / Shutterstock.com

8. Viber

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 260

Viber a été créé par la société japonaise Rakuten et était une alternative à Skype lors de son lancement et, en 2018, comptait plus d’un milliard d’utilisateurs à travers le monde.

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app, apple, l’arrière-plan, blog, chat, ordinateur, appareil, discussion, affichage, éditorial, amis, gadget, main, attente, illustrative, information, interface, internet, iphone, médias, message, messager, mobile, réseau, en ligne, organisateur, pad, pda, gens, phablet, téléphone, écran, envoyer, smartphone, sms, social, tablette, technologie, téléphone, toucher, toucher, pavé tactile, viber, voix, voip, wifi, femme

Droits d’auteur: prykhodov / 123RF Banque d’images

7. Skype

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 300

Skype a été le premier service d’appel vidéo gratuit mondialement populaire et accessible qui a été créé par Microsoft et qui en compte plus de 300 millions par mois. Cependant, le battage médiatique derrière Skype a diminué maintenant que vous pouvez passer des appels vidéo via Instagram, Facebook et WhatsApp, et les nouveaux venus comme Zoom ont également pris des parts de marché.

Écran de connexion Skype 6.0

Écran de connexion Skype 6.0

6. Télégramme

Nombre total d’utilisateurs mensuels actifs en 2020 (en millions de personnes): 400

Telegram est une autre application que beaucoup de gens vantent pour remplacer WhatsApp et l’application, qui compte 400 millions d’utilisateurs actifs, accueillerait certainement les numéros ajoutés.

Veuillez continuer à voir le 5 applications de messagerie instantanée les plus populaires.

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Divulgation: Aucune position. 15 applications de messagerie instantanée les plus populaires est initialement publié chez Insider Monkey.

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Do you have enough insurance? The insurance you need https://ardud.ro/do-you-have-enough-insurance-the-insurance-you-need/ https://ardud.ro/do-you-have-enough-insurance-the-insurance-you-need/#respond Mon, 19 Apr 2021 02:37:40 +0000 https://ardud.ro/do-you-have-enough-insurance-the-insurance-you-need/ Picture: Shutterstock Do you need more coverage? If you don’t have adequate life insurance, you are putting the future of your dependents at risk. Determining the size of the coverage is the primary concern of an insurance buyer. A general estimate is that he should be six to seven times his annual income. This, however, […]]]>

Picture: Shutterstock

Do you need more coverage?

If you don’t have adequate life insurance, you are putting the future of your dependents at risk.

Determining the size of the coverage is the primary concern of an insurance buyer. A general estimate is that he should be six to seven times his annual income. This, however, is not set in stone. A person earning Rs 9 lakh per year (Rs 75,000 per month), for example, might need more coverage than the Rs 54 to 63 lakh suggested by this approach.

Don’t let yourself be lulled into thinking that Rs 60 lakh coverage is enough. Even if you assume returns of 9% and inflation of 8%, an inflation-adjusted monthly withdrawal of Rs 30,000 will deplete the entire corpus in less than 20 years.

Life insurance coverage should be large enough to generate income that can cover family expenses until your dependents become self-sufficient. If your spouse is dependent, the coverage should also cover their retirement needs. Next comes the issue of debt. The money received is expected to pay off all outstanding loans, especially high priced home loans. Insurance should also provide for critical financial goals, such as higher education and child marriage. These are one-time expenses and their current cost should be taken into account when determining the size of the coverage.


Choosing the right coverage

The policy must cover you at least until the age of 60 to 65. Don’t take a 15-20 year short term policy that will end when you turn 50. At this age, buying a new policy will cost you a bomb. You might even be denied coverage if your health is not good.

Insurers have also designed new variations of temporary plans. While some of these innovations offer real added value to the buyer, others are just marketing gimmicks that are best avoided. For example, reducing coverage plans to cover loans is not very helpful. These are single premium plans and are tied to the outstanding loan amount. However, most borrowers tend to prepay their loans or switch to another lender.

Insurance companies are supposed to reimburse part of the premium in the event of foreclosure or make an endorsement on behalf of the new lender if the loan has been refinanced. In reality, they are just deceiving the client by saying that the contract has been terminated.

Do not avoid medical tests

Contrary to popular perception, rigorous medical testing helps the buyer. Once you have gone through them, there is no chance that the application will be refused due to pre-existing conditions. The stricter the test, the lower the premium.

Be honest

You must also disclose your social habits to the insurer. If you smoke or chew gutkha, your premium will be around 25-30% higher than that of a non-smoker. Hiding these crucial facts can put your insurance coverage at risk. If the insurer discovers that a policyholder has withheld information that has affected the risk to his life, the claim is canceled. Most companies have forensic experts who scan claim documents for any attempts to mislead. Besides health and social habits, you should also be completely honest about your age, occupation, income, and other insurance coverages.

