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Dating Service Algorithms: How They Find a Match For You

Woman using Dating App

Do you know what is the biggest plus of modern technology? It’s that you and I do not need to understand how it works in order to use it. But you must admit that sometimes you want to understand how something works. For example, how a small smartphone can easily transfer and receive gigabytes of data, how a Blu-ray disc works, or how dating sites and apps are sometimes so good at finding candidates for relationships.

It’s the principles of dating services that we want to focus on. Believe us, this topic is much more interesting than it might seem at first glance. But to start with, here’s a little history.

In 1995, a small group of enthusiasts from Harvard University created the world’s first computer-based dating service, Match. It was very different from what we now mean by dating services. People paid three dollars, received a questionnaire, and answered a series of questions. Then these answers were entered into the computer, after which the system selected potentially compatible people based on them.

Of course, Match was hardly a convenient, fast and intuitive service. But it did work, and that’s the main thing. More importantly, its basic principle has essentially been incorporated into the work of many modern dating sites and applications. Regardless, in the following years, dating services algorithms evolved massively.

How dating sites look for the perfect match for you

Perhaps it is best to consider the current pair selection algorithms using examples of specific dating services. We should probably start with Tinder — the most popular dating app in the world. Tinder’s basic principles build on the usual swipe and location mechanics. In terms of intelligent pair selection, this is the most advanced platform. But the rating is more complicated. For beginners, the system actively offers partners from the Super Hot section, and also places them higher in the ratings. The reason is simple — the desire to engage as many new users as possible. And “oldies” have to pay for premium features to find really promising acquaintances. Many even advise users to periodically delete their account and start a new one in order to get a higher rating at least for a while.

Badoo and Mamba, despite the general similarity to Tinder, are slightly more honest with users. They have not yet made attempts to lower the rating of users in order to impose paid functions. Matching algorithms here are simple, but quite effective. You specify a number of parameters by which the system will try to find the ideal applicants for dating: 

  • Gender and age
  • Location
  • Interests
  • Goal of dating

It is the goals, by the way, that become the decisive factor. If they match, Badoo and Mamba will offer the chance to start chatting. If not, interaction will not take place. Today these sites are more reminiscent of social networks than classic dating sites and applications. Here you can show attraction, send text messages, connect other social networks, etc. In general, it’s convenient, but every year the sites become more and more cumbersome. 

Remember at the beginning of this article we said that the 1995 Match algorithm is used by many modern dating sites? One of the most striking examples of this is OkCupid. The principle is similar: you answer the questions in the questionnaire, the system analyzes your answers and, based on them, selects a potential pair. However, everything is much more interesting and more complicated. If you are short on time, there are 10 basic questions you can answer. But for the most accurate selection of candidates, it is worth paying more attention to the full questionnaire. It contains as many as 500 questions. The more honest answers you give, the more accurately the system will find potential partners. Also, you can set the degree of importance of a particular issue — this also helps the algorithm. As a result, OkCupid will select a list of candidates for you, at the top of which there will be those who are 90% likely to suit you.

Compared to other sites and applications, the Hinge platform stands out quite strongly. It’s all about the pair search technology that the developers used. It is based on the algorithm by David Gale and Lloyd Shapley, created back in 1962. Its point is that for any equal number of men and women, they will all be able to find a pair for a happy marriage. The Gail-Shapley algorithm has been described on the Web several times. If you are interested in this topic, we advise you to search for it — there are many interesting things. The developers of Tinder and OkCupid also claim to use the same algorithm, but objectively speaking, it can be traced only in Hinge.

Why all algorithms make mistakes

Sometimes dating sites and apps manage to find someone with whom you can develop a strong relationship. But not always. What’s the reason for such mistakes?

  1. Imperfection of the algorithms themselves. Even the Nobel Prize-winning Gale-Shapley algorithm is not perfect. And even more simple versions so much less.
  2. Inaccuracies in setting goals by users themselves. A person does not always know what they want, so even the best algorithm may not find the perfect match for them.
  3. Errors, lies and omissions. Not all users honestly answer questionnaires and fill out profiles with accurate information about themselves. In this case, blaming algorithms for imperfection is illogical — they simply do not know what kind of person you want.

Of course, in the future, all these algorithms will be improved and new ones will certainly appear. But you shouldn’t rely on them 100% anyway. Think of them as helpers, not providers.

Sometimes it’s worth trusting to randomness

Errors in the operation of algorithms, regardless of their cause, can greatly spoil your impression of the very format of online dating. Sometimes you want everything to be as simple, understandable and convenient as possible. And in this case, chat roulettes become the best alternative to dating sites and applications.

The operation of chat roulette is based on full or almost complete randomness. There are no complex algorithms and incomprehensible technologies here. Just everything you need to set very accurate search parameters: 

  • Gender and location
  • List of interests
  • Communication language, etc.

There are also chat roulette sites where each user has a karma rating, depending on which the system selects chat partners for them. It’s also a pretty efficient algorithm, albeit a very simple one.

If you trust randomness more than algorithms, be sure to try live video chat with girls. We recommend exploring VideoChat US, Chatrandom, Chatspin, Omegle and Emeraldchat. But if you want, you can try alternative options. There are more than enough of them around today. And each with its own unique characteristics.

Finally, we want to say the following. As perfect as the matching algorithms on dating sites and apps are, don’t rely on them alone. Sometimes a completely random online acquaintance can develop into a strong relationship. And long searches on dating sites and applications, even with the most advanced algorithms, often give absolutely no results.

Try different options, experiment, look for interesting people on different sites and get acquainted with pleasure. We wish you only pleasant meetings and wonderful people on the web.

The Relationship Between Project Management and Productivity

project management

When it comes to project management, one of the key concerns that any project manager will have is productivity. In fact, increasing productivity is always an important consideration for any project manager, whether they have been working in the field for years or are newly qualified. Being able to deliver the required results to clients and stakeholders is something that every project manager wants to achieve.

