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The following article describes information on healthy foods for patients with type 2 diabetes. Type 2 diabetes is easy to control or even cure with a balanced diet, exercise and medication, on the off chance that it is diagnosed in its early stages.

Type 1 and type 2 diabetes are the main types of diabetes. Imbalanced blood glucose levels are the main symptom of diabetes. When cells do not react to insulin, the condition is called type 2 diabetes, or insulin resistance. The chances of developing type 2 diabetes increase with age. It develops stage by stage and may be asymptomatic in its earlier stage. A healthy diet and regular exercise help prevent or even cure diabetes.

Healthy diet for people affected by type 2 diabetes

Men who have a family history, those over the age of 45, people who are overweight, people with high blood pressure and high cholesterol levels are prone to developing type 2 diabetes. Also, overweight women or women with ovarian syndrome polycystic or women with families are at high risk of developing type 2 diabetes. Increased hunger and thirst, the urge to urinate, especially at night, slow-healing wounds are part of the main symptoms of diabetes. People diagnosed with diabetes must follow a healthy and balanced diet. A healthy diet and exercise are an important part of diabetes treatment.

Healthy Natural Foods

Meat is high in saturated fat, which increases the risk of high cholesterol levels and high blood pressure. Fruits and vegetables, whole grains, low-fat dairy, egg whites, lean meat, tofu, skinless chicken, shellfish, and low-fat fish are all natural healthy foods. Staying away from processed and junk foods is vital in case you need to control diabetes with a proper diet.

Avoid canned foods and canned sweetened juices. Instead of having organic juices, diabetics should have whole fruits. Dietary fiber aids digestion and controls hunger by keeping you full for a long time. Instead of chips, cakes, cookies, candy, donuts, and processed cheese, patients with type 2 diabetes should eat fruit, skim milk, buttermilk, high-fiber cereals, nuts, nonfat yogurt varieties, and low-fat salads. fat content. serving of mixed green dressings as snacks.

Healthy recipes for diabetics should contain unsweetened nuts and dried fruits like almonds and walnuts, seeds like pumpkin, sesame, and sunflower seeds. These natural foods help control metabolism and energy level. Spices like cinnamon, black pepper, and turmeric add to the flavor of the dish and help improve insulin function. Diabetics should consume more orange, red, yellow and dark green fruits and vegetables, as they are packed with antioxidants that eliminate the effects of free radicals in the body and boost the immune system.

People diagnosed with diabetes should avoid table sugar, ice cream, honey, cakes, and any other form of sweet. Alcoholic drinks also give sugar. Therefore, they should check the labels before consumption.

Regular exercise increases the proper functioning of all organs and helps maintain hormonal balance. The use of prescription drugs and supplements, the use of healthy foods in the diet, and regular exercise help to control type 2 diabetes.

It’s no surprise that Amazon has become the go-to place for cheap deals on things you love to buy. It is the world’s largest online retailer and its customer satisfaction rating is unparalleled. Amazon also offers several great deals and discounts to its customers. But what makes this online retailer more successful is its ease of two-day shipping. Of course, that two-day shipping comes at a price. But sometimes if you know the right ways to get free shipping on this then you won’t have to pay a single penny for that shipping. And FYI, I’m certainly talking about the legal ways to get free shipping.

Here are some ways that can help you get free two-day shipping from Amazon:

1. Amazon Prime: This paid membership program provides free two-day shipping to your family on most purchases. It costs $79 per year and after you pay it, you and your family members will not have to pay shipping costs for an entire year. But as I said earlier, I am going to tell you how to get this membership without paying a dime! Here’s the deal: Amazon is giving you the chance to sign up for a month-long free trial of Amazon Prime. At the end of this trial, your membership is automatically upgraded to “paid member” status when you charge your credit card so you can continue to use Prime membership benefits. If you do not wish to pay, you can click the “Do Not Update” button immediately after registering. You’ll still be able to use all of your Prime benefits for a month without the worry of being charged before the end of the month.
2. amazon mom: This is a free Amazon membership program, whose goal is to provide special savings to parents and caregivers. This program not only gets you free two-day shipping on all your baby product purchases, it also gets you a free three-month Amazon Prime membership. Members of the Amazon Mom program aren’t automatically upgraded to a paid membership, so you don’t need to worry about that. Even if you don’t upgrade your membership to “paid” status, you’ll still receive discounts and offers specially designed for members of the Amazon Mom program.
3. Amazon Student Program: This program is also a free membership program, whose goal is to provide special offers and savings to students. You must have a valid.edu email address to take advantage of this program. When you sign up through the Amazon Student program, you also get a free 6-month Amazon Prime membership. After the end of the trial period, you will be upgraded to a paid member automatically. If you don’t want to see that happen to you, you can cancel your student membership near the end of your trial.

