April, 2023 | Rafters Blog - Health and lifestyle advice.

Stay Updated With The Latest Happenings All-Around

Business by Marrio Phill on April 21, 2023

News is one of the primary things in most of our lives, and all of us are actively involved with information at a certain level regularly. Something occurring on a local, regional, national, or international level every day merits main coverage. For instance, with the help of a marathi news app, staying in tune with all the happenings all over Maharashtra becomes easy. For most people, one of the most common questions that hover in mind is, “What are the current news headlines?”

There are numerous sources available for getting the latest news and updates; some of them include television, the internet, magazines, etc. Because of the fast-paced lives that people are living, there needs to be more time to watch the TV news or go through the newspaper. As a means to resolve this, there are many short news applications for Android, iPhone, or other platforms that are accessible to the user that allows them to refer to the current news on their device.

Significance of staying updated through daily news:

It Lets you make vital decisions:

By staying updated with all the trending news updates with a mobile news application like Tak, crucial decisions relating to businesses can be easily taken. Instead of following and believing in any rumors blindly, following and referring to a specific news story and doing some self-analysis can be very helpful. This will allow you to decide whether the events are solely affecting you or the community as a whole and will also facilitate a rational decision-making process.

It Lets you stay updated with daily happenings:

Due to the present internet trend, globalization has become an important phenomenon that is taking place all over the world. Therefore, you can stay informed with all the latest news and updates of the present world happenings and stay in tune with the upcoming events.

It Lets you in becoming a smart and knowledgeable person:

Suppose you are actively aware of the local news all around the world. In that case, you can actively participate in debates and other competitions with your family, friends, and co-workers. Therefore, you can easily share your thoughts and views and learn about different perceptions from people, which will let you think from various angles.

It helps you in becoming a cultured person:

Staying in tune with the latest happenings lets you remain aware of what is happening worldwide and enables you to know about various cultures and traditions. The stories covered in the news will allow you to learn about acceptable and unacceptable things according to these cultures. Also, it teaches you how people’s daily lives can vary according to their respective traditions.

Hence, the news is vital for several reasons in society, but mostly for informing the general public regarding the occurrences that have happened or are yet to happen and might have an impact on them.

Modern technology has enabled humanity to have a local news app on their devices to access all the recent updates at their fingertips. Users can go through the latest headlines, breaking news, trending news, etc., and provide a lot of information on sports, business, technology, automobile, and other segments.

Business

From Piggy Banks To Banking Apps: Teens’ Financial Shift

Business by Marrio Phill on April 17, 2023

The moment puberty hits, we start seeing things around us with a new perspective. Some of us tend to become rebels seeking freedom in every aspect of life; what matters to us the most is the liberty to make independent decisions for ourselves. It can positively impact our emotional well-being, but only if we are aware and literate enough to do that. Most crucial among all the aspects is the ability to manage finances. If you are a budding teenager or a young adult with this newfound love for money, this article will help you unravel different ways to focus on wealth building from a very young age.

Now is the technological era, and tech-savvy kids are well versed in managing their money online, mostly through a teenager payment app. These are mobile-based applications designed to provide ease to parents and their children (mostly between the ages of 13-19 years) in how they transfer money, monitor their transactions, and help build financial literacy among them.

What if you want to work online, part-time, as a freelancer, or in any job that suits your interest (thanks to digital proliferation, we have endless possibilities)? Once you have your source of income taken care of, the next thing is starting your savings account. You have plenty of options for opening a teenager savings account provided by many reputed financial institutions with exciting and irresistible features and benefits.

Following steps can be followed hereafter to ensure that by the time you finish college, you have enough funds in your account that you no longer rely on the monthly allowances you used to get as a teenager.

Start by looking for a suitable teenager banking app: The first and foremost requirement is to look for a financial institution that provides banking services with minimum fees and doesn’t enforce a certain amount as a minimum required balance in the account. It should provide all the necessary services online and requires minimum documentation and a higher interest rate. Ask your parents for the best advice in this category.

Start saving for the savings account: no matter if you are not financially liberated yet, spare a few bucks from the pocket money you receive and start depositing it. You can easily use any payment app in the future to utilize this money and spend your hard-earned or accumulated savings.