Insurance

Picture: Shutterstock

The insurance you need for every stage of life

25 years old: single and salaried

  • Life Insurance: Rs 20 lakh online term plan for 30 years.
  • Health insurance: Rs 3 lakh basic coverage (annual).
  • Accidental and disability covers: Rs 25 lakh
  • Property insurance: None
  • Salary: Rs 30,000 / month

30 years old: Married, no children

  • Life insurance: increase to Rs 30 lakh via a recharge plan. Spouse who works Rs 20 lakh.
  • Health Insurance: Keep coverage of Rs 3 lakh; convert to family floating plan.
  • Accidental and disability covers: Rs 25 lakh
  • Property insurance: Rs 5 lakh to cover household contents.
  • Salary: Rs 45,000 / month; spouse’s salary: Rs 35,000

35 years old: Married with children

  • Life insurance: Rs 80 lakh for 25 years; spouse Rs 45 lakh for 30 years.
  • Medicare: Increase the family float to Rs 5 lakh. Purchase a critical illness plan of Rs 3 lakh.
  • Personal accident and disability coverage: Continue with existing coverage.
  • Property insurance: Buy Rs 50 lakh coverage for a Rs 40 lakh house. Review the content.
  • Salary: Rs 75,000 / month; spouse’s salary: Rs 55,000. Rs 30 lakh mortgage loan; Car loan Rs 4 lakh; 2 children

45-50 years: middle age, older children

  • Life insurance: Continue with existing coverages.
  • Health insurance: increase the family float to Rs 7.5 lakh and the critical illness plan to Rs 5 lakh.
  • Personal accident and disability coverage: Continue with existing coverage.
  • Property insurance: review for inflation and rising content

60 years old: Retirement

  • Life Insurance: No coverage required after age 60.
  • Health Insurance: Increase coverage to Rs 10 lakh.
  • Personal accident and disability coverage: do not buy new coverage.
  • Property insurance: increase coverage to Rs 60 lakh

This article originally appeared in Economic times and has been reproduced with permission.

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True Balance Crosses 40,000 Loan Disbursements A Day Nationwide! https://ardud.ro/true-balance-crosses-40000-loan-disbursements-a-day-nationwide/ https://ardud.ro/true-balance-crosses-40000-loan-disbursements-a-day-nationwide/#respond Mon, 19 Apr 2021 02:37:40 +0000 https://ardud.ro/true-balance-crosses-40000-loan-disbursements-a-day-nationwide/ Outlook January 13, 2020 5:57 PM IST True Balance Crosses 40,000 Loan Disbursements A Day Nationwide! perspectivesinde.com 1970-01-01T05: 30: 00 + 0530 (Eds: Disclaimer: The following content is a press release. PTI takes no editorial responsibility for this.) ~ Pay Later product increases 7 times since launch, while Recharge Loan increases 4 times nationwide ~ […]]]>


True Balance Crosses 40,000 Loan Disbursements A Day Nationwide!







perspectivesinde.com

1970-01-01T05: 30: 00 + 0530

(Eds: Disclaimer: The following content is a press release. PTI takes no editorial responsibility for this.) ~ Pay Later product increases 7 times since launch, while Recharge Loan increases 4 times nationwide ~ ~ Instant cash loan disbursements between INR 500 – 4,000 reach 10,000 per day nationwide ~ ~ 100% application-based loans within minutes ~ Delhi, 13.01.2020: True Balance, a fintech application operated by Balancehero India, the wholly owned subsidiary of Balancehero Co. Ltd. Korea, today announced it has crossed 40,000 consistent daily loan disbursements across India. This is even when digital lending in India is expected to be multiplied by 5 to reach disbursement levels of $ 1 trillion in the next 5 years. Loan disbursements are 100% digital, and users can apply for and receive a cash loan in minutes through True Balance’s mobile app. Instant Cash Loans and Personal Loans, among True Balance’s first lending products, launched in September 2019, have an average ticket size of INR 500-7,000, respectively. In addition to cash loans, Pay Later and Recharge loans, launched in March 2019 and June 2019, both increased at an execution rate of 7x and 4x respectively. Instant cash loans that have an average ticket size of 500-800 INR are approved through a combination of True Balance’s Alternative Credit Rating (ACS), online survey, and eKYC. With the number of transactions for instant cash loans reaching 10,000 per day during the last quarter, True Balance plans to increase the size of loans to borrowers with good credit ratings. “India’s unbanked population has not been able to apply for credit for a very long time now, due to the lack of adequate methodologies for measuring creditworthiness. True Balance intends to change that across India for the newly credited population, promoting needs-based financial inclusion through offerings such as e-commerce IMEs and UPIs, which we plan to launch this month. next, ”said Charlie Lee, co-founder and CEO of True Balance. Last October, True Balance’s lending arm, TrueCredits, received its NBFC license and the 3-year PPI license renewal from the Reserve Bank of India. True Balance is currently increasing the expansion of the C Series to accelerate the growth of lending business across India. REP REP