Productivity is often used as a measure of how well things are progressing, and whether a team are operating efficiently. As is to be expected, just like with other areas of leadership, the levels of productivity in a team will begin when a project manager themselves begins to improve at what they do.

As a project manager it is therefore not enough to simply look at how you can assist you team in becoming more productive in the workplace, it is also important to consider way in which you can also increase your own personal productivity.

How can you increase your own productivity?

Prioritise

The type of person who usually ends up being a project manager is someone who is good at getting things done. The problem is once you become a project manager there are even more things to do, and no more time to do them in. Prioritising is vital if you want to keep on top of everything. To this end, one simple project management tool that you can use to help you achieve this is the Eisenhower Matrix.

This is a method that can help you to categorise your tasks based on their levels of importance and urgency, then you can prioritise them. There are four categories your tasks may fall into:

  • Urgent and important
  • Not urgent, but important
  • Not important, but urgent
  • Not urgent and not important

Drawing a simple chart to visualise and using the Eisenhower Method regularly will help you to make prioritising something you do as a matter of course on any project you undertake.

Strategically schedule your day

Whether you are one of those people who arrive at work full of energy or someone who needs a strong cup of coffee before you can begin it is important to think about when you are most productive at work. Schedule the most difficult tasks on your list for this period. Save the more basic tasks for that period in the day when you are not quite as productive. For some, this may be first thing in the morning, for others, a post lunch slump.

Delegate

One of the most important things any project manager needs to remember is that they are, only human, just like the rest of the team. This means that it is simply not possible to do everything. Learning to delegate some of the less important tasks can be tricky but this is a skill that you need to learn, and preferably sooner rather than later. When you don’t delegate your workload, it may be more than one person can actually handle and trying to keep on top of this can easily lead to burn out.

Avoid distractions

Distractions are all around us and like it or not it is these distractions, no matter how small they are, that are destroying our productivity. Put your mobile on silent, and turn off your notifications for your emails, remove the basic distractions that can destroy your focus for the work that you need to do.

Don’t multitask

If you always thought multitasking was the way to go with a heavy workload then think again. Scientific research has actually found that multitasking, switching quickly between a number of different tasks, can actually take more time and energy that just working on one task and then moving to the next. So create your list of work that needs to be done, in order of importance, and work through it one task at a time.

Take breaks

Taking breaks, particularly when you feel snowed under, may seem counterproductive but again there has been significant research in this area that shows that taking breaks can in fact help to increase productivity levels. Regular breaks can help with both mental and physical health and give you a chance to boost your energy for whatever task you are tackling.

Of course if you are in the “flow” of a particular piece of work it is wise to wait until you have finished before you take a break. A break can be as simple as grabbing a coffee, taking a short walk, or even doing another task like tidying your desk.

Reduce your number of meetings

There is no doubt that meetings are a vital necessity when it comes to project management however there is a good deal of thought around the topic “meetings that could have been emails.” Not every meeting is actually necessary so before you call a meeting ask yourself, could this be dealt with in a series of emails that would save every ones time?

That isn’t to say that you shouldn’t schedule any meetings, in fact there are some things that can really only be dealt with in a meeting type setting. Some people actually prefer face to face meetings as well, so it is worth considering this when deciding what to deal with via email and what to deal with as an in person meeting.

So having looked at a number of ways in which a project manager themselves can increase their own productivity with just a few relatively simple and easy to make changes to the everyday routine it is important to also look at how a project manager can also help their team to increase productivity. Remember it is often easier to lead by example so a good project manager will make sure that they have looked at their own working practises.

How can you increase the productivity of your team?

Goals should be realistic

Just as goals are a vital part of the workload for a project manager in terms of being productive, they are also essential for members of a team. Every single individual who is involved in a project needs goals, and they need to be good ones. When there is a lack of well defined goals in place for a project this can be a major problem that will contribute to failure of the project.

Take time before a project gets underway to sit down and work out what the goals should be. They need to be realistic, measurable and above all clear. In order to do this you may find that asking the following questions can be incredibly helpful:

  • Is this goal achievable with the time, resources, and project management skills that are available to us – in other words are we being realistic?
  • Do we understand exactly what is being asked of us? – is the information that we have clear?
  • Are there quantifiable indicators that we can use to judge our success in respect of each goal? – is this measurable?

Any goals that you put in place for a team will of course be different to those that you set for yourself and that is understandable. When you are preparing your project plan you need to remember to ask your team for their input. Ask them what their goals should be not just as individuals but also as a team.

Monitor progress

When it comes to the planning of any project it is really important to consider those all important Key Performance Indicators (KPI’s), these should be in the form of

  • budgets
  • project timelines
  • quality expectations

It is important to check on your KPI’s over the course of your project, and also to keep track on the progress of the project. This will allow you to catch any of those issues that can cause problems to your productivity levels and give you the chance to make any necessary corrections quickly. Good reporting tools can help with this, but it is important to make sure everyone knows how to use them for maximum effectiveness. W

When you reach a KPI it is important to celebrate this with your team, it will alert everyone to the fact that you have achieved one of your goals but perhaps more importantly it will help to show the members of the team that they are appreciated.

Standing meetings

We have already touched on meetings, and it is certainly that case that not all meetings are necessary however if you do need to have a meeting it is worth considering the “standing meeting.” As the name suggests this is a meeting where everyone is standing up, you might sometimes here them referred to as “stand-ups.”

As can be expected when everyone is standing up for a meeting, and not slumped in a chair, there is less likely hood of time being wasted. People will be more to the point, issued resolved and everyone free to return to their desks much quicker. In short if you don’t want a lengthy meeting, but a meeting is necessary, consider making it a more productive stand-up.

A healthy work environment

A positive work environment can help to increase productivity in a number of different ways. When team members are feeling happy, they are more likely to take risks, calculated ones, with their work, think creatively and be more organised at work. They are also more likely to support the other members of the team.

A healthy, happy, work environment is one that can actively boost productivity. Happy people enjoy what they are doing and when you enjoy your work you want to succeed which has a positive effect on the entire team and adds up to an increase in overall productivity.

