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Tag: Practical

  • Podcast: Health care costs in retirement

    Podcast: Health care costs in retirement

    In this episode, Joel and Maria break down some common misconceptions and share practical, research-based tips to help you create a realistic budget.
    Podcast: Health care costs in retirement
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    https://investornews.vanguard/health-care-costs-in-retirement/

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  • Practical strategies for adding TIPS to a portfolio

    Practical strategies for adding TIPS to a portfolio

    Podcast: Vanguard Investment Analyst Kimberly Stockton explains how TIPS can play a strategic long-term role as ballast and a diversifier in a portfolio.
    Practical strategies for adding TIPS to a portfolio
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    https://investornews.vanguard/practical-strategies-for-adding-tips-to-a-portfolio/

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  • Malaysia gets special consideration in Singapore’s new travel restrictions

    Malaysia gets special consideration in Singapore’s new travel restrictions

    Malaysia gets special consideration in Singapore’s new travel restrictions 1

    SINGAPORE: The new border restrictions on travellers including those from Asean do not include Singapore’s sea and land crossings with Malaysia, meaning Malaysians and Singaporeans can commute from both sides as usual.

    Singapore’s Co-chair of the Multi-Ministry Taskforce on Covid-19, Lawrence Wong, said while the order applies to the whole of Asean, a separate arrangement has been worked out for Malaysia through the bilateral joint working group.

    Special considerations have been put in for Malaysia because of the close proximity and high interdependency between both countries.

    “We do need precautions to be taken, given the high volume of people and vehicles moving in and out of these checkpoints,” he said today when announcing the additional measures that Singapore would be taking on the Covid-19 situation starting midnight on Monday.

    Effective March 16, 2020, 2359 hours, all travellers entering Singapore with recent travel history to Asean countries, Japan, Switzerland, or the United Kingdom within the last 14 days will be issued with a 14-day Stay-Home Notice (SHN).

    Wong, who is also the National Development Minister, said that on land crossing alone 200,000 people move across the checkpoints daily and the imposition of a 14-day SHN requirement would be very difficult and very disruptive for both countries.

    “So the 14-day requirement will not be practical for these travellers and we need to look at other precaution like checking their health. So discussions are ongoing between the two sides,” he said.

    The latest travel order applies to Singapore residents, long-term pass holders, and short-term visitors as well but not those transiting in Singapore without leaving the transit area.

    In addition, they will have to provide proof of the place where they will serve the 14-day SHN, for example a hotel booking covering the entire period, or a place of residence they or their family members own.

    They may also be swabbed for testing for Covid-19, even if asymptomatic because of the risk of community transmission in the countries of their origin and evidence of cases that have been imported from these countries into Singapore.

    In addition to the SHN requirement, from March 16, 2020, 2359 hours, all short-term visitors who are nationals of any Asean country will have to submit requisite information on their health to the Singapore Overseas Mission in the country they are resident before their intended date of travel.

    The submission will have to be approved by Singapore’s Ministry of Health (MOH) before travel to Singapore, and the approval will be verified by the Immigration and Checkpoints Authority (ICA) officers at the Singapore checkpoints.

    Short-term visitors who arrive in Singapore without the necessary approval will be denied entry into Singapore and they are therefore advised to secure the approval before making definitive travel bookings. — Bernama

    Malaysia gets special consideration in Singapore’s new travel restrictions
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    https://www.thesundaily.my/local/malaysia-gets-special-consideration-in-singapore-s-new-travel-restrictions-BI2129074

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  • COVID-19: IFRC, UNICEF and WHO issue guidance to protect children and support safe school operations

    GENEVA/NEW YORK – The International Federation of the Red Cross (IFRC), UNICEF and the World Health Organization (WHO) today issued new guidance to help protect children and schools from transmission of the COVID-19 virus. The guidance provides critical considerations and practical checklists to keep schools safe. It also advises national and local authorities on how to adapt and implement emergency plans for educational facilities. 

