6 Reasons for a Custom Home

Our homes are often a reflection of our style. However, if you live in a neighborhood where it seems as though every third house has the same floorplan as the one you own, then you may be longing for a place that is truly designed around your needs and your personal style. After all, there is more to owning a home than having one just like the Smiths down the block!If this sounds familiar, then a custom home is just for you. With a myriad of home designs available, and the ease of changing the floorplan to meet your needs you can quickly have a home that is everything you have ever wanted!Here are some other advantages to having a custom home built:1. Fulfilling a dream – Let’s face it. There is something special about being able to walk into a home and know that it is designed exactly to your specs and needs. From the number and size of the bedrooms, to the garage and the state of the art kitchen, a custom home can be everything you desire.2. Save money – Contrary to what might think, a custom home typically cost less than buying a ready-made home. After all, in most pre-existing homes, there will be some type of upgrade or remodel necessary. By building a home of your own design, there will be no reason to remodel.3. Everything is new – When you purchase an existing home, you get minimal information about the status of the appliance, plumbing, electrical, etc… Consequently, you spend the first few years learning the home’s nuances and quite possible replacing things. With a new build, you know the history of each element. Sure, there will still be things to discover, but at least it won’t be a constant chore of replacing or upgrading.4. More energy efficient – Older homes often need more work done on them, be it HVAC systems, doors, windows or water system in order to be energy efficient. With a new build, you can be sure that the home is at the top of the efficiency technology.5. Landscaping – When you buy a home, you often need to spend time redesigning the landscaping to suit your level of involvement. With a custom home, you can decide how much time you want to invest in yardwork and plan the landscape accordingly.6. Décor – With an existing home, it is common to go in and paint. Of course, that first means putting down sheeting or taping of areas to protect it from any paint. With a custom home, the painting can be done prior to moving furniture, which make it a much easier task.If you are wanting a home that truly shows off your uniqueness, then now is the time to start planning a custom home. After all, there is no reason to settle for status quo. Talk to a local builder and learn more about having a home designed and built that suits your needs, your style and your budget. In no time at all, you can have a custom home ready to move in to.