As you can see from the options mentioned above, saving on shipping on your Amazon purchases isn’t really difficult if you sign up through the right program. Try them today and save on shipping costs!

It is human nature to doubt the claims of someone who has already lied or deceived you. So, the spouse who had an affair may claim that he is beyond sorry, embarrassed, embarrassed, and even mortified by his behavior. But his wife can’t help but wonder why he wasn’t feeling any of these emotions when he was having the affair. Many people wonder how “real” these claims really are.

You might hear someone say something like, “Here’s what I want to know. Are cheaters really embarrassed or embarrassed by their behavior? This is why I’m asking. In the last two months, two of my very good friends found out their husbands were cheating. Coincidentally, my husband and I were attending a sporting event that was popular and drew a large crowd. We actually saw one of these men with the other woman. Instead of sneaking out and trying to hide from us (which is what I would have done) this guy literally puffed out his chest like he was proud to be seen with this much younger woman. He looked at my husband like my husband should be envious. This guy acted like he was ecstatic that he was with a woman young enough to be his daughter while his family was home and heartbroken, and yet the wife had told me that he was begging her not to give him up. she left her as she told him how embarrassed she was. Well, he sure didn’t seem embarrassed to me. , one of my best friends is full of guilt because her old boyfriend looked her up on Facebook and she didn’t tell her husband right away. Nothing happened. She gave the boy a quick reply telling him how happily married she was. This was not cheating. And yet my friend is so embarrassed, like she did something wrong. I’ve heard people on TV say that cheaters are embarrassed, but I don’t believe it. It seems to me that people who don’t get to cheat are embarrassed or embarrassed, while real, blatant cheaters don’t.”

I can understand why it would appear this way. And I would probably assume the same in a similar situation. In fact, I often doubted my own husband’s supposed embarrassment because I thought most of that embarrassment was happening simply because he got caught. But, once I started writing articles on this topic and started getting responses, I have to say that I heard from many people who deeply regretted cheating on their spouses and felt very deep shame. Granted, so very rarely do I hear of the outraged cheater feeling little to no remorse, but I know there are people who do. So I can’t say precisely what percentage of people who cheat are ashamed.

But I sincerely believe that some do. And my theory on this is that the higher the quality of the person and the stronger his character, the more likely he is to feel shame. Because let’s be real. A cheating husband who never does what is right, who cheats with his taxes, is stingy with his emotions, and who is cruel to others will not feel much shame when he cheats because this is the norm for him. It is in his character to act in a way that most of us would find unpleasant.

But people who are known to be good, decent, and caring in all other areas of their lives and who make a mistake usually feel real remorse and real shame. Now, I’m not going to tell you that these good people don’t compartmentalize or try to find a justification for their behavior. If they couldn’t do this, then they might not be able to carry out their deception. I’m also not going to tell you that good people don’t try to take a stand and pretend they feel they had their reasons, even though in their hearts they know they didn’t.

But usually, when good people see the pain in their spouse’s eyes and take the time to look honestly at what they’ve done and who they’ve hurt, then yes, they are ashamed and often very ashamed. . This is just my opinion from the things I’ve seen and the stories I hear. But I do believe that there is often regret and remorse, even if it is suppressed. But I also think it depends on the character of the person you’re talking about.

There is a continuing problem in the offices of the Recorders of Deeds in every county in this country. There is a record failure with every transfer of interest on real estate mortgages. This intensified and dynamized with the advent of ELECTRONIC MORTGAGE REGISTRATION SYSTEMS (MERSCORP). Pennsylvania has some very strict and unique laws and statutes meant to prevent that problem, but here we are, with a huge amount of confusing titles all over the state.

Ms. Nancy Becker Montgomery County Recorder of Deeds has made some headway with the recent July 1, 2014 decision in US District Court ED Pennsylvania v. MERSCORP (ELECTRONIC MORTGAGE RECORDING SYSTEMS):

“…Declared that Defendants are required to create and record written documents commemorating transfers of debt/notes that are secured by real estate mortgages in the Commonwealth of Pennsylvania for all such past, present, and future transfers of debt in the Recording Office of Deeds in the county where such property is located…to the extent such transfers of debt/mortgage notes are transfers within the meaning of Pennsylvania law, failure to document and record violates the Registration Laws of Pennsylvania.”

