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Archives for October 2021

Weight Loss Tips That Are Actually Effective

October 29, 2021 by admin

There is no shortage of advice when it comes to weight loss. Some advice is accurate and based on evidence, some not so much, and a huge portion of advice is completely and utterly false. That’s why It’s always a good idea to consult a doctor or a professional dietitian before starting a weight-loss strategy. It’s often hard for those who are concerned with their health and weight, to navigate through the sea of myths that pollute the weight loss industry. However, we have compiled a list of simple and effective tips that can get you closer to your ideal healthy weight.

Tip No.1: Increase Your Protein Intake

When it comes to muscle building, the importance of protein is no secret. But a protein-rich diet is also effective for weight loss as it helps the body to modulate appetite, energy intake, and metabolism. The energy received from protein has a higher satiation effect than the same amount of energy taken from fats and carbohydrates partly because it takes more energy for the body to digest protein.

Eating more protein not only helps you to maintain muscle mass but also helps you to lose fat, especially when combined with exercise.

Tip No.2: Intermittent Fasting

Everyone knows about the benefits of controlling the number of calories we consume for weight loss, but a few might know the benefits of managing its timing. Within the first two hours of eating, our body is in a fed state and considers the recent food as its primary source of energy. In this period, the body stores the excess energy as glycogen in the muscles, liver, and kidneys. After the first two-hour period, the body changes its energy consumption behavior and starts using the stored energy taken from the food. After eight hours the body changes the proportions again to avoid the depletion of glycogen and starts to look for other sources of energy mainly the stored fat.

So by extending this period, we can burn more fat around the body as fat cells are long-term reserves for providing energy. For example, you can have two 12-hour fasting periods in a day by having meals at 7 am and 7 pm. Alternately, you can have all your meals and snacks within 6 hours to have an 18-hour fasting period. Cramming all your food consumption in a limited window of time also naturally reduces your calorie intake.

Tip No.3: Supplement Options

Unfortunately, there is no easy or global rule for evaluating the efficacy of supplement options. There are occasions and instances where supplements are beneficial, and there are supplements that are actually effective. But given the fact that FDA does not regulate supplements and companies don’t need FDA’s approval to put their dietary supplement products on the market, it’s important to do thorough research about any option you’re considering to take.

For instance, glucomannan is a water-soluble fiber that contains natural prebiotics that helps to feed probiotics which results in digestion improvement. Glucomannan also causes a more gradual sugar absorption, decreases the absorption of fats, and absorbs up to 50 times its weight in water. So, taking it before a meal causes it to swell inside the stomach and give a feeling of satiety which decreases your calorie intake.

To learn more about which supplements have scientific evidence to back them up, check out independent sites, and read up on reviews, such as this Night Shred review.

Tip No.4: Drink Black Coffee

Drinking coffee in the morning doesn’t just increase your mental alertness and physical energy, but helps you lose fat as well. Caffeine is a stimulant that boosts your brain activity and increases your metabolism which leads to burning more calories. Black coffee has no calories and the nutrients in a cup of black coffee are not significant enough to change the metabolism so, in effect, it keeps the fast going and is perfect for those who practice intermittent fasting. Just skip sugar, cream, or milk to avoid excess calories.

Tip No.5: High Intensity Interval Training (HIIT)

High intensity interval training involves short periods of extreme exercise (as hard as you can) followed by periods of active recovery and rest. These extreme exercises can be any sort of activity such as sprints, cycling, or jump roping so long as they are very intensive. Those who have limited time for exercising can greatly benefit from HIIT as its short bursts of activity allow for getting intense exercise in a short amount of time.

Since the intensity of the workout has a larger effect on EPOC—which is the burning of the extra calories long after a workout due to the body’s increase in oxygen consumption—than its duration, HIIT is an efficient way to lose weight through workouts.

Filed Under: Uncategorized

Is Fintech Here to Stay?

October 28, 2021 by admin

Financial technology or fintech adoption was already growing at a steady rate before the Covid-19 pandemic struck. According to the Global FinTech Adoption Index—a report published every two years—consumer adoption of fintech services increased from 16 percent in 2015 to 64 percent in 2019. Fueled by online migration and social distances brought upon by the pandemic, fintech adoption has exploded worldwide, turning the sector into an essential part of the finance industry.