Double-Digit Growth in a Slow Economy – A Few Great Businesses Are Doing It

Slow market growth leads to a great deal of uncertainty for business leaders. One thing that is certain is the need to find growth on the earnings line of your business. In the period of 2013 – 2015 the topic was topline growth. Our economy had been sluggish for long enough that we were all eager to get back to growth and a few critical sectors began to grow at an encouraging rate. Pent up demand was a source of optimism. Housing, one of the larger engines for overall economic growth was coming back at growth rates of 15-20%. Automotive had been recovering as well and companies started doubling-down on growth in their top line after several years of stagnation. Enjoying the rising tide is a good start, but growth only when the economy gives it to you isn’t a recipe for long-term success. You are a genius on the rise and most blame external forces on the decline. Being well positioned for the economic lifts and lulls is critical, but outperforming the market is where your company stands out.Growth in a flat market? Yes. In fact, there are opportunities that exist in that environment that make it very achievable. The sheer fact that competitors may limit their investments can actually open up opportunities, but you have to be in a different mindset than those competitors. One of the example companies we will discuss had experienced a revenue decline over three consecutive years reaching an overall decline of 37%. The timing was such that the economic news covered what was actually occurring, share loss in the core of the business. Using the techniques in this series of articles this business roared back to a growth oriented business with growth rates of 19% annually and EBIT growth of 5x. The success in revenue gains was so rapid, the company reached 100% market share with its number one and number three customers and 60% with its second largest from a base of 7% share with that customer. The economic growth of the category during this period… 4%. The leading competitor was later divested as a business from a very successful publicly traded company. This is what winning looks like with the right goals, processes, organizational structure, development, and… leadership.Investors would have been satisfied with 4% growth in line with economic factors, but the best businesses take share from others. Very few are winning right now and it comes down to the investments or lack thereof that were made to prepare companies to be winning today. The seeds are planted 18-24 months earlier. If you aren’t taking share today, you probably weren’t making the right investments 1-2 years ago. While we can’t hop in a DeLorean and go back in time, we can start now for 18-24 months from now. Some leaders feel boxed in by the lack of growth. It limits the amount that can be diverted to initiate growth plans and many companies are reducing growth investments as we speak. Will they gain share in 18-24 months or will their competitors? If they all behave in the same way, the current share-stalemate will likely continue in their category. But, what if one makes a few well positioned investments? What happens when a company from the competitive set starts to take market share? Two things, first one or more of the set are then losing share. Second, they have momentum. Momentum that takes a lot of energy to catch up with by those who decide to compete for that market share. Being in a holding pattern, waiting for the next budget cycle, etc. means you are positioned to be at risk as one of the market share donors to a growth oriented competitor.Is growth possible in a slow market?I was appointed President of a company that had declined in sales of 37% in three years. The change in strategic direction led to growth of 75% in the 3 years following. While the leadership change was a critical component it was more about making a shift in strategic direction rather than just making a change in the leader of the organization. How did a modest sized company of $180m in sales take $60m in business from the largest competitor in their industry with multi-billion dollar scale? They certainly didn’t outspend their rival. In fact, this gain was achieved without making an acquisition, without adding to facilities, and by adding only a staff of 3 incremental people. Our first revenue began just 12 months after the concept was developed and reached $60m in 3 years. To the scale leader in the industry, the $60m loss represented approximately 2% of sales. On the surface it sounds irrelevant, but what if the economy is only giving 3-4% growth and you lose 2%, well it means you underperform expectations. Think about the flipside at the $180m company that earned growth of 33%? They are truly creators of value for their investors.There is no single recipe for this kind of performance. You have to use all of your tools. You have to focus on the entirety of your business. This series will discuss all of those areas and results oriented approaches to achievement.Optimism for pent-up demand has started to wane in 2016. Businesses I speak with are now in a transitional state and confused in many cases. There is an evident shift toward indecisiveness and cost reduction. The obvious truth is that it should never be a choice between growth and cost. This is where “And” comes in. We have to drive high yield revenue and better business efficiency consistently. Too often we limit our businesses by believing it is one or the other. Suggesting that one or the other is more important, takes half your team off the field. If cost is emphasized, are sales leaders striving as hard as they should for new revenue? If revenue is the single thrust of the company, is operations really driving costs as low as possible? Is SG&A drifting out of control if revenues slow? Perhaps.Growing in a slow economy is entirely achievable, but typically only for a single competitor in the competitive set. The competitor that positions themselves to grow. You should be able to identify one or more specific initiatives that are driving growth in your business. This should be a literal connection rather than speculation. If you launch new products and sales increase you may assume it is from the launch, but I suggest digging into the data and knowing where the sales gains are actually coming from. If you have an initiative to enter new customers and you can track the addition of new customers and the associated sales to those customers, you are on the right track. So long as there aren’t offsetting losses somewhere else, you are likely growing share at someone else’s expense. If you cannot tie the growth in the business to one or more specific initiatives, you are probably just going with the flow. Rising when the market rises, declining when the market declines. It is possible you will gain if your competition falters, but it is as likely you could lose if your competition steps up their game.This series of articles is not focused only on revenue growth. It is focused on earnings growth. Earnings growth is the measure of achievement. Lower costs, increased revenue, new customers, new products, and the list of favorable topics we often discuss are good indicators, but how often do we see great signs, yet a disappointing fall through to the EBIT line? It is all too common. So, step one for the CEO, division President, or COO is to set the right goal. A singular goal of the EBIT line. Everything else is a Key Process Indicator (KPI). KPIs are wonderful tools and discussed at length in this series. KPIs, however, are not currency. Nor are ratios. Ratios like return on sales, return on invested capital, return on assets, gross margin, etc. are measures of the businesses efficiency at producing… EBIT dollars. Dollars are currency, fuel, and appeal for your investors. Too often we lose sight of the singular goal and drive for achieving our KPIs and ratios. While important, if we hit 6 of 10 do we have the optimum EBIT generation? Maybe.Even respected managers and Vice Presidents are often misguided by the ratios we use. I frequently encountered resistance to new business initiatives as President of these companies because an initiative appeared “dilutive” to the business as a whole. This comes from living the ratios rather than living the EBIT. A business with a 15% operating income looking at adding sales that deliver 12% operating income would see these new sales as dilutive to the overall business operating income. Perhaps it drops to 13.5%. However, there are more EBIT dollars in total. Imagine, turning away profitable sales just because they are slightly less profitable units than your current units. That is what we do every day when we live the ratios. It happens frequently at all levels of organizations when they are not focused properly. This leaves available business for our competition to pick up and limits some of our growth. There are measures your investors care about and EBIT is the basis. Earnings per share are not influenced by revenue, but by the creation of EBIT dollars. If you are a private company it won’t be value in EPS, but in the multiple applied to value the business. More EBIT dollars times the multiple leads to a higher value of their investment in the business. When we have management focused on the ratio rather than EBIT we have them focused on something not entirely aligned with our investors. When I hear a business unit President or CEO describe a business as a 15% business I know that cascades through the management team as a company led by the ratios not by the earnings.My advice is to use KPIs to measure achievement of goals cascaded through the organization and ratios when you are measuring your efficiency. Keep the ratios in the boardroom and with investors. Keep the KPIs with your management team and cascading as far as you can in the organization where points of control exist for that KPI. We will talk in this series much more on setting goals, cascading goals, establishing and measuring KPIs, and aligning responsibilities in later sections.Organizations can become distracted by their KPIs and charts and lose focus on the actual results. It is imperative we not get distracted by activity and charts and not realize bottom line impact.A few good… ideasKPIs alone lead to no growth or profit improvement. You need ideas. We can set a goal for growth with a given customer and measure it monthly, but without an idea it may be a waste of time. Now, perhaps your team has been idling by and not putting forth full effort. The mere setting of a goal and tracking it might stimulate extra effort and create some movement. I suspect that is not often the case and I doubt it is a sustainable growth strategy. Remember, you have to build on today’s growth. The “work harder” strategy is a one-timer. You need an idea, preferably a few good ones. They can come from anywhere, but if the organization is not accustomed to having them or not accustomed to running with them, it will fall on the CEO, President, COO, senior VP, etc. to get the ball rolling.There are natural idea people. Hopefully you have a few, but you likely don’t know who they are. Most likely they are people who propose things in meetings that get dismissed. That thing that was dismissed… was probably the beginning of that idea you need. They were probably onto something that others were overlooking. Listening is the start of an idea followed closely by looking. The senior leadership of your organization needs to embrace ideas, foster them, and leverage them. Listening can start with listening to customers, coworkers, competitors, the people in your plants, and surrounding your business. Often times the ideas are incomplete and have to be pieced together. It is rare that an idea just pops in from nowhere. It often starts as a statement of a problem with no following solution. The solution is where your idea fits in. Embracing problems leads to embracing ideas for growth.The growth idea hierarchyLevel – 1 Permission to growThis is a focus on fixing your own performance problems that could limit customers’ willingness to award you new business. Your employees and customers can identify these problems. They are areas of delay and underperformance in your business cycle. They often start with “it takes too long to… “. It may be that your delivery performance is average or your customer call center is closed by 3:00 on the west coast. Or, that your return policy is complicated. Or, that you have damage in transit. Or, that you take a long time to process information like invoices, credits, etc. The list goes on and on, but until your business is a good business partner, desirably the leader in these attributes, you do not have “permission to grow” from