Montasir Ahmed's Blog http://montasirahmed.com Personal Blog Wed, 15 Apr 2020 10:28:54 +0000 en-US hourly 1 https://wordpress.org/?v=5.4.1 57838252 The Truth about Sexting http://montasirahmed.com/truth-sexting/ http://montasirahmed.com/truth-sexting/#respond Wed, 15 Apr 2020 10:28:54 +0000 http://montasirahmed.com/?p=523 In this modern world of digital technology, people have managed to infuse modern tools in promoting sexual behavior. Some use this to keep the fire burning in long distance relationships, other who engaged in multiple partnerships, with both genders, used this as a form of self-advertising and teens have used this as a coming of …

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In this modern world of digital technology, people have managed to infuse modern tools in promoting sexual behavior. Some use this to keep the fire burning in long distance relationships, other who engaged in multiple partnerships, with both genders, used this as a form of self-advertising and teens have used this as a coming of age entry to more serious sexual behaviors. What am I talking about? Sexting.

What is sexting anyway? Sexting is a combination of two words: Sex and texting. It is defined as the act of sending sexually explicit messages and/or photographs, primarily between mobile phones. This means sending an explicit text message accompanied with a sexually suggestive image. The term was first coined in an article back 2005 in the Sunday Telegraph Magazine. The term sexting has since been used in countries like the United Kingdom, Australia, Canada and the United States. In a survey conducted by Cosmogirl.com, it showed 20% of teens within the age range of 13-20 and 33% of young adults within the age range of 20-26 have admittedly sent naked or semi-naked pictures to the opposite sex. For teens, it has become a prelude to sex or experimentation for the ones without real experience.

This form of behavior has alarmed many parents across nations and cultures. In the United states, teenagers who have sent a naked photographs of themselves have been charged with distribution of child pornography, while the individuals who received the naked photograph through sexting was charged with possession of child pornography.

Sexting
Watching nude/semi-nude images/videos of partners.

Psychologists have concluded that sexting, as a behavior will later on create mental instability in the teens who have engaged in such activities, having to face the consequences of their actions later in life. In Canada, they are pushing a no-sexting act, to compel Internet and telephone companies to hand over personal customers’ information to law enforcement agencies for cases of sexting involving minors which is classified under the law as child pornography. The risks are widespread, with the use of social media, due to the easy propagation of the materials online. In recent a sexting awareness parent study, it shows 61% of parents worry that it will result to cyber bullying among teenagers. It shows that parents who are aware of sexting are more likely to talk about the issue to their children as compared to those who are not open to discussion. Also, parents who are aware of sexting are more aware of the legal consequences as opposed to the parents who are unaware of it.

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According to survey, 15% of parents admitted that they do not understand and are unaware of the potential dangers associated with sexting. Parents now have increased awareness of what it is and how it can affect the lives of their teens in the long run. Parents, who are aware of the issue, are now more open to talking to their children about the truths concerning Sex.Ting.

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Keep you fit and safe while exercising in the summer http://montasirahmed.com/keep-fit-safe-exercising-summer/ http://montasirahmed.com/keep-fit-safe-exercising-summer/#comments Mon, 13 Apr 2020 10:09:49 +0000 http://montasirahmed.com/?p=495 The heat of the sun can be merciless during the summer, especially for those who like to exercise outdoors. Whether you are a cyclist who hammers out hours in the saddle or just someone who enjoys a morning jog or an occasional boot camp, there must be some safety precautions you should keep in mind …

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The heat of the sun can be merciless during the summer, especially for those who like to exercise outdoors. Whether you are a cyclist who hammers out hours in the saddle or just someone who enjoys a morning jog or an occasional boot camp, there must be some safety precautions you should keep in mind when exercising outdoors in comparatively high temperatures. Heat stresses the body & causes responses that could be precarious when left untreated. Keep your body cool & your workouts safe by being mindful of a few things, such as exercise times, hydration, nutrition & clothing.

Human body’s Response to Heat

exercise 3Your core temperature rises when you exercise in the heat & your body responds with its natural cooling mechanism: sweat. As sweat evaporates from your skin, it actually, helps to reduce your body temperature. Prolonged exposure to the heat can result in excessive sweating & dehydration, which in turn can cause you to develop heat-related complication such as heat exhaustion, heat cramps & the most dangerous — heat stroke. Luckily, there are a number of preventative measures that you can take to avoid getting sick in the summer.

Pay Attention to Hydration and Nutritional Needs

The single most important element to safely exercising in the heat is hydration. When you are planning to train in heat, take a preventive strike against dehydration by beginning to take water an hour or two before your exercise begins. During exercise, strive to drink about 7 to 10 ounces of liquid every 20 minutes. Mr. Joy Von Werder, Florida-based USAT triathlon coach & owner of Train to Tri coaching, is very familiar with the cruelty of outdoor training in warmer months. “In the hot summer, we lose a large amount of fluid. So it is important to replace those with electrolytes; the liquids containing potassium, magnesium and sodium,” recommended by Von Werder. Your nutritional needs also increase during exercise or daily workouts, especially in the heat. Vitamins play a vital role in energy production & since they are often lost through sweating, it may be a good idea for those who regularly train in hot temperatures to supplement with a multivitamin.

What Should You Drink?

What Should You DrinkSports drinks are meant to aid in hydration & replace essential nutrients lost during intense exercise. If you are just going for a morning jog or doing less-hard work out in the gym, water is fine. But, for workouts lasting more than an hour or taking place in extreme condition, a sports beverage will help your body replace sodium & other electrolytes lost through excessive sweating. Sports drinks basically help prevent dehydration because they are more flavorful — many people are more likely to keep on sipping a sports drink than plain water because of taste.

