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      "author": "steemitwatcher",
      "body": "<center > <div class=\"phishy\">     Plagiarism Detected  </div></center > <br>\n\n___\n\n<div class=\"text-justify\">\n\nDear  @souna12, \n\nI'm @steemitwatcher , a detective from @abuse-watcher team. We found that your article is not original content.  Plagiarized content are highly discouraged on Steemit platform. \n\nIt's always good to give credit to the original creator.\nUser name | @souna12\n-|-|\nAbuse Type| Plagiarism\nOriginal Source|[Source](https://www.slideshare.net/VaibhavHande4/muscle-building-101-251321197)\nWarning Number | 01\nDownvoted            | No\n\n\nContact us on our discord server in \"appeal\" channel : [discord](https://discord.gg/NUbnH8rb)\n\nThank you.\n\n</div>",
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      "body": "![1.jpg](https://cdn.steemitimages.com/DQmSXHxKd5NLFaJTBwrohdzB8wj4FzLPqoTGQqh3nBxDfGy/1.jpg)\n\n\n\nWhat Is Muscle Building?\nA lot of people aim to be healthy, but apart from just being healthy, many are also aspiring for perfect \nphysique. For some, having a great physique means having a buff body. They would like start building \nmuscles in order to look great especially when they are at the beach.\nThere are various ways one can build their muscles. Some may want achieve their dream body the \nnatural way with the help of intense exercises. For these people, they would need to start looking for \nequipments that will allow them to work out right at home. While it is also possible to head on down to \na gym, exercising at home will be more affordable and easy on the wallet.\nOf course, there are also some would choose to go to a gym in order to get a more intense workout \nbecause of the equipment they have. The good thing about these gyms is they have instructors who will \nbe helpful in your pursuit of the perfect body. This is very important if they want to get the best \nprogram that they want to have with guidance from experts. However, first timers who wish to try this \nprogram should be ready to pay on a monthly basis or per session charge for access to the gym.\nApart from the natural ways like exercises, a lot of people are also taking supplements that will help \nthem to bulk up. These supplements may come in various forms such as capsules and shakes. Basically, \nthese products contain a great amount of nutrients people need in promoting better muscle \ndevelopment. An example of this is protein, which is an essential nutrient in developing muscle. But of \n~ 4 ~\nMuscle Building 101\ncourse, exercise would still be important to form and sculpt muscles while helping it increase its \nstrength.\nOverall, muscle building is when people would like to develop more muscles and sculpt them to look fit. \nBut aside from the main concept, it’s also important for everyone to know the approaches taken to \nachieve this body. Aside from exercising, additional supplements may be needed to help develop \nmuscles faster. If you're planning to improve your look with well-formed muscles, start looking for the \nbest program today and work towards a better body\n\nprogram today and work towards a better body.\n~ 5 ~\nMuscle Building 101\nHow To Maintain Your Fitness Level Through Muscle Building\nBeing fit and healthy is one of the goals of many people today. A lot of exercise programs have been \ndeveloped to help people in order to meet this need. These programs include muscle building exercises \nthat will be helpful for people who are trying to attain their desired physique.\nIf you are among these people who are looking for the best solution to achieve a bulkier body, you may \nwant to start off by looking for the right exercises that you can use in order to help you have this body \ntype. The good news is the exercises will not only make you build muscles but also allow you to be fitter.\nFurthermore, you will be able to increase your stamina which will allow you do more exercises without\nfeeling tired. What you just need to do is to go start looking for the right exercise and you'll surely \nincrease your level of fitness.\nWhile exercise can make you fitter, maintaining your level of fitness can only be done with continuous \nexercise. Once you have stopped exercising, you will feel your body slowly getting out of shape.\nOf course, when you have already reached your desired level of fitness through exercises, you will find \nthat there is no need to exert yourself so much by doing excessive exercises so as to maintain your body \nat the current state. However, it is important that you match your exercises to how you would like your \nbody to look. For instance, if you would like to increase your level of strength and bulk up your body, \nyou must continue to do several weight lifting exercises so as to maintain your body at your desired \nstate. These weight lifting exercises will, in turn, depend on the muscle that you want to develop.",
