2020 will go down in history for a whole lot of reasons, and most are ones we will be keen to forget. However, an interesting side-effect to the headline events of 2020 is that this is the year we spent more of our time and money in cyberspace than ever before. Now despite the fact that more of us are doing it than ever, keying in our personal banking details always leads to a certain degree of anxiety. Just who has access to this information, and what will they do with it?
Using a digital wallet is an elegant and secure alternative. It essentially provides an extra buffer to protect your hard-earned money, as there is no need to share your main bank account details with third party vendors. Digital wallets are also designed specifically for the digital world. What this means is that transactions are fast, as well as secure. For example, suppose you buy a jacket online, but it doesn’t fit, and you need to return it for a refund. Pay using a digital wallet like PayPal, and your money will typically land back in the digital account almost instantly when the refund is processed. Pay using your debit card, and the processing time can be several days.
If you are thinking of opening up a digital wallet, there are plenty to choose from. Which one is right for you depends on the type of purchases you make and the device you use to surf the net. Here, we will guide you through some of the most popular online wallets.
PayPal has the distinction of being the first digital wallet to really hit the mainstream, bringing the concept of digital transactions to the masses before the turn on the millennium. This is thanks to the shrewd partnerships it entered into with websites like eBay. These days, the majority of retailers accept PayPal. These include the majority of fashion brands as well as many health and beauty retailers and tech sites.
PayPal is also a popular payment platform in the freelancer community, especially in the growing gig economy. It’s a fast and straightforward way to make payments in multiple currencies and across international borders.
PayPal has reacted to challenges from new and innovative competitors by always keeping its product offering fresh. For example, its mobile app allows people to use PayPal in the physical world and to pay with a touch of their smartphone.
So is the original the best? Despite its mass popularity, there are a few downsides you need to know about. If you are not verified, there is a cap on the size and number of transactions you can make. Getting verified can be done over the phone, but does involve a fair amount of form filling. Still, you only have to do it once. PayPal also has a habit of freezing accounts without prior warning and with little explanation. Getting the account unfrozen usually involves providing documentary evidence to explain whatever transactions have been flagged as suspicious. Again, it is not usually complicated, but it can take up to 48 hours to resolve.
PayPal fees are also something of an enigma. While most retail purchases do not incur a fee, you can be charged for business transactions. There is also a fee of just over four percent for currency conversions.
This e-wallet is massively popular in the igaming arena, and remains the payment method of choice among casino players. There’s more guidance on that specific area here on this site, along with some other useful tips. However, it is important to understand that Neteller is not just for financing gambling.
The wallet is accepted by thousands of online sellers across multiple sectors. It’s a good choice if you make a lot of online purchases, as you will be rewarded points for each transaction. These soon mount up and can be exchanged for gift cards or even cashback rewards.
Neteller has gained a reputation as the most secure payment wallet around. Doubtless, that is part of the reason it is so popular with the high roller casino gamers. The platform holds all funds in secure trust accounts and is constantly updating its security protocols to be right at the cutting edge.
Instant transactions, great rewards and top notch security make Neteller sound like an obvious choice, so what’s the catch? That can be answered in one word: fees. All those good things come at a cost, and you will typically be charged a 2.5 percent deposit fee. Some transactions also incur withdrawal fees, depending on where you are sending the funds. There is also a four percent fee for currency conversions.
The only other area of concern with Neteller is the customer support, or more accurately, the lack of it. While you can, with a little determination and patience, speak to a human at PayPal 24/7, Neteller’s support lines are only manned during office hours, and you will be strongly urged to send an email and wait a day or two for a response.
If you make plenty of international, commercial or B2B payments, Payoneer is well worth your consideration. You can open up an account absolutely free and every account holder is issued with a free virtual wallet.
It is touted as the world’s leading online payment platform and offers accounts in all the major currencies, including USD, CAD, GBP, EUR and various others. Payoneer outscores the other providers we have discussed so far when it comes to international payments because of its super low fees for transactions and currency conversion. 0.5 percent is dramatically lower than the amount you will pay to PayPal or Neteller.
These factor make it the tool of choice for small business entrepreneurs, freelancers, affiliate marketers and the like. It is also used by the international giants with which many of these people operate. Companies like Airbnb, Upwork and Fiverr all pay their members using the Payoneer platform.
On top of all that, Payoneer offers users a prepaid Mastercard. Here, however, you need to proceed with caution, as it comes with an annual fee, and you will also be charged every time you load it up. There are also some spending limits, although these are only likely to become an issue if you are a business user making multiple transactions in the thousands of dollars. These shortcomings aside, Payoneer is unrivalled for international transactions, and can ultimately save you a small fortune in currency fees compared to its rivals.