Wear Clothing suitable for Exercise in the Heat

Taking exercise in cotton t-shirt is a thing of the past. Today, the market is flooded with high-tech clothing & fabrics to help you stay cool in the heat. Wear light-weight, light-colored clothes made of sweat wicking materials like Drymax, CoolMax or Smartwool to keep from becoming a hot, soggy mess. Keep in mind that, sweat cools your body as it evaporates from your skin, thus clothing that keeps sweat trapped on your body will interfere with this natural cooling process. There are also special materials available that block a portion of the harmful UV radiation which can lead to sunburn & overheating. These fabrics are rated by an Ultraviolet Protection Factor (UPF). Like SPF used in sunscreen, UPF measures the degree to which fabric disrupts UV rays, ranging from 15 (good) to 50+ (excellent). Although these fabrics can help prevent sunburn, it is still very important to wear & reapply a sweat-proof sunscreen every 90 minutes, according to Von Werder.

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To prevent overheating outside, give your body the chance to adapt to the hot summer environments. If you live in a dry, cool region, the heat & humidity of other areas will come as a shock to your system. Take exercise in these environments over a couple of weeks by slowly increasing your exercise intensity & duration. If possible, save your highest intensity training sessions for cool months. For example, if you are planning to run a marathon, choose a race that takes place in early summer, fall or, winter. This will allow you to complete your hardest training in the cooler spring & fall months.

Create a Backup Plan

On mid-day when the heat is intolerable for your pre-planned workout, then you must have a backup plan that either shortens your workout or takes it inside. When the heat is too much, “some people prefer to exercise indoors & take part in an indoor cycling or spinning class, or even swim,” says Von Werder. An indoor exercise may seem boring, but you will be able to train harder & longer without putting yourself at risk for developing heat-related complications. Last, make sure you discuss your medical risks with your doctor. If the situation leaves you prone to overheating, plan your exercise schedule accordingly.

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Reprocess an Old Tablet – Three Remarkable Ways http://montasirahmed.com/reprocess-old-tablet-three-remarkable-ways/ http://montasirahmed.com/reprocess-old-tablet-three-remarkable-ways/#comments Sat, 11 Apr 2020 09:03:09 +0000 http://montasirahmed.com/?p=450 If you’re something like me, you’re starting to amass quite the tablet compilation. Sure, yes, I write about them for a living, thus I probably own more than my fair share. However now that these devices have been about a few years and prices continue to plummet, I’m estimating you’ve got an older model or …

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If you’re something like me, you’re starting to amass quite the tablet compilation. Sure, yes, I write about them for a living, thus I probably own more than my fair share. However now that these devices have been about a few years and prices continue to plummet, I’m estimating you’ve got an older model or two in the closet, assembling dust.

You might attempt to get a few bucks for them on Craigslist or Ebay, or you can bequeath them to the kids for games, books, and movies. However there are other ways to recycle an old tablet, a few of which might surprise you.

1. Create a devoted music server

tablet 2I’ve always been charmed of Sonos music systems, which put an everlasting supply of music at your fingertips; however I’m unwilling to pay the premium price for individual.

Auspiciously, I don’t have to: With just about any old tablet & a standalone speaker, I can valve into all the music of the world.

For starters, I suggest getting a Bluetooth speaker or speaker dock — somewhat designed to pair with a Smartphone or tablet. Bluetooth speakers are particularly great if your tablet supports that trait, as you can access all your tunes devoid of having to stay physically tethered. Immediately I’m loving the Braven 850, a compact although powerful Bluetooth speaker that can fill any tiny- or medium-size room with warm, rich aural.

From there it’s merely a matter of stocking the tablet with your music compilation and a good assortment of music-streaming apps. Besides obvious choices like Pandora and Spotify, be certain to check out Rdio, Slacker and TuneInRadio. This final lets you listen to local radio stations from about the world, all free of charge.

And if your tablet lacks adequate storage for your entire own library, you can stream it from your PC utilizing a music-server solution like Plex.

What’s cool regarding all this is that your tablet serves not only like the gateway to all this great music, but also the organizer.

2. Create it a permanent photo frame

Digital photo frames are excellent, creating an endless slideshow of your preferred pictures but this is not just a few dozen, however hundreds or even thousands of them.

If your aged tablet is collecting dust, why not repurpose it for border duty? All you need is the correct app — preferably one that can drag photos from online sources instead of simply displaying those loaded into the tablet’s reminiscence.

For instance, Digital Photo Frame Web for Android will exhibit a running slideshow, complete with fades & other transition between pictures, and can entrance local, Flickr, Facebook, and Dropbox folders. As a result, whenever you want to insert photos to the “frame,” you could merely e-mail or upload them to one of those accounts.

If you contain an iPad, it’s even easier. There’s a slideshow trait built right in, and in fact this would be a large way to leverage Apple’s Photo Stream trait: Any new shots captured by your iPhone can automatically show on your iPad.

3. Contribute its processing power to science

An elderly, single-core tablet processor may seem as a dinosaur nowadays, but it’s still far more influential than the computers that get the Apollo astronauts to the moon. Huge powerful, in fact, that it could help lead to scientific penetrates.

Some projects aim to leverage your Android tablet’s superfluous processing power to discover new stars and search for new techniques to treat AIDS.

Earlier, these volunteer computing endeavors were limited to real computers, but as noted by IBM, mobile devices, total computing power surpass that of the largest conformist supercomputers. In other words, there’s numerous untapped tablet power out there that could be harnessed for well.

To unite the citizen science brigade, simply install an app named BOINC on your unused tablet, and then leave it clued-up so it can continue to operate. In switch for a tiny bit of electricity, you can assist the world. Pretty cool deal, I’d say!

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Freelancer Cover Letter – Sample And Rules http://montasirahmed.com/freelancer-cover-letter-sample-and-rules/ http://montasirahmed.com/freelancer-cover-letter-sample-and-rules/#respond Thu, 09 Apr 2020 07:40:49 +0000 http://montasirahmed.com/?p=1378 Freelancers are self-employed professionals working in a variety of fields. Many Freelancers work remotely and collaborate with clients over the Internet. Essential responsibilities of a Freelancer are applying to projects, discussing requirements with clients, preparing portfolios, submitting work samples for test, completing assigned work, taking feedback from clients, reviewing work if necessary, handling financial duties, …

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Freelancers are self-employed professionals working in a variety of fields. Many Freelancers work remotely and collaborate with clients over the Internet. Essential responsibilities of a Freelancer are applying to projects, discussing requirements with clients, preparing portfolios, submitting work samples for test, completing assigned work, taking feedback from clients, reviewing work if necessary, handling financial duties, and completing self-promotion activities.

