4 Tips To Help You Reduce Debt

4 Tips To Help You Reduce Debt

Word Count:


If you want to reduce the debt that you are dealing with in your life, there are various ways that you can do this task. While it may not be easy to cut your debt, it will be worth the effort in the long run. Here are four ways that you can apply to reducing your debt. Using these methods could also lead to wiping your slate clean of all your debts.

#1 Use Cash Only

One way that you can drastically reduce debt that you have is by using cash to pay for your purchases. If…

reduce debt

Article Body:
If you want to reduce the debt that you are dealing with in your life, there are various ways that you can do this task. While it may not be easy to cut your debt, it will be worth the effort in the long run. Here are four ways that you can apply to reducing your debt. Using these methods could also lead to wiping your slate clean of all your debts.

#1 Use Cash Only

One way that you can drastically reduce debt that you have is by using cash to pay for your purchases. If you continue to use your credit cards all the time, you will only build up more and more debt. As the debt piles up, you begin to lose control, and find yourself behind on your monthly payments.

Instead of reaching for your credit card, start buying only what you can afford with the cash you have. Often, this will mean making do with less. But a small sacrifice can prevent financial disaster in the future.

Tip#2 Get Rid of High Interest Credit Cards

If you want to reduce debt that you already have, you need to get rid of those high interest credit cards that you are carrying. Many times, you are barely paying off the interest each month with your payments. But if you get a card with lower interest rate, more of that monthly payment will pay off the original amount you owe. If you need to have a credit card for emergencies, make sure the card is a low interest one so you will not have to pay much interest costs.

Tip#3 Do Not Avoid Your Creditors

Fear may tempt you to avoid bill collectors and credit cards companies who call wanting payment. But you can benefit from talking to them. Often, if you talk to your lenders, you can let them know you are doing your best to pay your bills, but with much difficulty.

The lender may then propose a settlement that could provide some relief from your debts. This could mean offering a lower interest rate or having you skip one or more payments. Creditors like to know that you are working to pay your bills, so take the initiative and talk to them personally.

Tip#4 Decide on a Budget

Another way that you can reduce debts is to come up with a reasonable budget and stick to it every month. This will help you to live within your means so you are not always spending more money each month than you make. Make sure to budget in payments for your bills as well. And if there is any extra money, you may want to pay more on loans or credit cards that have high interest rates.

Families need to work together to reduce debts that you have built up. Usually, there is a way that everyone can help. Whether it is by watching the grocery spending or cutting down on what you spend on movies and entertainment each month. If you want to reduce your debt, it will take work and perhaps even sacrifice. But in the long run, it will be worth it to see your debt come down with each passing month. If you work at it, you will be debt free.

3 Credit Tips That Will Save You Hundreds Each Year

3 Credit Tips That Will Save You Hundreds Each Year

Word Count:https://www.discoverybit.com


While extremely convenient, credit cards can be a very costly consumer product. Most people don’t realize just how expensive carrying around a credit card in your wallet can be. Each year many big spending credit card consumers can throw hundreds or even thousands of dollars out the window using credit cards. Even if you’re not a big credit card spender, almost anyone can save hundreds of dollars each year with these 3 credit card tips.

Never Pay the Minimum Payment



Article Body:
While extremely convenient, credit cards can be a very costly consumer product. Most people don’t realize just how expensive carrying around a credit card in your wallet can be. Each year many big spending credit card consumers can throw hundreds or even thousands of dollars out the window using credit cards. Even if you’re not a big credit card spender, almost anyone can save hundreds of dollars each year with these 3 credit card tips.

Never Pay the Minimum Payment

Your credit card company usually makes sure you know that there is a minimum payment. Even if you owe thousands of dollars, your minimum payment can seem extremely low, sometimes only 3% of your total balance. However, what the credit card companies don’t tell you is that if you have a large balance and only pay the minimum payment for the next few years you will cost yourself possibly thousands of dollars in interest costs alone. In fact, that purchase at the record store for $50 over time will double. To avoid paying interest only and never touching the principle make sure you always pay more than just the minimum payment.

Transfer Your Balance to a Lower Interest Credit Card

Most Americans receive several credit card offers each month and most have some very enticing interest rate offers. For instance, many credit card offers will transfer your existing high interest rate credit card for free to the new card and allow you either zero percent interest for 6 months or a very low interest rate for a specific period of time. If you have a high balance in which you pay hundreds of dollars each year on interest payments, in many cases it is in your best interest to accept these offers and enjoy zero or low interest for the next 6 months to a year.

Use a Debit Card Instead of a Credit Card

It’s no surprise that many times we use credit cards out of habit. But why use something that is so expensive when we don’t need to. We can easily pay for that meal or fill up our car with gas with our debit card and not pay any interest. Debit cards are just as convenient as credit cards and usually accepted everywhere credit is as well. Use your debit card to avoid high interest fees in the long run and you can literally save hundreds in interest fees each year.

