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Nevada Casinos To Go Cashless

Casinos To Go Cashless

It is two years since Bill Miller, CEO of the American Gaming Association, used his keynote speech at the 2019 Global Gaming Expo (G2E) to challenge the industry to accelerate their efforts to bring cashless technologies to casino floors. Miller was echoing sentiments expressed across many sectors, as the world continues to move towards digital payments and away from cash.

Much has happened in the intervening years, and at the 2021 G2E in October cashless gaming was the number one technological focus of the event. Several companies had their tech on display, and IGT won the Product Innovation of the Year award for IGTPay and Resort Wallet – two modules from their full casino management suite IGT Advantage.

Unsurprisingly, in the US it is the state of Nevada that is leading the way on cashless casinos. In June 2020 the state Gaming Commission approved alterations to a pair of regulations pertaining to digital payments in games and gaming devices. Just a few months ago, Resorts World Las Vegas opened its doors with full cashless capabilities in all casinos and gaming, as well as throughout the resort.

Pandemic push

When Miller gave his 2019 speech, he could not have known what was to come the following year. The pandemic created a massive acceleration for cashless tech innovation worldwide, as many industries endeavored to introduce systems to assist with infection control in public spaces. Casinos were hit especially hard by shutdowns, so facilitating cash-free floors became a priority.

One sticking point for cashless casinos is consumer uptake, with many visitors still preferring to use bills when they play at the slots or tables. For the time being, Resorts World offers both options to its patrons, although the long-term goal will be to phase out cash altogether. For operators, there are many advantages to going cash-free. For players, there may need to be more persuasion.

Infection concerns over the handling of coins and bills have helped to advance the cause of digital casino payments to the public. Studies in 2020 suggested that well over half of casino-goers welcomed cashless tech, although as life slowly returns to a so-called normal we may see that number decrease. Nonetheless, industry insiders believe that the tipping point in favor of cashless payments has been brought forward several years by the pandemic.

Online influence

Another factor influencing public opinion is the widespread use of online casinos and sports betting sites. Nevada launched sports betting on mobile in 2010, where users could place bets and make transactions via one of a number of apps. This also helped users to get used to using digital payments for gambling purposes.

The legality of online casinos in the US is still somewhat patchy, with only a handful of states drafting specific legislation to allow them to operate within state lines. Since the 2018 Supreme Court ruling permitting sports betting, many states have made it legal. However, only a few of those states have decided to expand into the online space.

The US lags behind many regions when it comes to making the switch to digital transactions. Between 2017 and 2021, Europe saw an increase in cashless payments of around 60%, in Asia-Pacific during this same period it was 108%. By contrast, in the North American continent the growth was just under 20%. As more states introduce online sports betting, it may encourage players to embrace the use of digital technologies in land casinos. Even in Germany, which is usually a new technology laggard, payment methods like Cash to Code, PaySafe, NeoSurf, N26 and other are becoming used widely.

Nevada leads

Bill Miller has praised Resorts World for incorporating cashless tech throughout their new site, including the first place where players can pay for chips digitally at the gaming tables. The chips are also fitted with radio-frequency identification technology (RFID) to track each bet. Proponents of the system point out that cashless gaming technology has many advantages beyond a frictionless guest experience.

The tech can be used to solve several issues ranging from anti-money laundering and know your customer (KYC) requirements, to protecting players from problem gambling. The online casino world has been grappling with these issues and finding solutions for many years now, and in many ways are well ahead of their land-based counterparts. Integrating cashless tech with RFID could be a big step towards bringing them in line with international rules.

Others in Vegas are following suit. Boyd Gaming, which owns eleven casino properties in the city and seventeen out of state, has recently finished trialing a cashless wallet at its Aliante site and waiting on approval from the Gaming Commission to try out digital table wagering.

Many of the digital wallet technologies in production need more time to complete, but interest is intense, investments are increasing, and customer uptake has been better than expected.

Industry experts predict that it won’t be long before the majority of land casinos have integrated some form of cashless system.

 

4 Business Industries That Became Extremely Popular In Recent Years

Business Industries

The world has been changing continuously for thousands of years and will continue to do so in the near future. All modern innovations are upgraded, updated, and it is the same with all business industries that are part of the market, which is globally spread today.

Some remain behind and become part of history, while others move forward and become better. It is a constant competition, and it is even more difficult than ever since a global market also means international competition, which on the other hand, can provide many benefits.

Nevertheless, some industries overcome challenges faster, and here we will see the 4 business industries that became extremely popular in recent years.

Renewable Energy Industry

This industry comes first since nothing is more important today than the climate crisis that, unfortunately, many people don’t take seriously. However, many people address this issue, and the so-called green revolution and green energy are becoming more and more popular.

Renewable energy will provide the globe with an infinite supply of energy and power that is not polluting our environment. We will literally be forced to use renewable energy since oil, coal, gas, and other supplies are starting to diminish rapidly, and there is no other alternative.

So, in essence, it is logical that renewable energy and its industry have become extremely important and popular all over the world. The time to invest is now since we are at the beginning of the green revolution. For example, Samsung is already using a high percentage of renewable energy, their USA facilities are 100% run on renewable energy, and they intend to do the same with all their other facilities around the world.

Online Casino Gaming Industry

Online casino games have been immensely popular among players for a long period of time, but since the Covid-19 pandemic hit, their popularity skyrocketed even more. Until the end of 2021, the international online gambling market is expected to reach a value of more than 72 billion dollars.

There are many reasons why this is happening, maybe because people can play from home in their pyjamas at any time because there is a variety of games from online slot games to roulette, baccarat, and many more, or because there are chat rooms where players can meet people from different cultures. Whatever the reason, these games are accessible, and for example, you can quickly find the best online casino games Canada on the internet and enjoy their games. Players just have to gamble responsibly and keep a budget limit; the casinos take care of everything else. And as time goes by, it seems like this industry will be even more popular in the future.