A well-written cover letter sample for Freelancer usually mentions the following skills and qualities:

  • Extensive experience in their given field
  • Effective communication
  • The ability to follow instructions
  • Problem-solving abilities
  • Confidentiality
  • Creativity
  • Computer competences
  • Deadline orientation
  • Being able to handle constructive criticism
  • Attention to details

Below is provided an example cover letter for Freelancer demonstrating similar abilities and experience.

Dear Ms. Andrews,

As a self-employed, reliable, and highly experienced Freelancer with expertise in web/graphic design, social media, and brand messaging, I am certain you will find my skills and talents to be of value. With this in mind, I invite you to consider the enclosed resume detailing my experience and credentials as you look to fill RoundUp Media’s needs.

From consulting with clients and developing initial ideas and concepts to managing all facets of projects and coordinating with cross-functional team members, my experience has prepared me to excel in this freelance capacity with RoundUp Media. With my impressive professional achievements in graphic design and marketing, my additional strengths in business development, project scheduling and budgeting, and superior client service position me to thrive in this challenging and creative position.

Highlights of my background include…

  • More than 13 years of excellent freelancing experience supporting a range of clients in visual identity/branding, web and graphic design, social media consulting, marketing communications, copywriting, and editing.
  • Consulting with and managing special projects from inception through execution for global and emerging brands across diverse industries.
  • Building organizational websites using knowledge of coding, design principles, SEO/SEM, and content management systems.
  • Managing my own successful business for more than a decade, encompassing portfolio development, prospecting, personal finance management, networking, time management, and effective communication and self-marketing strategies.
  • Earning consistently stellar feedback from clients, resulting in extremely high levels of repeat business and word-of-mouth referrals.
  • Utilizing excellent organizational, problem solving, and interpersonal skills to propel client projects to peak results.

With my comprehensive experience in web design and marketing support, coupled with my enthusiasm and dedication to helping clients achieve success, I believe I could swiftly surpass your expectations for this role. I look forward to discussing your needs and what I can offer in further detail.

Thank you for your consideration.

Sincerely,

Ella M. Loman

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How Modern Shoes can Visibly Inspire your Shoe Addiction http://montasirahmed.com/how-modern-shoes-can-visibly-inspire-your-shoe-addiction/ http://montasirahmed.com/how-modern-shoes-can-visibly-inspire-your-shoe-addiction/#respond Tue, 07 Apr 2020 07:34:44 +0000 http://montasirahmed.com/?p=384 On the lookout for the perfect shoe a woman is drawn to classic staples, as well as that certain something that she has not yet added to her shoe collection. You are looking for a shoe that offers that certain something. There is that certain kind of shoe that immediately appeals and says, ‘Buy me’. …

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On the lookout for the perfect shoe a woman is drawn to classic staples, as well as that certain something that she has not yet added to her shoe collection. You are looking for a shoe that offers that certain something. There is that certain kind of shoe that immediately appeals and says, ‘Buy me’. A woman with an addiction to shoes may be a mystery to a man, who does not collect shoes himself. The secret behind every alluring woman’s shoe is the ability to transform her and at once to excite a man. Look for a shoe that is great at offering this mix; a woman feels confident she is making a statement by the innovative design of the shoe while a man feels ultimately intrigued by the modern woman. A romance is born.

The Concept behind the Best Modern Shoe

Shoes today are often about the clarity of the modern concept and the innovation of dynamic design. New shoe design is all about recognizing new innovative design by international teams across the world. Shoe brands are often now sold worldwide in over 40 countries, with shoe flagship stores being in Shanghai, Paris, Milan, New York, London and Amsterdam.

Shoe Addiction 2The intriguing aspect of a modern shoe can come from many features. Bright bold detailing and the elegance of design are very modern features. Designs can be punchy and suitable for making a fashion statement on a girl’s night out when paired with an understated dress in the minimalist style.  Also, shoes should look naturally daring in any modern interior, making a girl look extra special in a bar, restaurant or hotel interior in the evening.

The Influences behind Modern Design

Look for additions to your shoe collection, instead of always buying a classic statement like a Jimmy Choo Ciggy Heel or the Christian Laboutin red sole. Some of the most interesting shoes out there intersect between design and fashion so all kinds of artists from all disciplines will be drawn to them.

How to Introduce New Shoes to your Shoe Collection

There is no point in having a shoe addiction unless you can use your shoes to make an overall strong fashion statement. Maybe girls just like the shoes and wish them to be the focus of an outfit, but were shoes really meant to be ornaments? No, they were meant to spark an idea, catch a dream or say something as part of an overall taste of an outfit. Some shoes will look great with the new look of effortless simplicity and new minimalism as advocated by this month’s Elle issue. The secret is all in the cleansing virtue of the modern design, simple, evocative and fun. The perfection of the piece becomes important.

Vintage Shoes add Spice to any Shoe Collection

Alternatively, a woman can look for vintage shoes to go with a classic black dress. The black dress can be stunning in its simplicity and elegance, so a shoe that will go with it will ultimately say the same thing. Many women are very proud of their vintage shoe collection, and so they should be. Vintage pieces are known to hold their value much longer than buying modern shoes. The internet has recently become better at selling vintage shoes once the appeal behind them was well known. In fact, this can be one of the best places to nab a vintage bargain as well as going to vintage boutiques. Some examples of fetching vintage shoes include the sexy 1940s high heels, 1930s lace up Oxfords, 1970s hippy wedges, 1960s Mary-Janes and 1980s electro flats. Mixing styles from different eras can create a very inspirational look. Vintage pieces keep their value for longer as designer pieces are often better made than modern clothing or accessories, meaning they have a longer lifetime.

