Author Archives: Harry

4 Online Business Ventures Perfect for Seniors

As more and more retirees are seeking ways to stay active or earn some extra cash, online businesses have become a fantastic option. They give people a chance to put their valuable life experiences into practice while still staying sharp and stimulated. Plus, they’re so flexible – you can run one from pretty much anywhere, including your own cozy home! 

This article takes a look at four different types of online businesses that might be just right for seniors. Don’t worry if you’re not a tech wizard. These ventures require only basic-to-moderate technological know-how and offer plenty of options when it comes to setting your own hours.

Online Consulting

After years of building up loads of knowledge and experience in their fields, many seniors are starting to see the value in sharing all that wisdom. And online consulting is a great way to do it! 

They can offer guidance and advice to younger folks or companies who could benefit from their expertise. Not only that, but this kind of work can be really fulfilling (and lucrative too)!

E-Commerce Store

E-commerce has blown up big-time lately, and seniors are well-positioned to take advantage of it. They have a ton of expertise when it comes to all sorts of niches. This makes them great candidates for setting up online stores that feature carefully chosen products aligned with their passions. 

For seniors who live in assisted living homes, e-commerce can be especially meaningful. It gives them a way to stay engaged with the wider world and keep on top of things!

Content Creation

Content creation is another awesome way for seniors to get in on the online action! There are so many avenues to explore, like writing blog posts or e-books, starting up a podcast or YouTube channel, and more. These are all focused on subjects they’re really into. 

With their wealth of amazing stories and experiences, they’ve got tons of great stuff that could capture an audience’s attention.

Online Tutoring

If you’re a senior who’s got great teaching skills or knows a ton about a particular area of study, online tutoring could be right up your alley! There are plenty of platforms out there that connect tutors with students from all sorts of backgrounds and levels. 

This work is so flexible, so it makes for a great part-time income. Plus, sharing your knowledge might even spark new interests in yourself too!


So, to sum things up, there are a ton of ways for seniors to get involved in the digital world and start raking in some cash! Whether it’s through consulting or e-commerce, content creation, or online tutoring, they’ve got plenty of cool options at their fingertips. 

Starting an online business is also a way to keep feeling fulfilled and connected – while still earning some serious dough on the side. It’s a great way for them to redefine what retirement means and keep making meaningful contributions to society too!

4 Tips for Getting Good Business Loan Terms

Many times, a business loan is the difference between success and failure for a business. Unfortunately, one of the trickiest things to accomplish is finding the best loan terms that work for you and your business. Due to different factors, such as over-saturation in certain industries, the competitive lending environment can make it hard to find a reasonable loan that fits your needs. But it’s not hopeless. 

Here are four tips for securing good business loan terms so you’re not stuck with an unfavorable deal.

Arm Yourself With Information  

Before you even contact a lender, make sure you have all the necessary information at your disposal. This includes both personal and business documents such as tax returns, credit reports, business plans, etc. 

Why? First because knowing this information will help you to determine what kind of loan you actually need. Second, if you’ve taken the time to pull all your documents together and have gone ahead with a credit report for your business, lenders may be more likely to take you seriously since you have taken initiative.

Shop Around 

Don’t just go for the first lender that offers you a loan. Although this might be tempting, take the time to shop around and compare several lenders as different lenders have different policies and one may work better for you than others. For example, if you are looking to finance an assisted living facility, consider lenders who specialize in real estate loans. 

So ask for quotes from several different loan sources and compare the fees, terms, interest rates, and repayment schedule. 

Be Prepared to Negotiate 

When meeting with lenders, be prepared to negotiate. Remember, even though lenders are in the business to make money, they also need borrowers to stay afloat. So where appropriate, ask for a better deal than what you’re originally offered and be willing to walk away if it doesn’t meet your needs. 

If you don’t feel comfortable negotiating on your behalf, consider hiring a lawyer or other professional negotiator to do it for you. 

Be Patient

Being impatient is one of the easiest ways to get stuck with a bad deal. Don’t be tempted to sign any loan agreement until you fully understand the terms of the loan and if they are in your best interests. 

For example, say you are offered a loan with a lower interest rate but a longer term. Before you sign, make sure you understand what the total costs will be over the life of the loan and how it fits into your overall budget. You also want to read the fine print on any agreement so that you are aware of additional fees or late payment penalties that may arise. 

Getting good business loan terms isn’t always easy, but it is possible with the right approach. By arming yourself with information, shopping around for the best deal, being prepared to negotiate, and taking your time with each decision you make, you can increase your chances of getting a loan that works for you. 