Online Dating App Industry

Yes, you read that right; the online dating industry is booming in 2021, which usually has a lot to do with the pandemic that changed the world entirely. It is evident that dating apps and their technological improvements have significantly impacted the matchmaking industry lately, and it is fun to see what is next.

Also, it is interesting how Covid-19 helped this industry because even though dating apps had more than 32% growth in 2016, the percentage reduced to a little more than 5% back in 2019. But now, their popularity is back again, and online dating is more popular than ever since people have no other choice. What is even more impressive is that during the longest lockdowns and quarantines, people started to date through video calls after matching on a dating app. Sounds crazy, right, but on the other hand, it is logical since the options are limited. Therefore, the online dating app industry is booming once again, and it is one that has been highly popular in recent years.

Last But Not Least, the Cannabis Industry

Even though restricted or not allowed, cannabis is one of the most popular drugs worldwide. Cannabis has gathered a lot of interest from investors since it is evident that it will be legalized in many countries in the near future. Also, scientific research has already shown that it can be used for cancer treatment and has other beneficial ingredients for our medicine.

And these are the main reasons why people protest and want this incredible herb to be finally legalized. For example, more than 50% of US citizens think that their government should legalize it all over the country. Many people across the globe share the same opinion, and it is just a matter of time before this will happen. Therefore, it is logical that this industry is becoming more and more popular among investors.

Of course, some specific regulations and rules have to be followed to be part of the industry and permissions from the government, but in essence, its popularity is what moves things forward. So this industry is for sure one of the most popular ones in recent years, and its popularity will skyrocket even more in the coming years. 

 

Advancements in Business 2022

Advancements in Business 2022

The Covid-19 epidemic has taught us not to attempt to anticipate the future. Who could have predicted a pandemic that is still causing devastation over two years later?

The year 2021 was undoubtedly a year of change for many companies. They had to adapt their business strategies for customers and staff and embrace new digital procedures faster. Consumers changed, budgets shrank, and firms were forced to innovate or risk losing market share.

While constant lockdowns have harmed some businesses, others have thrived and innovated, embracing new possibilities. Faced with hardship, humanity often overcomes. The world will keep changing. Together, we can better meet and service changing consumer and societal trends.

In this article, specialists from several areas discuss the advancements shaping the future year:

Emissions Reduction Effort

Climate change has been debated for years, but now governments and companies are taking action. Climate change and business are linked; thus, firms are attempting to be more sustainable. Corporate carbon neutrality promises are becoming more common. Amazon, Apple, and Microsoft have set carbon reduction objectives.

Many small businesses strive towards carbon neutrality. For the future, many business owners are taking online business climate courses. Business and climate change are now evident. Companies are increasingly assessing their carbon footprints and taking steps to reduce them.

They may help business owners deal with this pressing issue. As businesses affect climate change, processes must be reevaluated from top to bottom. Thus, business and climate change courses are growing in popularity.

As the climate crisis continues to be debated, more businesses are attempting to reduce their environmental impact and carbon emissions.

Future AI Advances

In recent years, AI has exploded throughout industries. Overall, this has improved operational efficiency and allowed process automation. AI is widely employed in business, healthcare, and technology, especially in the advancement of web design.

With our rising global reliance on data, AI will remain a cornerstone in the following years. Expect increasing widespread usage of the technology, especially in industrial applications. Unsurprisingly, most, if not all, CEOs believe AI will help their organization in the following months and years.

Using AI in customer-facing roles is becoming more common. In e-commerce, AI is replacing call centers. These voice chatbots will certainly lower e-commerce customer care expenses while improving industry assistance.

Growing Remote Work

Before the crisis, more people worked from home. After the Covid-19 pandemic, the practice expanded rapidly. However, many companies still utilize remote staff.

Companies use remote work to find fresh talent. The epidemic demonstrated that work could go on even when life was suspended. For better work-life balance and productivity, entirely remote or hybrid work has gained appeal.

Now that we have better internet and remote working choices, working from home may be here to stay.

Contact-less Payment Options

The outbreak has benefited this sector. Consumers’ habits have changed substantially in the previous 18 months, increasing contactless payments. When people are more aware of germs and disease transmission, the contactless payment becomes a helpful tool.

While restrictions are unlikely to last another year, consumer anxieties about the virus exist. As a result, customers tend to follow their own rules. Cash use is one such limitation.

Contactless payments were widespread throughout the outbreak and will continue until 2022—a fast, safe, and easy method to pay for almost everything.

Digitized Work Solutions

Businesses increasingly depend on cloud computing. The IT infrastructure of a successful organization is vital. Still challenging to design and execute, but now more accessible.

They are increasingly linked. As a result, IT teams had to rebuild networks. Business needs cloud computing.

Amazon and Google do this already. Global infrastructure may now be built by almost any firm. Minimal data center construction expenditures may benefit smaller enterprises.

Cloud-based solutions have also helped companies scale. Businesses may remotely scale processing and storage. Cost and time of localization. Because of their scalability, cloud-based solutions will continue to dominate.

Growing eCommerce

Amidst the 2020 shutdown, e-commerce was encouraged. Even Amazon and Walmart struggled to keep up, underlining logistical challenges.

Ecommerce will remain popular in 2021 and 2022. The trend will be towards boutique businesses. Shopify is gaining popularity among smaller e-commerce businesses.

Boutiques may now compete with Amazon’s 1-click checkout using Apple Pay. It’s the perfect storm for many customers, with “big tech” influencers on TikTok and Instagram and speedier checkout processes for boutique retailers.