The Fintech Effect

Fintech is defined as a type of innovative technology that competes with conventional methods to deliver digitally enhanced financial services with more accessibility, both in the public and private sectors. From straightforward mobile banking to AI algorithms that power customer service advice, big data analysis for fraud detection to blockchain-based cryptocurrency trading, fintech can come in many forms.

Since the onset of the pandemic, fintech has become the global mainstream. Consumer awareness of fintech services is at an all-time high with 94 percent of consumers informed of some form of fintech payment or money transfer service. However, this level of awareness varies across services with consumers less knowledgeable about fintech offerings outside of everyday personal banking.

Along with its widespread adoption, global investment in fintech has been on the increase as well, rising from 22 billion in 2015 to an impressive 215.4 billion in 2019. Many fintech innovations are spearheaded by established financial institutions and large technology companies looking to enhance their level of customer service and outshine their competitors. Fintech provides an opportunity for incumbent financial institutions to diversify their services, reach a wider audience, and manage transactions more efficiently.

That said, many radical fintech services are pioneered by startups, who are more agile and well poised to participate in disruptive innovation. While fintech adoption rates are much higher in the Asia Pacific region, the Americas lead the charge for fintech business startups, registering 10,605 fintech startups as of February 2021 compared to 6,129 in the Asia Pacific. A simple look at the expansive list of fintech startups in New York will show how the sector is experiencing robust growth.

A New Way to Pay and Play

As consumer needs evolve, digital innovation is reshaping the financial world. Following the desire for convenience and efficiency, e-commerce and global cashless payments are becoming more abundant than ever. The challenge for conventional banks is to have the dexterity and originality to expand their fintech offerings amidst strong competition. If existing financial institutions are slow to come around, non-financial companies can wiggle their way into the financial services sector.

An example of this is Apple Pay, where users can connect their banking cards to their Apple account and use their iPhone as a contactless payment method. This service initially upset Australia’s major banks so much that they petitioned the Australian Competition and Consumer Commission (ACCC) to be allowed to collectively bargain with or boycott Apple. The request was denied, citing multiple benefits to the consumer.

On the other side of the world in China, where 95 percent of consumers use fintech, digital messaging giant Tencent similarly dipped its toe into the financial services sector by including a wallet in its WeChat messaging mobile app. The WeChat wallet not only allows peer-to-peer transactions, but also includes services such as donations, wealth management, bills payment, and the purchase of tickets for transport and attractions.

If WeChat is anything to go by, an e-wallet that can be used for a variety of purposes across different businesses speaks to the needs of the busy modern consumer. In this case, consolidated platforms have the edge because consumers can avoid the hassle of having to repeatedly verify their identity before undertaking transactions.

Fintech for the Future

So, what is in the future of fintech? To see what the fintech space would look like in the coming years, we only have to look at the burgeoning list of fintech startups and their diverse and varied offerings. From AI for social media marketing to personalized insurance on your mobile, fintech is set to permeate and expedite every possible niche and need in our lives. For SMEs, fintech solutions will provide more affordable and functional services than traditional financial institutions, allowing them to grow faster than ever before.

As technology advances to empower consumers and the volume of data passing through the cloud grows exponentially, the risk to our information increases. Ensuring data and privacy security will be integral to the continued advancement of fintech because any breach of information security will have impacts on trust across the globe. A mammoth task for regulators would be finding the fine balance between disruption and security; innovation and compliance.

Perhaps the fintech revolution will decelerate as slower-moving markets catch up. Or maybe the fierce competition between the Americas and the Asia Pacific region will continue to produce cutting-edge creations. Whatever the outcome, it seems that fintech is here to stay. With numerous virtual banks being approved and markets becoming less regulated, we can look forward to better and more responsive customer-focused financial services.

Filed Under: Uncategorized

Why Medical Assistants Love This Career Choice

October 26, 2021 by admin

Medical assistants are a key component in the healthcare industry and if it wasn’t for their dedication and loyalty to the profession, healthcare as we currently know it would collapse. As a medical assistant, you may be at the forefront in a healthcare facility and you may be the first person that a patient encounters when first walking into the clinic. You may need to escort the patient into the examining room, record the weight and height and check vital signs. This is all in preparation for the arrival of the doctor so that the patient can be examined and treated by the physician as quickly as possible.