The polarization encouraged far-right forces to riot in the midterm elections

Think continues working in the documentation for his next project, which will be related to the polarization of American society and the resurgence of anfar-right mentality. This new phenomenon is also spreading to other countries of the world. All the information is being achieved by talking with the protagonists of the news and experts who independently share their vision.

One of the most difficult and complex chapters to be portrayed objectively, was the incident of January 6, 2021, when the White House was stormed by far-right Trump supporters, such as the Proud Boys, which are being called to testify.

Members of the House Freedom Caucus helped plan Trump’s attempt to overturn the election.  They attended a meeting at the White House on Dec. 21, 2020 in which, at least, 11 lawmakers discussed efforts to spill the election resultsand helped spread false information, according to testimony and records obtained by the committee.

And one of the groups that drove this effort is the Falun Gong sect, related with The Epoch Times.Falun Gong, a religious movement embroiled in a decades-long conflict with the Chinese government, has become a political asset in the Trump era due to its long-standing propagation of communist conspiracy theories.

At the time, reputable media such as The New York Times has reported that The Epoch Times used fake accounts to campaign for Trump during the 2016 election through its company Beautiful Life. Moreover, after they spent about $11 million on Facebook ads in 2019, the platform banned them for violating rules on political advertising transparency.

In April, at the height of its ad spending, videos from Epoch Media Group counted about 3 billion views on Facebook, YouTube and Twitter, ranking 11th among all video creators across all platforms and outpacing all other traditional news publishers, according to data from social media analytics firm Tubular.

This engagement made The Epoch Times one of the favorites for the Trump family and a key component of the president’s re-election campaign. According to the Washington Post, reporters at The Epoch Times have received special access from the Trump administration: One America News and The Epoch Times were among the only media outlets with access to Georgia’s voting audience in the 2020 election.

Once thevote counts were published, the website questioned the legitimacy of the 2020 election (neither journalists nor Trump’s legal team have uncovered credible evidence of widespread voter fraud). They also peddle a number of conspiracy theories as the one they supported in 2018 with the“full rundown” of Spygatethat claims an Obama’s administration spy attempted to thwart Trump’s 2016 presidential campaign.

There was great concern in The Epoch Times when Biden finally won the 2020 election. At the same time, to avoid trouble with Democrats over their earlier smear campaign against President Biden, Epoch Times executives decided at one point that they should keep a low profile internally and “drop the close relationship with Trump.”

The truth is, however, that January 6, 2021 gave the Epoch Times another chance.

Angelo Carusone, president and CEO of Media Matters for America, said that by exploiting the deep partisan polarization in U.S. politics and the long anti-Communist tradition of the American right, these media outlets, led by Epoch Times, have sought to link Biden and the Democratic Party to radical left-wing movements like Antifa.

Epoch Times pointed to a strong contender in the Democratic Party,an opportunistic rehash of existing conspiracy narratives – was characteristic of these outlets. “They’re not drivers, they’re not weaving new conspiracy theories, they’re amplifying what’s already out there,” Carusone said.

While the Proud Boys and QAnon have been punished by law, the Epoch Times remains at large. With the 2022 midterm elections in full swing, Carusone said, the intensification of conspiratorial messages in the Epoch Times’ output and its embrace of Trumpism could make them even more damaging to the United States.

Despite being banned from Facebook and unable to place many ads on the platform, The Epoch Times did not give up on other platforms and actively published hundreds of articles about the midterm elections on its website, including dozens of articles about Trump’s “high” approval rating (regardless of the actual situation).

In fact, in addition to obfuscating the midterm elections to attract Republicans for patronage, The Epoch Times and Falun Gong behind it appear to be undermining the American situation in even more egregious ways by opposing abortion and condemning homosexuality and feminism.

Media Contact:

Ángel Tapia

Hello Think

4 Things You Should Never Apply to Your Face

Your face is the first thing people see when they meet you, so you want to make sure it’s always looking its best. While there are plenty of things you should use on your face, such as sunscreen and moisturizer, there are also some things you should never use. 

Here are four things you should avoid using on your face.

Lemon Juice

Lemon juice has an acidity of 2 on the pH scale, which makes it way too harsh for your face. It can strip away your skin’s natural oils, dehydrate your skin, and make it more susceptible to sun damage.

So no matter what your grandmother tells you on a visit to her assisted living facility or what your best friend tells you in her bedroom during a sleepover, lemon juice is not an exfoliant. 

If you want to lighten your dark spots, there are much better (and gentler) ways to do it. Instead of lemon juice, try using a product with glycolic or lactic acid. These alpha hydroxy acids (AHAs) are much gentler on your skin and will help to improve your complexion over time.