Warning :- This story has not been edited by Outlook staff and is auto-generated from news agency feeds. Source: PTI


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Dwayne Johnson’s family had COVID-19; said he had “difficulty” https://ardud.ro/dwayne-johnsons-family-had-covid-19-said-he-had-difficulty/ https://ardud.ro/dwayne-johnsons-family-had-covid-19-said-he-had-difficulty/#respond Mon, 19 Apr 2021 02:37:38 +0000 https://ardud.ro/dwayne-johnsons-family-had-covid-19-said-he-had-difficulty/ Johnson said he and his wife had a “difficult ordeal” despite the discipline during the pandemic. Now he has some advice for his fans. Actor Dwayne “The Rock” Johnson says he, his wife and two young daughters have all tested positive for COVID-19. While he said the family had recovered, he and his wife, Lauren, […]]]>

Johnson said he and his wife had a “difficult ordeal” despite the discipline during the pandemic. Now he has some advice for his fans.

Actor Dwayne “The Rock” Johnson says he, his wife and two young daughters have all tested positive for COVID-19. While he said the family had recovered, he and his wife, Lauren, “struggled.”

“I can tell you this has been one of the hardest and most difficult things we’ve ever had to endure as a family,” Johnson said in a video posted on Instagram on Wednesday.

Johnson has said that while he has had his share of personal struggles in his life, it is different because of his responsibility to protect his family.

“This one was a real kick in the stomach,” Johnson said, adding that he wished it was only him who was diagnosed.

Johnson said his daughters, Jasmine, 4, and Tiana, 2, suffered from sore throats but were otherwise well.

“It was a little different for Lauren and I. We struggled but we got through it,” Johnson said. He did not develop.

Johnson said his family got infected from very close family friends who don’t know how they got him.

“They are devastated that it caused them to infect our family,” Johnson said.

Johnson said he counted his blessings because he knows not everyone comes out of COVID-19 healthy.

“Some of my best friends have lost their parents, loved ones to this virus which is so incredibly relentless and ruthless and it’s insidious,” Johnson said.

Johnson said his family and friends had been very disciplined throughout the coronavirus pandemic and yet they were still infected. So he’s now taking it a step further and advising fans on what they can do to stay safe – something he called “controlling controllers.” This includes getting friends and family tested before their visit and making a commitment to health, wellness, and immune system strengthening.

Johnson also asked fans to wear face masks. He said it was not a political issue, as some have claimed.

“It is the right thing to do and it is the responsible thing to do not only for yourself, but also for your family and loved ones, but also for your fellow human beings,” Johnson said.

Johnson ended hopefully, saying he thought the world would be very different a year after a vaccine was discovered and people were vaccinated.

“But it is then. It is now. What we can do now is control the controllable elements,” Johnson said.

RELATED: CDC Tells States To Be Ready For COVID-19 Vaccine By November 1

RELATED: No Strong Evidence To Recommend Convalescent Plasma For COVID-19, Government Panel Says

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Twitter’s Jack Dorsey faces another crisis, this time from an activist investor https://ardud.ro/twitters-jack-dorsey-faces-another-crisis-this-time-from-an-activist-investor/ https://ardud.ro/twitters-jack-dorsey-faces-another-crisis-this-time-from-an-activist-investor/#respond Mon, 19 Apr 2021 02:37:38 +0000 https://ardud.ro/twitters-jack-dorsey-faces-another-crisis-this-time-from-an-activist-investor/ Jack Dorsey has rarely been a stranger to controversy. The simultaneous CEO of Twitter Inc. TWTR, +1.07% and Square Inc. SQ, +1.53% has been ruthlessly criticized for allowing President Donald Trump to abuse the Twitter platform on a daily basis while other conservatives claim they are being censored. Dorsey has sounded the alarm among shareholders […]]]>

Jack Dorsey has rarely been a stranger to controversy.

The simultaneous CEO of Twitter Inc. TWTR,
+1.07%
and Square Inc. SQ,
+1.53%
has been ruthlessly criticized for allowing President Donald Trump to abuse the Twitter platform on a daily basis while other conservatives claim they are being censored. Dorsey has sounded the alarm among shareholders of both companies with plans to spend up to half the year in South Africa. And his eccentric behavior – once tolerated in Silicon Valley and on Wall Street – is increasingly frowned upon.

So it’s no surprise that activist investor Elliott Management Corp., which has racked up a billion dollar stake in the social media company, wants to remove Dorsey as head of Twitter and has named four directors to the board. Twitter administration, according to a Bloomberg report Friday night. The hedge fund declined to say anything more on Monday.

Contacted by email, Twitter declined to comment.

But investors spoke loudly about what they thought, pushing Twitter shares up 8.5% on Monday. “We believe this may continue as details (and Elliott’s letter to the board) become available,” AB Bernstein analyst Mark Shmulik said in a note on Monday.