Set financial goals: Aimless savings will take you only a little, as there will be a constant urge to spend that money in all necessary and unnecessary ways. But if you are strongly willing to attain a specific goal, for example, saving a thousand dollars annually for a dream vacation. That predetermined goal will always help you to stay motivated and push boundaries.

Spend mindfully and stick to the budget: If you want to become financially aware and responsible, planning a budget for all your expenses is of utmost importance. It helps you eliminate all the unwanted expenditures, and sticking to this budget is another mental challenge for young individuals as endless temptations surround them.

Plan to use your savings wisely: Once you have overcome the above challenges, you are already on the path to financial liberation. Now think of ways to use your savings mindfully for the desired goal. For example, look for the best deal if you are planning to buy anything and look for cost-effective and sustainable ways.

All the pointers mentioned above apply to individuals with immense self-control and sheer determination to achieve their financial goals. It might sound difficult, but once you enjoy the fruits of your savings, you will always resort to all possible ways to attain that.

Finance

Demat Accounts: Concepts & Processes

Finance by Marrio Phill on April 5, 2023

A Demat Account or Dematerialized Account is a digital account used to store financial securities and investments in an electronic format. It is an alternative to physical share certificates and allows investors to buy, sell and hold shares and other securities conveniently and securely. how to make demat account?

Concepts of Demat Account

An electronic depository is an institution that holds securities. In India, there are two depositories – National Securities Depository Limited (NSDL) and Central Depository Services Limited (CDSL).

Depository Participant: A Depository Participant (DP) is a financial intermediary that offers Demat Account services to investors. They act as a link between the investor and the online depository.

Securities: Securities refer to financial instruments held in a Demat Account. These include shares, bonds, mutual funds, government securities, and exchange-traded funds (ETFs).

Processes of Demat Account

Opening a Demat Account: To open a Demat Account, an investor needs to approach a DP and fill out an account opening form. They also need to submit supporting documents such as a PAN card, AADHAAR card, bank statement, and passport-size photographs. Do you know how to set up a demat account?

Account Activation: Once the account opening form and documents are verified, the DP will activate the account and provide the investor with his or her Demat Account number.

Dematerialization: Investors can dematerialize their physical share certificates by submitting them to the DP. The DP will then send the certificates to the issuer or registrar. He will verify them and credit the investor’s Demat Account with the corresponding number of securities. Then you need to open trading account online.

Trading: Investors can buy and sell securities through their Demat Account by placing orders with their broker. The broker will execute the orders, and the securities will be credited or debited from the investor’s Demat Account.

Settlement: Settlement refers to the transfer of securities from the seller’s Demat Account to the buyer’s Demat Account. This process is facilitated by the depository and takes place on the settlement date specified by the stock exchange. It is done when registering a demat account.

Conclusion

Making a demat account has several benefits as well. A few of these benefits are convenience, affordable transaction prices on things like stamp duty, online access, and easier loans against security. Demat Account enables investors to borrow against their securities, which can be a cost-effective option A Demat Account is an essential tool for investors in India who want to buy, sell, and hold securities conveniently and securely. The process of opening a Demat Account is simple and can be done through a DP. With a Demat Account, investors can avoid physical share certificates and reduce transaction costs. Demat Account provides a wide range of benefits, including risk reduction, online access, and loans against securities.

Home

Everything You Need To Know About Plumber Jobs

Home by Marrio Phill on April 3, 2023

Plumbers install and repair pipes that carry water, gas and waste to and from homes and businesses. They also install plumbing fixtures such as sinks, toilets and bathtubs.

They must be knowledgeable of the plumbing codes that govern the trade. Many states require plumbers to earn certification or licensure to practice independently.

Installation

A plumber’s installation efforts start with a thorough inspection of the space where the plumbing will be installed. This includes the walls, ceiling and floor, as well as any existing plumbing.

The next step is the installation of piping, fixtures and appliances such as sinks, showers, toilets and dishwashers.

As you might expect, the most important part of this process is the quality of the workmanship. It is essential that the plumber uses a quality material in order to achieve the desired results, which is why you’ll see most plumbers use copper tubing as the primary component of their work.