your customers. They are not likely to shift a portion of their business to a poor performer. If they have to make a move for some reason they will possibly try someone new over a so-so performer already supplying them.Level 2 – Opportunity knocksWhere are the soft spots in the market. Is there a struggling competitor? Who is in the news? Is your customer struggling? Jumping in to aide a struggling customer is a great growth lever. We did just this in the hardware category and it led to great growth. The customer’s struggles were not financial, they were performance based. Their sales comps were erratic. The merchant needed more consistent performance. We listened and returned with an idea. We built a rapid deployment promotional model to be dropped into 500 stores on a moment’s notice. If the merchant was seeing soft demand, we were the only supplier with a ready to ship promotional program to lift sales within a few days. It infused value and lifted category sales and we got the call every time. It formed a relationship that led to reaching 100% share with the customer.Level 3 – Unmet needsWhat can we listen for in needs? On a single occasion I listened to a customer express a need to the person sitting next to me and within 60 minutes, my company was set in motion to build a new program that reached $60m in sales. While the person next to me was saying “no thank you”, I was sketching out an idea. There were any number of unattractive things about the need expressed, but each one could be overcome if you stopped to consider how. The combination of eliminating those barriers ended up being a better idea for the product overall and when the new idea hit stores… it sold at a rate 18% better than the program it replaced. Before you knew it, it was in 2,000 stores lifting customer sales and ours.Level 4 – The thing no one even thought to ask forWhile leading a faucet business’ commercialization effort I discovered we had an interesting technology in our R&D team, but it was nearly doomed because of cost and perceived complexity. Not to mention no one was asking for a faucet you could turn on by a touch or bump of the wrist. Once we had matured through all the levels of idea generation, we needed that next level that no one asked for. It gets harder as you go and level 4 is the most challenging. The touch-activated faucet would be the most expensive faucet we made. It would be the first to integrate electronics into a faucet meant for the home. It would challenge the plumber or homeowner to not only install the faucet, but to install the necessary electronics, which were likely foreign to them. It would be the first of it’s kind, so likely we would live through the debugging phase along with our customer. Not to mention we had never been asked by a homeowner, a plumber, a retailer, or anyone for that matter to create it. It was a great idea. We just didn’t know it yet. Remember when I said that your idea generators are likely those people who tossed out an idea that was dismissed in a meeting? The touch faucet died 100 deaths in meetings. It was a terrible idea and everyone knew it, just ask around. Fortunately, a few people actually spent the time to research it. We found that no one asked because they couldn’t conceive of it at the time, but once shown it, they wanted it. In our research sessions “where can I buy this?” was the most common question. The consumer had no idea what a bad idea this was. Most of our team applied their filters and logic, not the end user’s.The touch-activated faucet was one of the biggest game changers to hit the market. Surrounded by a solid advertising campaign it drove demand for people to replace faucets that were perfectly good just to get the feature. I visited a Home Depot one day and I was listening as usual. I stopped to talk to the plumbing associate, you know, the guy in the orange apron. I told him who I was and whom I worked for and that I was just looking at the aisle to see what was going on. I did this often. I said “let me know if you need anything.” He did. He said “I need those touch faucets”. We had not shipped the first unit yet. We had been advertising because we thought it would take some time to create a little demand. I asked why he needed it. He then let me in on the fact people had been in asking for it and that he had a list of people to call when they came in. I had to know. I had to know how many were on the list. It was 11 people who were waiting. 11 people at one store. There are over 2,000 stores. Not all stores had 11 on a list, but there was demand. The best part they knew and the plumbing associate knew what brand it was. It was a key building block of pushing a brand from third place to first place in just a few years.Once you are listening, start looking… closely.It also pays to look. Growth of the EBIT line is not just from revenue, but improving the yield of all that revenue we already have. I refer to it as our business efficiency. Most refer to it as cost. To me cost leads us down other paths like cost of goods and SG&A. Important ones to be sure, but not the same as business efficiency. Business efficiency to me is the elimination of waste. Duplication of inventory, extra labor, extra movement, higher transportation costs, delays that increase our lead-time, any one of 1,000 things that make us less financially efficient beyond just our cost of goods sold. Looking is how we tend to uncover these inefficiencies. Could a person actively look and discover $8m in cost inefficiencies in a business of $180m? Yes. More significantly, the organization already thought they were the picture of efficiency. This is because they were more efficient today than yesterday. They used the wrong yardstick. They measured off of previous performance, not optimum state.A hardware company I was appointed to as President had a number of business inefficiencies, but was improving. Every day was a bit better than the previous, so we were on the right track. We were just not aiming high enough and not looking closely enough. I found three key areas that led to enormous business efficiency gains by looking first hand. Walking our distribution center I found several pallet locations that were occupied by one tiny carton. I asked if there was another location in the DC for that exact SKU. There was. In fact there were many. Looking at those, they were all partially used. I also found cartons in other areas covered with dust. The first clue in how old the inventory was. Observation number three came when looking at incoming containers from Asia. There was empty space. Why? We could have stuffed it with anything and that anything would have shipped essentially for free. With these three visual observations I started investigation warehouse utilization, excess and obsolete inventory, and container utilization. When I first asked, I was told we were world class in all three. It would have been easy to accept that point of view and say, “thanks for looking into it.” I wasn’t looking to be a little better than yesterday. I wanted to eliminate these three waste streams and take it to the EBIT line. Or, I could choose to use it as pricing power to gain some business. Anything is better than applying those dollars as we were, in waste.Warehouse utilization – After analysis by a few bright minds, we set a goal to empty 20,000 pallet locations from a total of 50,000. We might have been the first management team ever that set a goal to use less of our fixed overhead. That’s right, we wanted to empty out 40% of our warehouse and leave it empty. Once we achieved that we could consolidate a second warehouse into our primary and we could even take on a tenant in the remaining space. Closing the second DC resulted in $2m saved. Bringing in a tenant resulted in $1m in benefit by distributing a sister company’s goods using our fixed overhead. Later, the luxury of this new found space allowed us to enter a new business selling a new category of products without having to add fixed overhead, so it facilitated our growth. Not bad for just the first of three visual observations. A $3m improvement in business efficiency.Excess and Obsolete inventory – We peaked at $15m in E&O at one point. There were all kinds of reasons, but all manageable. From my broader observations which included looking at customer level P&Ls, inventory reports, monthly adjustments for E&O led me to the realization Rome was built in just a few days. A few days a year created the mass of E&O. They were events that could be managed differently. We set an E&O goal not to sell it off, which was our previous goal, but to minimize creation of new E&O. I set the figure at $100k per month in new E&O, which would be a maximum of $1.2m per year. I was met with warm smiles and one party who told me it wouldn’t be possible because our best ever was $5m. We set the goal. We measured it monthly. We had a variety of people accountable to physically report out each month on their area of ownership in E&O creation. Our inventory planning group stepped up with great analytics and reduced our risk by better planning and management. The real tipping point came from the sales team. One lucky sales leader had to show a $400k write off in their review one month. Just the opportunity we had been waiting for. An event we could learn from. In this case a large customer discontinued an item and decided to do it immediately. We had $400k in inventory on hand and no other customer. E&O was born. However, we did something about it. We discussed with our sales lead that we needed to go back to the customer and firmly suggest they take the inventory and sell it through. It was reasonable, but we hadn’t always done this. We acknowledged that a discount may be necessary, but we had to get it sold through before it was gone from shelves. That is when the real dust builds up in the warehouse. She held 3 calls with the customer and sold all of the inventory through giving a reasonable discount to move it. The result of this one example? Not a $400k write off on our P&L, but revenue of $600k. We were on our way. Two years later after I moved to another division, I visited and went straight to the E&O keeper. I had to know what the number was. Was it $1.2m as we set in the goal? No, it was $800k. The company had eliminated a waste stream of $14.2m that spanned years. In a single year it was work approximately $3m in EBIT.Container utilization – A partially filled container is hardly a smoking gun, but it did led me to wonder about the thousands of containers we brought in annually. How full were they? Were they partial because of weight restrictions? Could we manage inventories so that we could cube them out? The first answer was that it wasn’t a big problem and that we were “very good” at managing container utilization. OK, lets keep looking. I looked at a dozen over a week. I saw too much air inside. I asked for the data and found we were 85% utilized. Every 1% utilization was worth $300k per year in freight costs. Getting to 95% would be worth $3m in essentially free freight. We set a goal of 95% then put people in place who were accountable for reporting their plans and progress monthly. The first 5% was achieved through great management by our team in Asia that worked with suppliers and photographed each outbound container. Inventory planners placed orders that more aligned with filling a container rather than a convenient order size. The next 5% required more effort and a broader team. This is the important part. Someone had to lose in their KPI for the company to gain. The next 5% was essentially taken up by pallets loading the goods. Taking out the pallets and floor loading was going to help our container utilization, but hurt our labor productivity unloading. This became a team win, not an individual one. We experimented with a few containers and methods of receiving, while there was additional labor in receiving we found methods to keep it in check while driving a net savings. Rather than saving $3m we saved a mere $2.5m.That is $8.5m saved in business efficiency from looking. It requires curiosity. If you look at your distribution center or factory and see boxes, you walked by too quickly. I saw dust on some. I saw small cartons in some. I saw air space in containers. You have to wonder why in each case or you get nowhere.Achieving our goal of EBIT growth is the combination of driving business growth that not only takes advantage of market growth, but incremental share gain and the highest level of business efficiency. This series will discuss in depth how to achieve this goal by driving high yield growth and discover greater business efficiency in organizations who will be positioned to deliver greater than expected value for investors.