“Twitter is a great product, but we’re seeing a mismatch between current valuation and fundamentals,” wrote Shmulik, who ranks Twitter stocks as underperforming with a price target of $ 32 per share. “We welcome Elliott’s position as a catalyst to improve execution, even if the activist push fails. “

Daniel Newman, senior analyst at Futurum Research, was more direct with a phone interview. “Twitter is an echo chamber” that does not reach a large audience beyond the tech community and celebrities, he told MarketWatch.

Elliott’s beef with Twitter and Dorsey is multiple: his innovation has lagged behind rivals Snap Inc. SNAP,
+ 0.61%
and the FB of Facebook Inc.,
+1.89%
Instagram in developing filters and stories that are popular with their users; its relatively sluggish stock market performance compared to its competitors on social networks; and Dorsey’s ever-shorter engagement on Twitter, given her dueling role at Square and her goal of spending several months in South Africa this year.

But what makes Dorsey most likely is that Twitter has only one share class, which means it doesn’t have control over the company’s votes like co-founders Mark Zuckerberg. from Facebook or Evan Spiegel from Snap. Elliott is said to have increased his Twitter stake to 4%.

Dorsey also faces a hedge fund that doesn’t hesitate to force changes on the tech companies it invests in. After gobbling up the shares of eBay Inc. EBAY,
+ 0.34%
and made a series of demands, eBay CEO Devin Wenig resigned in September and eBay sold its StubHub ticketing business for $ 4.05 billion to Viagogo. She is now considering selling her classifieds business. (Elliott advocated the sale of both divisions.)

See Also: Ebay Sells StubHub To Viagogo Ticket Marketplace For $ 4.05 Billion In Cash

Elliott also flexed its shareholder power over AT&T Inc. T,
-0.65%
and Marathon Petroleum Corp. MPC,
-0.52%

Despite criticism from Dorsey, whose reign as CEO of Twitter since July 2015 has been hampered by flat stock performance, he maintains a few vocal advocates. They point to Twitter’s growth – its monetizable daily active users increased 21% in the fourth quarter, compared to 17% for Snap and 8% for Facebook – and its ability to monetize its members. The San Francisco-based company reported quarterly revenue of $ 1 billion for the first time this holiday season, although a decline in advertising has squeezed its profits.

See also: Twitter action soars to best day since 2017 after sharp increase in user growth

“We don’t know in what areas Elliot Management thinks TWTR could be improved by a new CEO,” Evercore ISI analyst Kevin Rippey wrote on Monday, in which he raised the company’s price target to $ 33 for $ 29.

“We do not believe that a replacement for Mr. Dorsey would be better able to position the company to address the structural issues that challenge sustained growth,” said Rippey.

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CeraVe Cream Foam Cleanser Review: Is It As Good As The Original Moisturizing Cleanser? https://ardud.ro/cerave-cream-foam-cleanser-review-is-it-as-good-as-the-original-moisturizing-cleanser/ https://ardud.ro/cerave-cream-foam-cleanser-review-is-it-as-good-as-the-original-moisturizing-cleanser/#respond Mon, 19 Apr 2021 02:37:37 +0000 https://ardud.ro/cerave-cream-foam-cleanser-review-is-it-as-good-as-the-original-moisturizing-cleanser/ CeraVe is a long established American skin care brand that landed in the UK in 2018. Loved by many, during my years working in the beauty industry, I have yet to hear bad word about it. This is for two simple reasons: it’s affordable and efficient. There are no frills when it comes to packaging, […]]]>

CeraVe is a long established American skin care brand that landed in the UK in 2018. Loved by many, during my years working in the beauty industry, I have yet to hear bad word about it.

This is for two simple reasons: it’s affordable and efficient. There are no frills when it comes to packaging, following the clinical look of French drugstore brands like La Roche Posay and Avène, but the scientific ingredients pack a punch.

In my own skincare routine, I’m a huge fan of Smoothing Cream, a giant £ 18 jar of body moisturizer that tackles dry, rough, bumpy skin much better than any. luxury counterpart three times more expensive.

However, it is the hydrating cleanser that is the flagship of the brand. You’ve probably come across the white and green bottle on your Instagram or TikTok feed, as it’s recommended for dermatologists and skin care enthusiasts.

The formula, which costs just £ 9.50 a bottle, is designed for normal to dry skin and contains ceramides and hyaluronic acid, which work in unison to hydrate skin, retain moisture and prevent water loss.

It’s been part of my routine since the start of 2019 and as a long-term sufferer of hormonal acne it’s my choice when I’m having a flare-up and want something that soothes and calms stressed skin without causing it. more breakouts.

In the US CeraVe has a long range of products, a more refined line is available in the UK and the latest launch for us Brits is a cream-to-foam cleaner that promises to remove all traces of grime, grime and makeup.