A plumber’s installation effort may be categorized into several phases, including the underground rough-in phase, the finish phase and the service and maintenance phase. It is worth mentioning that the finish phase has the highest risk of failure compared to the other two. This is largely due to the fact that the installation process is subjected to a high degree of heat and moisture.

Repair

A plumber in Houston repairs pipes and fixtures that transport water, gas or other fluids in homes and businesses. They also maintain appliances such as sinks, toilets and washing machines.

Plumbing repair is often a quick and low-cost process, but there are some things that can make the process go more smoothly and save you time and money in the long run. Before you call a plumber, make sure to write down any information that they might need or ask for while working in your home.

In addition, be sure to get your pets and children out of the way during the repair process so that they don’t disrupt the work or pose a safety risk for the technician. This will save them a lot of time and hassle while working in your home and make their job easier. And, of course, don’t forget to give them plenty of notice if you have a special event planned in your home.

Maintenance

Plumbing systems play a significant role in improving your home’s efficiency. It delivers fresh water to your showers and bathtub, enables washing machines and dishwashers to run smoothly, and carries waste water out of the sewer system.

When you don’t take care of your plumbing, these essential functions may stop working completely, which will cause you a lot of trouble. For instance, if your pipes get damaged, you can expect to experience a massive increase in your water bill.

However, regular maintenance can ensure that your plumbing stays in good condition for a long time. In addition, it can help you catch issues before they escalate to a major problem.

Sales

Most plumbing businesses are small, meaning they typically don’t have a salesperson on staff. This can make it harder to get new business.

The best way to increase plumbing sales is to focus on building customer loyalty, which starts with a positive first impression. Whether customers are calling your company for the first time or they’ve used you before, a great first impression can turn into repeat business and brand ambassadors.

It’s important for plumbers to remember that the people they serve are experiencing an emotional decision when choosing a plumber. Reach out with empathy to let your clients know that you understand the stress and vulnerability they’re feeling, and that you’re here to help.

You can also build trust by educating your clients about plumbing costs. This is a way to give them a clearer idea of how much they’ll need to spend, and to avoid making them feel confused or ripped off. It’s also a great way to set yourself apart from other plumbers by showing that you’re willing to educate your clients on their options and take the time to explain your processes to them.

Health

A Beginner’s Guide To Juicing

Health by Marrio Phill on April 3, 2023

Juicers are an excellent way to add more fruit and vegetables to your diet. They also provide a variety of vitamins and minerals that are difficult to get from solid produce alone.

When buying a juicer, it’s important to consider your needs and budget. Then, you’ll be able to find the perfect machine for your lifestyle.

Types

There are a number of types of juicers on the market, and it’s important to choose one that matches your needs and preferences. Whether you’re a serious hardcore juicer who presses morning, noon and night, or just occasionally want to enjoy a refreshing glass of celery juice, picking the right machine can make all the difference in your health and happiness.

Centrifugal juicers grind and press fruits and vegetables into pulp through a spinning metal mesh basket. This spinning action separates the dry pulp from the liquids, and makes for a quick, easy juice.

Masticating juicers grind and press fruits and vegetables much more slowly, to extract the maximum amount of juice from each vegetable or fruit. They produce juice that contains a higher concentration of vitamins, minerals, and enzymes than centrifugal units, resulting in a healthier, more flavorful drink.

Masticating juicers come in vertical and horizontal models, whose augers operate at slower speeds (usually 80 to 100 rpm) to break down vegetable fibers. They’re great for juicing leafy greens, wheatgrass, and other hardy vegetables. Some also have homogenizing functions to help you make frozen fruit ice creams and nut butters.

Benefits

Using a juicer to create fresh fruit and vegetable drinks is an excellent way to increase your daily intake of fruits and vegetables. Juices are also a good source of vitamins, minerals and dietary fiber.

The best way to enjoy a tasty, nutritious glass of juice is by choosing fresh, ripe produce that’s in season. This is because ripe fruits and veggies are more flavorful and have a higher concentration of nutrients than unripe ones.

A good juicer will remove all of the liquid from the food and leave behind a solid mash called pulp. The remaining nutrient-packed pulp contains very little sugar, and is high in heart-healthy fiber.