Having the right tools

If you don’t have the right tools for the job, it can make things much harder, and this can have a significant impact on productivity. You wouldn’t try to cut a tree down with a butter knife so don’t expect your team to work without the right project management tools in place. This means having the right software, but more importantly ensuring that everyone actually knows how to use it properly. There is nothing worse, and more frustrating than promoting something as being really helpful but then now making sure people know how it can be helpful. Frustration can really slow productivity down.

The bottom line

There are plenty of things that you can do as a project manager to help improve the productivity of your team. However, the biggest thing that you can do to help productivity levels is communicate with your team, listen to them, and promote a happy working environment. After all, when people are happy, they stay in their roles. Happy people are more productive, so don’t spread the resources you have too thin and remember that with the right planning you can actually achieve more by doing less.

About the Author

Paul Naybour is the Business Development Director for Parallel Project Training. He is a well-known speaker in the APM Branch Network, a Project Management Trainer and Consultant. He also runs the PM news site Project Accelerator

5 Bets You Should Consider When You’re Gambling for the First Time

Gambling-Online

As casinos are becoming more and more popular, you might feel tempted to test your odds. However, if you aren’t careful enough, you may easily get caught up in the thrill of the possible win and make some irresponsible decisions. As a result, you may lose much more than you were prepared for. Remember to always gamble responsibly, set a budget for yourself, and know when to stop. And if you need to withdraw more cash to continue playing, make sure to choose a reliable ATM nearby, just like PickATM.

If it is your first venture into the world of casinos, it might be wise to start slowly. Give yourself time to get used to the atmosphere and the rules of the place. In the beginning, you might want to make some safe bets that aren’t as expensive to enter or have a higher chance of winning. Only when you find your footing can you move to riskier games and play for high stakes.

If you don’t know what games to choose, we suggest purchasing a lottery ticket, playing roulette and blackjack, joining the raffle, or betting on a sporting event. By participating in those, you’ll be able to get the feel of the gambling experience without making significant losses. In this article, you’ll read about safe bets and how they work.

The Lottery

Joining the lottery is probably the safest bet you can ever make. Many people consider it to be their favorite game. The reason for it is simple — it has a relatively low cost to enter. You can buy a ticket for as little as $1 and win thousands. Thus, if you’re going to play it safe, don’t hesitate to take advantage of this option.

The most popular lottery games are PowerBall, Mega Millions, Cash4Life, or Fantasy 5. The bets are usually made on numbers, but you can also bet on different symbols. You can buy a ticket at any participating shop, or you can use your smartphone to get your lottery tickets online. For example, you can play online with TheLotter, for checking how to do it you can take a look at the review about TheLotter.

Roulette

The game of roulette is straightforward and doesn’t take too much time to understand. You don’t need any special skills or knowledge to play. Just place your chips on the area where you think the ball will land and wait for it to happen. You can play online roulette or visit your local land-based casino.

Roulette has attracted millions of players throughout its existence. Nonetheless, it is worth mentioning that if you play it long enough, the casino will always come out ahead.

Raffle

Raffles are a great way to test your luck if you want to place a safe bet. They are like lotteries as you pay a small price to enter and then wait for your winning ticket to be picked up. The main difference between the two is that the raffle always has a winner.

You can win a new car by betting on a raffle, but it’s unlikely that you will win such a valuable prize unless you’re incredibly fortunate. Getting involved in a raffle isn’t hard at all — you just have to visit the cashier and buy some tickets for a specific event. Then, wait until the draw is made and hope for the best!

Blackjack

Blackjack is a game that offers you better odds than most other casino games. It is trendy among casino players because it is easy to learn and fun to play. The game has simple rules that apply to every hand, which makes it so appealing for beginners. Blackjack is always among the top casinos online offers among the other games like poker, slots and roulette.

At the beginning of the game, each player is dealt two cards. Your goal is to get as close to 21 points as possible without going over. There are many variations of this game, but they all have the same purpose — to get as close to 21 points as possible without going over.

Sports Betting

Sports betting is another great option if you are looking for safe bets. It is the easiest way to have some fun while watching your favorite team play. You can enjoy the game even if you don’t have any money to bet on it, but if you do, there are numerous options available.

For example, you can choose between single-game and multi-game parlays. The first one is safer because betting on just one outcome is more reliable. On the other hand, the latter gives you much higher odds, but it’s also harder to win.

Before placing your bet, you need to know the odds for each team or individual that’s competing in a particular event or sport. If you have that information, you can estimate how much you might be able to win if you bet on a particular side. If your hunch is correct and you’re lucky enough to win, your earnings will be multiplied.

Conclusion

If you want to start small and safe, you should definitely try your luck with these games. From the lottery to blackjack — they are reliable and don’t require any special knowledge or skills to play. Take your time to analyze the odds of each game and find out what will suit your needs best.

The most important thing is to find a game that will keep you interested. If you enjoy it, then you’ll probably come back and play it more often. That way, you’ll be able to get the most out of every gambling session. Good luck, and have fun placing your bets!

Looking for a Short-Term Loan? Here are Your Options

Loan

Short-term loans can be a helpful way to cover unexpected expenses or tide you over until your next payday. However, it’s essential to understand the different types of short-term loans available to you before deciding which one is right for you. There are several reasons why you might need a short-term loan. Perhaps you need to cover an unexpected expense, or maybe you’re looking for a way to tide you over until your next paycheck. Whatever the reason, several different short-term loan options are available to you.

In this article, we’ll take a look at some of the most popular options for short-term loans. We’ll also discuss the pros and cons of each option so that you can make an informed decision about which one is right for you.

Most Common Types Of Short-Term Loans

The advantage of taking out a short-term loan is that you typically don’t have to provide collateral or submit to a credit check. As long as you are employed, have an active checking account, and are over 18 years of age, you’ll most likely qualify for a short-term loan.