“Forex has the Advantage”

“Forex has the Advantage”

Word Count:

When it comes to trading in any market, Forex currency trading has a huge advantage over other players in trading business.


Article Body:
Greetings Fellow Forex Traders,

When it comes to trading in any market, Forex currency trading has a huge advantage over other players in trading business. Firstly, the Forex market has the advantage of time freedom. You see in the 4x market one can trade around the clock from Monday through Friday. In the stock market that is simply not possible since the market closes at 4:00. This advantage of time freedom allows those who have not yet earned enough money trading in the 4x market to maintain their day jobs while trading at night. It is also quite plausible to trade in the morning before a person goes to work. Trading the Forex can become an excellent second job for you.

Unlike the stock market, the currency trading market does not require a trader to pay a commission to place a trade. This will come as a welcome sign of relief to those who have grown accustomed to the vast amount of money they must fork over to their brokers which go towards clearing, exchange and government fees. In the 4x market you also do not have to worry about having a large sum of money in your account to sell your currency pairs. This concept of selling as you may already know is commonly called shorting in the equities world. You can buy or sell at will in the currency trading arena.

It is so amazing to be able to participate in this market right now. You can do so from the comfort of your very own home. As long as you have a computer that is connected to the Internet you are in business. You can begin trading with as little as 300 dollars. I will show you how to turn this 300 dollars into some serious money in no time at all. This should be a lot easier to do given the advantages that you know the 4x market has over its competitors.

The Forex market is traded by some of the world’s richest individuals including Bill Gates and Warren Buffett. You now have access to the same opportunities as they do. What is stopping you from getting on the road to financial freedom. You can start now. You do not have to wait. You have already begun the journey by choosing to educate yourself on the pros of the Forex market.

I personally love the fact that you can trade whenever you want to with the Forex. You see, in the stock trading world you are flagged if you are deemed to be a daytrader. In other words if a trader of stocks chooses to trade every day, he or she must have an account balance of 50,000 dollars to do so. There are no such restrictions when it comes to trading the 4x. If you work at night, you may trade in the daytime. If you work during the day, you may trade at night. You simply trade according to the schedule that works best for you.

I want you to think about money for a moment. Who uses it? The whole world does in some form or another. Another advantage that the Forex market has is that there will always be a need for money. You are simply trading one currency for another in the currency market as the 4x is commonly reffered to. The Forex market is not going anywhere. It is here to stay. The only question is then who will be a part of it. We need money to buy the things we use everyday and so do those who live in the other parts of this world.

Another advantage that 4x has over stocks is the advantage of trading focus. Instead of having to choose between over 4,000 stocks you can deal with 4 main currency pairs. Any good business person knows that focusing on too many things is a recipe for financial disaster and this can hold equally true in the stock market. A stock trader also must grapple with the time issue doing research on all those potential stocks presents. It is also much easier to become familiar with 4 things as opposed to 4,000 things. Focus is the name of the game and 4x trading makes it much easier to do so.

The ball is now in your court. Will you take it and make the decision to win with currency trading? 4x is indeed the winner’s game and those who win consistently know how to play it well.

Much continued success,

The creator of “The 4x Express”

Top Gaming Influencers on YouTube

In YouTube and other social media platforms, any niche and any topic could lead you to earn huge profits just by uploading your videos and sharing it with the world. Every view counts, every like is worth a penny and every share is a traffic booster.

Online games have brought a lot of fun and excitement to our online community. As online games and online community increases from time to time, influencers are making more and more profits too. How does it work?

Here’s a list of Top Gaming Influencers on YouTube and how they started:

Mark Fischbach

Also known as Markiplier, a Hawaii-born army dropped out of college where he studied engineering, to grow his career as a YouTube gaming commentator. Specializing in the horror genre, his videos have been viewed over 7 billion times in five years. His ultimate sign of crossover success? He inked a deal with mega-agency William Morris Endeavor in 2016.

Felix Kjellberg

Also known as PewDiePie is the world’s highest-paid YouTube Influencer in 2016. The Swedish gamer would have topped the Gaming category if not for the nine videos he posted in early 2017, which contains Nazi imagery. Maker Studios, a subsidiary of Disney which is also his multi-channel network partner severed ties with him. He was also booted from YouTube’s Red platform and the Google Preferred program. He continues to make millions from YouTube ads alone while his brand is tarnished.

Evan Fong

A Canadian-born also was known as VanossGaming, to pursue his online career full-time, he dropped out of the University of Pennsylvania. He chats and makes jokes with his friends and collaborators while playing games like Call of Duty or Grand Theft Auto on his YouTube Channel. He began voicing a character in adult cartoon series ‘Paranormal Action Squad’ for YouTube Red in 2016.