As a medical assistant, you may also be working behind the scenes doing administrative tasks such as greeting patients, scheduling appointments, answering phones, filling out insurance forms, handling the billing, or making arrangements for laboratory tests. The duty of a medical assistant varies from one clinic to the next but each opportunity offers an incredible amount of job satisfaction.

Medical Assistant as a Career Choice

Many people want to work in the healthcare industry but don’t want to be involved in the hands-on care of people. If you are one of these individuals, an administrative role would be the most appropriate. If, on the other hand, you would prefer a variety of tasks and work in both the hands-on and in a hands-off position, you can search out clinics offering a dual role with patient care and administrative duties. As well, if you only want to work directly with patients on a regular basis and don’t want to be stuck behind a desk for hours at a time, these types of positions are certainly available

This is one of the reasons why becoming a medical assistant makes a lot of sense when you are interested in the healthcare field. You’ll have choices when it comes to your career goals, once you have finished your education.

When You Want to Make a Difference

There are a lot of career choices available, but someone hoping to make a difference should consider working in the field of healthcare. Every day you’ll have a sense of accomplishment knowing that you helped people in one way or another. Whether you are setting up a lab appointment for somebody or checking vital signs, everything that you do on a day-to-day basis is helping another human being.

When you want to fill yourself with a sense of pride, this may be the perfect job for you. There is also a lot of respect for anyone working in the healthcare field. You’ll find that others have a large amount of admiration for the type of work you do while gaining the respect of others.

Stimulating Work Environment

Experience something different and exciting every time you walk into the clinic. You’ll have new problems to solve while working in a fast-paced setting. As a medical assistant, you’ll be helping the clinic run smoothly to ensure others get the most out of their health care. Visit our website to learn more about a fulfilling career opportunity as an assistant in a medical facility.

Filed Under: Uncategorized

A Clearer Look at Windshield Safety

October 25, 2021 by admin

Automotive safety features have evolved immeasurably over the last century, in both structure and function. Windshields are key structural safety elements, and as such are no exception. They are designed to support the front part of the vehicle if it rolls, and not to shatter into harmful shards on impact. 

The technology used in auto glass repair has also evolved and improved, with the invention of newer, clearer and stronger materials. Cracks and chips can generally be repaired, if they are caught before they get too big or run too far. There are also kits available for do-it-yourself repairs, but these come with certain complications that make a compelling argument for getting the job done by a professional. This is because the resins used to repair cracks and chips come in different types, and not all react the same way, or should be used for the same purpose.

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Resins used for auto glass repair work are manufactured to fill in an area where glass is missing, adhere to the surrounding glass, and provide structural support to stop the surrounding glass from cracking further. Resins are used because they are clear, flexible and yet durable.

High quality resins will last a lifetime, whereas poor quality resins become brittle and ineffective quite quickly. Some low quality resins do not harden correctly, and some harden too much and crack under pressure.

Not all resins were created equal, and so it is important to use a high quality resin for an auto glass repair, as this is a safety feature of the car, and it needs to hold up under constant use, in all weather.

Viscosity

Resins come in different viscosities or thicknesses. Viscosity is measured in centipoise (cps). The higher the viscosity, the thicker the substance. For example, water has a viscosity of 1-5cps, while honey has a viscosity of 2-3000 cps.

Resins of a higher viscosity may take longer to cure or harden, and certain types of resins will have an ideal temperature range in which they should cure.

An auto glass repair professional should know which viscosity to use for the type of damage she is asked to correct, as resins for glass repair are available in 20, 40, 60, 90, 100 and 200cps. This is why technicians cringe when people suggest using nail varnish to repair a crack.

Different Fixes

As with anything in life, it may look simple at first, but on closer inspection, auto glass repair is never a simple job. Professionals classify windshield damage into various categories by shape, size and depth.

To the general public, a windshield can have a crack or a chip, but within the automotive industry, these blemishes are described in terms like bull’s eye, combination break, edge crack, floater crack, pit, stress crack, half moon, long crack and star break.

Not all of these can be corrected. If they are larger than eight inches, the windshield usually needs to be replaced. However, a knowledgeable and experienced technician will be able to determine the safety value in a repair, and will often have a couple of tricks up his sleeve when it comes to the repair job itself, what resin to use and how to use it.