Here’s a list of the most common types of short-term loans:

1. Payday Loans

The most common type of short-term loan is the payday loan. This type of loan is associated with the location of a payday loan lender for whom the borrower is directly employed or through another third party. Because these loans are typically issued in small amounts (less than $1000), not all lenders offer them on their website, but they can be found at retail outlets or online. In addition, some are associated with a specific date, which usually is your next payday. The lender will give you an advance on your paycheck and then hold back the amount you owe until that date. You’ll be responsible for paying interest on the outstanding balance. Still, many people find this option preferable over bouncing checks or getting further into debt by using credit cards.

2. Personal Loans

Personal loans are an excellent option for borrowers with good credit. With a personal loan, you can borrow a more significant amount of money and have more time to repay it. However, to qualify for a personal loan, you’ll need an active checking account and proof of steady income. In most cases, lenders will also require that you have been employed at the same job for over three months before they’ll give you a personal loan.

The downside of personal loans is that they tend to have higher interest rates than secured loans. Additionally, if you miss a payment or default on a loan, you could be facing some significant penalties.

3. Car Title Loans

Car title loans are a popular option for borrowers who need to quickly borrow a large amount of money. With a car title loan, you can borrow up to $10,000 using your car as collateral. The downside of car title loans is that the interest rates are typically very high, and you’ll be responsible for paying back the entire loan plus interest and fees within a short period. Payday lenders or pawn shops typically offer car title loans. They tend to have lower interest rates than unsecured loans, but they also come with a higher risk of defaulting on the loan. If you can’t repay the loan, the lender could repossess your car. Using the equity that you have in your vehicle is one of the fastest ways for you to get money, Nevada title loans are easy to qualify for as long as you have the equity value.

4. Title Pawns

Title pawns are similar to car title loans, but they typically only allow you to borrow smaller amounts of money. Title pawns are offered through dealerships instead of banks or payday lenders, and the lender doesn’t seize your car if you default on the loan. However, interest rates for title pawns tend to be very high. The upside is that these loans typically have low-interest rates and fees. Plus, if you can repay the loan ahead of time, you get your car back with no hassles or strings attached.

5. Online Personal Loans [WITH COLLATERAL]

Online personal loans are an excellent option for borrowers who need to quickly borrow a large amount of money. These loans are offered through online lenders, and in most cases, you can get the cash you need within 24 hours. However, like with traditional personal loans, online personal loans tend to have higher interest rates than secured ones. Also, if you can’t repay your loan on time, you could be facing steep penalties.

6. Online Payday Loans [WITH COLLATERAL]

Online payday loans can be an excellent option for people looking for a quick cash solution without visiting a physical storefront location like payday loan shops or pawn shops. They’re also a perfect choice for people who need to borrow money but don’t own any tangible assets that they can use to secure the loan (in other words, people who don’t own cars).

The downside is that online payday loans tend to have high-interest rates and fees. If you can’t repay the loan on time, the lender could roll the cost of your loan over into your next paycheck, which will result in even more debt.

7. Credit Cards

If you’re looking for a short-term loan, and you have good credit, a credit card could be the perfect option for you. Credit cards typically have lower interest rates than other types of loans, and they also offer borrowers the flexibility to repay the loan over a more extended time.

However, using a credit card for a short-term loan can be risky. If you don’t repay the loan on time, you could end up owing a lot of money in interest and penalties. Additionally, if you’re not careful, you could quickly spiral into debt by using your credit card for short-term loans.

8. Home Equity Loans

Home equity loans are an excellent option for borrowers who need to borrow a large amount of money for a big purchase. With a home equity loan, you can borrow up to 100% of the market value of your home, minus any outstanding mortgages against it.

Loans

The downside is that these loans tend to have higher interest rates than other personal loans. In addition, if you don’t repay the loan on time, you could end up losing your house.

When applying for a short-term loan, it’s essential to research and choose the best type of loan for your needs. So you can make sure you’re getting the best deal possible. As you can see, there are various short-term loan options available to you.

The Financial Benefits Of Investing In Cryptocurrencies

investing (1)

Investing in cryptocurrencies is an excellent way to diversify your portfolio and also make some money. It’s important to remember that investing is risky, but the rewards can be worth it. In this blog post, we’re going to discuss how you can invest in crypto without having a ton of risk on your hands.

Diversifying Your Investments

Ven Crypto is a great way to diversify your investments. This means that you are reducing the risk of putting all of your money into one asset, ensuring that if something big happens with bitcoin or Ethereum, it won’t affect other parts of your portfolio completely unawares. Since cryptocurrencies in general have been in an uptrend for some time now, they provide a solid base on which you can build up more complex financial instruments like stocks and bonds without sacrificing too much potential gain.

This is a good way for those who are new to investing, as it allows you to get your feet wet without making any major commitment. You can buy in low using ETH or BTC (or another altcoin), let very little go into fiat currency units like USD if possible, and then watch that investment grow gradually over time while still having some “play money” on hand just in case something goes wrong with crypto at large – because there will always be risks involved! This means you won’t have much skin off your nose even if cryptos take a nosedive tomorrow. For more advanced users and traders, Ven Crypto is also a great tool for arbitrage. Arbitrage means that if the price of BTC goes up on one exchange but down somewhere else, you can buy it cheap at the former and sell high at the latter – thus making an instant profit even without any trading knowledge or expertise. To find the best crypto interest account rates and more information on how and where to invest your money, you should research online. Diversifying your investment portfolio is essential to protecting yourself from risks in the market. When you invest in different assets, you are essentially spreading out your risk among many different types of investments. If one of those investments fails, you still have others that may succeed. This is why it’s important to include a variety of asset types in your portfolio, including cryptocurrencies.

Investing in Low-Risk Cryptocurrencies

When it comes to investing in cryptocurrencies, there are a lot of options out there. You can invest in high-risk coins that have the potential for a big payout, but you also run the risk of losing everything you put in. Alternatively, you can invest in low-risk cryptos that offer less upside potential but come with much lower risks. Here are some of the best low-risk cryptos to consider:

Bitcoin Cash (BCH) is one of the most popular low-risk cryptos and is often considered a safe investment. It was created as a hard fork of Bitcoin and has many of the same features, making it a reliable option for investors. BCH has also been increasing in value over time, making it a good choice for those looking to make money with crypto.