Instagram and TikTok are expected to complete their e-commerce platforms to affiliate networks in 2022. Amazon’s affiliate network has helped it earn money by linking to Amazon products. These affiliate ties may be lucrative around Christmas. Amazon pays a commission on all cookie-related sales. This will be a prominent, slight business trend in 2022.

Our takeaways

Generally, these are some of the current business trends that should continue for the coming year. Artificial intelligence (AI) and data processing technologies will become more critical as the world becomes more digitized. The pandemic also influenced worker, business, and consumer behavior. While boundaries are unlikely to extend in the next year, some corporate trends are likely to endure. For a more sustainable society, businesses of all sizes may expect to adopt more eco-friendly and socially responsible practices.

Getting Ahead of the Pack in Your Career in Finance

Career in Finance

The world of finance is competitive. When you work with money, it’s only natural that you want to earn a good chunk of it for yourself. It’s an ever-changing, growing, and evolving sector, more so than ever before with the emergence of cryptocurrency and the growth of global business. A career in finance is appealing for many people. It’s an industry where there will always be jobs, growth, and opportunities to move up the ladder and earn more.

But when you work in such a competitive sector it can be hard to get noticed, to make the right impression, and to keep up with the pack, never mind get ahead of them. Here are some of the things that you can do to get ahead of the pack.

Commit to Extended Learning

Finance is an ever-changing world. The processes, the ways that we work, and even the money itself is changing all of the time, and it’s important that we keep up. Many people find themselves starting their careers eagerly, quickly moving through the ranks with enthusiasm and passion, comfortably at the head of the pack. Then in a few short years, they have grown complacent, lost their edge, are unsure about new methods and knowledge, and find that those passionate and eager graduates are nipping at their heels.

Getting to the front of the pack might be the easy part, it’s staying there, or making a comeback that you need to worry about. To stay at the front, you need to commit to career-long learning. This could be reading independently, staying on top of relevant news and advancements, learning from your peers, superiors, and even those new starters, or taking more formal courses and gaining new qualifications. It all counts.

Explore Alternate Courses

You might think that to work in finance you need skills and qualifications in maths and accounting. While a mathematical background or degree is essential, other subjects could be valuable to your career too.

Studying something like psychology can be helpful when you work in finance and need to be able to really understand other people’s actions and thought processes. Even studying independently without any official qualifications can help you to gain an edge.

Learning more about leadership and management can help you to run your team, manage your time, and get things done in the workplace. Being a good leader can help you to build better relationships with colleagues and subordinates, but also with clients.

Another course that could be useful to someone in finance is web management. With so much business done online today having even a basic knowledge of building and running a website can be a big help in most workplaces.

Then, there are courses like a Master’s in Business Analytics from Saint Bonaventure University, which could give you an edge when it comes to making fact-based decisions and understanding data and databases effectively. These courses are ideal for anyone with a degree who is looking to extend or diversify their knowledge.

Set Some Goals

If you worked in finance a few decades ago, you had two main career choices. You could be a stockbroker, or you could be an insurance agent. Nowadays the options are endless and varied. With a background in finance, you could have a career as anything from a financial risk analyst to a corporate treasurer. You could work in banking, insurance, tax, pensions, and accounting, and fairly easily make switches between financial careers over your working life.

To set goals it’s important that you explore some of these career options, so that you know what you want to do, at least in the short term. Then set yourself some career goals, these can be large, like gaining a promotion or opening your own office, or smaller, like finding a new client or trying to initiate a new idea in your workplace. Having goals gives you things to work toward and means that you never grow complacent at work.

Find the Right Mentor

Having a mentor is a great way to stick to those goals, continue learning, and meet some well-connected people. But your mentor might not be the person that you immediately think of. The wise old manager at work who you’ve always gotten on well with might not actually have followed the same path, your goals and ideas might not align with theirs, and actually great doers aren’t always great teachers or sharers.

Gain Varied Experience in the Workplace

One of the best ways to get noticed at work is to gain a more varied experience. Don’t stay in your comfort zone but volunteer for different tasks and roles. This gives you a chance to learn, to make new connections, and to get noticed as someone that says yes and is always willing to expand on their knowledge.

Brush Up on the Basics

Yes, knowledge, experience, and competence are crucial elements of a successful career in finance but it’s often the smaller elements that hold people back. If your career isn’t moving as fast, or in the direction that you might like, it might be time to brush up on these basics.

Punctuality

When we start new jobs most of us are eager to make a great impression. We’re always on time or early. Then as the years go by, we start hitting the snooze. We’re good at our jobs, we can get things done quickly, what do a few minutes matter? It matters, and it’s noticed. If you are always a little late or running in just on time, or if you are on time but always reach the office stressed, rushed, and in a bad mood, it might be time to start setting your alarm a few minutes earlier.

Appearance

Your appearance is exceptionally important when you work in finance. You can’t expect people to trust you with their money if you don’t look smart and well presented. Unfortunately, this is another area where standards can start to slide.

Personality

You don’t always need to be the life and soul of every social situation to do well in finance. But you do need to be likable and trustworthy.

Getting ahead of the pack in the world of finance is often about brushing up on the basics, working hard, and learning whenever an opportunity presents itself.

Championing Free Speech in the Social Media Capital of the World

Social Media

By Michael Henry Yusingco

Social media-savvy Filipinos will be a huge factor in the 2022 elections. Despite the threat of online disinformation, political activism in social media still needs to be encouraged. Thus, protecting free speech and press freedom in social media must remain paramount in the face of strong efforts to regulate cyberspace. 

The Philippines has been designated as the “social media capital of the world” because a large majority of its 110 million population spend around 9 hours of the day online, with almost half of this time spent in social media platforms such as Facebook, Twitter, YouTube and Instagram. 