UV Protection

Once a crack or chip has been repaired, and the resin has been allowed to harden and cure under the sun, a professional auto repairer will buff down the resin and coat the area with a type of varnish which is designed to protect the resin from the ultra violet rays of the sun. This is because exposure to UV rays after curing can cause resins to perish and become brittle, and the resin will lose its flexibility, causing the screen to start cracking again.

Windshield glass is also manufactured with an integral UV shield to protect passengers and the vehicle interior from harmful UV exposure over time. It makes sense to add in a form of UV protection to an area which has become vulnerable, although not everyone might think of it.

High Tech, Not High Cost

Many people believe that doing the job themselves will save money, but if the job has to be done twice, then it may be a case of false economy. Especially when dealing with a safety feature like a windscreen, and complex chemical compounds like resins, it might sometimes be a better choice to let the professionals handle it, and know that the job has been done well. In the end, this kind of consideration always comes down to money, especially in the current hard economic climate, but sometimes less really is more.

Filed Under: Uncategorized

Starting Your Own Business at Home

October 18, 2021 by admin

In an era of rising property costs, home businesses have become an enticing and viable option for those seeking to start their own business. Home business serves as a good starting point for many. It is a rather low-cost endeavor and can allow you to gauge how successful your business can be. There are many advantages to starting a home business, and given the current circumstances, there is no better time than now.

A Guide to Starting a Home Business

Before anything, what exactly is a home business? A home business generally refers to a small business where you are operating from your home. Your business can range from selling baked goods to doing freelance work, such as photography or journalism. When Steve Jobs started Apple in the garage of his house in Los Altos, Apple was considered to be a home business too.

It might sound easy to start a home business, since you are simply providing a service from your home. However, here are some things you can take into consideration when starting a home business.

Firstly, it is important to do market research beforehand to find out what other businesses are doing. Based on a study conducted by Fundera, there are roughly 15 million home-based small businesses around the United States. This shows that home businesses are abundant, and this number will only continue to grow. If your business is going to be faced with many competitors, you can try to set yourself apart from others, either by offering something unique or better.

While doing market research, it would also be a good opportunity to figure out how you should price your product or service. You can check out similar businesses and analyze the market rates. Then, evaluate the quality of your own product and service in comparison and decide on a suitable price range for your customers. This can be important, as the accessibility of the internet allows customers to easily compare the prices of various businesses. By doing adequate research beforehand, you can ensure that you provide reasonable prices that will be able to entice potential customers.

It might also be useful to have a virtual address for business. When you start a business, you might have to place your address on name cards or websites and more. If you are working from home, it might not be the best idea to provide your home address as your business address. A virtual address will provide safety and convenience. Even if you move, you do not have to deal with the hassle of changing your business address on various platforms.

Lastly, creating an online presence is essential for a home business. In particular, social media is the best way to gain a wider audience. It allows you to interact with customers and easily receive feedback or reviews from them. Creating a website may also boost your online presence. Not only does it make your business seem more reliable, but customers can learn about your business and browse your products.

The Flourishing Home Business Industry

In current times, the home business industry has been growing and flourishing. In Singapore, a country in Southeast Asia, a woman named Josephine Wee started a home business selling baked goods. She was part of the tourism industry, but found it hard to make ends meet when tourism came to halt due to the Covid-19 pandemic. Fortunately, her home business was extremely successful, and she is now able to earn enough to be the sole breadwinner of her family.

Many home businesses have emerged for the same reason. Since the start of the pandemic, many people have been forced into unemployment due to the poor economy. Finding a new job was also a challenge amidst various lockdowns. As such, home business served to be a useful option for people to gain income while working remotely. Remote work is an extremely beneficial aspect of home businesses. It can ensure the safety of staff by lowering the possibility of them contracting and spreading the virus. Of course, having the comfort of working from home without needing to spend money on travelling or renting out a space are added benefits.

Another reason for the popularity of home business is also because it is relatively easy to enter this industry. If you already have all the necessary materials or equipment at home, you may already be halfway there. Starting a home business may be as simple as creating a social media. This is not to disregard the difficulties of starting a home business, but online platforms have been changing in a manner that is beneficial to home businesses.

In trend with the booming e-shopping and social commerce, many social media platforms have begun to provide shopping options. Some examples include Facebook Marketplace and Instagram Shopping. Since many people frequently use social media, these platforms allow users to easily find home businesses. Through such platforms, home business owners can easily gain a social media following. A steady stream of customers from social media and online can ensure the longevity of a home business.