Sonja Reid

Also known as Omgitsfirefoxx, she first started live-streaming on gaming platform twitch in 2013. She posts highlights to YouTube where she quickly amassed an impressive following which had lead to partnerships with brands like Audi, Syfy, and Intel.


A British-born YouTube influencer is also known as Lia Wolf which specializes in Call of Duty gameplay videos, also dabbles in cosplay and anime. With her over 5 million subscribers and followers, it had led her to partnerships with the likes of Activision, EA, Ubisoft, and Disney. She said, “I wanted to show that girls can play and be good at video games too.”


His real name is Sean McLoughlin. He first took to YouTube in 2012 and then started posting daily in 2013. He is best known for his energetic and funny commentary. With his videos that have been viewed over 7.2 billion times, he is signed with Revelmode, a subnetwork of Disney’s Maker Studios.


Daniel Middleton is a professional gamer who is known online as DanTDM or The Diamond Minecraft. His mastery of popular family-friendly game Minecraft and his following had set him a Guinness World Record in 2016 for amassing the most views for a dedicated Minecraft channel which is 7.9 billion at the time.


Tom Cassell, the longtime gamer who was the first person to hit 1 million followers on live-streaming platform Twitch way back in 2014. Since then, he has received more than 10 million YouTube subscribers for his playthroughs of game franchises like Halo and Call of Duty. He is now signed to gaming influencer agency 3BlackDot with his fellow list members Sonja Reid and Evan Fong.


Adam Dahlberg, a YouTube veteran at the age of 24. He started as a voice actor for gaming videos back in 2006 and more than a decade on, his main channel focused on the hit kid-friendly game, Minecraft. He boasted over 11 million subscribers and he is now partnered with Amazon, Netflix, and Nintendo and sells merchandise to fans like posters and pillows.

Mari Takahashi

AtomicMari was the only female member of the mega-popular YouTube channel, Smosh Games, until early 2017. She stars in Maricraft, a sub-series with a focus on Minecraft gameplay. The former professional ballerina started hosting her Smosh Pit Weekly way back in 2010. Now, she boasts a social audience of over 2 million and in 2016, she competed as a cast member on the 33rd season of CBS hit called ‘Survivor.’


$20,000 Military Loans With Bad Credit: Real Financing Within Reach

The problem with poor credit scores is not the score itself, but the effect it has on lenders when they consider a loan application. But the good news is that it does not have to convince them to reject it. For military personnel, it is possible to secure even a $20,000 military loan with bad credit.

Normally, the terms such loans come with are far from being the best, but lending to the military prompts many lenders to make certain allowances. There are several reasons why this is that case, with the degree of job security that comes with being a government employee the principal one. Even fast loan approval is available, despite poor credit scores.

As always, however, there are criteria that must be met before qualifying for a military loan. And it is important to note there is no such thing as guaranteed approval.

Why Military Personnel Get the Breaks

It may seem unfair that members of the military have access to a range of better terms and conditions than civilian applicants. But the fact is that granting a $20,000 military loan with bad credit is much less of a risk than granting the same sum to a member of the public. Why? Well, job security is the key reason.

As employees of the US government, there is practically no chance of military personnel suddenly being made redundant, and losing their means of making loan repayments. This is a kind of security that ensures larger loans than normal are within reach, and fast loan approval is hard not to justify.

What is more, because repayments are made via an installment schedule, the chances of defaulting on the loan are practically nil. Military loan repayments are deducted from the monthly pay, and diverted directly to the lender.

How To Qualify

So, what are the criteria that must be satisfied before getting a $20,000 military loan with bad credit becomes a realistic possibility? Well, as always there are basic criteria to meet, relating to age (over 18), nationality (US citizen), and employment status.

Given an applicant must also be a member of the military, those conditions are already confirmed. The only matter at issue is affordability. Once proof of military status is provided, the lender will assess whether repayments can be made by checking the existing debt and expenditure against the monthly income.

The process is not too time consuming, so fast loan approval is possible. However, the debt-to-income ratio is the key element. It provides for no more than 40% of income to be used to repay debts, so the size of the monthly military loan repayment must be within that limit.

Why Is Bad Credit Not Important?

Perhaps it seems unclear why lenders are willing to completely ignore credit history despite the fact an applicant is seeking a $20,000 military loan with bad credit. The fact is that credit scores are not such a big deal.

Normally, they directly affect the interest rate charged, which in turn affects the affordability of a loan. However, given that job security is so high and that repayments are deducted from the paycheck, there is practically no risk involved. Thus, a fast loan approval is viable.

Excluding credit checks from the application assessment process really just removes an unnecessary time-consuming aspect of it. As long as the right boxes are ticked, then even a large military loan can be secured without the benefit of a good credit history.