That momentous, but long overdue decision, with the well thought out Law Memorandum alone, does not clean up the records in any of the Registrars of Deeds offices in any county. None of the mortgages currently registered more than nine months old with ELECTRONIC MORTGAGE RECORDING SYSTEMS as a nominee of the Original Lender, have any party registered in the offices of the Registrar of Deeds with the ability to assign or satisfy the mortgage without creating a forgery legal, as the true beneficial interest on the mortgage loan has not been recorded as required within the time limit established by the legislature in 21 Pa. Stat. 621, most original transfers are made between 1 and 90 days after settlement.

Our courts across the state are clogged with fraudulent foreclosures, using falsified mortgage assignments. Similarly, there are registrars of deeds all over the state who are trying to help people who are trying to liquidate their property in a sale, but are unable to do so due to the mess in the records caused by this failure to record who the party is. real with beneficial interest. At that time.

Few, if any, of the Foreclosure Defendants know that the foreclosure party is not the interest-bearing party on your loan, and you may be in for a bad awakening. Also, most judges are half asleep and accept all Assignments as genuine, not believing foreclosure defendants when they claim, EVEN WITH EVIDENCE, that the assignment is a forgery, even though it usually is. Also, people who have sold their houses or been foreclosed on are being foreclosed a second time, and some people who bought a house for cash are being foreclosed on (or so I’ve read on the internet).

We must hold the legal profession accountable for the due diligence they must perform before accepting a foreclosure case, and to ensure that the Assignment is genuinely beneficial interest. Require a MERS MIN SUMMARY and MILESTONES Report detailing all Mortgage Note transfers in mortgages that have ELECTRONIC MORTGAGE REGISTRATION SYSTEMS, or hire a specialized private investigator to investigate the securitization of the mortgage and reject the case if there is no absolutely clean result. chain of title, attaching all documentation to your foreclosure claims under penalty of forgery and fraud.

MERSCORP and its members have been cutting off all counties of their due registration rights and the correct assignments for each mortgage. The Federal Court will decide the amounts to be distributed to each county in the class action case brought by Nancy Becker. But what will happen to all the people with cloudy titles to your property? How will they know where to write to get satisfaction from a Mortgage that would NOT be a fake? If no party is recorded with the ability to service the mortgage, where does that leave the people who have faithfully paid their mortgage? With a falsified Mortgage Satisfaction, if any?

There are no guarantees when all the records are screwed. Do you have ELECTRONIC MORTGAGE RECORDING SYSTEMS on YOUR mortgage? What are your plans to clear title to your property? What is the District Attorney in YOUR area doing about this problem? Will you hold the lawyers who perpetrate these forgeries accountable in court? And the judges? They should already KNOW who the MERS, MERSCORP, or ELECTRONIC MORTGAGE REGISTRATION SYSTEMS are and how they screwed up the cadastres of the entire country. Will they continue to allow these counterfeits to go unchallenged and undiminished?

MERSCORP and its members are the ones who made the decision to cloud the titles. This has cost each county enormous amounts of money, in lost fees and social services. Let’s help our local recorder of deeds and silence the titles of every property that has ELECTRONIC MORTGAGE RECORDING SYSTEMS anywhere in the chain of titles. That way, the title to your property is cleared, even though you still owe the Note. That will solve at least part of the problem and prevent homelessness at the same time.

Here’s a breakdown of each AFC team, including the prediction standings by division.

AFC West

Buffalo Bills (6-10) As we all know, they are still stuck in an endless rebuilding phase. His incoming draft class looks promising, but CJ Spiller alone won’t be able to revive a franchise plagued by a banged-up QB and defensive inconsistencies.

Miami Dolphins (8-8) Miami will definitely benefit Brandon Marshall’s on-field skills and ability to rise to the occasion; no player other than Chad Henne. It will be interesting to see how trainer Tony Sparano and co. use the wildcat this season and whether they will get the advantage they needed last year. With a tough schedule early on, the Dolphins will need a spark from their playmakers on both sides of the ball to keep up with the rest of the division.

New York Jets (9-7) So far, the Jets have been the Paris Hilton of NFL preseason: They know how to make headlines, but what else do they bring to the table? They’ve made some good offseason acquisitions, most notably Santonio Holmes, Jason Taylor and Johnny Appleseed himself: Antonio Cromartie. But with OLB Calvin Pace out indefinitely and Revis Island still out of sight, last year’s No. 1 defense doesn’t seem all that difficult. Still, Jets fans shouldn’t be too worried; they can still rely on having a tough D and O line that should get their way with anyone they go up against. I’d be surprised if the Jets aren’t a WildCard team when all is said and done.