Dash (DASH) is another popular low-risk cryptocurrency and offers many of the same benefits as Bitcoin Cash, including fast transactions and decentralized governance. Dash has also been increasing in value over time and is considered one of the most promising cryptos on the market today. If you’re interested in investing but want something even less risky than BCH or DASH, consider Ethereum Classic (ETC). ETC has made headlines recently because it became available through Coinbase after previously being unavailable to US investors. This makes it much easier to buy into this low-risk coin.

Investing in ICOs

Investing in ICOs can also lead to large financial returns. Many startups that have conducted ICOs have seen their tokens increase in value after they hit the exchanges. This can result in a huge return on investment for those who invest in these tokens early on. However, as with any investment, there is always risk involved when investing in cryptocurrencies. So make sure you do your research before investing in any ICOs.

That being said, if you are looking for a high-risk, high-reward investment opportunity, then investing in ICOs may be right for you. Just make sure you are aware of the risks involved and only invest what you can afford to lose.

Trading Cryptocurrencies

Cryptocurrencies can be traded on a variety of different platforms, including online exchanges and brokerages. When trading cryptocurrencies, it is important to understand the risks involved and to use due diligence when selecting a platform. Cryptocurrencies are highly volatile and can experience large price swings in a short period. As such, traders should always use stop losses to protect their investments.

When trading cryptocurrencies, two basic strategies can be used: long-term investing or day trading. Long-term investors typically buy cryptocurrencies to hold them for months or years. Day traders trade cryptocurrencies over a shorter period, often buying and selling within the same day. Both strategies have their risks and rewards, so it is important to understand the mindset of a trader before choosing which strategy is right for them.

Investing with Long-term Goals

Investing in cryptocurrencies can potentially offer a high return on investment. However, it is always best to invest your money with long-term goals in mind because the cryptocurrency market fluctuates greatly and unpredictably. Participating for short periods could mean that you will miss out on greater opportunities down the road when prices are much higher than they currently are right now.

If you do choose to take part in investing with long-term goals, make sure not to neglect other areas of your life such as work or school. It might be helpful to keep separate bank accounts for saving up funds specifically designated towards adding more money into crypto markets over an extended time. This way if any emergencies arise where you need extra cash quickly then it will not affect your long-term goals.

Tracking Your Investments

Cryptocurrencies are a new and exciting investment, but it’s important to keep track of your investments just like you would with any other type of investment. There are a few different ways to do this. The first way is to use a tracking tool like CoinMarketCap. This website lets you see the current market value of all cryptocurrencies as well as their historical data. This can help see how your investments are performing over time.

Another way to track your investments is through a cryptocurrency wallet. Most wallets have features that let you monitor your balance and recent transactions. This can help you stay on top of your spending and ensure that all of your coins are accounted for. Finally, many exchanges offer to monitor tools as well. This can help see how your investments are doing on a more global scale. It’s important to remember that not all exchanges offer this service, so you may need to use multiple tools to get the most complete picture of your investment portfolio.

cryptocurrency Cryptocurrencies are becoming more and more popular with businesses. Many companies across a wide range of industries have started to accept cryptocurrencies as payment for goods or services provided. In addition, many large corporations such as Microsoft and IBM have started to research how they can utilize blockchain technology in their products or business models.

Start Early: 5 Reasons Why You Should Get Health Insurance as Early as Possible

Healthcare Insurance

Health is wealth, they say, so taking care of your health is one of the most important things you should do as you progress with your life. 

However, with the hectic schedule, social life, and other things you are busy with, our health becomes stuck in the back of our minds. You’re young anyway, so what could go wrong? A lot. Nobody knows when we will get sick, and if you do, you can just take some medicines and get over it. But what if it’s something serious or an accident happens? 

It can lead to unfortunate circumstances. Moreover, you might experience financial struggles when you go to the hospital. Now things would seem dire. Having health insurance is not so bad of an idea after all with all this in mind. 

But should you really get health insurance even if you’re still young? Here are some reasons why you should do so.

Be More Financially Secured

Younger individuals ranging from 20-40s are the most vulnerable people when it comes to their finances. Think about it; you’ll have a lot more dependents and liabilities at this age. These include your parents in retirement age, siblings, your sons and daughters, and probably even critically ill grandparents. 

Of course, this isn’t the case for everyone, but it’s still true. Not only that, some of us even inherit debts that the older generation has incurred. That said, the probability of a young adult having a savings account to tide over any health emergency is too low, and that’s true for most of us.

Therefore, getting health insurance is the way to go when you want to be secure with your finances in case something happens medically. Not only will you and your family be safe from illness because of the tons of screening covered by the insurance, but you’ll also be financially safe. Also, remember that the earlier you buy, the more benefit you’ll gain as the premium is much lower.

It Keeps You Healthy Now to Avoid Issues Later On

People with health insurance tend to go to the hospital very often, not because they are ill or something like that. Because of the dozens of free screenings, they can benefit from health insurance. With these screenings, doctors would most likely catch something very early on, and thus, they can take action against it to prevent it from complications.

This is called preventive care, which provides policyholders screenings like annual checkups, bloodwork, etc. However, the screenings included in the insurance vary from company to company. But you can rest assured that every insurance has its own preventive care. It’s one of the main aspects of health insurance, after all.

No Waiting Period

This might look quite misleading since health insurances have waiting periods before accepting claims. However, if you think about it, because you’re young, you would exhaust this waiting period since you won’t need coverage right away. 

There is a waiting period for many ailments like cataracts, knee replacements, urinary tract stones, arthritis, etc. Most insurance providers declare at least 10-15 ailments on a waiting period. In some cases, individuals who are aged 60 and above have a longer waiting period.