Fashion Trends and Styles – Cultured Pearls or Tote bags

A single strand of classic cultured pearls is always in fashion. The Autumn/Winter fashion season is at its best. Each year, on fashion runways from New York to Paris, Milan, and Toyko, sterling silver is “new again” as designers interpret it in new and exciting ways.Now non-celebrities may purchase the pin in sterling silver pin to demonstrate both their commitment to peace and their fashion sense. Think of Fall – Winter fashion trends as the darker, richer version of spring and summer trends: turquoise turns to teal, gauze becomes wool, camisoles become romantic blouses. Accessorize to suit your style and you are all set no matter what the fashion trends are.In order to keep up with the latest trends in fashion, consider building your wardrobe around staple items that are sure to be in style regardless of the season. Sleeveless tops are the latest trend in sports fashion. Look around yourself and you will notice that most of the top athletes like Rafael Nadal and Carlos Moya adore them. Cloth purses are very casual fashion items, so colorful fabrics and whimsical patterns are the strongest trend.Tote bags are the most casual fashion accessory of all, and perfect for the beach, for picnics, or for a little shopping. With one glance through a fashion magazine, the importance of sunglasses as a summer fashion accessory becomes very apparent. Bridget Allen has worked for many years in the fashion industry, at a senior level, and she has written an amazing, totally free fashionista minicourse that will thrill, entertain, and most importantly educate you about what you absolutely need to know about fashion.Hairstyles fashion trends are all easy do’s and don’t require heavy makeup or jewelry. Sample a bit from each Fall – Winter fashion trend and mix it in a unique way, making it personal with jewelry, color and layering. Pearl jewelry with more designs is also a somewhat comeback in fashion trend.At the fashion shows, bows and sashes adorn every conceivable place on a garment – top, bottom, front and back. About half of the people wearing color contact lenses don’t have any vision problems – for them color contacts are just fashion accessories. A good example of “definition” color contacts is Freshlook Dimensions by Ciba Vision.They never seem to be out of fashion. Reflecting our country’s growing sense of nostalgia for less-complicated times, fashion this spring will represent a “return to innocence”. Many of today’s youth enjoy making their own jewelry and spring break provides the perfect opportunity for them to showcase their work.Belly rings and belly chains are available in many designs, but perhaps one of the best-selling designs for college students on spring break is one that features Greek society symbols. Flowers People at 1-800-FLORALS, third-generation retail and wholesale florists specialize in fresh flowers, custom floral designs, and nationwide flower delivery. Traditional red may dominate the Christmas season again this year, but watch out for a greater variety of fresh evergreens, berries, roes and accents.We have given you a taste of the basic thats in and ‘happening’ this season. Trousers are around in many styles, including skinny ones carrying on from last season and high-waisted, pleat-fronted for the very slim. Layered looks provide one of the hottest trends with multiple strands from short to very long.o Cropped pants – If you see pants that are too long to classify in the shorts category and too short to qualify as the regular long pants those are referred as cropped pants.o Cuffed pants- Many of the cuffed pants are also cropped. Drawstrings pants or Nadal style Capri will complement your sweatshirt while going to the Gym and later in warming up.A casual yet stylish sweatshirt will be perfect to help your body warming up. The perfect jacket is one of the most important elements of your wardrobe, and with so many shapes and fabrics available this fall, it would be a crime to choose just one.

Why You Need to Use Google Analytics on Your Facebook Business Page

As a business owner, you may be making the most of your online presence via using social networking sites, such as Facebook, LinkedIn and Twitter to reach new audiences and promote your products and services. But are you using the right tools to keep track of who is finding you and how?What’s the point of going to all the effort of marketing yourself online and connecting with your target market, if you don’t if it is having any effect and you are not tracking your statistics?If you are savvy, you’ll already know that Google Analytics is a must in any Internet-based enterprise. Google Analytics provide a comprehensive overview of how visitors to your website or blog find and navigate your website/blog. It also offers insights into how to best optimise your online presence.Did you know that you can now use Google Analytics to monitor visitors to your Facebook Business page (formerly called your Facebook Fan page)? Whilst many business owners have been aware of, and using, Google Analytics for some time, very few have taken the next step of adding Google Analytics to their Facebook Business page.With so many people and companies now gravitating towards Facebook for marketing purposes, doesn’t it make sense to track where the eyeballs are heading?As a business owner, you now need to treat your Facebook business page just as seriously as you do your “official” website or blog. You’ve taken the step of investing time and money in creating a Facebook business page, so utilizing Google’s advanced Analytics tool is definitely the right next step to take.While Facebook already provides statistics for your Facebook Business page through its Insights, what you’ll find is they are extremely limited. You’ll only see the number of monthly active users, daily new likes, daily post views and daily post feedback. With Google Analytics, you get a far more comprehensive information snapshot, which includes graphs, maps and specific numbers.Google Analytics also provides information on the number of visits, page views, pages visited, bounce rate, average time on site, new visits and location of visitors. Can you see how valuable it would be to be able to see exactly where your Facebook business page visitors are spending their time and which tabs they are looking at? Armed with this information, you can them optimize and market on the tabs that are getting the most visits and traffic. Doesn’t it make sense, then, to add Google Analytics on your Facebook Business page?Having Google Analytics is really beneficial for any kind of business. Through this tool, entrepreneurs can keep track of the status of their businesses and from there take action on how to improve their marketing strategies. Specifically, you can then make changes in terms of improving your website and Facebook business page, increasing conversions and making more money online.In addition, you can automate Google Analytics for your convenience. Once it is set up properly, you can receive reports right to your inbox as often as you like (eg: weekly) to allow you to review how your Facebook page performed for the week and where the visitors to your page spent their time.