New England Patriots (10-6) The Pats are my pick to win the division. Wes Welker’s speedy recovery will be huge for them. The signing of Algie Crumpler and the growth of Julian Edelman will complement Moss and Welker in passing attack. The key is for them to use their speed at D effectively and generate turnovers.

AFC North

Cleveland Browns (5-11) The Browns have gotten used to being the worst in the AFC North, maybe the Cavs should do the same. Last year’s less productive offense needs a big jolt of energy. Hopefully Joshua Cribbs can continue to be a special teams sensation and Mohamed Massaquoi can rescue Jake Delhomme, who will no doubt struggle in this division. The Browns should look to last season’s 4-0 finish for inspiration.

Cincinnati Bengals (8-8) Ochocinco and company. he seemed to be on the rise, but his free fall into the playoffs at the end of the season worried me. The addition of first-round TO and TE Jermaine Gresham will help prepare Carson Palmer better, but Cincy needs repeat performances from Cedric Benson and defense from him to compete with the top dogs in the AFC North.

Pittsburgh Steelers (10-6) Mike Tomlin’s team is my second AFC Wild Card selection (along with the Jets). Big Ben’s absence early on will help establish Rashard Mendenhall in the running game. Look to Mike Wallace to emerge as your big play WR, and Troy Polamalu (and his $1 million fury locks) to get your defense close to where they were for their Super Bowl 2 years ago.

Baltimore Ravens (11-5) The Ravens will be hailed as this year’s AFC North champions. Aside from their ongoing struggles in the secondary, the Ravens are looking to capitalize on Flacco’s new target in Anquan Boldin, as well as Ray Rice’s utter dominance off the field.

AFC South

Jacksonville Jaguars (7-9) Arguably the most streaky division, the Jaguars don’t seem to have done enough in the offseason to improve on last year’s record. Maurice Jones-Drew should keep them competitive, but his Front 7 will have a hard time taking on offenses led by Peyton Manning, Matt Schaub and Vince Young in their cross-division matchups.

Tennessee Titans (8-8) The final question: who appears, the team that started 0-6 or the one that finished the season 8-2. Chris Johnson and Vince Young may be the most dynamic double in the league, but the defense needs to fill the void left by Keith Bulluck, Kyle Vanden Bosch and, let’s face it, Albert Haynesworth.

Houston Texans (9-7) The connection between Matt Schaub and Andre Johnson rivals the best in the NFL, and with Owen Daniels healthy, his passing attack could be lethal. If their backfield can become a legitimate concern for the teams they’re up against, they’ll be able to steal a few games here and there.

Indianapolis Colts (12-4) Last year’s Super Bowl loss could mean this AFC South powerhouse will play with a bit of a chip on his shoulder. Put Peyton Manning on any team and he’ll win you at least 9 games. Then throw in possibly the deepest receiving corpse in the league, and they’ll earn you 12. If that defense can be strengthened and Bob Sanders returns to full form, this group may be flirting with a repeat trip to the big game.

AFC West

Oakland Raiders (6-10) It looks like Jason Campbell is back on track after a preseason injury, which is good news for a team that hasn’t had a formidable QB threat since the Rich Gannon era (remember that guy?). The Raiders are putting some good pieces on both sides of the ball, but they’re still a world away from getting to the next level of competitive play.

Kansas City Chiefs (6-10) A solid RB duo will definitely help Matt Cassel, as will his former Patriots teammates Charlie Weis and Romeo Crennel. Dwayne Bowe will be a reliable target for Cassel, but there are still plenty of questions surrounding his thin offensive line and his ability to pressure defense.

Denver Broncos (8-8) With Indy, Tennessee and Baltimore in Weeks 3, 4 and 5 on their schedule, don’t expect them to start 6-0 like last season. And with Brandon Marshall out of the picture, Josh McDaniels will have to rely on Knowshon Moreno more than expected. Of course, we are all curious to see how the Tebow effect comes into play. This team will play tough teams, but they will fall a bit short of playoff contention.

San Diego Chargers (10-6) It may seem like SD has lost its identity with the departure of LT and the hiatus of Vincent Jackson, but it will open the doors for Philip Rivers and rookie phenom Ryan Matthews. Expect San Diego’s light schedule to propel them into the playoffs, but how far they play in January is another story.

