Monthly Archives: October 2018

How to avoid loose skin as you lose weight

No one ever tells you the truth about losing weight. Your social media is probably flooded with before and after pictures of people that have shed pounds by following a healthier lifestyle. It sounds great, but, with every major change that your body undergoes, there can be some frustrating consequences. A common problem people are faced with after losing weight is the skins inability to bounce back. Loose skin from weight loss may feel like a major setback to your fitness goals, but that is not to say that it can’t be remedied. Whether you’ve already begun your weight loss journey or are about to commit to a fitness regimen, there are a couple of things you should know to avoid that saggy skin.

Why do we get loose skin?

Your skin is an organ that stretches out and expands according to the amount of fat that has been accumulated in a certain area. Once you’ve gained a considerable amount of weight, it will often not snap back into place, especially if it is lost at a relatively rapid rate. There are a myriad of factors that can affect the firmness and ability of your skin to tighten after weight loss. Some of these may include age, how much weight is lost, how quickly the weight is lost, hydration, sun exposure, or the fact that some people are genetically pre-disposed to have looser skin. Many of these factors affect your skins natural production of collagen, a protein that helps to restore dead skin and maintains its firmness. Once it is stretched out to a certain point, it begins to damage the collagen and affects its overall elasticity so it will not shrink back with you.

 

How can you prevent it?

As you lose weight, it is important to keep your skin in mind, and following certain methods, you can help it bounce back. Experts have recommended losing weight at a slower pace (to give your body more time to adjust to the change), building muscle, and making sure to stay hydrated. An effective method to prevent that sagginess can be found in creams and serums with ingredients to help heal and support the firmness of the skin. Putting together the best ingredients for you may make a drastic difference in its health and can minimize the effects of weight loss. Several have been tested for their effectiveness in restoring your skin naturally. Below is a list of some excellent ingredients to try out and the reasons why they’re creating a craze in the beauty world.

JOJOBA

It’s likely that you’ve seen jojoba listed on the ingredients of your favorite shampoo or creams. But what does it do? Jojoba is a wax that is extracted from the seed of the plant of the same name. It contains phytosterols, compounds that encourage collagen production and slows down the process of aging skin, making it a vital tool in your arsenal of ingredients to tighten and minimize loose skin. Jojoba is incredibly moisturizing and very quickly absorbed. Remember, age and environment affect the skins ability to produce collagen and can negatively impact its firmness. When you use products like jojoba that maintain hydration and helps collagen receive water, it can significantly influence how your skin bounces back.

AVOCADO OIL

Hydration is a crucial element in supporting collagen production, and avocado oil is perfect to minimize the effects of damaged skin. Avocado oil moisturizes the skin and is used to relieve eczema, prevent stretch marks and protect against the sun (one of the main factors of collagen degradation). It seals in moisture for long-lasting hydration and contains vitamin E, potassium and healthy fats like oleic acid that can be deeply absorbed by the skin to moisturize, hydrate and improve the function of cells.

HYALURONIC ACID

Hyaluronic acid may not sound like something you’d want to put on your skin, but in reality, it is a substance naturally found all over the body that functions to fill up space between tissues. It helps to regulate moisture and is located in the highest concentration in skin tissue. It is safe to use and may drastically maintain the health and appearance of your skin. It is often added to serums and creams because of its effectiveness in improving wrinkles and lines found around the face. The craze is not just hype; thousands have seen the positive benefits hyaluronic acid has had on their skin so adding it to your creams may be just what you need to firm up those areas you need help with.

ROSEHIP OIL

Rosehip oil is made from the seeds of the rosebush. It contains vitamins like A and C that firm up the skin and are commonly used to treat wrinkles and prevent premature aging. Rosehip also contains high levels of fatty acids, particularly Omega-3 and Omega-6. These are generally absorbed by the body through our diet. They are available in foods such as fish oil, walnuts, oysters and plant oils and are essential because fatty acids are the building blocks of the skins surface layers. Applying it directly to your skin can help improve its durability and the likelihood that the skin will strengthen and tighten in the long run.

There are hundreds of remedies to help with saggy or loose skin after weight loss. It just takes the right combination of diet, exercise and skin care ingredients to help your skin look its best while you work on transforming your body for the better. If you are interested in creating your own serum or skin cream, check out the company Organation that specializes in providing the best ingredients (including all of those mentioned above) to create your own custom product that will work for your unique needs. With all of these tools in your arsenal, it’s easy to jump onto that new diet with the confidence and knowledge necessary to fight saggy skin, so you’ll look your best no matter what.