A recent survey by polling firm Pulse Asia showed that 48% of Filipino adults get their news about government and politics from the internet, particularly on Facebook. So, for most Filipinos, social media also functions as a facilitator of political engagement. Whether as just a window to observe the current political happenings or as a means to connect with political actors or as a platform for direct political action. But without a doubt, social media has become a prime forum for political discourse.

Sadly however, in an interview in 2017, one of the young politicians in the country lamented,  “We used to say that the internet is a marketplace of ideas, now it’s a battlefield already. And the difficulty with being in a battlefield is that maraming (there are a lot of) casualties. And sometimes the casualties are democracy, good ideas that need space to be able to come out.”

During the 2019 midterm elections, CNN Philippines, through its Digital Disinformation Tracker research project, monitored online conversations during the election period and found that social media was an extremely toxic environment for political discourse. Voters pretty much stuck to their echo chambers and the “us versus them” mentality prevailed. There was no effort from the various political sides to “reach across the aisle” so to speak. Each side was only keen to promote their respective narratives while equally determined to suppress the claims of the others. 

The internet is a technological innovation that provides people real-time access to information, to cultures beyond borders, and to discourses happening virtually any place in the world.

For this election cycle, the online vitriol began in earnest right after the lapse of the deadline for the filing of certificates of candidacy a fortnight ago. Social media is currently flooded with attack propaganda lodged by supporters of candidates against each other. And this toxicity will even intensify considerably once the campaign period for the national elections officially begins on February 8, 2022.   

Pertinently, campaigning in the 2022 elections will most likely be devoid of the usual “fiesta” like atmosphere. The COVID-19 pandemic has limited the movements of peoples and will likely continue to do so until May next year. Hence, most, if not all, of campaign gimmicks and activities will likely be undertaken online. 

Thus, an already robust online public discourse will be elevated several notches higher, which judging from the level of partisan outrage being expressed now could come close to the point of chaos and pandemonium. During the following months, social media in the Philippines will swing from being a “marketplace of policies and ideas” to being a “battleground of partisan politics”.

A democratic cyberspace  

The internet is a technological innovation that provides people real-time access to information, to cultures beyond borders, and to discourses happening virtually any place in the world. As more people now interact in the digital world, for Filipinos it is vital that cyberspace remain democratic given the centrality of social media in the civic space.  

But the intense level of connectivity and the amplification of communication necessitates a critical assessment of the scope and depth of free expression and press freedom in cyberspace, as well as the roles and responsibilities of government and citizens in adhering to these constitutional rights.

The Philippines has a cherished legal tradition of respecting free speech and press freedom, despite its complicated history with democratic rule. The Supreme Court articulated this ethos as follows:

“To be truly meaningful, freedom of speech and of the press should allow and even encourage the articulation of the unorthodox view, though it be hostile to or derided by others; or though such view “induces a condition of unrest, creates dissatisfaction with conditions as they are, or even stirs people to anger.”” 

From just a plain reading of this ruling of the high court, it would be so easy to conclude that the rambunctiousness of political discourse amongst Filipinos in Facebook is proof that free speech is alive and well in the social media sphere. However, online disinformation insidiously threatens the full exercise of these constitutional rights, particularly in relation to political discourse.

The disinformation scourge

The dictionary definition of disinformation is “false information deliberately and often covertly spread (as by the planting of rumors) in order to influence public opinion or obscure the truth”. This is to be distinguished from “misinformation” which is defined simply as “incorrect or misleading information”. Both are obviously bad for democracy but it is the element of nefarious intent which makes disinformation the more fatal of the two. 

The spread of disinformation hinders reflective and balanced public discourse about pressing issues and the viable policies to address them.

To illustrate, the claim made by Ferdinand Marcos, Jr. that he had an undergraduate degree from Oxford and an MBA from Wharton can be classified as misinformation because while he did spend some time in Oxford University and Wharton School, his name is not in their official lists of graduates. On the other hand, the falsehoods about the Marcos dictatorship being promoted by certain online sources can be classified as disinformation because their aim is to cover up the plunder and brutality perpetuated during Marcos’ authoritarian regime, both of which are historical facts already proven in the court of law.

Disinformation imperils democracy because information plays such a huge part in democratic consolidation, particularly in ensuring free and fair elections. The spread of disinformation hinders reflective and balanced public discourse about pressing issues and the viable policies to address them. Thus, depriving voters the ability to make a rational and informed decision at the polls.

Moreover, an integral part of a modern disinformation campaign is to sow division within the polity by stoking emotions and prejudices on a politically or socially charged issue. This scenario has played out in other parts of the world before, but “weaponising social media“ in furtherance of electoral gain is currently unfolding in the Philippines. 

Nevertheless, fostering and even encouraging political activism in the digital realm is still optimal because ardent citizen engagement in matters of governance and politics can sustain a healthy democracy. Hence, the need to protect free speech and press freedom in social media.

Accordingly, a strong adherence to constitutional rights must underpin any government initiative to keep social media a safe and vibrant space for its citizens. Specifically, in institutionalizing mechanisms against the deployment of online disinformation.

Digital citizenship

Needless to say, there is a plethora of ways to address the proliferation of disinformation on the internet. But one of the most important steps is to institutionalize digital citizenship, a concept defined by the United Nations Educational, Scientific and Cultural Organization as, “a set of skills that enables citizens to access, retrieve, understand, evaluate and use, to create as well as to share information and media in all formats, using several tools, in a critical, ethical and effective way to participate and engage in personal, professional and social activities.” 

Digital citizenship imposes on social media users a responsibility to uphold norms of appropriate and responsible use of digital technology. This view is buttressed by the opinion of the Supreme Court that it is “incumbent upon internet users to exercise due diligence in their online dealings and activities and must not be negligent in protecting their rights.” Correspondingly, the subject of digital citizenship and responsibility is now part of the K-12 curriculum.