Apple, Google and Samsung Pay
We will mention these together, as they are so similar – the one you use simply depends on your smartphone preferences and whether you have an iOS or Android device. These are the e-wallets that first broke through to the physical world and made it possible to buy a coffee with a wave of your handset.
For sheer convenience, they are difficult to beat. An exceptionally neat feature is that there is no need to provide additional proof of identity when making a purchase, as all the necessary authentication takes place on the handset.
Despite initial skepticism and rumors, independent cybersecurity experts agree that they are highly secure. Authentication varies slightly between the apps. Apple Pay or Samsung Pay users can authenticate their purchases by either using a PIN or biometrics. Google Pay only requires the handset to be unlocked and you can shop away to your heart’s content.
This does, of course, mean that you need to have good security on your phone, as leaving it unattended and unlocked is tantamount to leaving a purse or wallet lying around bursting with cash. However, it is worth noting that if the worst happens and your phone is lost or stolen, all three services can be remotely disabled with immediate effect. This will also wipe all your financial information and transactions from the handset.
Some people are still a little unsure about the security of these apps, but let’s put it this way – they are certainly far safer than carrying a billfold of notes in your pocket. In the final analysis, if you typically make your online transactions using a mobile device, there is really no need to look any further.
Choosing your wallet
Business or personal, regular or occasional, retail or B2B, domestic or international, mobile or desktop? These are some of the important questions that you need to ask yourself in order to find the online wallet that is right for your purposes.
There are plenty more beside the ones we have discussed here, but these are among the most popular among very specific groups, and with good reason. Today, digital transactions are all around us, and they will become still more commonplace over the coming months and years. Set yourself up with the right online wallet now and you can make transactions in the virtual world in confidence and safety, future-proofing yourself and your finances against whatever the world might throw at us in 2021 and beyond.
Getting an education is a process that starts early in our lives and ends up with college. However, learning never stops, no matter if you have graduated or not. History is one of the topics that is taught early in school. Students need to know how the country they live in started to exist, but also how the culture was formed. Having information about your previous ancestors and your country is essential. But knowing things about the continent and the world is crucial too, as this helps you understand the present.
This can come with inspiration, but also understanding and tolerance towards what is happening today. However, depending on the grade, college, country, and students, there are distinct ways you can teach history. Here are some examples and samples of these ways that will help you understand that history has many facets. So, wondering how history is taught in schools or how should history be taught?
Primary Sources in World History Education
When it comes to teaching world history, there are a variety of approaches that can be taken. One popular method is the use of primary source documents, such as letters, diaries, and government documents. This type of material allows students to see history through the eyes of those who lived it. And it can provide valuable insights into the thoughts and feelings of people in different time periods. Additionally, primary sources can help students develop critical thinking skills. They must evaluate the reliability and bias of the sources they are using. Critical thinking skills are crucial in their college life, but in their future career too. So, learning history helps them develop these essential skills.
Another approach to teaching world history is through the use of essays. These can take many different forms, from traditional research papers to more creative, interpretive pieces. You can read world history essays as an effective way to explore a particular topic or theme in depth and to make connections between different time periods and events. They can also be a great way for students to develop their writing skills. But their ability to organize and present information in a clear and concise manner too. In addition, investing in the teaching of history through essays can also be beneficial for the students as it can help them to understand the context and significance of historical events, making them better equipped to analyze and interpret the past in the future. A few free essay samples can be found online which can serve as inspiration for students, but they also help them learn how an essay should look.
Innovative Ways to Teach History
Wondering why is history taught in schools? It is one of the subjects that help students understand how humanity ends up existing in its actual form. There are so many historical events that triggered many technological advancements and not only. And knowing all these can turn out to be really inspiring and motivating for many students. However, as history says, the world is changing at a rapid pace. So, there are innovative ways to teach history. With the help of technology and field trips to museums. The history taught in schools can turn out to be boring for some students.
At the same time, each student has their own learning style so they acquire new information differently. But one of the most effective ways is to teach history through experiences. Visiting museums and having field trips in places where historical events took place can turn out to be a pretty enlightening teaching experience. One of the nicest things is that museums nowadays have become more modern, so they use technology to teach students essential concepts.
Many history museums use artificial intelligence and virtual reality to immerse students in historical stories and help them learn more about them by actually experiencing them. And considering the fact that students nowadays are tech-savvy, they will simply love these experiences and will learn a lot more.
History is one of the subjects that does not miss school. Studying history is essential as it helps students understand how the world works, but also the crucial events that defined it as it is today. They can learn history in a wide variety of ways.