    In the event of school closures, the guidance includes recommendations to mitigate against the possible negative impacts on children’s learning and wellbeing. This means having solid plans in place to ensure the continuity of learning, including remote learning options such as online education strategies and radio broadcasts of academic content, and access to essential services for all children. These plans should also include necessary steps for the eventual safe reopening of schools.

    Where schools remain open, and to make sure that children and their families remain protected and informed, the guidance calls for:

    • Providing children with information about how to protect themselves;
    • Promoting best handwashing and hygiene practices and providing hygiene supplies;
    • Cleaning and disinfecting school buildings, especially water and sanitation facilities; and
    • Increasing airflow and ventilation.

    The guidance, while specific to countries that have already confirmed the transmission of COVID-19, is still relevant in all other contexts. Education can encourage students to become advocates for disease prevention and control at home, in school, and in their community by talking to others about how to prevent the spread of viruses. Maintaining safe school operations or reopening schools after a closure, requires many considerations, but if done well, can promote public health.

    For example, safe school guidelines implemented in Guinea, Liberia and Sierra Leone during the outbreak of Ebola virus disease from 2014 to 2016 helped prevent school-based transmissions of the virus.

    UNICEF is urging schools – whether open or helping students through remote learning – to provide students with holistic support. Schools should provide children with vital information on handwashing and other measures to protect themselves and their families; facilitate mental health support; and help to prevent stigma and discrimination by encouraging students to be kind to each other and avoid stereotypes when talking about the virus.

    The new guidance also offers helpful tips and checklists for parents and caregivers, as well as children and students themselves. These actions include:

    • Monitoring children’s health and keeping them home from school if they are ill;
    • Encouraging children to ask questions and express their concerns; and
    • Coughing or sneezing into a tissue or your elbow and avoid touching your face, eyes, mouth and nose.

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    https://www.who.int/news-room/detail/10-03-2020-covid-19-ifrc-unicef-and-who-issue-guidance-to-protect-children-and-support-safe-school-operations

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  • A current map for improving circuit design

    A current map for improving circuit design

    A practical method for mapping the flow of a current in devices with complex geometries that could be used to optimize circuit design has been developed at KAUST.

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  • The Essence of Technical Writing

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    The Gist of Technical Writing

    Technical writing, though may seem to be complex outwardly, is not that much complicated when approached in a pragmatic and systematic way. To make it simple, technical writing is just the process of peeling the outer chunky cover of the complexity of the entailed subject and showing the common reader the right way to feel the inner softness at ease.

    The Objective of Technical Writing

    Technical Writing is the process of taking away the toughness of the subject and making it simple and straightforward so that even ordinary readers who do not possess the grasp of the subject can easily digest the topic. A technical writer must be capable to assimilate the subject technical communication in its entirety and must be competent enough to translate the same into a commonly used language avoiding all of the included technical jargon.

    Though the subjects can vary, an expert technical writer will have to be skillful in providing the readers practical and precise content regarding the discussed subject in an ordinary language. The topic may be based on issues such as computer snags, recently launched innovative apps, description of a consumer gadget, mobile phones, computer tablets, medical items, or many other such things that are par for the course of modern living. A talented technical writer will delve deep into the subject and will gather all the relevant practical points and then will pass them to the readers without losing the grip of the subject, but, in a simple language. There lies the real significance of a technical writer.

    Give Valuable Information to Readers

    One of the main points that all technical writers will have to take care is to include valuable information that will be useful to the readers rather than detailing the apparent technical data. Readers will be more interested in knowing what the item concerned will impart them, rather than the physical or technical specifications. That does not mean that the writer must completely avoid such technical details; the only thing that he or she must ensure that the detailing must be customer-oriented.

    One Basic Tip

    To become a good writer, one should become a good reader and when the topic comes to technical writing, the writer must be clued-up on the latest technological advancements. The writer must absorb the scientific advancements as and when it comes to pass, and in our time the best bet for it is to rely on the effectiveness of the various internet platforms. In short, all technical writers must comprehend and assimilate the subject concerned fully before trying to pass on to the readers.