An Inside Look at the Importance of a Smile in Sales

If you’re in sales, then you’ve probably heard all sorts of advice, from “don’t oversell” to “focus on solving problems.” However, one of the best pieces of advice that many forget is to smile! After all, your smile is one of the first features people notice about you, and it plays an essential role in the first impression you make. Keep reading to learn all about the importance of a smile in sales (as well as how cosmetic dentistry can help!).

Smile: Your Sale Depends on It!

Knowing your product and knowing your audience are key in sales. However, you don’t get far if your client doesn’t trust you or believe you. That’s why it’s so important to make a good first impression! Here are a few ways a smile can help:

• Smiling is more powerful than you might think – One study found that smiling has the same effect on our brain as $25,000 in cash!

• Smiling communicates your state of mind – Smiling is a non-verbal cue that you are happy to be where you are, that you are confident in your product, and that you are ready and willing to help.

• Smiling creates a ripple effect of positivity – Have you ever seen a friend yawn and done the same? Or seen someone take a sip of water and immediately realized you’re thirsty? Thanks to the mirroring neurons in our brains, we naturally mimic the behavior of those around us.

But What If You Don’t Like Your Smile?

If you don’t like your smile, don’t worry – that’s where cosmetic dentistry comes in. Whether you’re struggling with misaligned, misshapen, cracked, or otherwise imperfect teeth, your smile goals aren’t out of reach. The first step? Scheduling an appointment with a skilled cosmetic dentist. For both my father and myself, providing high-quality, personalized, and judgment-free dentistry is a passion. There’s truly nothing better than seeing someone walk out of our office with a dazzling, confident smile! So, don’t wait to make your dream smile a reality – it could make all of the difference when it comes to your personal and professional life!

Where to buy beautiful rugs, floor mats and more.

Where to buy beautiful rugs, floor mats and more. Including unique t-shirts, dresses, bags and artworks. All in one website with free shipping worldwide!

QueenNoble.com is the exclusive online art gallery and home décor online store where items were designed by artist QueenNoble Dr. Elle Ramirez. You can get all your home decorating needs in one place without worrying the shipping fee. You can collect all her original art pieces and open editions from your comfort zone in just few clicks. All original artworks will be shipped straight from the country of exhibition with free shipping worldwide. Home décor on QueenNoble is not your usual home decoration items. Every items were designed by QueenNoble Dr. Elle Ramirez exclusively made from handmade paintings turned to manipulated photos to make stunning designs for every home décor items such as the rugs, lamps, wall decors and more. Of course the original artworks of QueenNoble are all available to every collectors who collect only original artworks. The prints are premium quality, framed and ready to hang for everyone’s convenience. Rugs, lamps, pillows and others are designed by QueenNoble, and then manufactured by partnered companies in Europe and in The United States.

The artist And Designer QueenNoble

Dr. Elle Ramirez also known as QueenNoble is an American international fine arts artist, designer, sculptor, photographer and an author. Dr. Ramirez creates rare textured and embossed abstract artworks from wall sculptures to embossed paintings. Her career began from year 2006 up to this present day. (See Wikipedia.)

QueenNoble is known for her textured and embossed abstract artworks mimicking planets, natural stones and rocks, abstract engraved portraits, several monochromatic and vivid concepts.

“Live Minimal” is one of QueenNoble’s art books released year 2021. (See Google Scholar Books)

QueenNoble is also an author of several mental health books like “Quarantine: The Challenges During Quarantine and How to Keep Our Sanity”. QueenNoble is also the author of the Novel called, “The Cart Season 1”. (See more on Amazon)

One Of A Kind Products You Can Buy On QueenNoble

One of a kind luxury collectibles with certificate. Unique items designed and curated by QueenNoble Dr. Elle Ramirez are now available on the official website. One collectible is to one collector or owner. Collectibles can be a wallet, bag, a piece of art, a furniture, a dress or a shirt and more. A first come first served basis. Handmade with love and attention. Own something that no one has in the entire world. Only on QueenNoble. What will you get on the top of that? You will receive a certificate of authenticity upon receiving your item. Free shipping worldwide. Free repair and replacement in case of a major manufacture error. Most items are handmade and are genuine leather so slight imperfections are visible which are the signs of most genuine leathers in the market. Varieties of items and vast selections although items are very quick to be sold.

Who does not want a one of a kind item? It is really disliked to run to someone with the same exact dress in an occasion or a business meeting! Now on QueenNoble not only original hand-painted artworks are available now you get to wear an art yourself anywhere and anytime. Display a furniture or a décor and be asked by a friend or a colleague, “Where can I buy one?” and of course the answer is “You can’t buy that in the market.” Because It is only one!

What happens after you buy a one of a kind on QueenNoble? The price increases yearly for 10 years. What an investment for yourself or a luxurious lifetime gift for a special someone!

From the author’s words:

If you are a collector and a shopper, QueenNoble is definitely where to go specially if you are looking for unique designer’s décor such as rugs, comforters, bags, wall art etc. A lot of selections to choose from. The designs are contemporary and modern. In one look you know where the products are from since you can only find them on queennoble.com. The processes are also very convenient and shipping is fast worldwide.

I bought a one of a kind bag. When I received it it came with an envelope consisting the certificate. The leather bag is stunning. Fast shipping and free delivery. They also offer free repair in case there is a manufacturer error for free.