In my previous column, I explored the powerful impact the physical environment has on mood, outlook, and attitude. With my recent travel writing excursion still fresh in my mind, I have enjoyed delving into the powerful dynamics of person-environment interaction by comparing and contrasting various hotels and resorts in small towns scattered along the Caribbean and Pacific coasts of Costa Rica. . My ongoing travel article, Notes from the Jungle, covered three of my greatest passions in life: travel, creative writing, and psychological exploration. The five-week journey took me across two coasts, through five different towns and eight hotels, each with defining characteristics so unique they might as well have been crossing national borders.

My trip ended in Tamarindo, on the country’s northern Pacific coast, where I spent four nights at Hotel Capitán Suizo, a jungle paradise on the beach, followed by five nights at Los Altos de Eros, a small boutique hotel perched high from the mountains. overlooking the pacific. Los Altos de Eros is ranked the number one small hotel in the world by Trip Advisor. Reflecting on our time there, I can easily understand why. At Los Altos de Eros my attention flowed inward as I embraced the beauty of stillness, silence, and solitude. At the Hotel Capitán Suizo I felt myself expanding outward in harmony with the rhythm of the jungle and the great expanse of sea that surrounded me. I fell asleep to the sound of the waves crashing against the shore and marveled at the wild nature of the jungle. I rose early with the sun and mingled with the many creatures that shared my environment.

Hotel Captain Suizo recalled lyrics to Circle of Life and Hakuna Matata, favorite songs from the Broadway hit Lion King. Here I reflected on our fragile and beautiful planet where all living creatures are linked through an intricate exchange of natural resources. Walking into the lobby of Capitán Suizo, I was immediately greeted warmly by Francisco, babies Alice and Sophie in tow. In addition to his many other important duties, one of Francisco’s main duties at the hotel is to feed, care for, and protect the two resident baby monkeys. Sophie rested on top of her head, her tiny human fingers gripping the thick mound of her curly black hair, while Alice, the shyer of the two, slept peacefully in her arms, ensconced comfortably in her bed. a blanket.

Alicia was found without a tail; these are the unfortunate consequences of the premature electrocution of her mother, a very common phenomenon in Tamarindo when howler monkeys climb electrical cables. A tailless baby monkey faces a cruel obstacle, as the tail is an integral instrument used for climbing and movement. The Swiss Captain rescued Alice during her childhood. She practices climbing herself with Sophie, and the two grow stronger and more confident with each passing day. Sophie was found struggling alone in downtown Tamarindo. Thin and malnourished, Sophie provided a good example of the plight of howler monkeys when separated from their group. Sophie and Alice have developed a lasting bond and rely heavily on each other for play and companionship.

Such was my welcome at Capitán Suizo, where raccoons lounge on the lobby sofas, squirrels dine on bananas, and iguanas lounge poolside. The Swiss Captain welcomes all wild creatures, large and small, healthy and sick, into his protective folds. In fact, this was the intention of the Swiss owners, whose vision involved an environmentally friendly beach hotel, where humans and animals can live together in harmony. I have never seen a raccoon sitting on a human’s lap, a monkey with a full-time babysitter, or a cat playing with a raccoon. That is, not until I entered the enchanted world of the Swiss Captain.

The owners of Capitán Suizo live under the following philosophy: “we do not inherit the planet from our parents but we borrow it from our children”. When a tree fell by surprise in front of the hotel in April 2006, the monkeys lost their natural bridge that allowed them to enter the hotel area, forcing them to cross the dangerous road. It took four tries, but the owners eventually managed to build a replacement bridge that the monkeys use today. The first man-made monkey bridge was born. This is the spirit of the Swiss Captain.

There’s always something going on in the open-air lobby of the Swiss Captain. Maybe it’s mealtime for Alice and Sophie, cute raccoons enjoying a late-night snack, or Missy the apricot cat, also known as the ‘queen’, lounging on the reception desk while Sibu, the handsome cat stallion, chases geckos and grasshoppers. . The grounds of Capitán Suizo teem with wildlife and the sounds of the jungle are vibrant and captivating. It’s clear that the owners have carefully chosen his staff to reflect their love of nature; each and every member of the staff has a fondness for animals and a story to tell about the myriad of creatures that have passed through the hotel’s doors. There’s the story of Brocholina, the chef’s tricolor cat affectionately called Garfield because she loves to eat and sleep, and Coco, the beloved raccoon who was friendlier than any cat and mysteriously disappeared one day. Legend has it that Coco was coveted by many due to her sociable nature, for which she was stolen from the hotel grounds.