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CFA Program exam – Level I

This is the first step in a three part series which enables you to get the most respected investments related qualification in the world. While there are many competing qualifications for every profession (e.g. national level professional bodies for accountants and doctors), there is only one for Financial analyst/Investment profession. UK, Canada, China and every other country’s investment profession is dominated by the same one certification i.e. CFA Program offered by CFA Institute, USA. You can learn more about the program by visiting website of FinQuiz – Approved Prep Provider by CFA Institute.

Fees for Level 1

A one time enrollment fee of $450. Exam fee is approximately $650 for each exam level. Total cost comes to $2400 ($450 + (3x$650)). This makes it far cheaper than any MBA program. On top of this, you can continue to work and earn while studying for CFA Program. Note: Above mentioned fees assume that you register on earliest registration deadlines as fees increase 30-50% as exam approaches. Many candidates mention the low cost and the freedom to continue to work as big factor in their decision to opt for CFA Program.

Registration

You register online on the website of CFA Institute. Level I exam is offered twice a year – June and December; and candidates are expected to register about eight months before the exam.

CFA Exam Registration document requirement:

Candidates register by providing details of their passport which should be valid on the exam day.

Exam test centers

CFA Institute conducts exam in test centers across many states and many countries in the world. You can change test center location after the registration by filling out a simple form and submitting it to CFA Institute.

Exam dates

Exam is conducted on first Saturday of June and December. There are few exception to this. Exam is conducted on first Sunday in Asia Pacific region for candidates of exam level 1. Religious alternate days are also available.

Topics

CFA Program curriculum for exam level 1 has ten topics. These include financial statement analysis, corporate finance, portfolio management, equity investments, fixed income investments, derivatives, alternative investments, quantitative methods, economics and ethics. Not all ten topics have equal weights. Some topics are tested with more questions than others. For example: Ethics. Candidates with prior backgrounds in business are able to immediately recognize familiar topics like NPV, IRR, GAAP and Dividend discount model etc.

Requirements

You need to have sixteen years of education to register for CFA Program. OR Four years of full-time work experience (in any field). OR Fourteen years of education plus two years of full-time work experience.

Study material

CFA Institute provides you with curriculum (around six books of 300 pages each for exam level 1). Candidates get access to practice questions and mock exam as well. Past exam papers for levels I and II are not released by the Institute. CFA Institute has approved few commercial third-party prep providers. The list includes names as Wiley, Kaplan, Bloomberg, Fitch Learning, PWC Academy.

Why CFA Program exam is so popular?

There are quite a few reasons for world wide popularity of the program.

Nature of work of financial analysts

Financial analysis work is more suitable for self study learning because it does not involve large teams. A single person with access to electronic research tools and software can do the work. Work is more like of a technician or craftsman and does not involve organization of large number of resources. There is little need for university style learning environment The work requires basic understanding of few subjects and detailed of others. Reading books without need for professor guided assignments and projects gives you all the knowledge needed.

Lack of national standards

Unlike accountants and doctors, financial analyst operate without any national level work standards. This allows presence of a single global certification. Also, global nature of banking allows and sometime requires frequent relocation of human resource. Having one global certification makes every ones life easier.

Dynamic nature of curriculum

CFA Institute updates curriculum every year based on feedback from professionals. This results in additions and deletion of chapters every year. Text book style learning material – which is revised once a decade or so cannot work in financial analysis profession.

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Safety Instructions for installing FLO G5 charging station

When using electrical appliances, basic precautions should always be followed.

This manual contains important instructions that must be followed when installing, operating and maintaining the Flo charging station. Please read this guide carefully before attempting to install the charging station.

  1. CAUTION

To reduce the risk of fire, connect only to a branch circuit provided with a maximum surge protection of 40A in accordance with the Canadian Electrical Code (CSA C22.1-12) and the National Electrical Code (ANSI / NFPA 70).

  1. This charging station has been designed for wall or post mounting.
  2. Ensure that the mounting surface for the wall or pole is strong enough to support the

weight of the charging station and that the anchors used are compatible with the surface.

  1. Verify that there is no piping, electrical installation or underground electrical installation

in the area where you will install the station, to avoid serious injuries.