Hot Water

Hot water feels great on a cold winter morning, but it’s not so great for your skin. When you wash your face with hot water, it strips away your skin’s natural oils, leaving it feeling dry and tight.

If you must use hot water, apply moisturizer after to help replace the lost moisture. A better option is to use lukewarm water, which won’t dry out your face.

Another great option is cold water, which has benefits like shrinking pores and reducing redness. It’s also great for waking you up in the morning!

Hair Products

Hair products are often full of chemicals that can be very damaging to your skin. 

It’s designed for hair follicles, not to be used on your face. Using hair products on your face can clog your pores, cause breakouts, and irritate your skin.

So, to shield your face while you use hair products,  try using a product like hairspray on a brush and then apply it to your hair. This will help to keep the chemicals off of your skin effectively.

Makeup Wipes

While makeup wipes can be convenient, they’re bad for your skin. Makeup wipes are often very harsh and can cause irritation, redness, and dryness.

If you must use makeup wipes, be sure to follow up with a moisturizer to help replace the lost moisture.

A better option is to use a cleanser and a soft cloth to remove your makeup. This will be much gentler on your skin and won’t leave it prone to aging.

When it comes to your face, you want to be sure you’re using the best possible products. Avoid these four things and your face will thank you!

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Can you use olive oil on your skin?

Can you use olive oil on your skin?” This is one of the most commonly asked questions around the world. Many beauty products, hair products, and cosmetics contain olive oil, but should you use it straight from your kitchen as part of your beauty routine? Yes, we agree.

Irrespective of your skin type, you can use extra-virgin olive oil and olive oil to hydrate and exfoliate your skin. It contains vitamin E, antioxidants, and chemicals including squalene and oleocanthal, which may help deter aging and mend damage to the skin. Olive oil is sensitive, harmless, and antimicrobial. Here are some skin-friendly uses for olive oil.

Moisturizer for babies

You can massage olive oil into your baby’s skin. Olive oil can be used as a massage oil, and it can relieve dry skin, psoriasis, and cradle cap. You don’t have to worry about your kid consuming olive oil as babies frequently put their hands in their mouths. It’s beneficial to them! Olive oil can be used to wipe the bottoms of babies. Rather than using diaper wipes, try a mixture of olive oil and water with a cloth if your infant is susceptible to diaper irritation.

Shaving cream

Olive oil can be used as a shaving cream. Olive oil will also help give your legs and arms a natural glow and soft feel. Foam and gel shaving cream can be replaced with good old-fashioned olive oil by both men and women. With the help of this natural moisturizer, you may avoid razor burn and pimples.

Cleansing oil

Makeup, debris, sunscreen, and pollutants may all be removed with oil washing without depriving your skin of its natural oils. However, cleansing oils are incredibly costly! Try olive oil to reap the benefits of oil washing at a fraction of the cost. Oil-based cosmetics and sebum will dissolve in olive oil. As a result, olive oil can be used to wash the skin.

Helps remove stretch marks

There’s a simple cure for those bothersome tiny lines that occur on your body, especially during and after pregnancy. Olive oil is high in vitamin K, which is frequently recognised as a key element in preventing stretch marks. Regular massages with olive oil can help wither away unsightly scars, sagging skin, and even acne scars, resulting in blotch-free skin. Unlike most other store-bought cosmetic products, olive oil is thought to organically restore our skin cells.

Understanding money lending as a function of the economy

Commercial banks play an important role in the financial system and the economy. As a key component of the financial system, banks allocate funds from savers to borrowers in an efficient manner. This is how money lending is a function of the economy. They provide specialized financial services, which reduce the cost of obtaining information about both savings and borrowing opportunities. These financial services help to make the overall economy more efficient.

How Banks Work

Banks operate by borrowing funds-usually by accepting deposits or by borrowing in the money markets. Banks borrow from individuals, businesses, financial institutions, and governments with surplus funds (savings). They then use those deposits and borrowed funds (liabilities of the bank) to make loans or to purchase securities (assets of the bank). Banks make these loans to businesses, other financial institutions, individuals, and governments (that need the funds for investments or other purposes). Interest rates provide the price signals for borrowers, lenders, and banks. For money lending-related information, you can also contact well good at money lending in toa Payoh central.

Through the process of taking deposits, making loans, and responding to interest rate signals, the banking system helps channel funds from savers to borrowers in an efficient manner. Savers range from an individual with a $1,000 certificate of deposit to a corporation with millions of dollars in temporary savings. Banks also service a wide array of borrowers, from an individual who takes a loan of $100 on a credit card to a major corporation financing a billion-dollar corporate merger.