After my stay at the Hotel Capitán Suizo, I moved to Los Altos de Eros for the final stretch of my trip. The owner of Los Altos de Eros clearly possesses a special kind of talent; the man has created pure magic through a service philosophy that leaves guests wondering if the staff are clairvoyant. At Los Altos de Eros, staff members anticipate and satisfy guests’ needs and desires before guests even realize those needs exist. Perhaps this is because the owner considers and treats his 28 full-time staff like family and the staff, in turn, treats the guests in the same way.

The horseshoe-shaped five-bedroom villa surrounds a gorgeous infinity pool overlooking the Pacific and surrounding jungle, where verdant mountains fade into a smoky sky. There are howler monkeys in the trees, frogs and lizards roaming the grounds, hummingbirds, and clusters of lush tropical flowers. A soothing sense of stillness permeates the facility, relaxing the mind, body, and soul. Imagine a five-room hotel with 28 full-time employees! The staff to guest ratio allows for a highly personalized and attentive service that leaves guests feeling incredibly pampered and satisfied.

There is a stunning open-air yoga studio and a world-class spa. Osa, the resident dog, enjoys barking at the monkeys and accompanying guests on the famous hour-long walking loop around the hotel’s scenic, hilly grounds. It is best to do this hike early in the morning, before the sun gets too strong and Osa retires for his mid-morning nap. During our five-night stay at Los Altos de Eros, we never felt like we were staying in a hotel, but instead on the private estate of a wealthy friend. Meals are shared at a large communal table in the outdoor dining area overlooking the pool, allowing guests to interact and develop lasting bonds.

It’s truly amazing how a travel experience can change so dramatically based on the ambiance of a particular hotel, the personality of staff members and guests, and the pace and pulse of the surrounding town. My experiences in Costa Rica were deeply enriching and soul-strengthening. Like ships passing in the night, I met so many wonderful souls on my journey, people I will always remember but probably never see again.

There was Francisco, the monkey keeper at the Capitán Suizo Hotel, whose smile melted my heart, and Jesse, the waitress at Almonds and Corals Resort with dark, soulful eyes and an appreciation for life’s simpler pleasures. There was José, Rosa Blanca’s driver who talked about family values, and Elizabeth, the diminutive Australian who suffered a hard relationship with her only daughter and traveled the world alone, remembering myself in her precious solitude. Kitty, the alley cat who sat next to me one rainy day in Playa Guiones, offered me company when I finally wrote the first chapter of my first novel. There was Valerie, the New York City dance choreographer searching for answers about life and love, and Chantal, the divorcee from France who taught me that sharing the same language is not a prerequisite for friendship. David was a humble psychologist from London who put others first and himself second, offering compliments and praise while he downplayed his own impressive achievements. These unique and colorful souls formed the tapestry of my journey and my memories of our time together will live forever within my heart.

Main Eras in Fintech History

Fintech is a term used to describe a new generation of financial technology. This includes applications for payment systems, online investment, and lending. A few examples include crowdfunding platforms, P2P lending, mobile payment, and cryptocurrencies. These apps are designed to facilitate the flow of money, improve capital allocation, and help consumers manage their finances.

Before the global financial crisis of 2008, the finance industry had been advancing rapidly. A number of technological developments had helped to advance the financial sector, including the development of credit cards, electronic transactions, and the Internet. This has helped to expand the reach of the finance industry, enabling it to serve a larger customer base. However, the financial crisis of 2008 posed a serious threat to the financial industry, as it triggered a global economic downturn. It also reshaped the way businesses operate and how people manage their money.

Banks and other financial institutions began to adopt technology in order to increase efficiency. This included the establishment of SWIFT, a communication protocol that is widely used between financial institutions. It also enabled the transfer of financial data across borders. It also allowed financial institutions to offer a variety of services under one roof.

What is fintech

The rise of smartphones and the internet have further transformed the financial industry. They have also led to the development of payment apps, which allow customers to perform financial activities without visiting a traditional bank. These applications have minimal transaction fees. These are important features that have contributed to the growth of Fintech.

What Are the Three Main Eras in Fintech History?

In the past, the majority of the world’s banking services were offered by financial institutions. These firms provided the basic functions of trading, loans, investments, and mortgage services. But the public began to distrust them. The financial crisis of 2008 caused the downturn in the economy, and many financial experts lost their jobs. In response to this, many financial institutions started to change their business strategy and focus more on customer needs.