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An incident as an article writer and the recovery http://montasirahmed.com/an-incident-as-a-writer-and-the-recovery/ http://montasirahmed.com/an-incident-as-a-writer-and-the-recovery/#respond Sun, 05 Apr 2020 06:19:52 +0000 http://montasirahmed.com/?p=355 As a freelancer, for many days I want to learn about article writing, content writing and so many more.  After sometime I learned these from a great institution. As a freelance writer, I had written so many articles in past days and clients have given me good feedbacks also.  All my clients seem to be …

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As a freelancer, for many days I want to learn about article writing, content writing and so many more.  After sometime I learned these from a great institution. As a freelance writer, I had written so many articles in past days and clients have given me good feedbacks also.  All my clients seem to be satisfied with the quality of my work. Now I am happily working with three old clients of mine from different parts of the world. But one client does not absorb any mistake of me.

articleI made some articles for them in two days earlier and save these in a folder named ‘Client’s articles’. I thought that I sent those articles to my clients in evening. That’s why I saved it in desktop. After that, my Laptop was working slowly which means to say there is a virus,that’s why I told my brother to fasten the laptop through installing any antivirus software. He just came and sat to fasten the laptop with antivirus software, probably it was Avast. My brother washed off the viruses with software from my laptop. How cool and how bad..!! I didn’t find those files in my laptop anymore. Boom! It was empty, just gone everything. I complained on and on to my brother in deleting the files but he explained that the virus attacked the folders and its contents. I quarreled with my brother to delete that folder, calling him stupid and so on, also telling that I will never trust him again on these purpose. I know that it was not his fault but I told him to learn more about the software before installing it so this will not happen again.

I was too dumb to forget about backing up my laptop before getting the antivirus in there.Now I know that I have to always make a backup file for my laptop in order for the antivirus to fix the problem without deleting all my precious files. I was so angry at myself for making this stupid mistake, I wanted to scream out (actually I did in silent) to the world that I did this on my own and I should deal with it!

Then I thought that how can I make up my mistake, how can I told my clients about this. I’m not very worried about the other two clients because they are very understanding when it comes to things like this, but I am furious about my one employer who wants everything to be perfect. White lies, these were the ones who saved my day and apparently my career. I convince two of my clients that my laptop had been stolen and my articles which I wanted to give them were in this laptop. That’s why they had to give me some time to re-write these articles. As they are well-known for me, they gave me extra time to re-write. But another client didn’t understand my point. He just ignored my words and showed some arrogance and also ended my contract with him. Not only that, he gave me a bad feedback as well (my lowest ever, 4.3 out of 5). Although it did not affect much as almost all my feedbacks were above 4.9, most are 5 of 5.

Then I started for my pending works for those clients who understood me and satisfied with my work. I searched the information again for those articles which I have to deliver. Then I started to write with so much consciousness and sent those to clients within the extended period.

This is my memorable and also a painful moment in freelancing life. From that occurrence I have taken a lesson that in laptop or pc, you have to save a backup file of any kind of file you write or any other important documents. Otherwise you’ll be set u p in the unemployment life.

Do you think, “That’s all”? Nope! 5 years of professional career, lot more like this is coming. Am I told you that, I was almost into the jail for writing something? NO? 🙂 🙂 Then just stay tuned, I’ll be back with the story very soon. Thanks for your time.

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HOW BUSINESS OWNERS CAN DECIDE ADEQUATE INSURANCE COVERAGE IN UAE http://montasirahmed.com/how-business-owners-can-decide-adequate-insurance-coverage-in-uae/ http://montasirahmed.com/how-business-owners-can-decide-adequate-insurance-coverage-in-uae/#respond Fri, 03 Apr 2020 05:47:27 +0000 http://montasirahmed.com/?p=1344 As prospective business owners, it is very vital that they put into consideration the insurance coverage of their business in the planning stage of the business. So many business owners in The United Arab Emirate most especially the Real Estate business owners failed to recognize the importance of insuring their business before they get started. …

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As prospective business owners, it is very vital that they put into consideration the insurance coverage of their business in the planning stage of the business. So many business owners in The United Arab Emirate most especially the Real Estate business owners failed to recognize the importance of insuring their business before they get started. They see it as unnecessary or too expensive to run and as a result of this they cause more harms to their business than they think. According to the survey conducted by Souqalmal.com (2015) they discovered that 86 per cent of the UAE don’t have home content insurance. In the survey, almost 45 per cent consider it to be not a primary issue. To be successful in the real estate business as a properties owners or a broker you need to consider the insurance policies that are necessary to your business to have a strong retention and fast growth in your business.

Deciding Adequate Insurance Coverage

In adequate to the Dubai health insurance law No. 11 (2013), which stated that the sponsor has the legal right to make provision for the necessary insurance packages that every employee have access to suitable insurance cover. There are some certain things you need to put in mind in deciding the adequate insurance cover for your chosen businesses before proper planning can be carried out. Five things to be considered in planning insurance coverage are:

Package Benefits

Apart from the budget, it is necessary to differentiate the right health insurance plan that provides the true package and benefits for your business and employee. There are variable that is available to be chosen from when making decisions.

Despite the fact that the health insurance plan covers the UAE, this does not denote that the policies covered every hospital in the country. This is the reason it is necessary to check the list of hospitals and clinics under the insurance companies’ medical network to ensure that the right one is not at the disadvantage to your company and to your prospective workers in the term to nearer to their locations and the company location. The less time your worker’s research and have a quick access to the hospital or clinic, this will make them be happy with your company and the faster it becomes for them to get their tasks done. It is of important to select the best alternative among the medical network package list to provide your workers with the straightforward access to the services in lieu of them settle with all the paperwork and monitoring the insurance company for recompense and if this is not avoided it reduced the productivities of the workers and the company will reduced in profit making.

Here are some guides that will help prospective business owners to find packages of their choice.

The first guide is to motivate your employees or workers to be more open with their medical record history that contains their health. This will assist the company and the employee’s interest. It will be unfair if clear details of their health are not given at the initial consultation and later come back with strange treatment. This can lead to the rejection of the worker.

There are various insurers with non-identical policies with various benefits and also with many perils that need to be examined prudently.  Juxtapose between the insurance policies in the real time through renowned companies before you decide the adequate insurance.