Benefits of Self Planned Travel

The advent of the internet has really speed up and made self-planned travel more pervasive and easier. These days, travel destination, airlines, hotels, car-rental companies and others advertise their product more aggressively and allow the individual travellers to self-plan their own travels. It is an exciting new way to travel that appeals to more and more people.

The most obvious benefit here is the flexibility in the self-planned travel holidays. With this form of travel, you can customize the self-planned travel right down to the last minute details. Things and sights that travel agents avoid can now be included in the programme, allowing travellers to be more targeted in their travel objectives. Travellers can take up more unconventional destinations and activities and include these into their plans. The weirdest combinations are now possible. You can plan a wine tasting tour together with a skiing tour now. Many people interested in this form of self-planned travels, see this flexibility as a great asset.

Secondly, with the internet, choices become more varied for the self-planned traveller. Through the internet, travellers actually can have more options for flights, hotel, transport, activities and so forth. Very often, these companies are willing to offer personalize service to secure the business of these form of travellers.

The varied choices in travel products and services also mean that there is a high chance of getting the lowest price for the products or service. For example, airlines charge different rates to fly to the same destinations. For the budget conscious self-plan traveller, this lower price range is an important factor. And very often, the travel companies know this price competition is around and are willing to lower their prices or offer special discounts to travellers, resulting in travellers getting higher class products at lower cost.

Very often, self-planned travel involve a fair bit of self-drive vacationing. This offers the travellers a great way to alter or change their travel plans at will. If a town appears interesting and full of excitement, travellers might just extend their stay. If someone mention that just a couple of hundred miles down the road is an exciting place of interest, the travellers might just change their original plan and head for this new place of interest. This form of positive change makes the entire self-planned travel programme more meaningful.

Next,the group size of the self-planned travel can now be up to the travelling group. There is no more such thing as a minimum size group to travel. Small groups are also very possible for people to travel in.

Another key benefit is the improved cultural exchange between the self-planned travellers and the locals. In group tours, extended mingling with the locals are often difficult as time is limited. People are always rushing from destination to destination. But in a self-planned travel programme, travellers can afford to spend more time interacting with the local population, thus gaining more insight into the community. Self-planned travels are often repeated because strong ties are established in previous trips.

Travelling in this form of self-planned travel is indeed gaining popularity as the benefits are substantial, especially with the flexibility, ease of planning and also the cultural exchange. But before anyone head into any self-planned travel, it is important to consider some detail planning first.

Expanding the Limits of Anti-Fragility

What does a marathon runner, a weightlifter, a shop owner who saw his shop burnt down in riots, a bullied schoolchild, an academic failure and one of the many millions unemployed in Southern Europe all have in common? The answer is that they are all in the process of determining whether they are fragile, robust or anti-fragile to circumstance. At a time when national finances are straining under a tidal wave of debt, it is worth considering these people and the qualities they require to succeed in their respective situations. It is also worth considering whether state spending is maximising the utility of every penny spent or merely adding to an ever expanding debt pile. Is it a roadblock to private investment, discouraging bazinga  charitable donations and creating a culture of entitlement or is it providing the infrastructure and social safety net that convinces citizens that whatever their challenges or objectives, they are able to succeed? There has never been a better opportunity to redesign the objectives of the state whilst also reducing annual budget deficits and the growth of government debt. So why do fragility and robustness matter and what does anti-fragility even mean?

In Nassim Nicholas Taleb’s latest book Anti-fragile (2012), Taleb coins the term anti-fragility in which those who take risks and gain experience of challenging or novel situations can profit from unforeseen benefits. We are familiar with the Nietzsche quote, “what doesn’t kill you makes you stronger” but until now we have not had the use of the term anti-fragility. He gives the metaphor of a mystical package being shaken but ultimately benefitting from experiencing the volatility. It is crucially different from the term robust because this implies that the challenging situation has not affected you in either a positive or a negative way. To give an example, a leader or manager in an organisation that has experience of prior crises will commonly be in a stronger position to deal with worse crises in future. Rather than just surviving it without benefit or detriment, the leader or manager has had the opportunity to challenge themselves rather than just coasting through tranquil times. This increases their value to that organisation. There are plenty of examples of anti-fragility in action involving entrepreneurs, inventors and parenting.

It requires a completely different outlook on risk, opportunity, challenging situations and state intervention. Western society has transgressed in the last couple of decades so large parts of it feels entitled not to experience challenges, competition, pain or failure. It has created an elite which thinks it is acceptable to live a sheltered life whilst avoiding paying tax to the societies in which it has profited. It has created sections of the population that will cling tightly to what they believe they deserve from the state rather than what they truly need to make themselves self-sufficient and free to largely support themselves. I think John F Kennedy’s famous quote “Ask not what your country can do for you – ask what you can do for your country” needs to be updated for the current predicament. Ask what you need from your country to help it maximise its tax revenues and help future generations meet their potential. Don’t ask for ever more debt funded spending or debt funded tax reductions.