Lock-In Great Rates

When you buy health insurance, the amount of premium you’ll pay for the rest of the duration will be the same, except when you change the coverage. If you buy health insurance at a young age, you’ll lock in much cheaper premiums, and you’ll reduce the total amount you’ll spend on your health insurance. It’s also the same with life insurance, but that’s another topic for another day.

This is because, along with your age, your health is also a determining factor in the amount you’ll pay on your premium. Getting insured before you have health complications later in life will ensure that you won’t pay as much later.

You Can Build Credit

If you’re young and you’re looking to build credit for your financial life, then having insurance is one way to go about it. This is especially true if you’re opting for a permanent policy. 

As the cash value of your policy grows, you’ll be able to borrow against it, which you can pay for and help you build credit. And not only that but the earlier you have health insurance, the more time the cash value of your insurance will grow.

Final Words

Planning early on in life is one way to have a much safer and easier way of living later on. And with health insurance, you’ll be safe both in terms of health and finances. So if you want to protect yourself and your family in terms of health, going for health insurance as early as you can is the way to go.

The Best Ways That You Can Go Green That Are Not Boring

Going-Green

Let’s face it: right now, we should all be taking active steps to do more for the environment. It feels like there has been a news story every day on the latest development on climate change. We know that we are going to be seeing more and more extreme weather events from now on. We know that politicians and business leaders are making big statements about the ways in which they are going to make changes to prevent climate catastrophe. And we know a lot of the ways in which we can make a small difference.

One of the biggest misconceptions about changing our approaches to be more environmentally responsible is that it requires us to make boring decisions. We hear so much about what we need to stop doing, what we need to cut down on, expensive swaps that we need to make. But there is no reason why going green needs to be dull. The truth is that the best and brightest minds in every field are working on more sustainable solutions, and a change in perspective could be just what you need. Here are some of the most exciting ways that you can make greener choices.

Embrace A Plant Based Diet

When it comes to daily habits that we can change which will have a major impact on greenhouse emissions, our meat consumption is up there with the biggest culprits. Anyone who spent the holiday season with their families will tell you that there is always at least one relative who will proudly proclaim that they are never giving up meat, but there are plenty of reasons why it’s a good idea. The environmental impact is certainly one, your health is another (particularly when it comes to red and processed meats), but one of the biggest is that there are so many great plant-based alternatives now. You do not need to sacrifice flavor or enjoyment by going for a veggie or vegan diet. 

Go Electric With Your Next Car

Electric cars have been at the forefront of the push for green for a long time now, but there is still this misconception that an electric car is going to be this purely functional machine. Car manufacturers know that electric is the way of the future, and they have been working on making some amazing machines for the performance enthusiasts out there. There are several different models of amazing electric performance cars on the market and finding the best one for you will require you to be clear on what you want from it exactly. Compare makes it easy for you to search through options, providing a guide that allows you to learn more. It is also important to do your research so that you gather as much information as possible.

Buy Local Where You Can

It has become very easy to buy food and other products that have come from huge distances without really thinking about it. When we are shopping at the supermarket or making purchases online, we often do not think about where our purchases are coming from. But the environmental impact of these decisions can be huge. One of the easiest ways that you can cut down on your individual carbon footprint is to be a bit more careful about where your shopping is coming from. But this does not have to be a chore. Why not head down to your local farmer’s market to find some fresh produce that has been grown nearby? Find out what local stores are near you that source their wares locally and you will find that you are getting much better quality as well as fostering a relationship with local businesses. This is particularly good news for anyone who has been wanting to get into cooking, as you can always ask what your local greengrocer recommends for fresh ingredients and get tips for how to cook particular cuts of meat if you are not quite ready to say goodbye to it just yet. It’s all about moderation and doing what you feel comfortable with.

Discover The Best Kept Secrets Of Your Local Area

Anyone who has filled in one of those surveys to test their carbon footprint knows that one of the biggest culprits is always air travel. We should all be trying to cut down on the amount that we are flying, but this should be an incentive to discover the hidden treasures of our hometowns and the surrounding area. A staycation does not have to mean that you sit on the couch watching TV. Every city, every town has some fascinating local history, and why not think about getting out in the countryside for your next vacation? Put your walking boots on and discover the amazing landscape our nation has to offer.

How Can Getting Into Crypto Improve Your Financial Situation

Financial Situation

With the current bear market in cryptocurrency, many are asking, “What is next?” and “Is it over?” The answers to these questions are much more complex than they appear. One of the biggest questions around crypto right now is the outlook for its future. This post will look at what crypto is, why people invest in it, and if it can ultimately improve your financial situation.

What Are Cryptocurrencies?

Cryptocurrency has quickly become one of the fastest-growing industries globally, and there’s a reason for its popularity. Cryptocurrencies, such as Bitcoin, Litecoin, Ripple, and Ethereum, are digital currencies that any institution doesn’t control. Like cash, a cryptocurrency is a form of virtual money that can be transferred electronically. In fact, options like Bitcoin have become so prevalent that you can even use it to buy things without exchanging them for fiat money. In some cases, you can even purchase Bitcoin using special ATMs. However, it isn’t ideal as the expensive ATM fees make buying it via an exchange far more appealing. For the most part, cryptocurrencies are decentralized, with no central bank or other entity in complete control. This means that no one institution can print new money, nor can anyone institution change the ledger to manipulate the economy. In short, cryptocurrencies are peer-to-peer and decentralized, which means that no single institution has control over them.

Why Have They Become So Popular?

Cryptocurrencies are trending right now. These virtual currencies are being used as a mode of payment, investment, and a value store. Due to their anonymity and security, cryptocurrencies are used as a means of payment. This anonymity coupled with security is the primary reason why cryptocurrencies are becoming popular. However, there are other reasons that people are getting on board with them.

trading

They Are Decentralized

Cryptocurrency is a digital currency that is decentralized, which means that there is no central authority or group that can manipulate it. In the past, people were hesitant to adopt cryptos because they were viewed as gambling. However, with prices increasing exponentially, it has become more mainstream in recent years, and many are becoming familiar with the concept. The decentralized nature makes it easier to transact across borders with almost zero interruption and minimal fees.