Carry out more details reviewing some number of insurers to find which offer the better policies.

Evaluate the present conditions and unexpected costs

Some companies fail to make enquiring from their employer about their previous medical history to help them plan for the future unexpected costs. Many insurance companies covered 100% for pre-existing conditions and some companies pre-defined medical history and they have a limitation at which they can offer. It will be good every detail is clarified before the adequate conclusion is made to save the company unnecessary headaches.

International Prove

You need to put into consideration if the company required traveling abroad outside the UAE often, ensuring that the chosen insurer company offers the extension of their services in the proposed countries of your choice.

To avoid choking up with a huge amount of money when you need medical attention while you are away on a trip abroad, you need to select a plan that has international coverage.

Coverage Continuation

Coverage Continuation needs to be ensured during the initial consultation to ensure that employees’ interests are guided by policies discontinuation when changing to another insurer. This will help protect the recipient from barring or unnecessarily prolong periods for an illness that happened during the time of coverage period. The renewal agreement will guarantee that they can proceed without stopping their initial coverage and then start another new waiting periods and exceptions to avoid paying the extra premium. Employers are encouraged to enter such an agreement to ensure the uninterrupted wellbeing of their workers or employees. The more time you stay with your insurance donor, the finer you become. The insurance companies will not refuse a continuity of the policies if at all worker has developed persist medical condition so long the employee has been allowed into the plan. Renewal price might not be every year.

Seasonal Market Research and Analysis

Seasonal market research needs to be carried out all the time on the various plans from different insurance before you renew the existing one or policies just to ensure that you choose the best at that particular period for your employees. This will make the employer be certain that they are getting the upmost benefits on their healthcare. Most of the time, many competitors provide the same benefits with the same amount, lower or higher. Sometimes, this research is necessary and time consuming but at the same time it helps the company to discover a new technology that might enhance the growth of the company with smart insurance policies or programs in real- time.

These five things are not limited to a particular industry. It is applicable to all industry in choosing any type of insurance coverage for any industry or company of your choice. Where the difference comes to play is that there are different policies for a particular industry or company depending on the risk involved. For example, the insurance policies for the Shipping industry and that of the manufacturing industry must be different in terms of monetary involvement in buying the premium.

For this write up, I will be limiting it to Real Estate Industry. As real estate agent or property manager, you will need an insurance coverage that will cover the Buildings you are managing, the employees that are working with you and other company properties like motor vehicles for running around, offices and computer systems.

Why you need insurance Coverage for your real estate business in UAE

Employee’s Healthcare coverage

The most valuable asset that a company has is the human resource. Business owners need to make life convenient for their workers to increase their productivities to growing. As they say that health is wealth and without a good health employees will be limited in their daily productivities to make the company achieved their goals.  A lot of companies pay more attention to their workers’ health and provide them with a conducive environment that will make the business to be more successful or thrives. If the healthcare of employees is lower the rate of turnover will be also lower.

Buying premium health insurance for your employees differs from one company to another and the amount you pay depends on the size of the company. A thorough finding and calculations need to be carried out before deciding which you will go to have a quality healthcare for your workers.

Property Insurance coverage

Building properties, Business establishment, Warehouses, Factories, offices and both the fixed and unfixed properties are at risk of losses caused by natural disasters and industrial disasters which can be insured with Insurance companies. Property insurance includes the comprehension of the risks that your properties are exposed to which need to be single out and protected. Adequate solutions need to be provided to meet the nature of losses and related peril which differ for different activities that are carried out on a daily bases.

Buying premium property insurance for your company properties differs from one company to another and it depends on the size of the company and the risk involved. The more the risk the more the amount of the premium you purchase. But in the case of home owners in dubai, they have an affordable premium that covered their home. As for cheat as it is some many home owners still it difficult to secure for disasters.

There are three types of coverage home insurance policies provide in the UAE and they are very affordable. As a real estate business owner it is very cheating to get premium insurance for your properties to avoid putting your investment into risks.

The following are the three types of insurance coverage:

  1. Building coverage: This is the type of insurance coverage that covered the physical premises of a building and it compulsory to have it whether if you owner or a tenant.
  2. Home contents coverage: This is a coverage that covered the internal contents of the home like furniture, household properties and devices. It is appropriate for the home owners and tenant to have this premium.
  3. Personal belongings coverage: This is the type of coverage that covered your personal properties that is inside the home as a tenant or as an occupant and these are personal electronic devices like your smartphone, camera, television or laptop and jewelry, and other gadgets that are moveable outside the home.

There are different risks around us and our home like earthquakes, rainstorm, fires, flooding, thieves etc. You can conceptualize the kind of emotional stress investors go through when they lose their life earning investment without any compensation from anywhere because they failed in their obligation to insure their properties for unplanned future occurrences. As a future business owner, you endeavor to learn from the past mistakes of others that have to lose a lot of properties as a result of avoidable mistakes that cause them misfortunes. Getting a home insurance coverage as low as Dh1 per day on the insurance premium could go a long to save us a fortune.

Let us do some mathematics analysis insuring your home, its contents and also your personal belongings:

                      Home insurance premium for the home owner

The worth of insured property and Item s

Insurance premium

(Building content& personal belonging )

Cost of insurance in percentage.

The type of property Building Contents Personal Belonging
Apartment Dh10,500,000 Dh200,000 Dh50,000 Dh8600 0.08%
Villa Dh15,300,000 Dh200,000 Dh50,000 Dh9330 0.06%

Calculations

Apartment=Building+content+Personal Belonging*0.08100%

=10,500,000+200,000+50000*0.08/100

=10750000*0.08/100

=860000/100

=Dh8600

Therefore, total premium for the year is Dh8600

For the the owning a property of this amount you just pay a token of Dh860 per annum to insured your properties.

Villa=Building+content+Personal Belonging*0.06100%

=15,300,000+200,000+50,000*0.06/100

=15550000*0.06/100

=933000/100

=Dh9330

The total insurance premium for owning the worth of this apartment per year is Dh9330

Home insurance premium

The worth of property insured and Items Insurance premium

(Contents +personal belonging )

Cost of insurance

 In percentage.