1. Banks help people to save their money and keep their money in safe custody. To

ensure the safety of their money, people deposit their money with banks. Banks accept

deposits and pay interest on deposits. People have the provision to withdraw their

money as and when they require it.

2. Banks also grant loans to people for a variety of purposes. In times of need

individuals, business houses, and industries can borrow money from the banks.

3. Credit provided by banks is crucial for the country’s growth and economic

development. Credit is needed for all kinds of economic activities, to set up a business,

buy cars, houses, etc.

4. Banks also help people in obtaining cheap and affordable loans. This can help people

to grow crops, do business, set up small-scale industries, trade-in , and also

help indirectly in the country’s development. They should do so so that relatively poor

people do not have to depend on informal sources of credit (money-lenders).


Money is created when banks lend. The rules of double-entry accounting dictate that when banks create a new loan asset, they must also create an equal and opposite liability, in the form of a new demand deposit. In this sense, therefore, when banks lend they create money.

What is a personal loan?

A personal loan is a type of loan which can be used for versatile reasons. The other types of loan such as home loan or car loan, can only be used for particular purposes. Personal doesn’t have a fixed area as such.

Personal loans can be a useful option if used wisely. In scenarios where you are running behind your payments and have no other options to manage it, a personal loan can help you in bringing your life back on track. However, it can be dangerous if you do not put a lot of thought into it.

Personal loans are provided by banks as well as private money lenders such as personal loan in toa payoh. But before you make up your mind, here are some pros and cons of personal loans.


1.     Versatility

Unlike other types of loan, personal loan can be used for any purposes unless there are restrictions in place. In most cases, personal loans are meant for personal requirements.

2.   High Borrowing Limits

Personal loans have high borrowing limits. They are similar to credit cards. With high limits, the interest rates get lower. But there is a catch (look at the cons section).

3.   No Collateral

Personal loans do not require collateral. This means that you do not have to put your car or your home on the line as a guarantee of repayment. However, if you fail to repay the borrowed sum, the consequences may be severe.


1.     High Interest Rates

Personal loans have high interest rates. If you borrow a large sum under a personal loan, the interest rates are lower but they are low in a sense. They are still high. With a large sum, you pay large interest. Even if the rate might seem low on the graph.

2.   High Penalties

If you fail to meet the repayments, the penalties are high on personal loans. Go for personal loans only if you are sure you can meet the repayments.

3.   Increase Debt

Personal loans can increase your debt if not used wisely. Personal loans might seem delicious at first but it can turn disastrous if not planned carefully. Personal loans have made people fall into debt and in turn ruin lives.


The prose of personal loans include that they are versatile and flexible. They have high borrowing limits and require no collateral. The cons are that they have high interest rates, high penalties and they increase debt if not managed smartly.

Hr benefits of corporate gifting

There are several presents produced specifically for certain occasions. Corporate gifts are products presented or given to employees by their employer. These presents are provided only to make the business family happy and connected, rather than as a symbol of appreciation or goodwill.

Below mentioned are some of the hr benefits of corporate gifting

  • One of the most effective methods of motivating staff

When you are at work, you are likely to experience stress and anxiety. Stress is created not just by the company’s pressure to complete tasks on time, but also by employees’ devotion to giving their all to their jobs. When a company requires efficient and productive work from its staff, motivation is critical. Here, corporate giving is one of the greatest ways to thank and inspire your company family.

  • Aids in increasing employee job satisfaction

Positivity draws positivity, therefore increasing employee job satisfaction is critical. When an employee gives his or her all to your firm, he or she wants to know that his or her efforts are benefiting the organization. Giving company presents every year is a terrific idea that will also assist to increase employee job satisfaction.

  • The best way to express gratitude

Saying thank you is a terrific idea, and it is one of the great gestures that you must employ in your business to foster strong bonds. It is critical to demonstrate to your staff and clients that you value and rely on them at all times. With the aid of corporate gifts, you can express gratitude to your staff for the time and effort they have put in to keep the company running smoothly. Corporate presents demonstrate that you value and appreciate the items you require, which were supplied by your staff. With the aid of corporate giving, you can easily express gratitude to clients who have been loyal to your company for a long time.

  • A fantastic method of marketing

Distributing your brand’s logo or name with presents or in the form of a gift may pique people’s interest in your company. It would be an excellent marketing plan for growing the firm. Customers that get a corporate gift are more likely to return for the items and services you provide.