Note also that if you are a merchant you can sign up on their trading program. There is a 15-30% commission. Less work for you all you do is share the url of the product and your designated coupon code which you’ll receive when you sign up and you get paid everytime someone uses your coupon code. Sound interesting right? Copy code, share url and code on your social media and earn as you go.

QueenNoble is also on Saatchiart, Artmajeur, Singulart Galleries. On QueenNoble’s original artworks, all artworks with certificate of authenticity will be shipped straight to the collector from the current exhibited country and also free shipping worldwide.

What are anti-ligature blinds?

Anti-ligature blinds are becoming increasingly popular in a range of different settings. The way these blinds differ from traditional blinds is that they are designed to prevent suicide by hanging.

Initially, uptake for this type of blind was largely restricted to high-risk environments such as psychiatric hospitals and prisons, where suicide is common. In mental health environments and detention centres, suicide via hanging is common and preventative measures must be implemented. A huge range of objects could be used to create a ligature point, meaning anti-ligature systems are highly important.

Over the years, anti-ligature blinds have been supplied to hospitals, schools, student accommodation and even hotels.

How do they work?

There are a range of different systems on the market, but the most reliable could well be the magnetic anti-ligature system. YewdaleKestrel® products utilise load release magnets which separate when a downward force is exerted on the product. This means that the product falls to the ground safely and prevents suicide via hanging.

The magnetic systems used in Yewdale’s products are highly reliable because magnets don’t lose their strength for hundreds of years, guaranteeing a lifetime of lifesaving functionality.

Anti-ligature blinds usually have a magnetic connection point above the blind’s barrel. The blind is easy to reconnect to the magnetic bracket after it has fallen to the floor.

If you are considering an anti-ligature blind, Yewdale is a highly recommended company. Based in the UK, Yewdale produce a wide range of anti-ligature products, commercial blinds, and healthcare products including hospital cubicle tracks and medical curtains.

Yewdale produce other anti-ligature products too including a soft, lightweight en-suite door and other accessories such as soap dispensers, toilet roll holder, shelves and artwork. You can see the full range on the website using the link below.

10 Unsafe Symptoms of Cell Phones Usage on Teens

10 Unsafe Symptoms of Cell Phones Usage on Teens

Over and wrong utilization of PDAs can harm mental as well as actual health. Parents might consider giving their teens cell phones for security motivations. Be that as it may, the conceivable abuse and opposite symptoms of cell phones on young people are not obscure. While it effectively is mindful of your kid’s whereabouts, taking into account its antagonistic consequences for teens is significant. As indicated by a review led by the Seat Exploration Center, around 785 of all youngsters between ages 12 and 17 have cell phones (1). It is a typical sight these days to see a gathering of youngsters standing together yet having no discussion and being engaged with themselves. Teens utilize their cell phones to call their folks and do other great and awful things. Around one of every four teens approach the web, definitely more than grown-ups. Look at the post to know whether cells are great for teenagers, the adverse consequences of PDAs, and tips on the safe use of cell phones.

Impacts Of Cell Phones On Youngsters

There is no question that a cell phone is a convenient device. It facilitates correspondence with partners, companions, and family members. However, every innovation that gives such advantages comes with a bunch of adverse consequences. The effect of cell phones on youth and society is tremendous. This region requires consideration when you are giving your high schooler a phone. This is the way PDAs influence, teens.

Teen tendonitis (TTT)
Abundance generation of messages can prompt High schooler Tendonitis (TTT). It causes torment in the hands, back, and neck because of the unfortunate stance. As per a five-year partner study, extreme phone use is known to bring about outer muscle problems, for example, tendonitis and first carpometacarpal joint pain in the lower arm and thumb.

Stress
Having a mobile phone will entice your high schooler to go the entire day talking or messaging as opposed to doing useful things. Studies have demonstrated that youngsters who invest a lot of their energy in their cells are more inclined to pressure, uneasiness, and melancholy. Research has additionally tracked down that extreme utilization of cell phones might bring about an expanded gamble of emotional well-being issues.

Sleep misfortune
Most teenagers keep their phones close by while resting to answer messages and calls and stay reachable nonstop. This might prompt rest interference and disturbance. Investigations have discovered that young people who use cell phones after the lights out experience expanded sluggishness. Additionally, undergrads who use phones after the beginning of rest are accounted for to be alert an extra 46 minutes out of every week.

Mishaps
Adolescents will quite often go to calls and text while driving, which is demonstrated to be risky. As indicated by the Places for Infectious prevention and Counteraction (CDC), adolescents are bound to be diverted more than drivers of some other age. Thus, utilizing a mobile phone while driving ought to be a severe no.

Uneasiness
Depending on messaging as an essential method of correspondence can increment uneasiness in youngsters. Messaging is right away satisfying, yet it likewise creates tension. The moment answered by a companion can give pleasure and euphoria. However, if there should be an occurrence of deferred reaction or no reaction, this equivalent joy can transform into disillusionment. Likewise, mobile phone habit can transform into a fixation to promptly take a look at messages and answer. It might likewise increment tension by making a deception that they had gotten a message in any event, when there was no message, making them regularly look at their telephones (3).

Hazard of malignant growth
Despite the fact that there’s no obvious proof of the connection between wireless use and disease, there are a few measurably huge relationships in certain individuals. Information gathered from five European nations have shown an expanded gamble of acoustic neuroma in people who utilized a cell for at least ten years.

Despite the fact that there is no unmistakable examination supporting the gamble of malignant growth and cell utilization, it is said to have a wide scope of well-being impacts.

Cyberbullying
As indicated by a review led on 13-18-year-olds by Cox Interchanges, 15% of kids had been cyberbullied on the web, 10% had been cyberbullied by cell, and 5% had cyberbullied someone else through a phone.

As indicated by a review, cyberbullying makes young people miserable and reluctant to go to class. This study has likewise observed that youngsters who are cyberbullied have a higher gamble of psychosomatic issues, for example, incessant migraines, issues nodding off, a higher pace of tension, and depression.

Cyberbullying is considerably more challenging to recognize than actual harassment as it will in general be more imperceptible. Additionally, the culprits can take cover behind the obscurity presented by the web.

Bogus distinction
The most recent advancements in cells have made it simple for youngsters to get any data. The majority of the things projected via online entertainment and the Web may not be exact, yet teens who are innocent (at their age) could view them in a serious way and get impacted. This could lead them to live in a dreamland and foster bogus renown. Some may likewise turn to wrongdoings to satisfy their dreams.