Low Transaction Fees

The low transaction costs of crypto are one of the reasons why it is so popular throughout the world. Online payment methods like PayPal usually charge a lot of money when you use them. In general, other cryptocurrencies offer a superior deal due to their extremely low costs. Cryptocurrency is widely viewed as a safe and convenient way of paying online these days, making it a more appealing prospect than fiat currencies.

They Are Seen As A Vision For The Future

Cryptocurrency has been seen as the future of money because it can be used in many ways and has gained popularity worldwide due to its early adoption by tech-savvy users and investors.

Should You Invest In Them?

Cryptocurrency has been around for over ten years now and is becoming a popular investment vehicle for those willing to take on risk and make profits from volatile markets. While cryptocurrencies may not be perfect and have many limitations, they provide innovative ways of transacting online without requiring central banks and governments to regulate money flow. In the past year, there has been an increase in the number of investors looking at cryptocurrencies to diversify their investment portfolios while still earning high returns. Another benefit of investing in cryptocurrency is that it is open-source, which means it could be used for anything from encrypting data to monetizing computing power through mining. Nonetheless, several reasons could make crypto an exciting addition to your portfolio.

They Can Diversify Your Portfolio

Cryptocurrency can be a boon to your portfolio if you know the right way to invest in it. Cryptocurrency is an asset class that has been known to perform well in the last few years, and if you’re looking to diversify your portfolio, then it makes sense to invest in it. Moreover, cryptocurrency has a lot of potential to grow in the future. With increased adoption, the cryptocurrency’s price will increase, making it an attractive investment.

There Are Lots Of Options Available

Depending on your risk tolerance, there are many ways that you can invest. For instance, you can opt to invest in the staple coins such as Bitcoin, Ethereum, and Binance Coin. On the other hand, you can push the boat out a bit and invest in more esoteric options to see if you catch a meme coin wave, as happened with SHIB. 

bitcoin

You Can Still Be An Early Adopter

Although it seems as though the crypto market has been around for some time and that everyone knows about it, relatively few people actually understand what they are, let alone how to invest. This provides you with the opportunity to still be an early adopter, and if you have the stomach to hold for several years, the returns look to be substantial.

Risks Involved

While there are many upsides to investing in crypto, there are some risks involved, as with any form of investment.

The Market Is Volatile

One of the main selling points of cryptocurrencies is the fact that they are unregulated. Because they are decentralized, no one can control them or regulate them. However, many cryptocurrency users have lost money due to volatility in the market. In fact, there have been a lot of cases where people have lost their life savings in cryptocurrencies due to this volatility.

The Industry Is Mostly Unregulated Or Prone To Severe Regulation

At this point in time, the industry is in a peculiar situation because it is both unregulated and highly regulated. Both present pros and cons, but if you live in a location with lax regulation, you won’t have any recourse if something goes wrong. Conversely, you could plow a lot of money into only for your government to impose harsh regulations that massively depress the price. 

You can use crypto to improve your financial situation, but it is essential to do your research and make sure that you understand the risks involved. By making sure that your initial investments are small and manageable, you can still enjoy the upside that the cryptocurrency market offers.

How Much Does it Cost to Open a Rehabilitation Center?

Rehabilitation Center

Most individuals don’t realize that opening an alcohol and drug rehabilitation facility (rehab center) includes two overlooked parts. Firstly, learn about the legal requirements for establishing a treatment facility. And two, how to keep the business running and lucrative.

By looking up “rehab centres UK,” you’d notice that there’s a growing need for high-quality rehabilitation services, and opening your own treatment center might be a terrific opportunity to build both a successful company and a business that matters.

But if you’ve decided to create your own treatment facility, there are several things to keep in mind.

How much should you set aside?

The expense of opening a treatment facility is high. You’ll need to put a lot of money into the center’s staff and property.

This topic is challenging to address since each center is so diverse. Some factors to consider are your degree of care, what modalities, what kind of facility you are opening, state, city, etc.

The proforma is an essential aspect of our feasibility study since it covers the expenses of a facility.

You may talk to an agency consultant for free if you don’t want to spend $7,500 on a feasibility study but are interested in learning more about the financial aspects of the project, including:

Investing in a feasibility study

A feasibility study would be the first phase of the process. Using this information, you may figure out precisely what is required in your chosen location for the facility.

Determine the sort of treatment facility you want to establish in this step. Will it be a full-service health care facility? This includes intensive outpatient treatment (IOP), detoxification, and residential inpatient (PHP) such as inpatient alcohol treatment.

The next step is to calculate the diameter of the core. Which beds do you plan to open? If a rehab clinic has many beds but no funding to fill them or a marketing plan, it’s prone to failure.

It’s necessary to do a feasibility study to identify what is required in the region where you want to launch a center and how much money you will need to operate it.

Creating a business plan

The business plan is a written representation of what your company will look like in the future. All banks and most serious investors want this.

To succeed in the rehab center, you need to build relationships with medical and legal experts to get referrals; this does not imply that you can’t source your own patients. It’s critical to keep in mind that your prospective clients and their families are in a vulnerable position, so your addiction marketing must be considerate.

One should include the following parts in your business plan:

  • Executive summary
  • Target market
  • Expectations and forecasting
  • Execution
  • Technology focus
  • Marketing plan
  • Patient acquisition planning
  • Milestone outline
  • Partners and resources
  • Business KPI (Key Performance Indicators) 
  • Company
  • Financial planning
  • Financing

Taking care of licensing

Opening a residential rehabilitation facility may need commercial medical zoning approval for your house. There’s a lot of red tape and regulation in this field, so getting a license is a need.

Like California, each state is unique. You don’t have to be zoned commercial in California if you have six or fewer beds, but you still need a license.

Your Policy & Procedures (P&P) manual and the program will account for a significant portion of the requirements for your certification. The licensing board will look at the sort of treatment facility you propose to create, as well as the services you intend to provide to the neighborhood.