Foaming cleansers can often remove moisture from the skin and leave it dry, as foaming agents are high in alkali and can be too harsh, but this latest launch from CeraVe promises to hydrate, which we wanted to test.

At first glance, the two cleansers seem almost identical, but I tested them to see if it’s worth switching up, looking at the texture, effectiveness, price, and results to see the difference between the two.

You can trust our independent reviews. We may earn commissions from some retailers, but we never allow this to influence selections. These revenues help us fund journalism through The independent.

CeraVe Hydrating Cleanser 236ml

We have found this cleanser to work well on all skin types

(CeraVe)

This £ 9.50 cleanser can only be described as gentle. It has a creamy, silky texture that distributes generously through the pump. Usually I use it in the morning and as a second cleanse in the evening, massaging it into damp skin before rinsing off, and a pump is more than enough.

It’s very light and instantly softens, and no matter how many times I’ve accidentally put it in my eyes, it hasn’t irritated them.

The pump is also useful, because when your hands are wet, you can use the side of your arm to dispense the product without splashing water on the bathroom floor.

I have tried using it to remove makeup, using a flannel to remove it from my face once applied, but find the weightlessness of the formula can’t quite change my waterproof mascara and fundus. more covering complexion, so I often have to go there again to get most of my face off.

That said, it does a great job of leaving skin feeling fresh and smooth when used on a face without makeup in the morning and evening.

Ceramides are an important part of the formula and of the whole brand for that matter. Simply put, these are lipids or fats produced naturally by the body that form a protective layer on the skin barrier to retain moisture, prevent water loss, and protect against environmental stresses like pollution.

However, our production of ceramides can become depleted due to aging and sun damage, resulting in dry, rough or even itchy skin. This cleanser works to leave skin feeling dry and textured, plumped and hydrated in just a few days of use.

All in all, this is a cheap beauty buy worth adding to your stash, for all skin types. My only complaint is that the bottle is opaque so without unscrewing the pump it’s harder to tell when you need a replacement.

Buy now

CeraVe moisturizing cream with cleansing foam 236ml

This creamy formula is fantastic for dehydrated skin

(CeraVe)

The latest launch claims to cleanse, moisturize, and remove makeup without disrupting the skin’s protective barrier and is rich in amino acids that help attract and hold water on the skin.

In addition to ceramides and amino acids, it also contains hyaluronic acid, a heroic ingredient in dehydration. A molecule can contain 1000 times its weight in water, which makes it an excellent moisturizer.

Like its predecessor, it has a creamy texture that I applied to a wet, massaged face. It immediately foams into a rich lather that spreads evenly over the skin without being overwhelmed by bubbles.

Similar to the moisturizer version, it didn’t quite get my water repellent mascara off, but it did effectively remove my foundation, concealer, bronzer, and blush. If you like wearing bold, bright lipstick shades I recommend using micellar water to remove it first as I struggled to remove all traces of my favorite lipstick. with the cleanser alone.

Since I have combination skin, I tend to avoid foaming cleansers as they can be quite drying, so I was pleasantly surprised at how rich and creamy the foam was on my skin. It’s also easy to rinse off, leaving no residue.

It certainly works best as a cleanser in the morning or as a second cleanse in the evening if you like to wear a full face of makeup. Although it removes makeup better than the original moisturizing cleanser, it still doesn’t completely remove all traces.

Costing £ 3 more than the original at £ 12.50 I’m not sure the higher price is justified as both are decent products that deliver similar results but you get a generous bottle anyway. of 236ml which, in my experience with the Original Cleansing Moisturizer, will last for months. So if you like the hydrating cleanser but want a little more makeup removing power and hydration thanks to the amino acids, we suggest you try the new version.

The bottle is also translucent, which is great for keeping an eye on how much you’ve used and when you need a new one.

It’s currently out of stock, but check back regularly for updates when it returns.

Buy now

The Verdict: CeraVe Hydrating Cleanser vs Cerave Cream-Foam Hydrating Cleanser

Both products offer similar attributes; affordable, accessible and straightforward skin care products that work and while they don’t quite live up to the claim of effectively removing makeup, they hydrate the skin well and leave your complexion as clean as possible.

Ultimately, it comes down to which texture you prefer, although I recommend using the new cream-foam cleanser if you’re looking for a lighter texture that provides an extra boost of hydration thanks to the rich formula. amino acids. It is light, easy to rinse and leaves the skin comfortable and soothed.

To learn more about skin care, read our overview of the best SPF moisturizers or our review of Estée Lauder reformulated advanced night repair serum

IndyBest product reviews are unbiased, independent advice you can trust. On some occasions we earn income if you click the links and purchase the products, but we never allow this to distort our coverage. Reviews are compiled through a mix of expert opinion and real-world testing.