Type of property Contents Personal belonging
Apartment/Villa Dh70000 Dh30000 Dh600 0.6%

Apartment/Villa=content+Personal Belonging*0.6100%

=70000+30000*0.6/100

=100000*0.6/100

=60000/100

=Dh600

The total insurance premium for a tenant with the worth of properties of about Dh100000 is just Dh600.

If you are a property owner in UAE like Building Apartment or Villa, You make likely be paying an insurance premium of 0.06 per cent to 0.08 per cent per year with the combination of the total value of the contents in the building or home and personal belonging.

 Doesn’t seem expensive at all!

If you are a tenant in UAE, it is cheating to buy insurance premium to project the contents and personal belonging too. You pay just only 0.6 per cent to insure your properties yearly.

It is shown from the about calculation that it is cheating and affordable to protect your property for an unforeseen disaster of any kind.

You do not know which time you will make use of it, but the most important thing is that when it has happened it save hundreds or thousands even millions of dirhams (Dh).

Refferences:

  1. https://www.khaleejtimes.com/business/real-estate/home-insurance-in-the-uae-its-more-affordable-than-you-think
  2. https://www.entrepreneur.com/article/285771

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What is Lead Nurturing: How Could It Affect My Sales Pipeline? http://montasirahmed.com/what-is-lead-nurturing-how-could-it-affect-my-sales-pipeline/ http://montasirahmed.com/what-is-lead-nurturing-how-could-it-affect-my-sales-pipeline/#respond Wed, 01 Apr 2020 05:15:28 +0000 http://montasirahmed.com/?p=1241 Leads keep the business pumping. They are your potential buyers that could become the very lifeline of your trade. Basically, there are two types of leads – the old and new. The old lead refers to the previous customer who has already made a purchase of your offered product or service before. On the other …

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Leads keep the business pumping. They are your potential buyers that could become the very lifeline of your trade. Basically, there are two types of leads – the old and new. The old lead refers to the previous customer who has already made a purchase of your offered product or service before. On the other hand, the new lead refers to a fresh prospect that is still yet to make an official financial transaction with your business.

Lead generation

Lead generation is a systematic marketing strategy designed to capture and verify real time interests of the target market. This process involves understanding the actual problems and needs of prospects for specific solutions. Today’s lead generation process employs a full spectrum of digital channels as well as a variety of internet driven social techniques.

According to the recent study conducted by Marketo, a marketing automation company, about half of any lead generation system is comprised of prospects that are not ready or interested to buy. MarketingSherpa (marketing research institute)on the other hand, has found out that only about20% of newly acquired leads are most likely to be effectively converted into sales.

Today, the worldwide web becomes more and more accessible to everyone, particularly to buyers with initiative looking for information they need prior to making a purchase of a needed product or service. As the number of self-directed buyers increases dramatically, businesses need to focus more on brand visibility and lead nurturing.

What is Lead Nurturing?

Every buying customer goes through a series of steps or stages before making the final decision to purchase. These are collectively known as the sales funnel. Basically, these are Awareness, Discovery, Evaluation, and Commitment respectively.

(PureB2B, “Understanding the Stages of Your Sales Funnel” https://pureb2b.com/blog/understanding-stages-sales-funnel/ )

Lead nurturing is a form of supplemental marketing tactic which essentially involves building relationships with prospects in every phase of the sales funnel through various platforms. The said prospects are leads you have acquired from the lead generation process. In this particular strategy, a firm foundation of trust between the potential buyer and the company is built brick by brick through various techniques which will be discussed in the later part of the article. And this requires a firm establishment of clear and consistent communication between the company and the prospect throughout the entire cycle.


Importance of Lead Nurturing

Lack of lead nurturing strategy will most likely lead to poor performance of marketing leads. According to Marketing Sherpa, about 70% to 80% of newly generated leads of any system are raw leads. This simply means that such volume of leads is not sales-ready or has the least likelihood of being converted into sales.

(Marketo “What is Lead Nurturing?” https://www.marketo.com/lead-nurturing/ )

According to The Annuitas Group, a demand generation strategy service company, nurtured leads make about 47% larger purchases compared to their non-nurtured counterparts. Forrester recently conducted a marketing research about the impact of lead nurturing strategy throughout the entire lead generation and marketing campaign. This US based market research company has found out that there is roughly around 20% increase in sales opportunity.

Furthermore, results in Forrester research also showed that companies engaged with lead nurturing strategy are able to cut their marketing campaign costs at around 33% while reaping 50% more sales ready leads.

( Hubspot, “7 Amazingly Effective Lead Nurturing Tactics”, https://blog.hubspot.com/marketing/7-effective-lead-nurturing-tactics#sm.000010g8d216zjexiq8gnnnh5vkbk )

Putting the direct benefit aside, practicing a lead nurturing strategy will put your company a step ahead of the competition. This is due to the fact that only less than 40% of B2B marketers of today employ the lead nurturing strategy.

Lead nurturing methods and techniques

Nowadays, a successful marketing strategy doesn’t rest solely on lead generation. Lead nurturing has become a critical component of any B2B’s marketing campaign. The strategy helps marketers and clients build and establish a firm connection with each other throughout the entire sales cycle.

Lead nurturing is a process that requires time and consistency. Here are some effective techniques in establishing a firm relationship with your prospects from the very first lead interaction to the final step of the buying process:

  • Get to know your target market

Before anything else, it is only wise to acquire demographic information of your target market first. Your marketing design and approach directly depends on the type of prospects you are trying to market to as well as their needs and interests. Complete and extensive demographic information can secure a fast and smooth work pace for your marketing team.

  • Develop customer targeted content

Developing precision driven content helps direct your brand or business to the right kind of people. First, you need to acquire a full and clear grasp of your prospects’ distinct personas. Your next move will be to generate content that can accurately address their unique problems, needs, and requirements. Always come up with content with your prospects in mind. Generate something that your target buyers would definitely want to acquire. Basically, this technique is all about providing your prospects with the right kind of content at the right time. Targeted content help businesses secure greater chances of landing sales by up to 20%.