Heftiness
Steady utilization of phones may likewise cause weight in young people. As indicated by a review led by Harvard T.H Chan School of General Wellbeing, youngsters who spend more hours daily on phones are bound to become stout. The concentrate further says that youngsters who spend over five hours daily before screens are 43% bound to get less rest or exercise, bringing about weight

Vision issues
Expanded utilization of mobile phones is said to cause vision issues in young people. According to a review led by 30 clinical understudies, 83% of them were found to have wireless vision conditions. The side effects incorporate pressure, redness, consuming sensation, obscured vision, and dry eyes.

Over-the-top use of mobile phones outperforms their value and makes new issues for young people. While you may not prevent your teen from utilizing a mobile phone, it is feasible to restrict the use by laying out some guidelines.

Prior to giving wireless to your youngster, ensure they know about the focuses underneath.

Tips On Safe Use Of Cells For Youngsters

Cells are staying put, basically not at any point in the near future. Along these lines, you want to show your adolescents about cell phone security and how to dependably utilize it. They additionally need to have concurred limits for cell phone use. Here are far to stay away from the antagonistic impacts of cellphones on youngsters:

Complete weight loss strategy

For those who want to lose weight

Research on the causes of obesity, knowledge about weight loss, and various diets for weight loss are updated every year. However, with the update of knowledge and the release of diet pills one after another, the obesity rate continues to rise every year, and there is no sign of wanting to decline. I used to be very, very fat, and I am also a person who is prone to obesity.

So I understand the voices of fat people, I really want to lose weight, but I tried many ways to lose weight at that time without success.

I have tried the common boiled meals on the market, eating less and moving more, but it was not until I tried other diets that I managed to lose weight. After I lost weight, I began to study the essence and method of losing weight, and wrote him in this weight loss strategy article, hoping to help you.

A few key myths about losing weight

The weight loss myth of eating less and moving more

The phrase “eat less and move more” is actually true, but most people do it wrong. Many people think that they should eat less of everything, so they limit their calories to a very low level, and it feels a bit like eating an ultra-low-calorie fairy meal. Then, for the hyperactive part, the first thing that everyone thinks of is aerobic exercise such as running, cycling, etc., but in fact, this is a very short-term and easy way to regain weight, mainly because eating too little is an easy way to lose weight. The reason for the loss of muscle mass, coupled with the fact that aerobic training is not helpful for muscle mass growth, causes the metabolism to drop too much.

Maybe you can lose 5 kilograms in this way, but if your metabolism declines, you will easily regain the weight. And it’s all the fat that gets back up, not the muscle you lose that makes you look fatter than before. This is what we call the yo-yo effect, lose weight, get fat back, get fatter than before, lose weight, get back on Fat, get fatter than before.

Stop taking diet pills and meal replacements

At this time, you may start to seek other ways, eat weight loss meal replacements, taking diet pills, and so on. But believe me, most diet pills will inevitably hurt the body, especially the gastrointestinal tract. You may actually lose weight in the moment, but when your gastrointestinal tract is damaged, you will be fatter than before.

The key to understanding how to lose weight

You must have thought, why some people will not gain weight no matter what they eat, while some people will gain a kilogram the next day after eating a little bread? What is the cause of obesity? This is not a simple answer that can be solved!

You can see the link to the picture below, mainly talking about the influencing factors of obesity, which are very, very complicated.

Image source: https://assets.publishing.service.gov.uk/government/uploads/system/uploads/attachment_data/file/296290/obesity-map-full-hi-res.pdf

In the middle of this picture is the heat balance

So we can know that calorie balance is very important

But this article doesn’t keep preaching that calorie balance is the key to losing weight like other sites

If you don’t know what calorie balance is, you can probably imagine that our body has calorie consumption (exercise, thermogenesis, basal metabolism), and calorie intake (eating).

When calorie consumption exceeds calorie intake, the weight will drop, so the truth of weight loss is to eat less and move more, very simple. In the short term, it is really possible to simply achieve weight loss by eating less and moving more, but simplicity is not simple, because the operation of the body is very complicated. Many people think that they can control their calorie consumption, that they can achieve a lot of calorie expenditure by running all the time, and that eating fairy meals (low-calorie meals) can reduce calorie intake and then easily lose it.

However, according to research, 90% of people who use calorie control, eat less and move more to lose weight will fail or regain the weight.

Because eating less and moving more for too long, metabolism will easily drop, hormones will easily become imbalanced, and muscle mass will easily be lost. Even if you lose 10 kilograms, you will easily regain weight.

When losing weight, the body is like a factory

For me, the key to long-term weight loss and maintaining good posture is the environment in the body, such as hormones, the level of inflammation in the body, and the gastrointestinal system.

Think of the body as a factory

-Your hormones are the managers and workers of factory operations

-Inflamed condition is how good factory machinery and hardware are

-Calorie intake is wages for factories as well as fuel

If the manager of this factory is an idiot, or if the hardware in your factory is completely rotten, then no matter how it works, it will create a pile of waste. Just as our hormones are already out of balance and the level of inflammation in the body is very high, no matter how much you eat, if you don’t solve the existing problems, it will easily accumulate into fat. It may be easier to understand with a few examples.

Hormones vs Weight Loss

This study looked at the effects of sleep and weight loss

Research source: https://www.ncbi.nlm.nih.gov/pubmed/20921542

Both groups of humans were calorie-restricted, but one group slept 5.5 hours a night and the other 8.5 hours. Both groups lost weight, but the group that slept less lost 55 percent less body fat and 65 percent more muscle mass than the group that slept more. It is equivalent to losing weight, but most of the loss is muscle mass, which reduces metabolism and makes it easy to regain weight later.

There is such a big difference mainly because poor sleep has a negative impact. The imbalance of the secretion of these things will easily increase fat and reduce muscle.

This next study looks at the effect of insulin sensitivity on body composition!

Research source: https://www.ncbi.nlm.nih.gov/pubmed/19471290

Basically, many chronic metabolic diseases, obesity, and poor muscle-building effects are closely related to low insulin sensitivity. Insulin is an anti-catabolic hormone whose main function is to store nutrients in cells. For example, after heavy training, our muscles will be more sensitive to insulin, and the nutrients we eat will be more easily absorbed into the muscles. When insulin sensitivity is low, the nutrients we eat are more likely to be stored as fat rather than absorbed into muscles.

We can simply say that the nutrients in the food eaten by people who are insulin insensitive are more likely to be stored as fat, and the relative fat mass will be much higher than the muscle mass.