A nation with high and ever increasing debt levels is fragile to interest rates rising. Regrettably (for much of Europe) a nation with reduced debt levels is anti-fragile and able to invest in its future prosperity whilst others struggle with their debts. That is why you fix the roof when the sun is shining. You do not wait for the rain and then lash out at those who try to fix the roof. There is no choice but to try to do more with less. The only exception must be for crucial infrastructure projects if funded by long term debt that is not exposed to interest rate risk. Do not listen to the dangerous politicians and economists who predict that interest rates will never go up and we can continue on this path of ever increasing debt levels. They are largely people who have no business experience, no understanding of risk and no track record of anticipating previous crises. They and their views are fragile.

In Greek mythology, Icarus ignored his father’s advice which was not to fly too close to the sun when escaping from Crete as his wings were glued on with wax. We are all aware of Icarus’ fate when he flew too close to the sun and the wax started to melt. Debt, like wax is an inanimate object. It does not experience the benefits from anti-fragility and is subject to relatively fixed limits which should not be exceeded. People don’t have to be inanimate objects if they see change, challenges or even crises as opportunities to become anti-fragile. However, future economic growth prospects will suffer the same fate as Icarus if debt is not brought onto a downward trajectory.

So how do you create an anti-fragile society whilst reducing budget deficits and slowing the growth of debt? How do you provide the conditions for “exit velocity” to be generated for the UK economy? All budgets should be examined for potential savings with no budgets ring-fenced. The required tools must be accessible to those who want to learn skills to contribute to economic growth and the generation of tax revenues. Those dependent on state hand-outs must accept that with the exclusion of exceptional cases, there is going to be a squeeze on their incomes and levels of comfort. Those who avoid taxes in societies in which they have generated their profits must be highlighted to consumers so that they can make informed choices with their purchase decisions. Those who pay their taxes and contribute to charities need to be much more open and transparent about their arrangements to flush out those who utilise the first order and second order benefits from UK public services without contributing to them. Opposition politicians need to get serious about the debt challenges facing the UK economy rather than whipping up hysteria at every tax rise and spending cut. Infrastructure projects such as airport expansion and house building need to get off the ground and exporters need to focus on emerging economies with laser like focus. It is not too late to embrace anti-fragility.

In my view, we have breached the limit of anti-fragility with regards unemployment in various countries in Southern Europe. You can only push desperate, hopeless people so far before they lose faith in their governing institutions and look to overturn them. A desperate never ending struggle to provide food, education and shelter for one’s family with no light at the end of the tunnel has no discernible benefits to the country or continent as a whole if there is no opportunity to learn the skills or languages necessary to generate income and growth in future. This is not a charitable point; in a world where innovation is key for global growth, it is crucial that those with different life experiences and thought processes have the opportunity to contribute to global growth. Insights into the motivations and aspirations of people across the wealth spectrum can prove invaluable in the identification of business opportunities. These opportunities are not always identified burrowed in a book or a web based course at home. Anti-fragility makes the case for varied learning methods including more hands-on activities, school trips, interacting with communities, business training and guest speakers.

Governments cannot resolve to find a solution to all problems on their own. Everyone who contributes, utilises or supports the provision of public services has the power to make purchasing decisions based on the information they have at their disposal about corporations. Consumers who buy from corporations that avoid contributing their fair share to public services are effectively impairing their right to complain about tax rises and cutbacks to public services. It is important not to get fooled by spin, obfuscation and muddying the waters. There should be tax breaks for investment but the defences of many of these tax avoidance schemes get destroyed by basic common sense. There have been smarter achievements in finance than creating tax structures to reduce corporation tax pay-outs. If a global corporation has been positioned in a territory for many years where it is “unprofitable” due to large transfers of commission payments and therefore paying minimal corporation tax in that territory, common sense suggests it should be looking to exit that territory. If it is not, you can conclude that it is utilising unethical tax practices and does not make a contribution to the public services it relies upon to do business in that country. In a perfect world, a new simplified global tax code which clamps down on tax havens and tax avoidance schemes would be agreed and implemented but given the past track record of attempted global agreements it is better to proceed assuming this won’t be possible.

The repairing of national finances is a long term challenge and corporations that continue to starve public finances of corporation tax revenues are not appreciating the gravity or the deep-rooted nature of the situation. This is an opportunity for corporations to address a serious reputational risk and expose themselves to the upside of being positioned as a brand that consumers can trust to invest in their communities and not to pile tax liabilities onto the consumer. Taking almost half of a high earners’ pay cheque by the state seems too high to me but it won’t be able to be lowered in the medium term given the perilous state of the national finances. This perilous state has been caused by years of tax avoidance, inefficient uses of public money and banking failures. Profits are made relying on law and order, travel infrastructure and having access to an educated and healthy workforce. Employees and consumers pay their contributions for these benefits accrued, it is entirely justified to ask corporations to make their contribution too.