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The best gold infused skin care products https://ardud.ro/the-best-gold-infused-skin-care-products/ https://ardud.ro/the-best-gold-infused-skin-care-products/#respond Mon, 19 Apr 2021 02:37:37 +0000 https://ardud.ro/the-best-gold-infused-skin-care-products/ Christmas Gift Guide 2020: Gold Infused Skin Care Gifts getty Want to make a beauty lover shine this holiday season? Real gold infused skin care products will tick all the right boxes. Gold gives creams and serums anti-inflammatory and antioxidant properties, helping to keep skin healthy, radiant and luminous. In addition, products rich in gold […]]]>

Want to make a beauty lover shine this holiday season? Real gold infused skin care products will tick all the right boxes. Gold gives creams and serums anti-inflammatory and antioxidant properties, helping to keep skin healthy, radiant and luminous. In addition, products rich in gold Feel fancy. What could be more luxurious than nourishing your face with precious metals?

Here are eight gold infused skin care products that make great holiday gifts.

PMD Beauty Clean Pro Gold

If you’ve got someone on your gift list that’s craving a facial, consider packing this cool gadget from PMD Beauty. Made of silicone, the device has a brush head that vibrates 7,000 times per minute to remove dirt and oil and firm the skin. Flip it over and you’ll find a 24k gold-plated facial massager that can warm up the serum and spread it deep into the pores. It is the gold standard when it comes to a home spa tool. $ 249 from pmdbeauty.com

Makanai Goldays 24k Gold Perfector Sheets

When it comes to gold infused skin care gifts, nothing is purer than these gold perfector leaves from Makanai, a Japanese beauty brand that has its origins in a 120-year-old gold foundry. years in Kanazawa. Each delicate leaf contains only one ingredient (gold) and can be placed directly on damp skin for a shine. After a few minutes, massage the sheet onto the skin with serum, oil or moisturizer in circular motions until the gold is completely absorbed. This unique gift offers a new way to experience the majesty of gold in a skin care product. $ 25 from makanaibeauty.com

Makanai Skin Jewel Oil Serum

Double up Makanai’s golden skin care products for your favorite beauty enthusiast by pairing the Golden Perfecting Leaves with this oil serum. The delicate bottle shines with so much gold, it’s like a little snow globe. But more than pretty, the formula itself is a winner. It contains seven vegetable oils to smooth the skin and enhance its natural glow, as well as persimmon leaf extract to deliver a mega dose of vitamin C. The scent of sandalwood, rosemary and lime makes l application of this oil serum a real pleasure. $ 50 on makanaibeauty.com

Macklin Bath & Home 14k Gold Eye Masks

Macklin Bath & Home makes it easy to put some gold in someone’s Christmas stocking with this set of gold eye masks. Each chic black and gold box contains 10 pairs of eye masks infused with gold essence, cactus extract and aloe. It’s the perfect way to cool off on a flight, turn a bubble bath into a spa-like experience, or rejuvenate tired eyes after another Zoom call during quarantine. $ 10 at macklinbathandhome.com

Herla Gold Supreme Illuminating Body Oil

Enhanced with 24k gold, this illuminating body oil from Herla will make the recipient shine from head to toe. The lightweight formula, made with shea butter, sweet almond oil and sunflower oil, is quickly absorbed without a sticky finish. It also traps moisture to banish winter drought. The best part? A sweet, summery scent that will make you feel like you are relaxing in an upscale tropical resort spa. $ 50 at macys.com

Isolana Gold Illuminating Mask

Gold is just the beginning of the precious ingredients in this illuminating gold mask from D’Isolana Skincare. This luxurious skin care gift harnesses the healing and beautifying properties of silver and camel milk. It is also infused with another special ingredient: thermal water from a spring on the Italian island of Ischia. Legend has it that the source was a gift from Apollo. No doubt anyone who receives this golden skincare gift will feel like a true goddess. $ 185 at disolana.com

Pure Sol Perk Up Gold Eye Masks

Know someone who needs a little relief from all that time spent in front of a remote working screen? Give them a dozen pairs of Pure Sol Gold Eye Masks. Nano-gold particles create an instant brightening effect, while hyaluronic acid provides much-needed hydration to the delicate area under the eyes. Pro tip: Put these babies in the fridge to increase their deflating power. $ 22 at puresolbeauty.com

Nature Republic Ginseng Gold Silk 24k Gold Bulb

South Korean skincare brand Nature Republic brought their beloved Ginseng Gold Silk 24k Gold Ampoule to the United States just in time for the holidays. The potent product provides antioxidants, nourishment, and hydration from ginseng and royal jelly, as well as increased collagen production from rare silk amino acids. It also suspends a generous amount of 24 karat gold in each drop of serum to help fight environmental stressors and protect the skin. $ 78.90 at naturerepublicshop.com

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Why You Need To Deep Clean Your Kettle Now: Mom Shares Her Simple One-Ingredient Cleaner https://ardud.ro/why-you-need-to-deep-clean-your-kettle-now-mom-shares-her-simple-one-ingredient-cleaner/ https://ardud.ro/why-you-need-to-deep-clean-your-kettle-now-mom-shares-her-simple-one-ingredient-cleaner/#respond Mon, 19 Apr 2021 02:37:37 +0000 https://ardud.ro/why-you-need-to-deep-clean-your-kettle-now-mom-shares-her-simple-one-ingredient-cleaner/ An Australian mother of two revealed how to deep clean your kettle using a natural ingredient. The woman, who is called Mama Mila, from Melbourne, shared a video on TIC Tac with its 160,000 subscribers and demonstrated just how easy the “need to know” cleanup hack is to perform. “This is the natural, scrub-free way […]]]>

An Australian mother of two revealed how to deep clean your kettle using a natural ingredient.