As the digital market continues to grow and thrive, if you are interested in starting a home business, there is truly no better time than now to give it a try.

Filed Under: Uncategorized

Three Ways to Support Parents Through Gray Divorce

October 16, 2021 by admin

Couples over 50 who have been together for decades are more frequently deciding to separate or divorce. This phenomenon has been termed “gray divorce”, and as dreary and dry as it may sound, the prospect of beginning again, after years as part of a pair, can seem quite daunting.

If you are a child of gray divorce, you may feel tempted to view yourself as collateral damage; a victim of the fallout. A more positive option you could choose, however, is to take an active and supportive role in your parents’ split. This choice can also help to mitigate the feelings of helplessness and frustration which might rise up in your own emotional well. Here are three ways in which you can claim your own personal control over how you experience your parents’ divorce.

Be like water

Bruce Lee was talking about how to move when fighting an opponent. If you are like water, there is nothing to fight.

As a young (or possibly mature) adult, you can afford to step back and not get caught up in the drama. When relationships dissolve, there is bound to be a degree of hurt feelings and resentment. One or both of your parents might refer to it as a “failed relationship”. Your role is to help your parents through this time, and you need to remind them that their relationship is not failed, and that they have not failed as people. The partnership has simply run its course, and they have achieved what they set out to do: make a home, have a child or many children, live together and have some happy times. Now it is time for a new direction and another goal.

If you try to resist your parents’ life decisions, you might complicate things, and you could end up doing damage to your relationship with one or both of your parents. Just be like water. Go with the flow. Try to keep your attitude compassionate but accepting. Your parents will appreciate a cooler, calmer head to offer them some perspective and (dare we say it!) a good example to follow.

Don’t take sides

Avoid the temptation to side with one of your parents. As much as one parent will hurt more than the other, and your heart might be breaking for him or her, don’t take sides. You might even be called on to sympathize with one of your parents at the other’s expense; no good will come of it.

It is important to realize that although you are part of your family, you are not part of your parents’ relationship. Their history and interactions go deeper than your experience, and only they know everything that transpired between them. Making value judgements on who is right and wrong will not produce any kind of positive outcome. It will only do more damage to your parents, who will already be experiencing pain from their decision to split up.

Instead, give both parents equal amounts of support and understanding, and ensure that they both know that you love them and value their roles in your life and your family’s life, if you have children. This kind of emotional support will go a long way to helping them through the insecurity of transitioning to a single life, and your relationship with them will be stronger for it.

Make time

Once the split has taken place, make the time to be with each of your parents. You will have to decide for yourself if one of your parents is not coping as well as the other, and needs more emotional support. You won’t be able to see this unless you are spending time with them, talking openly to them and paying attention to what they say, and don’t say.

This is important because, according to a study conducted by Prof. Susan Brown at Bowling Green University, depressive symptoms increase after dissolution of marriage, and are higher amongst divorcees than widowers. This means that your parents may need some professional emotional support through a psychologist or counsellor to help them through the rough patches, and you need to be there to point it out to them, if necessary.

Children don’t often grow up expecting their parents to get divorced. This kind of dissolution no longer only happens to people in abusive relationships, and there are many reasons why an older couple might decide to part ways. When older parents split up, it can come as a shock, and there is the potential for all family members to emerge from the process broken and distraught.

Of all the ways that a divorce can happen, the adult children of gray divorce can choose to take on a role which will help to direct the events towards the most positive and emotionally supportive outcome for everyone.

Filed Under: Uncategorized

How to Overcome Barriers of Chemistry and Get a Good Grade

October 11, 2021 by admin

Undergraduates often face an uphill battle with chemistry. It is one of those subjects that you either have a knack for or it knocks you over. Exploring life at its most elemental levels is fascinating but learning the equations and vocabulary can be frustrating.

You might assume that chemistry is one of those ultra-dry subjects that requires endless hours of toil and sweat over elemental properties and bonding theories. In many ways it is. Chemistry problems can get complicated in a hurry.

This is what makes it fascinating and fun if you have the right frame of mind and curiosity for the subject. Those who take chemistry simply to attain science credit may have the opposite opinion. Nevertheless, chemistry is unavoidable for most science majors.

Chemistry is a core class for students who aim for careers in medicine or the science industries and almost all majors require students to take at least one hard science course.