It must be clarified though that a digital citizenship regime does not absolve government from any responsibility in preserving the safety and security of the online world. It merely highlights the fact that civil society plays an important and indispensable role in keeping cyberspace safe and secure for all its users. 

Regulating social media 

Notably, the digital space is not actually the Wild Wild West. It is “governed” by a complex matrix of international rules and state laws. But regulating the web is still a hotly contested proposition and remains to be the subject of intense debate amongst scholars and legislators. In the Philippines, the apex regulatory statute is the Cybercrime Prevention Act of 2012.

The main goals of this law are to ensure the “free, easy, and intelligible access to exchange and/or delivery of information” and to “protect and safeguard the integrity of computer, computer and communications systems, networks, and databases”. Sometimes the fulfilment of these objectives becomes problematic, particularly in cases involving free speech.

freedom

Indeed, finding an acceptable balance between preserving online freedom and keeping cyberspace safe is profoundly challenging due to the authoritarian tendencies of the administration of President Rodrigo Duterte.

For instance, last year, the armed forces chief proposed to include social media in the coverage of the controversial anti-terrorism law. This extreme proposal aims to give national security agents the authority to closely monitor the online activities of suspected terrorists. There is genuine fear however, that this can also pave the way for state surveillance being employed indiscriminately against the population.  

And just last month, the head of the cybercrime division of the nation’s premier law enforcement agency, National Bureau of Investigation, urged Congress to enact a law that would mandate one social media account per person in the Philippines as a measure to prevent online scams. But again, this elicited serious anxieties that the state will use this power to surveil and censor those individuals who are overtly critical of the government. 

Ostensibly, the country’s existing legal framework on cybersecurity needs to be updated in order to keep pace with the current developments in digital technologies. In fact, the current proposals on how to better regulate cyberspace are now being studied and discussed both in the legislature and in academia. But Filipinos must be vigilant given the palpable tendency on the part of the government to compromise free speech and press freedom.

Reforming the digital legal framework 

The militaristic approach to regulating the internet must be reexamined because a regulatory regime that infringes on free speech and press freedom actually undermines the nation’s already distressed democracy. 

Thus, this Report of the Special Rapporteur on disinformation and freedom of opinion and expression must be seriously considered in undertaking such a massive reform effort, particularly this caveat:

“Laws and policies are often being made with sub-optimal knowledge of online harm, without adequate data, research or public consultations. States have resorted to disproportionate measures such as Internet shutdowns and vague and overly broad laws to criminalize, block, censor and chill online speech and shrink civic space. These measures are not only incompatible with international human rights law but also contribute to amplifying misperceptions, fostering fear and entrenching public mistrust of institutions.”  

Clearly, reforming the regulatory framework for cyberspace must be a multidimensional and multistakeholder effort. Insights from users, business and technology concerns, social cohesion and national security, all have to be factored in.  Hence, a viable legal framework to govern the digital realm can only be achieved with the collaboration of civil society, the digital platforms and the government.  More crucially though, all three parties must agree that the crafting process cannot deviate away from the nation’s obligation to respect constitutional rights.

Conclusion  

Indubitably, social media is now a site where Filipinos learn about public affairs and where they deliberate and mobilize political action. Thus, it is guaranteed that a social media-savvy electorate will be a huge factor in the 2022 elections.

However, online disinformation in social media can make election discourse hostile and toxic. If not properly addressed, this can mean political campaigning will no longer be about an honest-to-goodness public accounting of problems and solutions, but will simply be for showcasing electoral warfare between political protagonists.

Nevertheless, political activism in social media needs to be encouraged. This is precisely the reason why protecting free speech and press freedom in social media must remain paramount in the face of strong efforts to regulate cyberspace.

About the Author

Michael Henry Yusingco

Michael Henry Yusingco, LL.M is a Policy analyst and constitutionalist, senior research fellow at the Ateneo Policy Center of the School of Government of the Ateneo de Manila University, fellow of the Institute for Autonomy and Governance and author of the book, Rethinking the Bangsamoro Perspective. 

Best 5 Toronto Cleaning Companies

Cleaning company

Cleaning your home or business is a task that you may complete on your own. Going the Personal method saves money and makes cleaning a more personal experience. When you have the time to figure it out and follow the steps, it sounds like a lot of fun. If you aren’t so fortunate, you should engage a professional cleaning business to help you organize your belongings.

Professional cleaners and specialists are also advantageous because they cover a larger area. They can clean hard-to-reach areas and places you didn’t think required cleaning. They also offer specialized cleaning products and equipment to keep your home smelling and looking clean. With all of these benefits, it’s a good idea to contact the top cleaning services in your area.

The best cleaning companies work with technologically advanced equipment. Needless to say, this allows for deep-cleaning factories, office spaces, and even warehouses. One of the techniques that they use to ensure maximum cleanliness is by employing floor cleaning machines. This rinses clean and scrubs the flooring all at the same time. It removes, dirt, filth, and other debris and ensures a clean floor. 

Here are the Best 5 Toronto Cleaning Companies:

 1. MASTER MAID

Whether you’re a large corporation with multiple floors, a tiny business with a lot of energy, or a homeowner in need of a deep clean, they’ve got you covered. No nook or cranny goes unnoticed, and no rubbish can be left unattended. They recognize the importance of client responsiveness, consistency in service, and the effectiveness of their job based on their many years of expertise.