One is by studying letters, diaries, and other documents that are relevant to the event they now learn about. They can also write essays that encourage them to research and discover more. Or, by having field trips and visits to museums, which nowadays use technology to immerse them in historical events and concepts.
Online gambling has had major innovations and improvement that has brought about its growth and a wider audience. For instance, punters can access their favorite games on online casino New Jersey from the comfort of their homes, on the road, in a bar, etc. This unlimited access has practically increased the number of gamblers across states. Moreover, whether it is seen as an occasional source of entertainment, a hobby, or a potential source of income, we can’t deny that gambling has become part of us and has also grown into a massive industry.
Gambling is a major industry in the US and is expressed in various forms. From most casinos by state to a list of Michigan online casinos. In 2008, the US Gambling industry generated huge revenue, but 2022 showed that the industry was not going to stop. A total of $53.04 billion was made, excluding offshore gambling and tribal casinos. Fortunately, more states are beginning to legalize iGaming products and services. Here, we consider the US states that gamble the most and what states has the most casinos.
Nevada has been a gambling-friendly state since its inception. It also became the gambler’s capital, seeing more than 50 million punters traveling to experience its gambling activities. Everybody wants to have the Vegas experience. It should not be surprising that this US state tops every list. Las Vegas has more gambling establishments than other cities, making Nevada one of the states with the most casinos.
Gambling was legalized in 1931 to ease the economic burden of the Great Depression. The legislature supported the legalization of the act. The state has since grown to become the gambling and entertainment center of the world, generating up to 13, 450 million dollars annually.
The gambling industry in PA is relatively new. It was until 2004 that new rules and regulations were drafted to accommodate casino establishments. The first brick-and-mortar establishment was later opened in 2007. The state has casino resorts that host an endless collection of slot machines. The lottery sales and several casino settings put the Mid-Atlantic state among the most gambling friendly states.
According to the Pennsylvania Department of Drug and Alcohol Programs, the Penn State University, and the Pennsylvania Gaming Control Board, the state has embodied all forms of gambling, from sports to casinos, racetracks, and poker, creating a flexible ecosystem for players. Moreover, online casinos and sports betting apps provide unmatched convenience for punters in PA.
Although Nevada is known to be one of the states with the most casinos, Pennsylvania has about 17 online casinos and 13 sports betting operators. These are in addition to lottery games and fantasy sports. In 2021, the state generated about $1.1 billion from online casinos, while sports betting generated $340 million that same year.
New Jersey gaming laws are among the least restrictive, hence, their continuous growth and increased users. Although the state has had some restrictions and bans, it has found a way to maneuver these challenges. New Jersey’s Atlantic City has been known for being the original gambler’s paradise. It is still prolific today. About 12 retail casino establishments across the state generate a revenue of $2.8 billion yearly.
The state permits casino gambling, lottery, off-track betting, horse racing, charity gambling, social gambling, and amusement games. In 2013, New Jersey permitted in-state online gambling. This led to the dismantling of Nevada’s reign on regulated sports betting, redirecting punters their way. NJ history offers an attractive gambling prospect, and it’s no surprise they have more residents and visitors exploring its products and services.
Louisiana is an interesting state that has experienced much growth regarding real money gambling. Initially, the state has shown some strict practices that made it less friendly towards gambling. But several twists and turns have taken place. The Pelican State has aggressively expanded its gambling forms for residents and visitors. This has made it recognized as one of the states with many gamblers.
Punters can access casino games, lotteries, sports betting, poker, horse racing betting, charitable gaming, social gaming, bingo, and many other forms of gambling. In 2018, the state made a new law that saw the riverboat casino move inland. This also raises the number of casinos in the state.
Indiana is known to host the best casinos in the US. Its gambling forms include retail casinos, lotteries, bingo, riverboats, resorts, and racetracks casinos with slots, which have served residents and attracted many tourists to the state. In 2012, the Hoosier State generated gaming tax revenue of $807 million. However, the state has a strict online gambling and social games policy. Poker is also considered illegal, with a Class D felony as a charge. Despite these restrictions, it is still a state with many gamblers.
Gambling laws in South Dakota are convoluted. We can even describe them as overreaching. However, the state has a lot of punters due to its novel strategy or approach to gambling. There are over 25 brick-and-wall casino establishments and 11 tribal casinos scattered across the state. These numbers have allowed more punters to try their luck. Fortunately, Coyote state offers video lotteries for 25 cents per round. It is a far-off possibility to lose big. Hence, more punters are interested in trying their luck.