To put it simply, the key to losing weight is actually to improve hormones, improve inflammation in the body, and add an appropriate calorie deficit. It is not difficult to achieve a calorie deficit. What is more difficult is how to choose the type of food that suits your body to improve hormones and achieve a long-term good body.

If you only pursue short-term weight loss and rely on a lot of calorie deficits to achieve the effect of weight loss, and then the hormones are still the same after the loss, then I can guarantee that you will gain weight very easily.

With so many ways to eat on the internet, which diet should I try?

When talking about losing weight in Taiwan 30 years ago, everyone would definitely want to use boiled meals

When it came to losing weight five years ago, everyone might think of using a low-sugar diet. When it came to losing weight in the past two or three years, everyone might directly think of the ketogenic diet.

I lost 30kg in 3 months on a low-sugar diet myself for the first time, so I used to believe that a low-sugar diet was the best way to lose weight

But after my long-term understanding of weight loss-related research, genetic cognition, and observation of students, there is no diet that is most suitable for everyone! Although it is said that high-carbohydrate foods will most stimulate insulin secretion, which in turn promotes the storage of nutrients into fat, some people are naturally good at metabolizing carbohydrates, so they can still be healthy and strong after eating high-carbohydrate throughout their lives.

For example, this study compared the responses of people with high and low insulin sensitivity to high- and low-carb diets.

Research source: https://onlinelibrary.wiley.com/doi/full/10.1038/oby.2005.79

The study concluded:

-For people with high insulin sensitivity, eating high-carb and low-fat to lose weight is very helpful

-However, people who are insulin insensitive use a high-carb low-fat diet to lose fat, but the weight loss effect is not so good.

But on the contrary, studies have also shown that people with low insulin sensitivity have a very good weight loss effect on a low-carb high-fat diet, which shows that improving insulin is very important for weight loss, and it also shows that people with insulin insensitivity are more suitable

Lose weight with a high-carb diet.

So if you have been obese for a long time, you know that you eat carbohydrates easily, or you know that you have diabetes in your family and want to lose fat, then I would suggest that you can start by reducing carbohydrates, which is what we call low carb diet!

The Negative Impact of E-Levy on Mobile Banking.

DEFINITION OF TERMS

Mobile Banking is a service provided by a bank or other financial institution that allows its customers to conduct financial transactions remotely using a mobile device such as a smartphone or tablet.

Electronic Transaction Levy or “E-Levy” is a tax applied on transactions made on electronic or digital platforms.

ADVANTAGES OF MOBILE BANKING

Mobile banking offers numerous benefits such as ease of transaction, convenience, time-saving, managing your finances, and budgeting. Some advantages of Mobile Banking in remote areas include:

Financial Inclusion — mobile banking offers convenient and easy banking services to people in remote areas. Thus, it allows banking on the go and offers all benefits of a banking system to rural areas without the presence of a financial institution.

Accessing the bank 24/7 — Mobile banking provides ubiquitous banking services without the need to visit the bank to have access to services. This offers time to benefit and ease of transacting at a distance.

Cost-benefit — Mobile banking saves the banks the cost of building physical infrastructures (branches) and maintaining branches and staff. Also, reduced costs on the customer side since the burden of visiting the bank for services is eliminated.

Improving resilience in the face of poverty — Mobile money acts as both a savings vehicle and a means of transferring funds during times of economic or environmental shocks.

Strengthening the formal economy — For many micro, small, and medium enterprises (MSMEs), opening a mobile money account can facilitate access to formal financial services. Mobile money is well placed to address the issue of informality that blights many developing economies and hampers domestic resource mobilization efforts. Mobile Money enables ease of transacting, thus increasing business profits for MSMEs.

Facilitating economic growth — Mobile money has been shown to contribute to economic growth by increasing both productivity and per capita incomes

DISADVANTAGES OF E-LEVY ON MOBILE BANKING

The design of mobile money taxation policy appears to be the antithesis of a well-designed tax system. The disadvantages include:

Inequity — Mobile money taxes as currently structured to create inequity in the tax system. As the tax is mostly borne by the poor and users of the services are subject to additional taxation (unlike bank or cash transactions), the principles of both horizontal and vertical equity in the tax system are contravened.

Uncertainty -. Uncertainty and lack of transparency over taxation systems can have a direct impact on the operations of the tax authority, increasing enforcement costs, as well as discouraging investment.

Inconvenience — The administration of mobile money transaction taxes creates an inconvenience for MMPs who must calculate and collect the tax on the revenue authority’s behalf. There is an additional inconvenience for users of the service for whom remote digital transactions become more expensive or out of reach if they revert back to cash.

Inefficiency — Badly designed mobile money taxes have been shown to have a distortionary impact on demand for mobile money services. This in turn has had negative impacts on overall tax takes, as well as impacting the attainment of national economic and development goals.

EFFECT OF MOBILE BANKING — CASE STUDIES

The decision to impose taxes on mobile bank transactions will trigger so many problems.

Ghana — According to The Fourth Estate Ghana; Although the government projects a 24% decline in transactions when the levy is finally implemented, preliminary findings published by the bank of Ghana indicate the value of mobile money transactions had dropped by 3.2 billion in December 2021, less than 2 months after the proposal to introduce E-levy.

Uganda — An e-levy of 1% introduced in 2018 has led to an overall drop in the person-to-person transaction by more than 50%, and a 24% drop in industry transactions within the same year the tax was introduced according to a report by Global system for mobile communication (GSMA).

Congo — An e-levy of 1% was introduced in 2019. The government had to reverse the tax on cash outs only due to negative results of the levy on Mobile money users such as a decline in mobile money agents (unemployment) and high-value withdrawals by people.

Other countries include Benin (5%) and Cameroun (0.2%). In all these countries, the e-levy has imposed a negative effect on the economy and people. If we want to ensure the financial inclusion of people in rural areas, we need to ensure that we encourage mobile banking by withdrawing the e-levy tax.

Reference:

https://thefourthestategh.com/2022/03/16/e-levy-this-is-what-happened-when-other-african-countries-passed-it/

Purohit, S., & Arora, R. (2021). The benefits and challenges of mobile banking at the Bottom of the pyramid. Journal of Contemporary Issues in Business and Government Vol, 27(1).

Charles G. Kpan, Jr. is an Information Technologist with over 5 years of experience in the provision of Information Technology Services and an emphasis on Web Development and Visual Branding. He’s the managing Director of CYGEC IT SOLUTIONS INC. and holds a bachelor’s Degree in Information Technology from Blue Crest University, Liberia.