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    Source by Kaliyath Achutha Kumar

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  • Numerology’s Secret Strength – Your Habit Challenge

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    Where do you turn in times of crisis? How do you find the inner strength to face problems which are beyond your normal strength? Numerology can tell you where your hidden strength lies, ready to come forth in the face of problems beyond your normal resources. This hidden strength is known as your Habit Challenge. This ability is also known as the Submerged Characteristic or Habit number. Normally it lays dormant, hidden in everyday life until you truly need it; Then it blossoms becoming a useful tool to be called on.

    Finding your Habit Challenge

    This is one of the simplest calculations in Numerology. You simple count the number of letters in your use name and then reduce the value with fadic addition. Your use name is what your friends call you, or how you introduce yourself. Note that since this can change through out your lifetime, your Habit Challenge will change as well. As an example, actress Angelina Jolie has a Habit Challenge value of (4) as shown below.

    Angelina Jolie (Habit Challenge) = (8 + 5) = (13) = (4)

    Habit Challenge (1) – Originality

    People with this value respond to crisis by turning to their originality. They are best served by looking to themselves to find the answers they need, usually to the complete surprise of those around them.

    Habit Challenge (2) – Collaborator

    People with this value respond to crisis by teaming up with others. They are best served by being a good follower and trusting their partners to direct them in reaching their goal. If a need for diplomacy occurs, they are truly in their element and will bring good results.

    Habit Challenge (3) – Creativity

    People with this value respond to crisis by turning to their imagination. If there is an artistic solution to their problems, then they will solve them. These souls will also find an ability to put aside their fears and not take their problems seriously, letting them work with little pressure.

    Habit Challenge (4) – Analysis

    People with this value respond to crisis by turning to pure logic and their analytical skills. They will be able to turn off their emotions and work towards a practical and orthodox solution to their problems. They will never break down or lose their head until the crisis has passed.

    Habit Challenge (5) – Flexible

    People with this value respond to crisis by being flexible. They will accept change and take risk as necessary to reach their goals. If there is a New or unusual solution to the crisis, they will find it. These people will exhibit great versatility and quick thinking throughout the crisis.

    Habit Challenge (6) – Responsible

    People with this value respond to crisis by showing sympathy for others and taking on responsibility for the problem they face. These souls will work to shield their friends and family from the affects of the crisis and offer to sacrifice themselves to resolve the problem.

    Habit Challenge (7) – Meditation

    People with this value respond to crisis by using meditation or other techniques to seek knowledge from within themselves to resolve their problems. These souls will reject advice which they have not asked for, and instead look to their intuition for ways to solve their problems. They will always act with perfect timing while the crisis last.

    Habit Challenge (8) – Ruthless

    People with this value respond to crisis by being ruthless and efficient in their actions toward solving their problems. These souls are willing to set ambitious goals and work tirelessly until they are met. They will exhibit determination and infinite patience until the crisis has passed.

    Habit Challenge (9) – Idealist

    People with this value respond to crisis by being an idealist. They will be broad minded in their dealings with others, and generous with their time and resources while the crisis last. These souls will react dramatically with great flare towards those who oppose them until their problems are resolved.

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    Source by Keith Abbott

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  • Debt Cure$ – Book Review

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    By: Kevin Trudeau (2008)

    ISBN 978-0-9798258-1-1

    Book Price: $25.95

    Exposing the greatest rip off

    Kevin Trudeau is one of the leading consumer advocates in America today. His mission is to expose the greed that has taken over corporate America. Kevin is a bestselling author who has sold over 15 Million books. He is blowing the lid off the banking and credit card industry, and exposing the greatest rip off in USA’s history!

    Eliminate debt

    Kevin Trudeau presents 26 chapters helping readers to eliminate debt. He discusses, negotiation (Ch. 5), reducing interest rates (Ch. 6), turning from bankruptcy (Ch. 15), stopping debt collectors from harassing you (Ch. 20), achieving wealth (Ch. 21), rebuilding credit (Ch. 22), free money (Ch. 24), more free money (Ch. 24.5), & more!