( Hubspot “7 Amazingly Effective Lead Nurturing Tactics”

https://blog.hubspot.com/marketing/7-effective-lead-nurturing-tactics#sm.000010g8d216zjexiq8gnnnh5vkbk)

  • Merge with your SMM campaign

Majority of B2B businesses these days look to the social media platform when it comes to hastening their marketing campaigns and results. ( The Content Factory, “16 Reasons Why Your Business Needs Social Media Marketing” https://www.contentfac.com/9-reasons-social-media-marketing-should-top-your-to-do-list/ ) Merging your targeted content with your social media marketing campaign can help you acquire additional essential information through your prospects’ replies and comments. Engaging your social network through swift responses to inquiries and comments help establish credibility for your business.

  • Marketing in multiple platforms

A good marketer can be consistent in utilizing a particular technique but a wise campaign strategist doesn’t just settle for one. Although social media has become today’s hottest online communication platform, it’s not the only channel being used by majority of buyers in the worldwide web.

According to Smart Insights, the email still has an average open rate of about 21% and a click through of somewhere around 2%-4%. More importantly, majority of smart buyers of today’s generation use the search engines to look for the information they need. Effective lead nurturing strategy doesn’t just focus on a single channel.

( SmartInsights “Email Marketing Statistics”

http://www.smartinsights.com/email-marketing/email-communications-strategy/statistics-sources-for-email-marketing/)

  • Keep it warm

Initiate a quick follow up as soon as first interaction with the prospect is established. Think of this opportunity as a hot cup of coffee left on a table at your porch. Time is of the essence. Act quickly and make a swift follow up while the opportunity is still warm. In the digital era, time runs faster and people are used to getting information in a fast paced manner. Therefore, making a quick follow up will help you secure a buying prospect before everything gets cold.

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Natural Stacks CILTEP Review http://montasirahmed.com/natural-stacks-ciltep-review/ http://montasirahmed.com/natural-stacks-ciltep-review/#respond Mon, 30 Mar 2020 04:51:51 +0000 http://montasirahmed.com/?p=1231 CILTEP is a supplement that promises to enhance mental performance by providing your brain with the natural boost it requires to increase focus, concentration, and information retention. In this Natural Stacks CILTEP Review, we are going to look at some of the product’s main features and also take a look at some of its users’ …

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CILTEP is a supplement that promises to enhance mental performance by providing your brain with the natural boost it requires to increase focus, concentration, and information retention.

In this Natural Stacks CILTEP Review, we are going to look at some of the product’s main features and also take a look at some of its users’ experiences and their opinions about it. This will help us come to a conclusion whether it is worth spending your money on this product or not.

This Nootropicor “smart drug”, as they are commonly referred to claims to have been designed with the hardworking adults in mind to provide them with the brain power and mental stamina to tackle daily tasks whether in school or at work. It also claims to be vegan-friendly by using ingredients that are vegan, paleo friendly, and soy free.

CILTEP comes in a pack of 60 capsules that are, according to Natural Stacks, vegetarian capsules that will boost your mental performance. The 60 capsules are meant to be taken two per day, for 30 days. Natural Stacks claim that CILTREP is formulated for optimal brain performance from an all-natural ingredients formulation.

CILTEP is quality assured with a 100% satisfaction guarantee that advises anyone who isn’t completely satisfied with the product to return it and get a full money back refund. The manufacturer also claims that it has zero ‘fillers’ and unnecessary ingredients.

Natural Stacks CILTEP Product Details

CILTEP is produced Natural Stacks, a company that specializes in the formulation of supplements and whose mission is to help people experience the highest level of performance by providing natural solutions that work.

CILTEP’s list of ingredients is not too long as to pose any questions. It has five ingredients which work together to aid in improving mental performance. The two main ingredients are Artichoke extract and Forskolin. The other ingredients include L-Phenylalanine, Acetyl-L-Carnitine (ALCAR)and vitamin B6.

Natural Stacks CILTEP Ingredients

  • Artichoke extract: Natural PDE4 inhibitor that improves cognition, wakefulness, and long-term memory
  • Forskolin: Increases cAMP levels in cells and induces long-term potentiation
  • L-Phenylalanine: An amino acid that reduces the effects of memory decline associated with age advancement and promotes general brain functionality
  • Acetyl-L-Carnitine (ALCAR):Counters brain weariness, aids in burning fat and elevates mitochondrial energy output
  • Vitamin B6:An essential water-soluble vitamin involved in neurotransmitters production

Now that we have looked at CILTEP’s ingredients, let us now take a look at the benefits and drawbacks of using it.

[easyazon_infoblock align=”right” identifier=”B00GXPS4Q8″ locale=”US” tag=”majsis200200-20″]

Benefits of Natural Stacks CILTEP…

  • Vegan-friendly ingredients
  • Helps induce long-term potentiation
  • Reduces brain fatigue and increases alertness
  • Increases the brain’s memory retention

One customer who purchased a pack of CILTREP for her husband claims that it ‘met expectation.’ She goes on further to say that it hit the nail on the head by providing clarity, motivation and mood improvements.

Another user who at first didn’t believe that nootropics work and had to rely on exercise and good diet goes on to say that since he started using it, it gets better every day. He further adds that it compounds over time and that every day he feels a little bit smarter, more clear-headed, and motivated than the day before.

Drawbacks of Natural Stacks CILTEP…

  • Rapid tolerance build up
  • Mild and short-lived brain enhancement effect
  • Effects taper off after the first serving

Despite the manufacturer’s claim of the product’s positive effects on mental stamina and the numerous positive reviews, some customers insist that the formulation did nothing for them. One irate customer even goes ahead to say that CILTEP is a realization pill because it made him realize that he had wasted his money.

Another customer claims that he built up a tolerance very quickly and that the pills stopped being effective in a week. This sentiment is backed up by yet another customer who says that the effects tapered off very quickly and from there, the pills become useless.

Conclusion

Though some customers claim that the formulation did not work for them, they are outnumbered 4:1 by the customers who claim that it worked for them. The good thing, however, is that there were no reports of any adverse side effects experienced after taking the formulation.