When a graduate enters the job market, they are relatively fragile until they have a substantial period of employment under their belts. At this point they are more robust to losing their job and are maybe looking to take some risks such as taking on more responsibilities or moving to a different department. Therefore employment law should reflect this. There will always be short sighted people who may want to fire a graduate a few weeks or months into their career; perhaps they are a slow starter, perhaps university didn’t prepare the graduate for the rigours of the job or perhaps they don’t gel with a manager in the firm. However, after a couple of years of poor performance it makes no sense for the firm go through various time consuming and administrative hoops to be able to move the employee on without fear of legal action. The shock of losing their job can spur them to look more closely at what they need to do to succeed in their careers. They may learn a new skill, a new language or choose to move to a region in the world where there are vacancies. So the experience can later be seen as an episode of anti-fragility in action.

However, periods of stability when available are generally a public good and should be taken advantage of. I am not advocating throwing the (fragile) baby out with the bathwater. Taleb studies in seclusion and wouldn’t benefit from a brick getting thrown into his window on a regular basis. Financial crises that take more than a decade to recover from also cannot be seen to be beneficial. The greatest achievements which have succeeded in meeting the greatest challenges have taken long periods of time and continuous effort. During periods of market stability, governments with high debt levels should be straining to get their finances in order. Instead complacency creeps in whilst markets are stable with governments getting into the habit of only reactively responding to jumps in market volatility.

Regulators are rightly concerned about systemically important financial institutions that rely on implicit taxpayer support and are so large that risks are concealed giving the appearance of pseudo-stability. However, regulators and credit rating agencies are not best placed to dictate which investment risks all institutions should take through risk weightings and complex formulae to calculate capital requirements. The general public do not seem to be aware of the hundreds of pages of regulations that the financial sector was subject to in the run up to the financial crisis ultimately paid for by consumers and investors and creating a system that generated the biggest collapse in generations. The solution is not to pile on hundreds more pages of regulation creating an even greater barrier to entry and resulting in ever larger financial institutions. Regulators should not be imposing business plans on nimble start-ups and SMEs who can be wound up without causing systemic disruption.

There is a philosophical argument on reflexivity which revolves around the fact that some individuals see themselves as being managed by their environment whilst others see themselves managing their environment. In reality it is a two way street with billions of actions and reactions occurring every second. In a two way street, every individual has the power to have an impact on others’ actions and reactions. In Baz Luhrmann’s song Everybody’s Free (To Wear Sunscreen) he advises to “do one thing every day that scares you”. Let’s expand the limits of society to make it both big and anti-fragile.


What Are The Causes Of Brain Cancer?

Here, I am going to describe the most common causes of Brian Cancer. As if you know the causes early, you can take proper precautions to live far away from Brain Cancer.

1. Deletion of Gene Causes Brain cancer: The deletion of a gene, normally present on chromosome 14, may cause cancer in brain, which is the most common, malignant type of brain cancer. Recently, the Researchers of Stanford University School of Medicine has exposed that the deletion of this gene, promote tumor development and grow resistance to therapy. This is frequently occurs in one out of every four cases of Brain cancer.

2. Heredity-An Important Cause: Risk of suffering from brain cancer is known to increase if a person has a family history of cancer. Cancer in brain often occurs with members of the same family, so heredity could be a cause of this.

3. Abnormal Cell Mutation: Primary brain tumors begin when mutations occur in normal cells within their DNA. Mutation may allow cells growth and divisions at increased rate, and to continue to living, when the healthy cells would die. As a result, a mass of abnormal cells occurs, which forms a tumor.

4. Uncontrollable Cell Growth in Brain Most Often Causes Brain Tumor (Brain cancer): Our brain has many different kinds of cells and each with a different function. If, in any case, these cells inside the brain begin to grow up uncontrollably, then this will surely lead to a tumor.

5. A Benign Brain Tumor may not be cancerous, but Malignant tumor could be easily Cancerous: A tumor in the brain may or may not be malignant. If benign, a tumor stays its own place, where it starts, though it can grow up very large, and put pressure on crucial areas. In case of a malignant brain tumor which has the ability to spread, and cause cancer..

6. Cancer, that begins elsewhere, of the body, spreads to the brain- Cancer can develop in the brain (Primary cancer) or may developed by spread up of other cancer that previously affects the body. If, any other part of the body has any type of cancer, and then there is a great possibility of occurring cancer in brain due to spreading from the infected part of the body. This is the Secondary (metastatic) brain tumor. The Cancers of the breast, lung, skin, or blood (leukemia or lymphoma) can also be spread up (metastasize) to the brain.