Because of demand, undergraduate chemistry students often experience large auditorium-style lectures and crowds of disinterested students. The professor may seem remote, lecturing from a far, talking in theory with little student interaction.

This is not a good dynamic for learning and contributes to the high failure rate in chemistry.

Up to one in five college students fail general chemistry on the first try. A recent study of general chemistry students at a liberal arts college near Chicago shows that less than 60% achieve the required pass rate of C or better to continue the course sequence.

While on some level failure is part of the scientific process, that might not be an option for you.
You can take steps to overcome the obstacles of overcrowded lecture halls, boring professors and complicated explanations of stoichiometry that make no sense.

Elements of Success in Chemistry

Conquering chemistry requires attitude and a high degree of tenacity. It is such a detail-oriented subject that leaves little room for interpretation. A chemistry problem is either right or wrong and professors do not usually give out partial credit for effort.

To succeed in chemistry, you need to stay on top of the game. It is easy to get behind in chemistry and once you are behind you may always be behind. Procrastination can be your Achilles heel. Chemistry professors cover a lot of ground and it is easy to be left in the dust.

Read that textbook no matter how dull it is. Listening to the lecture and taking notes is often not enough. In an average fifty-minute lecture, professors deliver about five thousand spoken words. Only ten percent are written down.

You might try using a text-to-speech app to listen while doing other things. University of North Carolina has developed good strategies that can help you read textbooks with greater efficacy. Textbook knowledge is a must in chemistry.

Look beyond the technical jargon. Chemists talk in a specialized language. Foreign students and even many native speakers of English often get freaked out by the big words. Words are only symbols and while they may look complex do not let them scare you.

Numerous studies show that across the sciences low marks are often due to a failure to understand the language of the questions.

Learn those vocabulary words but do not let them scare you. The language of science can make the concepts much more confusing.

While it may not be possible to ask questions in a classroom with hundreds of other students, simply being a passive, non-thinking, information receiver is not a recipe for success.

Unless you have a clear understanding of chemistry it is important to be more proactive. Find ways to supplement your learning either through a study group or a tutoring service, or pay a professional to provide chemistry homework help.

Take Charge of Your Chemistry Grade

At the end of the day, you are probably not a chemistry major. General chemistry can be a hazardous stepping stone and balancing on that stone may cause you concern.

Some of the obstacles are beyond your control. The podium lecturer writing complex equations on a whiteboard you can barely see. The crowd of distracted spectators, most of whom do not want to be there. The lengthy words that are easier said than spelled.

Despite these barriers to learning, you might not want to be the one of five who are repeating general chemistry next semester.

One way that you can resolve these common issues with chemistry is to seek extra help. A good tutor will have walked this path before and can offer perspective, advice and support. What is missing in most chemistry classes is context and a chance to ask questions.

First-year chemistry students need more than lecture notes, textbooks and long-winded lectures. They need opportunities to collaborate, explore, and connect information to real life. They need to know how to translate abstractions to real terms.

Sometimes you just need answers. Tutors go beyond books and confusing science terms. They can explain chemistry in ways that you can relate. They can lead you to accurate solutions.

Students lead busy lives and with a full-spectrum course load perhaps chemistry is not your top priority. Even if it is, tutorial services can ease your burden and activate your mind.

Filed Under: Uncategorized

Do you have any questions about bobtail insurance? We’ve got the answers

October 11, 2021 by admin

The trucking industry is a vital pillar for the revival of the economy, as communities depend on trucks for the delivery of everyday goods. Without professional truck drivers, none of the facets of the global or local economy could function. Presently, there’s a driver shortage because the experienced workforce is retiring. That explains why there are so many bobtail trucks on the road. A truck driver that operates under someone else’s authority has to get insurance, whether or not they’re under dispatch for a job. In an attempt to help those employed in the trucking industry better understand insurance, we’ve compiled a list of the most commonly asked questions.

Do I need bobtail insurance?

Bobtail insurance is designed for motor carriers that transport goods for customers using their own trucks and equipment, and, at times, drive without a trailer attached. Owner-operators are required by the Federal Motor Carrier Safety Administration to have liability coverage. Besides bobtail insurance, you can purchase other types of insurance, such as cargo insurance, roadside breakdown coverage, and personal property insurance, just to name a few. It’s better risk management. According to Insuranks, there are certain considerations for those contemplating bobtail insurance. Look at the terms of every provider and compare them thoroughly.