So, with the help of your medical director, you’ve organized your program and P&P. (or consultant). If you don’t have the proper paperwork or omit a portion of the P&P, you’ll have to wait longer to start a center.

Undergo a staff training

With the right staff in place, you can ensure that you’re operating a quality program. A qualified psychiatrist may command a salary over $200,000, depending on the facility’s size and location.

You’ll need a wide range of programs in place to provide the best possible care for our patients at all phases of the continuum. It’s essential to consider the costs of facilitators, technology, and supplies.

Training had a substantial impact on staff members’ attitudes about interventions and their feelings of support from colleagues. So if you want a better service for your clients, be sure to encourage everyone to participate in the program!

Executing a marketing campaign

A two-pronged strategy is used in the promotion of rehabilitation facilities. Long-term investment in organic search and your brand is the first prong. Yahoo, Google, and Bing are all search engines that use organic methods to get results.

The organic search value is remarkable once the results are noticed, which might take 4-6 months. Having a website is a given if you want to rank well in search results. Employ the services of a reputable addiction marketing firm to create a polished website.

As soon as you begin building a rehab facility, you should start working with a marketing team. Organic outcomes take 4-6 months, which corresponds nicely with the time it takes for a new business to be licensed and operational.

If you wait 2-3 months to start your web marketing campaign after receiving your license, you will have nothing to show for it. Addiction marketing may save you tens of thousands of dollars if you plan.

The second strategy is the production of new leads. Your SEO is most likely not in full ROI gear by the time you open. You’ll need to spend money on lead-generating services to fill the remaining beds.

Paid search, TV, social media, and radio generate leads. Lead generation is more expensive per intake than organic search, but you can switch on and it off rapidly to guarantee a correct intake rate is maintained at all times.

It’s a decent rule of thumb to allocate $5,000 per bed for marketing expenditures. As a result, lead-generating expenses will be covered.

A monthly SEO budget for each store you open should be between $1,500 and $5,000, depending on the area and the level of competition. According to the intricacy of the website, the development budget and design should be between $4,000 and $5,000.

If you want to establish a vast lead-generating platform, you’ll need more than $5,000.

Summary

When planning to open a treatment facility, there are several financial considerations. A residential treatment facility may cost several million dollars, an intensive outpatient program costs $300,000 to $600,000, and a sober living home costs $200,000. 

This will provide a more sustainable company strategy that can stick to a budget yet still produce a profit.

Depending on your business objectives, state, city, degree of care, and more, the cost of operating a treatment facility ranges from $100,000 to $2 million.

Bitcoin Blockchain: How Does it Function and Prevent Double-Spending? 

Bitcoin Blockchain

Investments always come with a certain level of risk. Bitcoin trading is not an exception. The network where it operates is not perfect but is not flawed as well. It is developed with enhanced security features to prevent fraud and other issues. 

While the system is proven secure and reliable among users, it is crucial that you understand how the bitcoin blockchain works before you begin cryptocurrency trading. 

You can check the platform of Bitcoin Up

Essentially, the bitcoin blockchain is an enormous, shared, and encrypted list of accounts that records users’ balances and transactions. New blocks are created once bitcoin mining or bitcoin exchange takes place. All blocks are stacked on top of each other; thus, the succeeding block depends on the previous one. 

Blockchain enables the submission of transactions to the bitcoin network and afterwards, the information is passed on through all nodes. These include all computers connected to other units in the crypto blockchain.  

How the Blockchain Functions 

The purpose of blockchain is similar to that of the public ledger – it accounts for financial transactions and provides a method of verifying information for bitcoin users. All users can download a blockchain copy to track the path of bitcoin transactions. However, the record of such transactions is linked to a specific crypto address, not on personal names or email addresses. Hence, bitcoin is pseudonymous. These are the key features of a blockchain: 

  • Digital information can be stored and distributed to each participant through blockchain; however, the data cannot be edited. Blockchain can also store any number of data points, including product inventories, election votes, deeds to homes, state identification, etc. But in the bitcoin network, it is only used to have a transparent record of the ledger of payments. 
  • Each node in a blockchain has a full record of the information gathered since its inception. For bitcoin, the data includes all history of transactions made between participants. If one node has an erroneous record, there are thousands of reference points that can be used to correct the errors.

What Information is Contained in Each Block? 

Blockchains have a series of individual blocks that are organized in chronological order according to the sequence of transactions. There are two parts to the data contained in a block. 

  • First Part – it contains header elements such as information about the location and other transactions contained within a given block. There is a data structure, called Merkle tree, used to record and display transactions. A hash is also used to show timestamp information, nonce or number required to be solved by miners, and difficulty level. 
  • Second Part – this is the identifier information that generates header elements twice in a row. 

Comparing Blockchain with Bank Statement

One interesting fact about blockchain is that it is more anonymous than bank statements. Nevertheless, this anonymity is considered an advantage for certain reasons, but it can also be a risk – depending on which angle you look at it. 

Under usual circumstances, bitcoin transactions are supposed to be connected to a specific crypto address instead of personal names or emails. The anonymity is sometimes compromised because of the blockchain information ledger. This happens when there is a breach of ownership that can result in exposing other owners by tracking back the transactions which are publicly lodged. 

Blockchain may be more anonymous than bank statements, but it does not mean that secrecy of information is guaranteed at all times, as some people may claim it is. 

How Blockchain can Prevent Bitcoin Double-Spending

Some traders are concerned about the possibility of other people duplicating digital currencies. Once made, this can result in spending the crypto at two or more venues. This is called double-spending, which can be prevented in blockchain-based cryptos such as bitcoin by using a mechanism known as proof-of-work (PoW). A decentralized network of miners carries out the PoW to secure the fidelity of previous transactions on the blockchain ledger and detect and prevent double-spending. 

Blockchain makes bitcoin transactions transparent and secure among traders. Although it is not a perfect technology, it can be relied upon by users for buying, selling, and trading their digital currencies with ease and confidence. 

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