Master maid is one of the famous cleaning companies in Toronto. You should choose master maid because they provide condo and home cleaning services, and a significant number of their clients require assistance from time to time. They are happy to assist with any property, whether it is a house or a condo. They also provide move-in and move-out cleaning services, so if you’re moving into a new place or simply want to leave it in fantastic shape for the next renter, they’ve got you covered. They also offer AirBnB cleaning services in Toronto, as well as post-construction cleaning and workplace cleaning at the cost of:

Cleaning service charges are $130 for a studio/one-bedroom, $150 for a two-bedroom, $190 for a three-bedroom, $230 for a four-bedroom, $280 for a five-bedroom, and $350 for a six-bedroom. While in an office or other location, the following prices apply 700 square feet – $120, 1000 square feet – $140, 2000 square feet – $180, and 3000 square feet – $220. Moving out is divided into three services: service one costs $215, service two costs $235, and served three costs $275. To know what are the other inclusions, you can visit their website. Master maid has 5.0 stars reviews on their site.

2. FOCUS CLEANING

Focus Cleaning offers a full range of commercial cleaning services, as well as specialized Janitorial Services. Their workers are trained and certified in commercial facility maintenance, as well as customer service and satisfaction. Focus Cleaning is a customer-focused janitorial and cleaning service. They strive to provide the best cleaning service available by employing skilled professionals to create a safe and clean environment for both employees and clients.

Cleaning Services, Maintenance Services, and Restoration Services are among the services/products offered in Toronto, with 5.0 stars based on three online reviews. Their pricing range depends on the area that will be clean and the size of the space.

3. MCA GROUP

Schools, restaurants, offices, sports facilities, hotels, retail spaces, medical facilities, and industrial buildings are the commercial institutions that MCA Group cleans. MCA Group is also one of the few cleaning companies that operate 24 hours a day, seven days a week, making it an excellent option for emergency cleaning. It can clean offices at all hours of the day and night, even when no one is present.

Office/post-construction/building/retail/hotel/restaurant cleaning, Dealership cleaning, Food plant cleaning, and Janitorial services are available in Toronto. On Google Reviews, there are over 76 reviews with a rating of 4.9 stars. Their rates vary depending on the type of cleaning required. The good thing about MCA Group is that they offer 24 hours and are a meager cost.

4. NO MORE CHORES OF TORONTO CLEANERS

No More Chores is, without a doubt, one of Toronto’s most in-demand cleaning service companies, serving both residential and commercial clients. No More Chores offers a large cleaning crew that can handle a range of cleaning jobs, including maintenance cleaning, commercial cleaning, rental cleaning, and move-in/out cleaning. Standard cleaning, one-time deep cleaning, move-in, and move-out cleaning, commercial cleaning, and post-construction cleaning are all services/products available in Toronto.

The advantages of this cleaner are that home appliances will also be cleaned, and cleaning services are available on a one-time, weekly, and monthly basis, but they are costly. The lowest prices are $200.

5. SCRUBBI

Scrubbi offers a variety of home cleaning services in Canada. With their excellent services, they create a pleasant and clean environment. Take use of their 24-hour availability and responsive customer service by booking an appointment quickly, changing your cleaning dates, selecting your favorite cleaning chemicals, and taking advantage of their 24-hour availability and responsive customer service.

Cleaning regularly, Cleaning after a Move-Out, Temporary Cleaning on a One-Time or Short-Term Basis, and Providing Services are all services/products available in Scrubbi(Weekly, Biweekly, Monthly). On weekends, they are closed. They are per-session fees. Four sessions at home cost $298, whereas four sessions in the office cost $388.

We all know that Cleanliness is directly relevant to disease prevention and hygiene. Various janitorial services contribute significantly to this goal. It is something that affects not just people but also the environment and the workplace. People gain a sense of dignity and moral superiority when they clean. Always choose the best partner when it comes to cleanliness.

Investment for A Cause: Bluemina Links Up With Saint Kitts and Nevis Citizenship for Youth Relief

Press Release Image

Bluemina’s Managing Partner and representative Mr. Bashar Daoud joined Saint Kitts and Nevis Prime Minister, Dr. the Honorable Timothy Harris, and CEO of the CIU, Mr. Les Khan, in attending Saint Kitts and Nevis embassy’s exclusive event on November 15th 2021 in Dubai. During the ceremony, Mr. Daoud has initiated a generous contribution of 20,000 US Dollars to St. Christopher Children’s Home in support of providing these children with a brighter future.

St. Kitts and Nevis Citizenship by Investment program launched in 1984 is one of the oldest and strongest country programs in the world, and is a highly demanded program at Bluemina.

Adam Ferrari Shares How You Can Simplify Your Life When You Are Overwhelmed 

Adam Ferrari

Have you ever felt paralyzed by the number of choices, decisions, and tasks that lay before you? Depending on their lifestyles, many people feel this way. 

Too many choices, decisions, and tasks are indicative of a complex lifestyle. Complexity requires energy to think through the various options and how they affect each other. Like a well-played chess game, there is satisfaction in devising a strategy and anticipating your future moves. Still, a constant stream of complexity can leave you feeling drained and exhausted. 

Here, business leader  Adam Ferrari shares five creative ways you can simplify your life and not compromise your life strategies.

Eliminate unimportant decisions

Two people may have two very different approaches to ordering food at a restaurant. For example, Marie enjoys eating out and looks forward to the total experience, including all the delicious options on the menu. She will carefully read each item and consider what will be just right for that evening’s meal. 

On the other hand, Steve enjoys spending time with family and friends but doesn’t care what’s for dinner. He will start reading the menu until he finds the first thing that sounds good, and he stops at that point and looks no further. He has made his decision, and he can now focus on other things. 

Neither of these restaurant menu strategies is better than the other but applying Steve’s process to the mundane decisions we all must make every day can significantly reduce the complexity of choosing between unimportant things. 

Automate everything you can

Much of the complexity-induced stress and anxiety people feel comes from having too much to do and the fear of forgetting something important. Technology can help with both of these.