There are many more states with a huge number of gamblers. However, we have provided you with the states that top the list. These states have an incredible prospect as regards gambling. A few of them are yet to legalize online gambling but have a growing population of punters. Generally, legal types of gambling in most states include poker, retail casino gambling, lotteries, bingo, racetracks casino, riverboats, and many others.
Every day, people all around the United States hear the sound of gunfire. The constant threat of gun violence plagues communities all around the country. Many of these terrible encounters might have been avoided. Safety, after all, is one of the basic rights. But at the same time, gun rights are human rights too, and here comes a discussion. How are gun control and human rights connected, and why does violence lead to the crisis? Let’s try to find out.
Image source: https://unsplash.com/photos/MfM3p2yn4Ew
Americans are responsible for 42% of all civilian-owned firearms and have the highest rates of gun fatalities among developed countries. More than 200,000 firearms are smuggled into neighboring Mexico annually. The United Nations Office on Drugs and Crime reports that this fact is a primary cause of the local high gun-related murder rates.
So the USA influences even neighboring countries! However, numbers alone can’t be the key to clearly seeing this issue’s reasons and consequences. The accounts of victims and witnesses can help to shed light. To understand the problem deeper, one might read gun violence essay examples, where not numbers but concepts and human lives are in the spotlight. Such an approach helps to analyze the subject and improve your writing skills simultaneously. So you will kill two birds with one stone, getting helpful knowledge for your future college essays and other papers.
A gun can be both a defense and a threat, and it’s a big question what is a more crucial aspect in this context. But the facts remain the same. There is no research needed to say gun violence is causing devastation in far too many communities. Too many people in the United States are killed, injured, or displaced annually. This problem affects individuals of all ages, backgrounds, races, religions, and genders. It is harmful to city dwellers, suburbanites, and rural residents alike. Both the wealthy and the poor suffer from this occurrence.
So what are the main human rights issues in America connected to the gun topic? All human rights are interrelated, and it is sometimes difficult to separate one concept from another. Free access to arms jeopardizes the following rights:
In regions with a high rate of gun violence, people do not have the necessary access to health care. Due to the increased need, many do not receive the necessary surgeries, medication, psychological care, and recovery therapy. There is often a lack of funding to meet these needs. Also, there is a correlation between gun violence and the deterioration of education, a decrease in student performance, and a higher risk of teachers and students being injured.
In response to the situation in the country, many public and international organizations are demanding urgent action from the government. The main requirement is gun control affirmative with a number of prerequisites. Such organizations propose a wide range of control measures to be implemented in the United States. For example, mandatory background checks, licensing for gun purchases, age restrictions, a prohibition on some weapons, etc.
In addition, the government should establish federal legislation making it illegal to carry firearms in public unless a person has a valid reason to do so. It is proposed to fund programs for victims of firearms accidents first. Amnesty International has called on Congress to approve legislation to secure “continuous financing” for local violence prevention initiatives.
So society is trying to utilize international human rights legislation as a counterbalance to the right of Americans to keep and bear weapons. Bringing up human rights legislation may be a useful rhetorical trick for lawyers. However, it would likely have little impact in a trial. That’s why the US government avoids being held responsible for the crimes voiced by international human rights organizations.
Voicing the gun violence problem through the lens of human rights forces society to view it differently. People are beginning to realize that the freedom to carry arms violates many other rights and freedoms of citizens. The debate also raised questions about the legitimacy of the claims of international organizations. After all, they do not ask for anything supernatural but only for Americans’ safety, health, and tranquility.
The United States is the country where the world’s best universities are collected. Thousands of international students come every year to receive a top-quality higher education in it. American universities and colleges offer a prestigious standard of training and unlimited career prospects. This is why many people choose to study here, although it is quite expensive.
Higher education in the United States is a symbol of prestige and success. Many foreigners dream of becoming a student at Harvard University or the California Institute of Technology. This objective can become a reality if you prepare well for the admission process and explore the associated issues, as it is not an easy task. To begin with, you need to choose the appropriate university and decide on a major, and then prepare the required documents.
U.S. universities offer a variety of academic programs for foreigners, from art history to advanced technology. It is possible to achieve various degrees, such as a bachelor’s, master’s, or even Ph.D. Once a prospective student has chosen a suitable major, he or she should immediately proceed to the paperwork and get the following set:
When students are asked what stage of the application process was the most important one. They mostly say, “Writing essays about myself.” It should contain the motivation to study a particular program. Many universities consider it as important as academic performance in pre-entrance exams. To get a grade equivalent to an A+ myself essays for USA students, it is recommended to check examples and spend enough time writing the essay. Poor quality of the latter can compromise the outcome for prospective students.