    Reducing debt’s hold

    Kevin Trudeau is clinical, precise and personable in this revealing book. He presents, “The practices of the industry are designed to make sure you are late on your monthly payments, to make sure you go over the limit on your credit cards, and to make sure that the enormous fees and incredibly high interest rates continue to go up and up.”

    Mr. Trudeau points to cultural keys for debt in society, declaring, “People turn to their credit cards when they are in crisis mode, to simply help them get by… We are a convenience-oriented society, and credit cards are convenient.”

    Kevin releases simple, practical steps for reeling in debt. He explains, “The absolute worse thing for you to do about your debt is to do nothing… You need to know your current situation in order to move forward… a balance sheet is a financial snapshot that shows your current financial health… what you made and what you spent… “

    Encouraging words release motivation for readers. Trudeau states, “When you take control of your financial health, every area of your life improves. You can sleep better… you feel less stressed… not so tense… “

    Concise data reveals powerful solutions. Kevin expresses, “Even as little as $15 every two weeks applied to your mortgage can cut one and a half years off!” And “The banks and the lenders do not want us to know that we can reduce our payments, reduce our interest, and reduce the life of the loan.” All of this information is available here.

    Breaking free from the financial industry

    Kevin Trudeau successfully provides a powerful tool for helping readers break free from the financial industry.

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    Source by Dr. Steven J. Lynne

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  • Learning The Keys To Submission In Marriage

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    It is a divine law for wives to be submissive to their own husbands if they are to have a blissful marriage (Ephesians 5:22). Some wives would like to do so, but they do not know how. The keys to effectively submit to the one they love are here. Take them. Apply them. Enjoy that marriage of your dream.

    Submission is willingly putting oneself under an authority. The proud and ungodly, says it is foolish to be submissive, but to the humble and godly, it is wisdom. Every wise woman builds her house; but the foolish plucks it down with her own hands (Proverbs14:1). When we refuse to do God’s word we expose our lives to the influence of the devil, who comes in to steal, to kill and to destroy peace in marriages. God’s word is a road map to anyone who adopts it. Therefore, a wife’s submission to her husband is not to debase her in any way nor to advocate her husband’s supremacy. It is wisely recognising and fulfilling her complimentary role in the marriage union. If we will let this mind be in us, the struggle for supremacy, pride, arrogance, and rebellion in homes would stop. Let us examine some of those keys to learn.

    The first key is that submission must come from your heart. Until submission takes its root in your heart it will not endure when pressure comes. This is why women who conditionally submit to their husbands soon become rebellious when the motivation for it fades. Make your heart tender with the Word of God. You might ask how? Use the Word of God. When you hear the Word of God on submission, receive it with meekness and joy; keep it and do it patiently until the fruits become evident for all to see. Learn to diligently guard your heart against the subtle voice of the devil trying to steal those lofty Words you have heard.

    Meditation on the Word on submission is a second key you need to learn. Ensure you meditate on the word of God you hear until it becomes a part of your being so that it can bear fruit in your marriage. Speak words that will boost the morale of your spouse. Speak edifying words to your marriage. Take positive actions that will truly prove you are the submissive wife of God’s dream.

    The third step is to take practical steps against rebellion in your heart. One of such steps is to mind the company you keep. The bible says evil communication corrupts good manners. It is time to deprogram your life of those worldly associations that have programmed you for rebellion against the peace of your mind. Let those of them in captivity seek deliverance. You are a free child of God. So, be it! Remove those books and movies that are contrary to the Word of God from your shelf. You don’t need them. Take a stand. It is in your own interest.

    Added to the above is absolute love for your spouse. Perfect love casts out fear, the fear of dominion. If you truly loved him you would submit to him in all things. You will not be afraid of him dominating you because submission attracts love. Let your love for him be tangibly expressed. Overcome that fear with your expressed love.

    Above all, both partners should submit to God. The husband’s submission to God will attract same level of submission from his wife. Abraham submitted to God and Sarah submitted to Abraham.