The woman, who is called Mama Mila, from Melbourne, shared a video on TIC Tac with its 160,000 subscribers and demonstrated just how easy the “need to know” cleanup hack is to perform.

“This is the natural, scrub-free way to rid the kettle of lime,” she captioned the video.

Speckled stains on the bottom of the kettle appear over time as a result of overuse and minimal cleaning.

The effortless tactic is to fill the kettle with water and add lemon slices to the device, which acts as a natural deodorant.

Mila, a Melbourne resident, shared a video on TikTok and demonstrated how easy the cleanup hack is to perform

The spotty spots on the bottom of the kettle (left) appear over time from overuse, but mom Mila explained how to easily clean the kitchen appliance

After you added the lemon to your kettle, Mila told you to boil the kettle twice and keep the water hot in the kettle for a total of 30 minutes before draining it.

The DIY cleaning hack did wonders to instantly clean the inside of the kettle and remove the stain.

The acidity in lemons is known to kill bacteria, molds and germs and also acts as a great natural cleaning product.

After the video was posted, the post has been viewed over 95,000 times.

The effortless tactic is to fill the kettle with water and add lemon slices to the device

Mila then boiled the kettle twice and kept the water hot in the kettle for a total of 30 minutes before emptying it.

The effortless tactic is to fill the kettle with water and add lemon slices to the device, then boil the kettle twice and let it sit for 30 minutes before rinsing.

This isn’t the first time a savvy mom has shared the kettle cleaning hack online, as in late October, Stephanie shared before and after footage with the Mums Who Clean Facebook group.

“The weird time you stick your head in the kettle and see how disgusting it is,” she said, as the dark stain looked repulsive.

Also using chopped lemons, Stephanie was able to remove the stain using the antibacterial ingredient.

“Quick fix with a chopped lemon and let it boil,” she said and chopped up several lemons to boil them in the kettle.

This isn't the first time that a savvy mom has shared the kettle cleaning hack online.  Stephanie shared an image of the brown stains inside her kettle along the bottom edge that had built up over time from continuous boiling (pictured)

This isn’t the first time that a savvy mom has shared the kettle cleaning hack online. Stephanie shared an image of the brown stains inside her kettle along the bottom edge that had built up over time from continuous boiling (pictured)

Also using chopped lemons, Stéphanie was able to remove the stain

“The weird time you stick your head in the kettle and see how disgusting it is,” she said, as the dark stain looked repulsive. But luckily, Stephanie was also able to remove the stain using a natural antibacterial ingredient.

The DIY cleaning hack did wonders to instantly clean the inside of the kettle and remove the stain

The DIY cleaning hack did wonders to instantly clean the inside of the kettle and remove the stain

Both social media posts quickly caught the attention of others who were equally shocked at the condition of the kettle and the ease with which the stains were removed.

Many also shared their DIY cleaning recommendations and the products they use, including vinegar, lemon juice, and citric acid.

‘Citric acid is also a treat, only [costs] a few dollars, ”one person said.

“Be careful with the vinegar and a full kettle, it will overflow – discovered the hard way,” added another.

A third said: “My husband didn’t believe it would work !! I loved proving him wrong.

The acidity of lemons is known to kill bacteria, molds and germs and also acts as a good natural deodorant.

Many also shared their DIY cleaning recommendations and the products they use, including vinegar, lemon juice, and citric acid.

The acidity of lemons is known to kill bacteria, molds and germs and also acts as a good natural deodorant.

Another woman who tried the nifty trick for herself shared step-by-step images (pictured) of how lemons remove bad stains from inside the kitchen appliance

Another woman who tried the nifty trick for herself shared step-by-step images (pictured) of how lemons remove bad stains from inside the kitchen appliance

Another woman who tried the nifty trick for herself shared step-by-step pictures of how lemons remove bad stains from inside the kitchen appliance.

Lemons are also convenient to use for cleaning other appliances and kitchen items, including the microwave, wooden cutting boards, sink, countertops, and containers.

For those who don’t want to spend money on lemons, bottled lemon juice from the supermarket is a cheap alternative.