  1. Connect the power supply of the charging station with caliber 6 AWG to 8 AWG copper conductors rated for usage at a temperature of at least 75°C.
  2. This product must be connected to a grounded, metal, permanent wiring system, or an equipment-grounding conductor must be run with the circuit conductors and

connected to the equipment grounding terminal and installed by a certified electrician.

  1. Communicate with a certified contractor, certified electrician or trained installer to ensure compliance with local building code, regulation, security standards and weather conditions.
  2. Any modification to any part of the charging station will void the warranty.
  3. Handle parts with care, since they can be sharp-edged. Always use safety glasses and gloves when unpacking and installing.
  4. Do not install on or over a combustible surface.
  5. The power supply cables of the charging station must be rated FT2 minimum.
  6. The input cable strain relief, conduits or armed-cable bushings and adapter:
  7. A) have to be certified for both Canada and USA;
  8. B) have to be waterproof (NEMA 4X);
  9. C) have to be suitable for the outside diameter of the chosen cable and suitable for mounting into a 28.17 mm (1,109 in) diameter opening (for connection through the bottom or back cable opening).

GENERAL SAFETY INSTRUCTIONS

This device should be supervised when used around children. Never insert your finger into the electric vehicle connection. Never use the charging station if the flexible power cord or EV cable is frayed, has broken insulation, or any other signs of damage. Never use the charging station if the enclosure or the EV connector is broken, cracked, open, or shows any other signs of damage. This charging station was designed to be used with electric vehicles equipped with a

SAE-J1772 connector.

This charging station is to be used to charge vehicles that do not require a ventilated environment during charging. Always disconnect the power supply of the charging station before servicing.

Before You Install

The station must be installed by a certified electrician. The station has built-in protection against overvoltage conditions and leakage current to ground.

Installing the Station

The power supply cable can be inserted from the rear (a)

or from under (b) the station:

– 3/4’’ knockout (a) and (b)

– Remove a single cap

– Strain relief not included

1 Disassemble the front casing by removing the 2 front screws and then separate the mounting plate by unscrewing the lower screw. Your charging station must be installed by a licensed electrician.

2 Use the mounting plate as a drilling template after determining the input to be used, either at the rear or under the station

3 Hang the mounting plate securely to a stable surface using a minimum of 3 anchor screws.

4 Insert the conductors and secure the strain relief to the rear housing so that the conductors are long enough to reach the terminals.

5 Secure the rear housing of the station to the mount

6 Screw the lower screw to secure the mounting.

7 Connect the two power wires (L1 and L2) and the ground wire (GND).

8 Install the front housing of the charging station:

A) Hang the top by presenting the front housing at an angle of about 30 degrees, then pivot vertically without forcing.

B) Tighten the 2 front screws with a nominal torque of 55 lbs-in.

9 Switch on the electrical circuit breaker.

Your new station can now charge your vehicle!

Setting the Current Limit

By default, the FLO Home G5 is set to maximum power (factory). If your home’s electrical infrastructure does not allow the charging station at maximum power (or pre-venting any potential current overload), it can be reduced using the Current Limiter Switch.

  • Switch “OFF“ the charging station: A In the Breaker Panel set the circuit breaker switching the charging station to “OFF”.B Confirm the charging station’s Light Indicator is “OFF”.
  • Before handling the charging station, use a multimeter to determine if an electrical cable is hot. Keep in mind; it is possible for more than one wire to be live.
  • Locate Current Limiters switch.
  • Using a flat-bladed screwdriver, gently rotate the Switch to the desired position. (See table below).
  • Put back the front housing.
  • Switch “ON“ the charging station.
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Top moving companies listing from the Greater Montreal area in 2018

Choosing a trusted mover is essential to avoid your moving experience starting to be a nightmare. There are a huge selection of moving companies inside the Greater Montreal area then one can find a huge number of stories about wronged clients. We have compiled this list to help you come up with a well-informed choice.

Check out your Top 10 list

On the countless reviews we’ve got analyzed, the commonest complaints are undoubtedly uncompensated damage, the movers’ inefficiency, accompanied by inappropriate attitude from the employees, hidden costs and delays. Beware of a lovely hourly rate, which could from the long run be costly by way of overbilling and repairs.

How to stop being scammed?

Word-of-mouth is often a good start but most of the service quality will be different throughout the company. Many websites suggest calling a couple of companies and verifying their reliability by asking a summary of questions. The catch might be that unscrupulous movers could give you the answers you would like to hear.