    In conclusion, every great marriage must make God’s word the standard for living. God’s word advocates submission as the key to a successful marriage. Therefore accept it.

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    Source by Christopher UI Ogholoh

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  • Marketing Strategy: 7 Steps to Market Segmentation

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    Market segmentation is widely defined as being a complex process consisting in two main phases:

    – identification of broad, large markets

    – segmentation of these markets in order to select the most appropriate target markets and develop Marketing mixes accordingly.

    Everyone within the Marketing world knows and speaks of segmentation yet not many truly understand its underlying mechanics, thus failure is just around the corner. What causes this? It has been documented that most marketers fail the segmentation exam and start with a narrow mind and a bunch of misconceptions such as “all teenagers are rebels”, “all elderly women buy the same cosmetics brands” and so on. There are many dimensions to be considered, and uncovering them is certainly an exercise of creativity.

    The most widely employed model of market segmentation comprises 7 steps, each of them designed to encourage the marketer to come with a creative approach.

    STEP 1: Identify and name the broad market

    You have to have figured out by this moment what broad market your business aims at. If your company is already on a market, this can be a starting point; more options are available for a new business but resources would normally be a little limited.

    The biggest challenge is to find the right balance for your business: use your experience, knowledge and common sense to estimate if the market you have just identified earlier is not too narrow or too broad for you.

    STEP 2: Identify and make an inventory of potential customers’ needs

    This step pushes the creativity challenge even farther, since it can be compared to a brainstorming session.

    What you have to figure out is what needs the consumers from the broad market identified earlier might have. The more possible needs you can come up with, the better.

    Got yourself stuck in this stage of segmentation? Try to put yourself into the shoes of your potential customers: why would they buy your product, what could possibly trigger a buying decision? Answering these questions can help you list most needs of potential customers on a given product market.

    STEP 3: Formulate narrower markets

    McCarthy and Perreault suggest forming sub-markets around what you would call your “typical customer”, then aggregate similar people into this segment, on the condition to be able to satisfy their needs using the same Marketing mix.

    Start building a column with dimensions of the major need you try to cover: this will make it easier for you to decide if a given person should be included in the first segment or you should form a new segment. Also create a list of people-related features, demographics included, for each narrow market you form – a further step will ask you to name them.

    There is no exact formula on how to form narrow markets: use your best judgement and experience. Do not avoid asking opinions even from non-Marketing professionals, as different people can have different opinions and you can usually count on at least those items most people agree on.

    STEP 4: Identify the determining dimensions

    Carefully review the list resulted form the previous step. You should have by now a list of need dimensions for each market segment: try to identify those that carry a determining power.

    Reviewing the needs and attitudes of those you included within each market segment can help you figure out the determining dimensions.

    STEP 5: Name possible segment markets

    You have identified the determining dimensions of your market segments, now review them one by one and give them an appropriate name.

    A good way of naming these markets is to rely on the most important determining dimension.

    STEP 6: Evaluate the behavior of market segments

    Once you are done naming each market segment, allow time to consider what other aspects you know about them. It is important for a marketer to understand market behavior and what triggers it. You might notice that, while most segments have similar needs, they’re still different needs: understanding the difference and acting upon it is the key to achieve success using competitive offerings.

    STEP 7: Estimate the size of each market segment

    Each segment identified, named and studied during the previous stages should finally be given an estimate size, even if, for lack of data, it is only a rough estimate.

    Estimates of market segments will come in handy later, by offering a support for sales forecasts and help plan the Marketing mix: the more data we can gather at this moment, the easier further planning and strategy will be.

    These were the steps to segment a market, briefly presented. If performed correctly and thoroughly, you should now be able to have a glimpse of how to build Marketing mixes for each market segment.

    This 7 steps approach to market segmentation is very simple and practical and works for most marketers. However, if you are curious about other methods and want to experiment, you should take a look at computer-aided techniques, such as clustering and positioning.

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    Source by Otilia Otlacan

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