What About Indoor GPS When Satellite Reception Is Impossible?

Ever notice when you enter a tunnel in your car that your satellite radio and GPS cuts out, often your cellular smart phone connection too, not that you are supposed to be using it while driving anyway – I am just saying – surely you’ve noticed this. Some tunnels now have satellite radio repeaters such as the Big Dig in Boston, or the Baltimore Freeway tunnel under the river. Bart Trains in San Francisco also have repeaters for cellular phones and they have WiFi too, but what about GPS? Well, maybe scientists have figured that out too?

There was an interesting piece in MIT Technology Review published on October 9, 2013 titled; ” A Cure for Urban GPS: a 3-D Antenna – GPS readings in cities and indoors can be terrible. One startup has found a novel solution,” by Tom Simonite which stated;

“A new antenna design being tested by the U.S. Air Force could make GPS significantly more reliable and able to function in dense urban areas where GPS accuracy is weak. It might even allow the technology to work indoors in some cases. Good GPS readings are hard to get in cities because of the multipath phenomenon: signals from positioning satellites bounce off buildings and other structures. That confuses GPS receivers, which calculate their location by knowing exactly how long it took for signals to arrive from satellites overhead.”

When I read that, I thought to myself; My gosh, I was just talking about this very issue three days ago with a Scientist formerly with JPL working with the launching of communication satellites, he retired many years ago, but we both noted the challenges with GPS indoors and the need for that technology – there was also an interesting piece in the Science News today about using it in the mining industry – which is a perfect application for it as well. Also robotic factories – the future is coming are you ready?

How about underground parking or parking structures in big buildings? What about in big stadiums and airports? Where the hell am I? “You are here” says your smart phone! Ever been to the Smithsonian, Disneyland or some other huge place? Can you immediately see why we need all this technology? Which was is North, what are my coordinates, and can I use the Google Earth feature street view to see where the hell I am going? Yes, all this will be possible, and it’s time we take this technology and it’s obvious applications and put it to good use. Indeed, I ask you as a technology buff, to please consider all this and think on it.


How to Find the Best Digital Marketing Agency

In order to find the best digital marketing agency, first, we need to understand “what is digital marketing”, “will digital marketing benefit your business” and answer the question “how do I get more leads for my business?” – which should be the purpose of any marketing.

What is a Digital Marketing Agency?
The dictionary definition of Digital marketing is the marketing of products or services using digital technologies, onlyfreedommatters  mainly on the internet, but also including mobile phones, display advertising, and any other digital medium. So simple to summarise in one sentence, yet it can be a complicated process to get right and to ensure that all of your digital marketing is working together, not as silo activities. This is where the expertise and experience of the best digital marketing agencies can be hugely beneficial.

Traditional advertising, newspapers and paper directories, such as Yellow Pages, are increasingly less effective for businesses. Whilst a few years ago people would go to a computer to search for a product or service, nowadays people are connected to the internet all day, every day and “live online”. Looking for information, a product or service is as quick and simple as searching on a laptop or computer at work or picking up their mobile telephone or tablet. Digital marketing focuses on getting your information, products and services in front of people when they are looking online. The best digital agencies understand the buying process of your products and services and ensure that your information is prominent to the potential customer at the appropriate time. In the digital marketing world, the various stages of the buying process i.e. research, consideration and purchase are called “micro-moments” and the very best digital marketing agency will present the relevant information, service or product at the targeted time in the buying process.

Whilst some digital marketing agencies will also create and manage traditional advertising or business marketing, such as newspaper advertising, specialist digital marketing agencies will concentrate on online marketing as opposed to “marketing companies” who commonly concentrate on TV, radio and print marketing.

Regardless if your business is business-to-business (B2B) or business-to-consumer (B2C), digital marketing can be a fast, often instant, and reliable way of getting leads into your business and driving up revenue. The very best digital marketing agencies will manage all of the digital advertising based on return on investment (ROI) ensuring the leads generated are at a cost that makes business sense and increases profit levels. Digital marketing will benefit your business and answers the question “how do I get more leads for my business”?

Digital marketing, sometimes referred to as website marketing, can be broken down into a number of important features and services:

SEO Services
Search engine optimisation, most commonly abbreviated to “SEO”, is the process of getting your website found on search engines like Google when people make a search relevant to your business, services or products.

Regardless if your website is e-Commerce or selling services it will drive leads and sales into your business if it is found for the search terms people use (often referred to as “keywords”) to look for them in Google.

SEO requires experience and understanding of how Google reads your website. What messages and information you want Google to read for a webpage or website and knowing where to place that information so search engines can find it. A good SEO company will have a proven track record of ranking websites high in the search results.

SEO works best when the proven methods of obtaining rankings are applied in conjunction with latest trends that are driving traffic. An example of this is the “near me” phenomenon, which has seen a 150% growth in the last 12 months, where mobile phone users are adding “near me” to their search query i.e. “SEO Company near me”. These customers are looking to buy and buy from a local service or product supplier.