  • To strengthen the link for a longer amount of time

Employees and customers are the two essential foundations of every firm; if one of them fails, you may suffer damages. You can achieve achievement if you pick a corporate gift  to strengthen your relationship with your company family. It allows you to stay at the top of your client’s minds. Employees will be pleased to witness your remarkable gesture and will continue to work for you and the organization.


Thus you can understand, investing in corporate gift ideas for clients and staff pays off in the form of actual income and a better image for your firm. Aforesaid are some of the HR benefits of corporate gifting.

What is an $800 payday loan?

It’s straightforward and quick to get an $800 Payday Loan online or at a nearby store. It is available to persons with bad credit and does not require a credit check, nor does it require a guarantor. After the repayment time has ended, the funds are debited from your bank account. There are several ways to apply for a loan; you must weigh the options and choose the one that best matches your requirements. A trustworthy payday loan provider is a great way to get a quick $800 payday loan online.

Get an $800 payday loan online

The best location to acquire a stable and comfortable $800 loan without any credit check is from a reputable lender you’ve studied properly. Many lenders who offer “no credit check” loans may engage in predatory lending practices. This is why it’s critical to read through all of the terms and conditions before agreeing to them. We’ve all experienced occasions when a little extra income might come in handy. It’s also harder to tell where and when to look when you’re in need of a little extra income. However, borrowers in this position have a number of other financing options.

Qualification for getting an $800 loan

People in need of money frequently ask what standards they must meet to obtain a loan. Standard requirements include being a local resident, being an adult, and possessing a personal bank account. However, income criteria and credit score restrictions may differ. It’s vital to keep in mind that even if a company claims to work with people with terrible credit, their applications may still be rejected for a variety of reasons.

Looking for a reliable lender for an $800 payday loan?

Lenders used to only give payday loans up to $500 in the past. This was because such loans were accepted based on consistent income rather than collateral or security. However, as the market has become more competitive, payday loan lenders have begun to offer borrowers more options, including loans of larger amounts, such as $800 and more, and as a result, lenders are increasingly likely to issue $800 payday loans.


Before you take out a loan, make sure you read the loan agreement thoroughly to catch all of the fees and penalties. If you have questions regarding your state’s laws, visit your state’s government or a money lender’s website for further information.

Pros and Cons of Bad Credit Loans

Are Bad Credit Loans a good idea?

It always makes sense to be careful when choosing a loan, especially if it is a Bad Credit Loan, as offers may vary and you can get very unfavorable rates and conditions.

A bad credit loan may be your only option if you find yourself in a difficult life situation and cannot get a traditional bank loan. However, this loan is not always a good solution even when you have no other choice. It’s highly recommended to get as much information on the subject as possible. For example, read carefully “Best Loans for Bad Credit August 2021”. Study the pros and cons of Bad Credit Loans. It will help you understand if this option is right for you or is it worth looking for another alternative.

Benefits of Bad Credit Loans:

• Fast approval. Since Bad Credit Loans also have an online application, the approval process does not take long. In some cases, you will even be able to get a loan on the same day as you applied.

• Minimum eligibility criteria. Bad Credit Loan does not have a lot of requirements. The main factor that you must meet in order for your application to be approved is income.

• Terms of payment. Often, you will have to repay the loan from 1 to 5 years, which is often enough to cover any debt.

• Large selection of lenders. Now more and more lenders are offering their services to people with bad credit. Thus, you can choose the option that suits you best.

• Credit improvement. If you make regular payments on time, your credit score will be improved. You can get more information on credit reports and scores here.

Disadvantages of Bad Credit Loans:

• Interest rates. Since this type of loan is risky, loan interest rates for bad credit are often higher than those of traditional loans. Thus, it can be quite difficult for you to repay the loan if you receive very high interest rates.

• Collateral. Some lenders ask borrowers to provide collateral in order for their loan application to be approved. However, you should understand that if you are unable to repay the debt on time, lenders will take your collateral in order to cover the loan debt.

• Commissions and fees. Depending on your choice, lenders may also charge a loan origination fee, early repayment penalty, late payment penalty, and more.

• Availability. Not every lender provides his services in all states. Thus, make sure that the type of loan you choose is available where you live.

• Chance to get into debt trap. Some lenders have disadvantageous offers with high interest rates that are almost impossible to pay back.

Are bad credit loans a good idea?

Although this loan may be your way out of a difficult life situation, it is recommended that you think several times before applying. This loan would be a good idea if you find an offer with relatively low interest rates and are confident that you can pay off the debt on time.

However, if the selected lender does not verify your income, does not ask for a credit check and guarantees that you will be approved no matter what – you are most likely dealing with a scammer or someone who will offer you extremely high interest rates. If you come across such an offer – refuse it and find another lender who will meet your needs.