Benefits of Fintech

Fintech was born out of the need to improve the delivery of financial services. These innovations have impacted both the traditional banking and trading industries. Those in the industry are now competing with the startup fintech companies for market share. The future of fintech is looking bright, as more fintech startups enter the marketplace. The overall market share of the sector has been relatively small, but it’s expected to grow significantly over the next decade.

fintech history

There are three main eras in the history of fintech. These are the early, mid, and late stages. The first era, which is characterized by the rise of technological advancements, is marked by the introduction of PayPal and other digital payment platforms. The second era was marked by the development of electronic money and electronic transactions, and the third era is characterized by the rise of cryptocurrencies. These technologies have been instrumental in bringing financial savings of unbanked individuals into the financial system.

As the industry continues to develop, it is likely that Fintech will be further shaped by the next generation of technology. For example, the growth of roboadvisors, chatbots, and artificial intelligence will enable ordinary users to access and manage their money. It will also help to streamline staffing and reduce costs.

Not surprisingly, assets are often hidden in a divorce situation. Why? Well, simply greed, feelings of betrayal or anger at the need to divide assets in divorce, or the fear of not having enough after divorce all motivate the behavior of hiding assets.

In divorce, the assets of the parties are divided. Under the divorce laws of some states, they are divided equally and under the divorce laws of other states, they are divided “evenly” or justly. Fairly often means equally to overworked divorce judges.

There is no way to know in advance if your spouse has or will hide assets in a divorce. You know your spouse better than your divorce lawyer, and you should alert your lawyer to the possibility of your spouse hiding assets. However, before you get to that point, there are some simple steps you can take to prevent your spouse from being able to hide assets. Those steps include finding out as much as you can about your assets before the divorce.

Before alerting your spouse that you are considering a divorce, you should collect and/or store documentation of all your assets. If you don’t know about your marital assets, it’s time to find out what is. If bank and other statements arrive at the house, open them and write down the account numbers and balances.

If you have access to the canceled checks, copy those as well. It is not unusual for a spouse who is planning a divorce to transfer money to friends or family members with the plan that they will pay that money back after the divorce is final. Therefore, he must review those records and carefully analyze all large or suspicious transfers that take place in the two to three years before or after the divorce is filed.

Make sure you know where the copies of your income tax returns are. If your spouse owns a business, make sure you have a copy of multiple years’ tax returns for that business. All these documents can be safely copied and hidden somewhere outside the house in case you need them. Taking these simple preventative steps can mean all the difference in getting a fair settlement in your divorce. It will also be incredibly helpful for your divorce lawyer to have this information up front.

If bank and other account statements and financial records are not kept at home or mailed, you will need to obtain those records in other ways. You can contact the IRS to get copies of any tax returns you have signed. Request copies of those statements and ask them to mail them to a different address, either to a friend or relative or to your divorce lawyer. If there are returns that you have not signed, such as business tax records, you will not be able to get copies of those returns from the IRS. If you have access to your spouse’s workplace, you may be able to find those tax returns there. If you are worried about your spouse hiding assets in a divorce, you really need to find those statements and make copies of them, for as many years as possible.

If you have valuables, antiques, jewelry, art, or other collectibles in your home, catalog them all and if you have appraisals, make copies. It’s not unusual for such items to go missing or even be pawned by a spouse in need of more funds.

If you suspect that your spouse has been involved in a divorce scheme and is hiding assets, let your divorce lawyer know. Ask your divorce lawyer to order the records of any other person or entity that may be involved in helping your spouse hide that property. If necessary, your attorney can use the services of an investigator to help obtain financial records that have been withheld.

Investment Plan for your Retirement

There are so many investment plans available out there. The following points will guide you in choosing the right one for you with fewer risks and commitments to manage. The points are based on the fact that, after a while, they will be appreciating business ventures for their retirement.

1. Annuity

An annuity is a plan whereby an insurance company, in exchange for the purchase price, enters into a contract to pay an agreed amount of money each year while the beneficiary is still alive.

Renter- is the person whose life depends on the contract.

Annuity: is the amount of money paid to the beneficiary.

The benefits of an annuity, especially when used in connection with retirement, is that it would ensure that the retiree has an income for a convenient number of years. The best type of annuity is the deferred annuity because it gives you benefits for life.

2. Jumps

A bond is a loan to a government or corporation, whereby the borrower agrees to pay a fixed amount of interest, usually semi-annually, until fully invested. Treasury bonds are safe, medium- to long-term investments that typically offer you an instant payment every six months during the bond’s maturity. Treasury bonds are fixed rate, which means that the interest rate determined at auction is maintained for the life of the bond. This makes Treasuries a predictable source of income over the long term.