If there’s anything that technology can do well, it automates routine tasks and reminds us of things that we need to do. Before too long, we’ll all be able to buy an autonomous vehicle, so we won’t even need to engage in driving our cars, but until then, let technology do what it does best—things that don’t require the ability to reason. 

A mini robot can vacuum your floor; that’s one less thing you need to think about. Your dog’s food and snacks can just show up on your doorstep before you run out. There’s another thing off your list. 

If you spend a lot of time mentally running through lists of things you need to do, automate the things you can, and then use technology to create reminders for other routine tasks. Automation and digital reminders will reduce the complexity in your life and allow you to focus on more critical and productive aspects of your life. 

De-junk

You’d be surprised by how much stuff most of us have that we don’t need and how freeing it is to get rid of all but the essentials. 

I asked a man one day about the big thick wallet he always carried. He was a friend, so I asked him to show me what he carried around with him. As we examined the contents of his wallet, we found several credit cards, months-old receipts, a little cash, some business cards—some his and some he had collected from others, and various other cards like auto and medical insurance. 

We talked about how much more comfortable he would be if he didn’t need to sit on a stack of cards and paper all day. He agreed that would be wonderful, but what about the stuff he needed—you know, just in case. I asked him to think about what would happen if he lost his wallet. That idea was quite unsettling to him, so I asked him if the important things in his wallet were safer there or at home. He immediately saw where the conversation was going and agreed to see if he could de-junk his wallet. 

The next time we met, he was ecstatic. He now carried a skinny wallet with a bit of cash and one credit card. He had been doing so for several weeks and said he never missed anything that he now left safe at home.

This idea applies to our homes, offices, vehicles, and even relationships. Be sure to use reason, but our lives can be simplified if we follow the advice of Japanese organizing consultant, author, and TV show host Marie Kondo—if it doesn’t spark joy, throw it out. Or maybe better stated, if it adds complexity to your life, reevaluate if you need it.

About Adam Ferrari

Adam Ferrari was born and raised in the south suburbs of Chicago, IL. He is the grandson of an Italian immigrant coal miner who worked in Coal City, IL. Adam was taught the value and dignity achieved through a hard day’s work from an early age. The oil and gas industry provides good-paying jobs for millions of blue-collar men and women across America. This is one of many reasons Adam and his company, Ferrari Energy, are such staunch supporters of the oil and gas industry. Blue-collar men and women built America, and the modern oil and gas industry keeps America moving forward.

Useful Tips to Help You Get a Compensation After a Motorcycle Accident

Motorcycle

It’s never easy to find yourself caught in a difficult and dangerous situation, but owning a bike comes with its risks. It’s a no-brainer that, irrespective of the other parties involved in a motorbike accident, the person with a considerably larger number of injuries would be the bike rider. A professional motor accident lawyer from candflawyers.com.au can assist you in this situation since they have 30 years of combined expertise, both in and out of court, which will help you find the best conclusion for your case. If you are partially or completely at fault for the vehicle accident and someone else was also at fault, you are still eligible to file a claim.

Complexities of a Motorcycle Accident

According to the public myths and misconceptions, bike riders are reckless and rough drivers as compared to four-wheel drivers. While both car and motorcycle accidents can be traumatic and leave devastating effects on the respective drivers, the blame is mostly shifted on a bike rider. However, it is a fact that a bike rider experiences more serious injuries as compared to a covered vehicle driver.

Tips that Will Help You Deal With a Complicated Motorcycle Accident

Collect Evidence

After an accident, if you are conscious and safe, you should record the accident and try to recall the events that lead to the accident. We’re lucky enough to have immediate access to cameras on our phones that make getting evidence on the spot possible. Take pictures of any damages and injuries you and your vehicle might have had.

However, avoid interacting with the other party to steer clear of any false claims of badgering or assault. It is hard to remember all the details right after the incident, so taking notes and pictures will be a plus point for your case. This evidence might help you in the compensation of your losses.

Seek Medical Treatment

The sooner you get all the proper treatment, diagnostic, and appropriate medical care, the sooner you can start your recovery process and get back on your daily health routine. After the accident, seek medical help from the nearest health care hospital for any injuries you had. If you are experiencing any symptoms, minor or major, don’t take a risk because many minor injuries can later cause underlying pain and complications too. Furthermore, it might be possible that it disables you from continuing a healthy life. These injuries are called delayed injuries, which should be provided with appropriate medical care just after the accident.

Contact an Experienced Lawyer

After getting immediate medical help and safety, the next important step to take is to contact your family lawyer and discuss your case. As motorcycle accidents are much more critical than car accidents, hire an attorney who is an expert in handling motorbike incidents and knows how to protect your rights and get compensation. Lawyers in the United States are known for car and motorbike accidents, and those in busy cities like Florida and Las Vegas are aware of how to protect the rights of their clients and increase the strength of their client’s cases. A Las Vegas motorcycle accident lawyer would be one of the most experienced out there, for example, since they’re quite experienced with cases and have no shortage of training. A good lawyer will always help you to understand the nature of what you’ve just been through, what type of compensation you deserve, how to claim for the cost and other medical expenses. This is why you shouldn’t hesitate in contacting an experienced lawyer.

Keep Your Medical Records Close

To claim all your expenses and loss, it’s important that you have the original and copies of all the records of any medical attention that you may have gotten after the incident took place. In the event that you require more medical attention in relation to what happened, the doctors will provide you with an insurance letter that will help you in claiming and demanding your medical treatment expenses.

Don’t Record Any Statement Before Talking to Your Lawyer

If you are injured in a motorcycle accident, then hire or contact an expert attorney as soon as possible before the legal investigation starts. If the other party’s attorney gets in touch with you and the insurance company, then keep in mind to avoid giving any statements that might hurt your case. You must discuss your matter with your legal consultant first before discussing it with the other parties involved.