The only way to know if this product really works is to try it yourself since this is the only test that could determine what’s right for you. Different people react differently to the same formulation and what did not work for the next person might work for you. Besides, Natural Stacks offers a full money back guarantee if you are not 100% satisfied with this product.

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Sildenafil actavis – perfect way for men to deal with erectile dysfunction http://montasirahmed.com/sildenafil-actavis/ http://montasirahmed.com/sildenafil-actavis/#respond Sat, 28 Mar 2020 04:00:06 +0000 http://montasirahmed.com/?p=1351 Sildenafil Actavis is a medication that is widely used in dealing with symptoms associated with erectile dysfunction in men. The medicine belongs to a group of medications referred to as “Phosphodiesterase” inhibitors. It is normally recommended for advance or long-term erectile dysfunction problems only and not for temporary problems. Sildenafil Actavis was approved in December …

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Sildenafil Actavis is a medication that is widely used in dealing with symptoms associated with erectile dysfunction in men. The medicine belongs to a group of medications referred to as “Phosphodiesterase” inhibitors. It is normally recommended for advance or long-term erectile dysfunction problems only and not for temporary problems. Sildenafil Actavis was approved in December 2009 and there has been no fatal incidence or death linked to the medication.

The active substance in this medication is Sildenafil and it is available in three tablets sizes- 25mg, 50mg, and 100mg. It is regarded as a generic medicine that has been authorized in Europe, and North American countries. Sildenafil Actavis is 100% safe and has been approved by European Union health authorities as a generic medicine that is equivalent to medications such as Viagra, similarly, its benefits far outweigh possible risks.

How Sildenafil Actavis works?

In order to make this medication work effectively, the patient will require some sexual stimulation. The medication works basically by relaxing blood vessels in the male organ thus allowing blood to flow at an incredibly high speed when you are aroused sexually. The tablet is a film-coated one, that appears in blue color and they are elliptical in shape. The tablet is marked as “SL100” on one side. In most cases, the tablet is sold in 100mg containers.  Oral application is the basic option of administering this medication.

Sildenafil Actavis works in a simple way. The main ingredient which is Sildenafil is a phosphodiesterase type 5 inhibitor that blocks the phosphodiesterase enzyme which is the enzyme responsible for breaking down cyclic guanosine monophosphate (a substance produced in the male organ during sexual intercourse and its main function is to cause the spongy tissue in the male organ to relax). The blockage of this enzyme will allow blood to flow much better and faster thus producing and sustaining an erection. Blocking the breakdown of the enzyme will restore the normal functioning of the male organ, though, a sexual stimulation will still be necessary in order to achieve an erection.

Sildenafil Actavis is effective because it gives you a bigger and longer-lasting fuller erection, thus making the whole experience tighter and more pleasurable. Patients dealing with liver and kidney problems are usually advised to start with the 25mg dose.

Prior to the treatment of erectile dysfunction, patients are usually tested for their cardiovascular wellbeing, considering the fact that there is a level of cardiac risk associated with sexual activities. Sildenafil Actavis is known to possess some vasodilator properties that can cause a mild decrease in blood pressure, hence the physicians will consider checking a patient for some underlying factors that may be affected by a temporary decrease in blood pressure. Patients who have obstruction to their ventricular blood flow, for instance, may be moderately affected by low blood pressure.


How is Sildenafil Actavis administered?

The daily recommended dose for Sildenafil Actavis is 50mg and it is usually taken when needed especially an hour before any sexual activity is performed.  Subsequent prescription of the medicine will depend on the efficacy of the medication as well as how the patient can tolerate the treatment. The maximum dose that can be recommended to anyone on a single treatment is 100mg, while the maximum recommended dose is one tablet a day. If the medication is taken alongside food, its effect may be delayed unlike when it is taken on a fasted state.

Elderly patients who are older than 65 years of age will require dosage adjustments. The dosage that is recommended for younger adults are only meant for moderate to mild erectile dysfunction. Individuals suffering from renal impairment may be placed on the 30mg dose, in the beginning, this may be increased based on the efficacy of the medication as well as tolerability. Similarly, patients who suffer from Hepatic impairment may also be placed on 25mg a day dose and then increased to 50mg a day base on tolerability and efficacy.

Are there any contraindications with Sildenafil Actavis?

Sildenafil Actavis is known to counter-act with some substances, most especially any medication or food containing nitric oxide. It is known to have some hypotensive effects on nitrates, similarly, patients who are being treated for cardiovascular disorders are usually advised to stay away from Sildenafil Actavis. The use of Sildenafil Actavis in combination with some other medications is not recommended, though there are ongoing studies on the possible effect of such combination.


Are there any side effects with the use of Sildenafil Actavis?

When applied at its recommended doses, Sildenafil Actavis is completely safe to use. Excessive or prolonged use of this medication has been linked to a number of side effects. For instance, temporary drop in low blood pressure may be witnessed after usage, however normal blood pressure is restored after few minutes or hours after the sexual activity.

Combining Sildenafil Actavis with some other medications may also trigger some side effects. Individuals who suffer from underlying conditions such as cardiovascular disease, sickle cell anemia, and Leukemia may develop some complications when Sildenafil Actavis is mixed with other medications. The intake of Sildenafil Actavis with other similar medications (PDE5) inhibitors can cause minor impairment to vision, and in such a situation, the patient is normally advised to stop using Sildenafil Actavis immediately.  There are no links between the recommended doses of this medication and any side effect on breastfeeding and pregnant mothers.

When Sildenafil Actavis is abused, some of the nervous system disorders or side effects that may be recorded include; dizziness, and headache, while some uncommon and rare side effects may include; syncope, and hypoesthesia. Vertigo, palpitations, fatigue, and tinnitus are rare side effects recorded with overdose or prolonged usage of the medication.

Sildenafil Actavis can be taken with or without water just as it can be taken with or without food, if you do not need it urgently, it may be advisable to take the medication after eating, considering the fact that the medication takes effect slowly when it is taken after food.


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