3. Exchange Traded Funds (ETFs)

An exchange-traded fund is an investment fund that is traded on stock exchanges just like stocks. An ETF holds assets such as stocks, oil futures, currencies, commodities, or bonds and generally operates on an arbitrage mechanism to keep trading close to its net asset value, although deviations can occasionally occur. These assets are divided into shares in which the shareholders do not directly own or have direct rights to the investments in the fund.

ETF shareholders are entitled to a proportion of the earnings, such as interest earned or dividends paid.

4. Inventory

In Kenya, the main stock market is the Nairobi Stock Exchange (NSE). A stock market is a place where corporations and other financial institutions go to buy and sell bonds and other derivatives. NSE acts as a third party broker and allows investors to buy and sell shares independently through share trading platforms. You can invest directly and indirectly in stocks. Direct investing means that you buy shares in one company and become a shareholder, while indirect means that you invest in more than one company, therefore spreading the risk. The indirect investment is done through an open fund and the money is safe, so even if the company stops paying, the money is still safe.

5. Mutual Funds

Mutual funds are some of the most overlooked, but probably the easiest way to invest in much more than just stocks and bonds. A mutual fund is a pool of money, often from like-minded investors. You can sell your shares when and if you want. All fund shareholders benefit from the fund and share in any losses. There are five categories of mutual funds where you can choose the one that suits you best.

6. Real Estate

Real estate is one retirement investment plan you should never overlook. Landon said ‘find what’s going to give you the biggest impact on your back.’ Front real estate is a very lucrative opening. However, you have to research the market and know the current and emerging trends in the sector. The location of real estate is very important and must be selected well. Some of the prime locations may be near universities, developing cities, or large company sites. In any investment, capital becomes the main organ to promote investment. Research different financial organizations and try to compare their payment and financing terms. You can still choose to become a real estate dealer. A real estate dealer is one who buys property with the intention of holding it for a short period and selling it for a profit.

7. Pension Plan

The pension plan is a retirement plan that requires an employer to make contributions to a separate pool of funds for the future benefit of a worker. The pool of funds is invested on behalf of the employee and the investment earnings are given to the worker at retirement. In Kenya, even the self-employed can continue to contribute to the social security fund to help them when the time comes.

Retirement is a process that every living worker must accept. Retirement is like any other investment, but more crucial since when you retire, your productivity declines due to health and age. You can start now, and when you retire, you’ll have important benefits that can help you live a decent life after retirement. Take a step today and plan to invest for your retirement now and be a happy retired worker living a good life and developing the economy even in old age.

No kitchen is too small to be stylish. There are many adjustments you can make to open up a small space and make it look and feel welcoming. It will take some organization, some tidying up, and some creativity to upgrade a small kitchen, but soon you’ll be more comfortable and able to prepare meals with ease in your newly renovated kitchen area!

Get rid of things you don’t need

Before making bigger changes to your kitchen, the most important first step is tidying up. Get rid of things you don’t need, items you don’t use, and spare parts.

Doing so will free up space and make it easier for you to organize the things you decide to keep. Do you really need to keep your old bulky coffee maker sitting on your counter when it’s only been your new coffee pod machine?

keep everything organized

Who wouldn’t want to walk into a kitchen where everything is in its place? Proper organization is the key to making any room look more spacious, especially the kitchen where there are more elements. Buyers these days won’t have a hard time, as there are plenty of storage options designed specifically for small spaces. So get that sliding spice rack or that magnetic knife rack that you can put on the wall, leaving more space on your counter!

change colors

One of the easiest ways to improve your small kitchen is to change the color of the wall. Using light, neutral colors will really open up a small space. If you want to give it a bit of personality, you can add color accents: you can make your kitchen essentials cohesive in color, or you can paint your cabinets in a bold color option.

let there be light

Speaking of ways to make a room feel bigger, lighting is something to consider as well. Flush mounts, semi-flush ceiling lights, and recessed lights are great options for small kitchens because they don’t take up a lot of space. You can also install one or two mirrors – mirrors bounce light around a room and are also great for opening up a small space.

Replace bulky appliances

Now, if you have the budget and want to go all out to update your small kitchen, you may choose to downsize your appliances. You don’t have to do it all at once. You can start with the small appliances you have: older models that have worked well but need to be upgraded or replaced. It can be your toaster, blender, microwave, and the like. Later, you can move on to your refrigerator and other larger appliances.

Not only will you be able to free up space, but you’ll have newer, more functional appliances to work with!

Follow these tips to make a small kitchen look more spacious!