TEN WAYS TO USE LEMON IN THE KITCHEN

1. Clean the microwave

2. Clean wooden cutting boards

3. Remove stains from butcher block counters

4. Make an all-purpose kitchen cleaner

5. Polish copper

6. Refresh waste disposal

7. Rub the food stuck on the dishes

8. Clean and deodorize smelly plastic containers.

9. Polish sharp knives

10. Clean the blender

Source: thekitchn.com

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Leveraging digital technology in lending https://ardud.ro/leveraging-digital-technology-in-lending/ https://ardud.ro/leveraging-digital-technology-in-lending/#respond Mon, 19 Apr 2021 02:37:37 +0000 https://ardud.ro/leveraging-digital-technology-in-lending/ After reaching a daily record of 1 billion Naira in loan value, Access Bank Plc is implementing measures to boost lending in the country, writes Nume Ekeghe Nigerian banks are seen as unfriendly to retail customers, with high interest rates and the amount of collateral they require when granting loans. In recent years, several fintech […]]]>

After reaching a daily record of 1 billion Naira in loan value, Access Bank Plc is implementing measures to boost lending in the country, writes Nume Ekeghe

Nigerian banks are seen as unfriendly to retail customers, with high interest rates and the amount of collateral they require when granting loans.

In recent years, several fintech companies have emerged, some promising modest amounts of unsecured loans, others marketing financial products that make more money for their clients.
A notable example is Access Bank. The bank has expanded its digital loan portfolio, giving Nigerians quick, 24/7 access to emergency funds without any collateral.

Recently, the bank announced that it had reached a daily record of 1 billion naira in loan value.
According to Victor Etuokwu, executive director of retail banking at Access Bank Plc, “We are at the forefront of digital lending across the continent. This is a deliberate choice we made when we introduced the first USSD-based digital lending product in Nigeria, based on our deep understanding of our operating environment.

“Over the past two years, we have disbursed over 3.5 million loans to individuals. We recognize that this is no small feat compared to where the market originated, but it remains a scratch in the overall potential of this market.

“This year alone, we have disbursed over 45 billion naira in more than two million personal payments and have recently seen our volumes increase to one billion naira per day.
“This achievement and our focus on personal lending reiterates our commitment to democratize access to financial services by leveraging digital technology. “

Digital loan
In 2018, Access Bank launched PayDay Loan, a digital loan service. Unveiled in partnership with Remita, the PayDay Loan required no guarantees or guarantees and allowed customers to obtain loans instantly without going through the bank. It was also designed to allow clients to meet their urgent financial needs before receiving their paycheck.

Etuokwu added, “Obtaining loans in Nigeria has always been known to be limited, either due to access issues or collateral, including the length of the approval process.

“With our obligations to our clients, especially during difficult economic times, we underscore Access Bank’s position in providing lifestyle products and services that meet their financial needs. “
Along with the launch, the bank announced a special USSD code through which customers could use the service.

“The product is unique because the beneficiaries only need to be diligent employees who can now get stress-free instant loans or bring in a guarantor,” the bank said.

Launch of QuickBucks
Since launching PayDay Loan as a digital flagship product, Access Bank has continued to expand its loan portfolio using innovative algorithms and deep machine learning capabilities. The bank’s innovation journey in retail has led it to expand its digital loan offerings to other multi-tenant variants to meet the needs of its various retail customer segments.

After Payday, Access Bank also launched a dedicated loan application platform known as QuickBucks in the third quarter of last year. Quickbucks is a mobile banking app for digital loans aimed at improving the borrowing experience for customers for retail loans.

As part of its commitment to deepen digital finance, the bank has also taken a step forward in providing access to phone ownership by recently launching a 12-month device ownership program where any employee customer can select a phone. of your choice from our QuickBucks. app and enter one of its partner outlets across the country to pick up the phone.

Support customers
Head of Digital Banking Business Development, Access Bank, Chinedu Onuoha, recently commented on the bank’s digital innovation campaign.
“Our aim is to ensure that there is a digital loan product for every adult Nigerian who has a proven livelihood, because we know that every individual at one point or another needs some form of financial support.” , did he declare.

“Our flagship digital loan product, PayDay Loan, is designed to help individuals meet their urgent cash flow needs. Although the term of this loan is 30 days, we also have loans with terms of three months and six months.

According to the bank, its digital loans are accessible 24 hours a day and can be accessed through its shortcode.
“It can also be accessed through the Access Mobile app and the QuickBucks app; these apps are available for download from the Play Store and iOS stores, ”he added.

The bank explained that its drive to digitize lending remains the future of the bank. According to a McKinsey study, “Credit is at the heart of most customer relationships, and its digitalization offers significant benefits to banks and customers alike. For the bank, successful transformations improve revenue growth and deliver significant cost savings. “

But challenges abound. For example, only about one in five adults and 38 percent of households in Nigeria report having a formal bank account.

If people cannot access (or do not trust) formal banking systems, it will remain difficult to make credit universal and cheap, as it should be.
There is also the issue of strong competition from new players on the scene and government regulation.

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