Is there any difference between non-trucking liability and bobtail insurance?

The term “bobtail insurance” is used interchangeably with “non-trucking liability insurance”. the question now is: Is there any difference between the two? Actually, there is. Non-trucking liability insurance protects the owner or the operator when they go to the grocery store or attend a kid’s special events – in other words when the vehicle isn’t used for business purposes. By contrast, bobtail insurance offers protection against any liability if you’re hauling any trailer or load. It doesn’t matter if the truck was used for business or personal reasons. Regardless of the scenario, the policy acts as an umbrella.

What’s the minimum coverage that I need to get?

Primary liability protection is a type of policy that all truckers must carry, as demanded by the Federal Motor Carrier Safety Administration. The amount can range somewhere between $750,000 and $1,000,000. If you were to get into an accident, the primary liability insurance would pay for the related expenses. Attention needs to be paid to the fact that the minimum required limit depends a lot on the type of freight that is transported. Examples of freight include non-hazardous freight, oil moved by for-hire and private carriers, and other hazardous material.

How much does bobtail insurance cost?

The overall cost of bobtail insurance is decided by several factors, including driving history, the frequency of driving without a trailer, limits requested, and the number of employees, just to name a few. It’s not recommended to rush into buying a policy without checking out different quotes. There are countless insurance companies and agents on the market these days, which means that there’s no shortage of choices. Take the time to understand the terms and conditions. It’s worth looking into the legality of the fine print because surprises might arise when claiming liability.

Filed Under: Uncategorized

Why Students Need to Be Strategic About Their Sleep

October 7, 2021 by admin

You may have already heard about the point of diminishing returns. It is an economic principle often talked about in relation to the mass production of products and economies of scale. The idea behind it is quite simple — increasing the input does not always lead to more output. There is a point at which the return on your investment starts to decay.

Consider this example. Say you have a factory that makes paperclips. The machines take cubes of solid steel and turn them into perfect paperclips, already packaged and ready for sale. Since the machines turn steel into paperclips, you may believe that the more steel you have, the more paperclips you’ll get. But that’s only true to a certain point.

Too much steel and you’ll wear down the machinery. Even if you don’t go above capacity, operating above the optimal speed will overheat the parts, increase wear and tear, and just overall lead to more costs than you anticipated. That’s what happens when you cross the point of diminishing returns — you start getting less value out of your input. And that’s what you have to keep in mind when it comes to sleep loss as a student.

How long can you stay awake?

University students are no strangers to pulling all-nighters, especially as they climb their way to getting Master’s and Doctor’s degrees. But staying awake longer only helps you produce more up to a point. Eventually, you’ll cross the point of diminishing returns, and you’ll be so drowsy that an hour of your sleepless study effort will only be worth as much as a half-hour of regular study.

Keep pushing and soon enough each hour will only be worth 15 minutes, then 5, and eventually you’ll be grueling over a text that you won’t even remember in the morning. Studying hard is good, but only when the results are worth the sacrifice. That’s why it’s important for you to be strategic about your sleep, rather than just staying awake no matter what because you’re worried you won’t meet a deadline if you fall asleep.

Sometimes, a short nap can help you reach your deadline, rather than hinder you. That’s what being strategic about your sleep is all about.

Sleep and self-care strategies

It’s important to remember that sleep does more than just allowing your body to rest. Your brain builds memories and assimilates knowledge during your sleep. On top of that, sleep helps regulate your hormone levels, which can help you feel both calmer and more energetic the next day. Sleep loss, on the other hand, accentuates feelings of anxiety.

This means that if you are going to skip sleep, you need to be smart about it. Don’t just stay up until you are done. Keep an eye out for the moment when staying up is doing you more harm than good. Is it worth getting through that next chapter if the sleeplessness will boost your anxiety, which might make you freeze the next day?

It’s also important to remember that sleep isn’t a binary choice. Don’t stay up just because you’ll only get an hour’s worth of sleep if you get to bed — that one hour can do you plenty of good. Yes, getting an hour of sleep will leave you disoriented by the time you wake up, but that’s nothing a cold shower won’t solve. You can even help yourself keep going by printing some motivational quotes on a custom shower curtain. And after that initial bout of disorientation, you’ll feel much better than if you had gotten no sleep at all.

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