On other websites, some companies are cited but and not mention the selection process involved. This is often disguised advertising. Some websites can have you complete a form to have quotes from a lot of companies but whose partners are chosen in a arbitrary fashion.

The best 10 movers inside Greater Montreal area

As far when we are concerned, there’s only one clear way to come up with a decision: base your choice on client feedback provided on the Internet. The higher the average rating of any company, the greater you could be confident that it can treat its clients well.

A company may, needless to say, cheat by asking relatives to depart false accounts, but an unscrupulous company will not be able to prevent getting bad reviews and look after a high ranking as well.

The most trusted movers

So this is the list with the 10 top movers on the Greater Montreal area. Many of them are true gems that won’t appear in rapid search engine results, because they might be listed under their pretty much commendable competitors.

In order to qualify, they have to average a minimum of 4.5 stars based on a minimum of 50 ratings on Google and Facebook.

Happy shopping!

Company* Google Reviews Google Rating Facebook Reviews Facebook Rating Total Reviews Weighted Average
Déménagement 7 Étoiles 5 5 11 5.0 16 5
Déménagement Pause Café 75 4.6 46 4.9 131 4.8
Déménagement Constantineau 49 4.9 47 4.9 96 4.9
Déménagement Myette 247 4.9 122 4.9 369 4.9
Déménagement Tandem 229 4.9 9 5.0 238 4.9
Déménagements Sympathiques 102 4.9 73 5.0 175 4.9
Groupe Chartrand 157 5.0 27 5.0 184 5.0
Le plan pas con 135 5.0 18 5.0 153 5.0
Les Gentlemen déménageurs 46 4.9 240 5.0 286 5.0

* Since the ten best companies all have a very minimum average of four years old.8 stars, we consider all of them efficient at offering nearly as good a service since the other ones. Thus the transaction in which they may be listed is arbitrary: the methods listed at the very top with a url to their website contribute financially on the advertising campaign giving visibility for this ranking list.

The top movers elsewhere in Quebec

Most on the movers beyond your Greater Montreal area don’t qualify for the 4.5 stars average based on at the very least 50 reviews, with all the notable exception of two companies: Dmax Express inside Laurentians with 4.7 stars dependant on 232 reviews and Déménagement à Prix Modique in Quebec City with 4.7 stars over 62 reviews.

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The Ultimate Vacation – Sansibar Urlaub

We all have different interests and goals when planning to go for vacation. While there are ultimate places to go, which is probably in everyone’s list, the idea of a vacation is simple. It is spending time away from your normal schedule usually with your best company. Be it family or friends; some people choose to be alone. The goal here is to refresh.

There is no standard!

A vacation doesn’t have to be about a place. It can be about the company. Some people choose to stay with grandparents for weeks. Others opt to spend time with less fortunate people in society; helping the sick or orphans. To this group of people, extending a hand to put a smile in someone’s face is fulfilling. Sharing the joy and happiness in society means a lot to these people hence the decision to spend a vacation in such manner.

Also, a vacation can be about going out with your best company or catching up with old friends. It can be a good time to meet with the neighbors that moved overseas or high school mates and share old jokes. In this case, it is not about the place but the people around you that make the vacation worth it.

To some, summer vacation, which is the most popular time for people to travel is about clearing a bucket list. The awesome places in the world, to such it is an accomplishment hence fulfilling.

Where should I go?

There are good places all over the world, good in this case is dependent with your interests in life. If you like nature, beaches or a safari in Africa will be a great choice. If you are an adventurer and wish to explore a foreign land, your choices are unlimited. It is simply where you have never been. Every place on earth has unique features that make it special. It might not be a popular place on the internet with reviews because no one took the initiative to explore the beauty, be the first!

Risk

I know you don’t want to spend on a vacation and be disappointed and that is why you will research extensively on the internet for reviews. You are free to search for Sansibar Urlaub and expand your options. However, adventure has an aspect of risk. Also, there is fulfillment in meeting what you did not expect. Actually, this is the definition of an adventure or exploring; it is about finding out.

Taking a break and going for vacation is crucial in the 21st century because it is characterized by busy schedules, you might never have time to live life because you are busy paying bills. Career advancement and investments in life are important but can’t replace the basics of quality life. As you work through the professional ladder and increasing your income, spare time for yourself and go for a vacation.

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