Sometimes, anything you say can be potentially used against your case. To avoid anything of this sort from happening, refrain from communicating with the other party.

Several Other Factors to Consider

Accident cases that cost less and move faster may be less stressful and can be handled out of the court. However, out-of-court settlements also have some disadvantages for people stuck with legal issues. Therefore, before taking a decision, consult with your attorney about what it means to accept an out-of-court settlement or the legal settlement through court.

Motorcycle Compensation

Motorcycle accidents can be devastating, regardless of the type of parties involved. Therefore, it is only practical to understand the stakes. Although you should ensure that you are not involved in an accident in the first place, knowing what to do after a motorcycle accident will allow you to prepare yourself for the situation in the event that it happens.

What are the Factors for Choosing the Best Crypto Lending Platforms?

Cryptocurrency

Crypto lending is a method for earning interest on your cryptocurrency if you do not intend to sell it.

Like most people, you are no doubt interested in discovering new strategies to acquire money. There are several invesftment options available, which can make selecting the proper one extremely challenging. The world of cryptocurrency has surged in popularity in recent years.

Suppose you are ready to give cryptocurrency lending a try. In that case, the first step is to select the best cryptocurrency lending platform. 

There are several platforms available, and each one provides something unique. The following are just a few of the factors to consider when selecting a cryptocurrency lending platform.

What is Cryptocurrency Lending?

It is well-known that cryptocurrency is gaining popularity as a payment option. However, that is not all, since it may also be an excellent financial opportunity. Crypto lending enables you to increase the value of your assets while holding them without intending to sell them.

Crypto lending is a subset of decentralized finance in which investors may lend their cryptocurrency to various borrowers. This way, you will get interest payments, often known as “crypto dividends.” Numerous sites that specialize in crypto financing also take stablecoins in addition to other cryptos.

Factors to Consider

Nexo vs Celsius, the all-time debate among crypto lending platforms. But how do you pick the best crypto lending and exchange software when there are so many options? To make that decision, you will also need to investigate the specifics of each exchange and select the one that fits your requirements the best.

It is important to understand what you should be searching for. Making a selection on a loan platform becomes much simpler if you clearly understand what you desire.

Interest Rates

First and foremost, interest rates should be considered. A greater interest rate is desired when lending so that your cryptocurrency can be used to generate income. So naturally, a lower interest rate is preferable if you are considering borrowing money.

Security

Securing your home should be the second most critical consideration. The platform’s security level is unknown. If so, what actions did they take to increase security after being the victim of a cyberattack in the past? Any respectable lending platform should explicitly define the safeguards that they have in place for its customers.

Supported Cryptocurrencies

Also crucial to evaluate is which cryptocurrencies the site takes, particularly if you are a lender looking to lend money. Most lending services allow Bitcoin and Ethereum.

You may need to hunt for other lending opportunities if all of your money is held in altcoins and stablecoins. However, it should be obvious on any respectable crypto loan platform that coins it supports on the webpage.

Flexibility

Another factor to examine is the loan’s ability to be modified at any point in time. For example, is there a time limit on how long you would want to lend or borrow? Are there any consequences for failing to pay back the loan within the time limit that has been agreed upon?

Do you know how often you have to pay back your loan? Some platforms feature predefined terms that you can adjust to meet your specific requirements; others allow you to entirely tailor the terms to meet your specific requirements and requirements.

Geo-restrictions

Some cryptocurrency loan sites include geo-restrictions, which you may not have been aware of. That is, depending on where you live, you may or may not be allowed to participate in a lending platform. So you should check to see whether you are eligible to sign up for your preferred platform regularly. For those in need of quick financial solutions, a bitcoin loan instant service offers a modern and efficient way to secure funds almost immediately.

Top Crypto Lending Platforms

The popularity of cryptocurrency lending has been continuously increasing. As a result, there are several choices accessible for consumers who are interested in utilizing their cryptocurrency as collateral for loans. Naturally, various lending platforms provide a variety of perks to their customers.

For example, some provide the lowest interest rates, while others support a broad range of cryptocurrencies. In contrast, others are concerned with safety and security, and some do all of the above, among other things. Here is a thorough list of everything we found.

Nexo

Nexo, which is based in Switzerland, was one of the first cryptocurrency lending platforms to emerge, and it was the first in the world to provide fast loans. Like most other lending platforms on our list, Nexo allows customers to utilize their cryptocurrency as collateral for fiat loans. There are no minimum repayments, no hidden costs, and loans are accessible immediately without the need for a credit check.

Nexo provides the potential for lenders to earn interest on fiat cash and stablecoins, with the addition of other crypto alternatives shortly. When you combine an eight percent interest rate with a 100 percent asset return guarantee, you can put your cryptocurrency to good use while knowing that it is in safe hands.

Celsius Network

Celsius Network has quickly risen to become one of the most well-known cryptocurrency loan platforms on the market for a good reason: It works. This is another instance where the site allows you to utilize Bitcoin as collateral for a cash loan. The loan conditions are very flexible. Celsius Network currently provides a one percent annual percentage rate (APR) on USD and stablecoins to assist people whom COVID-19 has been financially impacted. When you compare Nexo vs Celsius you can see they both have advantages, Nexo provides higher rates while Celsius is more well-known and trusted.

The platform is also causing quite a sensation in the business world. Celsius Network has aided in the introduction of cryptocurrency lending to more than a hundred financial institutions. It is taking significant efforts to secure the long-term viability of cryptocurrency. Since its inception in 2017, the platform has seen exceptional growth, having processed more than $5 billion in loan transactions.

Conclusion

Without a doubt, the crypto-loan sector is expanding at a rapid pace. These days and in this era, cryptocurrency loans are on the increase and getting more popular. With each passing month, more and more platforms are being launched, and the sector is booming. 

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