This effort is a necessary step to provide the admissions committee with an insight into who the applicant is. The following rules will help improve the chances of getting a good rating:
The above rules can help the applicant write a really good essay, which will be well evaluated by the admission committee. It is recommended to start writing the essay as early as possible because it is a rather meticulous and important effort that affects the final result of the admission campaign.
Education in the United States offers many advantages. First of all, it is an opportunity to get a really high level of knowledge from the best teachers in the world. Some of the most outstanding scholars teach at U.S. colleges and universities. They possess excellent practical skills and have achieved great success in their own fields of study. There are also several other important points that can be mentioned about the benefits of getting an education in the U.S.
Many applicants from different countries choose to study in America. After all, if you get an education in this country, you can be sure of achieving your goals and ambitions in adulthood.
The United States has around 4,000 academic institutions, such as colleges and universities. The education program has several stages with different training terms. An associate’s and bachelor’s degrees require two and four years to complete, respectively. Universities also offer post-graduate studies and Ph.D.
Education is fee-based at both public and private colleges or universities. However, there is a system of grants and scholarships, so gifted students can study free of charge. Nevertheless, the student will have to pay for campus accommodation. The average cost of a place in a room for two people is about $100. Often, there is a shortage of places, so it is highly recommended to take care of the campus accommodation in advance.
The United States is the country where the world’s best universities are collected. Higher education in the U.S. is a symbol of prestige and success. Universities offer a variety of academic programs for foreigners, from art history to advanced technology. It is possible to achieve various degrees, such as a bachelor’s, master’s, or even Ph.D.
Litecoin has been making waves in the cryptocurrency market, with its recent surge reaching the $90 level. This has led to speculation that Litecoin could possibly rally to the moon and hit the $150 mark. Is this possible anytime soon? In this blog post, we will take a look at the current state of the Litecoin market and analyse the factors that could affect its future price movements. We will also examine whether a $150 rally is possible soon and discuss the implications of such a surge. If you are interested in Bitcoin trading, you may visit bitcoins-evolution.com an online trading platform which will make your trading journey hassle-free.
The recent rally of Litecoin (LTC) has surprised many crypto investors, as the price of the digital asset has surged from around $50 at the start of the year to an all-time high of $145. The cryptocurrency, which is currently the fifth-largest digital asset by market cap, has seen tremendous growth in 2020 and is now inching closer to its previous all-time high of $150.
So what has been driving this massive rally? Let’s take a look at some of the reasons behind the recent surge in Litecoin prices:
These are just some of the reasons why Litecoin has seen such a massive rally this year. With its prices currently just shy of its previous all-time high, there is speculation that the digital asset could reach $150 in the near future. Only time will tell if this prediction will come true or not.
As the crypto market continues to experience a roller coaster of highs and lows, investors and analysts alike have their eyes on Litecoin, a popular cryptocurrency that has been quietly gathering momentum in recent months. With the current price of LTC hovering around $140, many are wondering if a rally to the $150 mark is possible anytime soon.
To answer this question, it’s important to look at the fundamentals behind Litecoin. After all, if there’s strong support for the coin, then it’s likely that prices will continue to increase.
In terms of fundamentals, Litecoin is an incredibly attractive option for investors. It has the fourth-largest market cap in the crypto world and it’s widely supported by numerous exchanges. Furthermore, Litecoin has seen great adoption from merchants due to its low transaction costs and fast transaction times. In addition, its network effect is growing steadily, with more users joining the network every day.
However, before investors get too excited about the possibility of a $150 rally in Litecoin, they should also be aware of some potential risks. For example, Litecoin could be affected by regulatory decisions or major news developments in the industry. Additionally, Bitcoin’s price could also take a hit if Bitcoin starts to experience a sell-off.
All things considered, Litecoin does seem to be in a good position for a potential rally. Analysts are bullish on the coin and believe that it could reach the $150 mark sometime soon. However, it’s important to remember that cryptocurrency markets can be volatile and that investors should always conduct their own research before making any investment decisions.
The recent surge in Bitcoin’s price has been remarkable and has caused some to ask if a $150 rally is possible anytime soon. While there are many factors that could affect Bitcoin’s price, there is no guarantee that it will reach the $150 mark.
In order to get to the $150 mark, Litecoin would need to see strong support from users, investors, and traders. This could come in the form of an increase in the number of transactions and more widespread use of the coin. Additionally, there would need to be favorable news and updates surrounding the cryptocurrency, as well as a growing sense of confidence in its future prospects.
Ultimately, predicting the future price of any cryptocurrency is impossible. However, it is clear that Litecoin has a promising future ahead and it may very well reach the $150 mark. Until then, we can only watch, wait, and see what the future holds for this popular altcoin.