Although SEO can be a stand-alone service, it is most effective when combined with PPC, social media and reputation marketing. SEO is also the cornerstone of effective PPC, social media and reputation management campaigns.

Pay Per Click
Pay Per Click (PPC) often referred to as “Google Advertising” or “online advertising” is where you position adverts at the top of the search results for specific search terms. These search terms can be the words people use when in the “research” phase of making a purchase or targeted at the “buying keywords” when potential customers are looking to buy.

Although your advert, depending on your budget, can be shown every time a search is made, you only pay when an internet user clicks on your advert and is taken to your website or calls you direct from the search results page meaning you only pay when you get a click from a potential customer hence the name for this form of marketing of Pay Per Click (often abbreviated to PPC).

How much you pay for each click is determined by a few factors. The “cost per click” (abbreviated to CPC) is determined by the quality and relevancy of the advert to the search term being used and the relevancy of the page on your website that the potential customer land on. These factors contribute to your overall “quality score”. The higher your quality score, the less you pay per click and less you pay per lead into your business.

In the UK, Google has the vast majority of search traffic and most of your budget should be placed their, however, you will not want to miss the smaller, yet still considerable potential for customers from search engines like Microsoft’s Bing platform, and a small part of the budget should be allocated to other search engines. Also, the very best PPC management companies will also discuss spreading your PPC budget over a number of campaigns aimed at different parts of the customer journey. A small part of the budget should be allocated to the research stage of the buying process when people are using broad search terms to find information, a small part of the budget when people are searching for yours, your competitors or market leaders company name. The majority of the budget when potential customers are using search terms directly related to making a purchase and lastly, a small part of the budget to re-market (show your advertising to people who have shown an interest in your services or products by visiting your website) to capture and drive up conversions from the customers previously advertised too.

The best PPC Agency will be a Google Premier Partner. A Google Premier Partner status indicates that the company has a proven track record in delivering high-quality campaigns, which generate good competitive/low CPC’s and deliver high and positive ROI’s. The very best PPC agency will have a robust PPC management process in place to quickly react and capitalise on changes in the PPC campaigns of your competitors.

Unlike SEO, that can take some time to be fully effective, Pay Per Click is instant in the fact that as soon as your campaigns are live they can be generating leads for your business.

PPC is highly effective when carried out in unison with SEO. A well-optimised website will improve the quality score of your Google advertising campaigns resulting in a reduced “cost per click” meaning you get more leads for your budget.

Social Media Marketing
Social Media platforms such as Facebook and Twitter are now legitimate places for a business to attract leads. Facebook has over 38 MILLION active and regular users in the UK and the number is anticipated to rise to over 42 MILLION by 2020. Regardless if your business sells to consumers or other businesses, your potential customers are on Facebook and using it often.

Facebook is excellent at raising awareness during the customers “research” stage, reminding them of your services or products during the “consideration” stage and putting your specific products in front of potential customers at the “buying” stage. With such a large audience and the flexibility to target customers throughout the buying process, Facebook can be a good avenue to generate leads and sales and to deliver a great return on investment.

A good digital marketing agency will have a proven track record in delivering highly effective Facebook advertising campaigns. The very best digital marketing agencies will be able to demonstrate the conversion rate and cost per lead of your social media marketing.

Again, social media marketing and specifically Facebook marketing can be carried out as a stand-alone activity however it works so much better when combined with SEO and/or PPC. When a potential customer visits your website their computer is marked as having visited. This then allows you to target the user of that computer, who has shown an interest in your products or services.

Reputation Management
When considering making a purchase, a potential customer will scour the internet to find feedback and reviews from previous customers. Your online marketing and sales can live or die by the reviews for your business, services or products. Ensuring that positive reviews are easy to find and that any negative feedback is managed well, can be a huge benefit to your conversion rate.

Digital marketing companies call this “reputation management” or “online reputation management” however, in reality, it is creating systems to generate customer reviews and customer feedback ensuing positive customer satisfaction is captured and easy to find for potential customers.

Many businesses are concerned with allowing the public the ability to openly provide feedback. You cannot please all of the people all of the time, and companies worry that a bad review will have a negative impact on their business. Firstly, if someone is determined to leave a bad review for your business they will find a platform to do so and there are 1000’s of platforms to choose from. It is better to have control of where customers are encouraged to leave a review. Secondly, a poor or bad review, if managed well, can be a positive for your business. Engaging with a bad review highlights that you care about feedback and subsequently, you care about your customers. One well managed bad review can be as good for your business ten good reviews.

A good digital marketing company will use one of the handful of recognised review platform and provide the tools and means of allowing you to capture, manage and respond to customer reviews.