You can also use a juicer to make sauces, purees, and sorbets. Some juicers have strainers that can reduce the amount of pulp in a drink to create a smoother texture, while others can allow some of it to pass through for a thicker juice with extra fiber from the pulp.

Extractors

Juice extractors are machines that mechanically separate juice from the solid part (pulp) of fruits, vegetables, leafy greens and herbs. Most of the pulp is discarded, but it can also be used in muffins and breads or composted.

Extractors are usually electric and require less effort than their manual counterparts. They can be used for both fruits and vegetables, though some are better suited to citrus fruit than others.

They can be divided into three types: centrifugal juicers, masticating juicers and triturating juicers. These three juicers are designed in such a way that the fruit’s pulp, skin, seeds and puree are separated to give only refined juice.

Masticating juicers are a good choice for green leafy vegetables such as spinach, kale and wheatgrass. They do not oxidize the juice like a centrifugal juicer does, making it fresher for longer.

Electric juicers

A juicer is a kitchen appliance that extracts the essential nutrients from fruits and vegetables to produce fresh juice. This healthy drink is not only a delicious and nutritious way to start the day, but also helps in preventing diseases.

There are a variety of different types of electric juicers on the market. They can range from simple handheld citrus presses to serious machines that are ideal for juicing large batches of fruits and vegetables.

Centrifugal juicers, which are the most common type of electric juicer, use a high-speed motor and blades to extract the maximum amount of liquid from the fruits or vegetables you put into it. They can easily be cleaned and are a good option for most people.

Another type of electric juicer is a masticating machine. These are considered more functional as multipurpose machines and can grind, grate, mince, chop, and extrude foods. They can also be used for juicing or making baby food, frozen desserts and many other products.

Home

A Guide To Securities Class Action Settlement Recovery Process

Home by Marrio Phill on April 3, 2023

A securities class action is a lawsuit brought on behalf of a group of investors who purchased a stock during a particular period of time (known as a “class period”) and suffered economic loss as a result of fraud or violations of federal or state securities laws.

Public pension plans have a fiduciary obligation to recover funds lost through investments in public securities as the result of corporate mismanagement and/or fraud. A class action settlement is an efficient way to satisfy that responsibility.

Identifying Losses

If you purchased securities during a certain time frame, or the class period, and you sustained losses as a result of the company’s alleged fraud or other securities law violations, you may be eligible to receive a settlement payment. The amount of money you are awarded depends on the number of claims submitted and how much money is available in the settlement fund.

The security class action settlement recovery process is complex and can be confusing. For instance, you must know which securities were traded during the class period and the specific types of losses you suffered as a result of the company’s fraud or other securities law violations.

Filing Proof of Claim Forms

If you are a creditor that is owed money by someone who has filed for bankruptcy, you need to file a proof of claim form. A proof of claim tells the court how much you are owed and what type of claim you have.

A proof of claim is typically accepted by the court unless the trustee or debtor objects to it. However, it doesn’t guarantee that you will be repaid the full amount of your claim.

For claims that are not straightforward, have multiple assets or are for large amounts of debt, it may be advisable to seek advice from counsel.

Monitoring Claims

For securities class actions that result in a settlement, claimants will be contacted by claims administrators. These administrators will validate claims, collect payment information, and disburse awards to eligible claimants.

The claim processing process can be complex and time-consuming, especially for funds that are not filing their own securities claims. Battea helps our clients by analyzing their historical trade data and auditing their existing filings to identify and fix any problems that may be hindering the process.

In some cases, we’ve been able to recover awards for clients even when the claims administrators have denied them previously. For example, we worked with a $500 million long short equity hedge fund that had several of their claims rejected due to issues with their trade data. After correcting their data, we were able to recover more than $2 million in awards for them.

Payment

The settlement recovery process can be an extremely complex and time consuming process. Even the most straightforward securities class actions can require a significant amount of effort and resources to ensure that all eligible settlement funds are recovered.

Having an effective and comprehensive securities class action settlement recovery program in place can help reduce the risk of missing out on eligible settlement monies that could have been used to support your organization’s operations.

This includes the identification of settlement opportunities, filing claims (proof of claim forms) with the court, and monitoring those claims until recovery is received. This can be done in-house or with the assistance of a third party.

April 2023