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      "body": "![Flat.png](https://cdn.steemitimages.com/DQmQt5xcgbFMdKU8PHXWzNAjQkyRn6hGKgSk1qqjFQVh9wU/Flat.png)\n\n\n\n\nThe very first thing you need to do if you want to make money as an affiliate \nmarketer - whether you’re going to make money selling other people’s products or \nyour own (best to do both) - is that you need to figure out who you want to work \nwith and what niche you want to be part of. \n• Who Do You Want to Work With?\nOne way to figure out the type of people you’d like to work with or help is to look \ninside yourself to find your interests and passions. If you really enjoy being around \ncertain people and you know about their hopes, desires, and needs due to being \npart of that audience yourself, that’s one way to do it as you will already have \ninsight.\nHowever, don’t let this give you an excuse not to do your research. Your \nexperiences, even as part of your niche audience, are subjective and real results \nmay be very different than you imagine. Try describing your ideal customer in one \nor two sentences to help you move forward.\n• Who Serves That Audience Now?\nOnce you have identified a potential niche audience, it always helps to look at the \ncompetition. After all, if this niche has no competition, is it really a profitable niche? \nSome people will say that you should go for the low competition niches, but it's \nbetter to go for the niche that offers enough potential customers for you to reach \nyour income goals if your conversion rate matches industry standards.\nFor example, if there are 1000 potential customers, and according to your research \nthere is a 4 to 7 percent conversion rate, and you know that you can get your \nmaterials and information in front of those 1000 customers, you may get at most \n70 customers from a campaign. Is your price point high enough for those 70 \ncustomers to make you profitable? \n• What Skills and Solutions Can You Offer This Niche? \nDo you have specialized education, experience, or knowledge that makes you \nparticularly suited for this niche? You don’t have to be part of the audience to do \nwell in a niche. \nFor example, if you have identified a niche that needs someone to advise them on \nproducts to use for their love of camping which are different from what’s out there, \nyou can still learn about it and serve the audience even if you have no camping \nexperience or appreciation of camping. Maybe instead of direct experience, you \nhave resources that enable you to pay people with subject matter expertise to \ncreate your business. \n• What Makes You Different?\nAlways look at yourself too. What makes you different from your competition? \nWhat skills can you offer to this niche that others can’t? How can you stand out \nfrom the crowd? Are you going to approach the niche in a different way than the \nothers? For example, if you’re a business coach, are you buttoned up or a free \nspirit? Whatever you are, you’re going to attract an entirely different segment of \nyour audience base than someone who is different from you.\n• Check an Affiliate Network for Products That Serve That \nAudience\nThe other thing you want to do is ensure that any niche you choose is profitable. \nAsking yourself if it’s profitable is an important question. Just because you have \ninternet and passion doesn’t make it a profitable niche. What makes it profitable is \nthat the target audience exists in enough quantity and has enough money to buy \nthe solutions you create and offer.\nOnce you narrow down some options, the primary considerations are whether your \nniche idea is profitable or not, and whether you have the skills to proceed or not -\neither skills you learn or skills you buy from others. Choose a niche that you like \nthat can provide enough profit and that you know how to serve.\n\nOnce you create your own products for sale, it’s time to set up an affiliate program \nof your own so that you can maximize your reach. Having your own affiliate \nprogram is like having an army of salespeople on your site building your business \nevery single day. But finding the right affiliates takes a little thought and \nconsideration. \n• Quality not Quantity\nHaving 1000 affiliates will not help you if they are not good salespeople. If the \npeople who want to promote your product use unscrupulous means to make sales, \nthat can also affect you very badly. By focusing on recruiting quality affiliates over \na lot of affiliates, you can avoid most of the problems that can come with affiliates \n- namely fraud and spam. \n• Their Website\nCheck out any applicants’ websites. Do they have an active blog? Does the content \nfit your audience? Is the website secure? Are they following all the pertinent laws \nfor their country and yours regarding spam, privacy, and other issues? Do they \nappear honest and confident based on the information you find on the website? \n• Their Domain Name \nOne way to find out about the person behind the website is to do a \"Who Is\" search. \nSome of the websites are going to have the information hidden. If that happens, do \na little more digging on to ensure that the people behind the site are honest people \nthat you’d want to deal with in person. \n• Their Content and Information\nWhen you go to the site and read the content and information, does it speak to \nyour audience such that they will choose to buy from them? What sort of keywords \ndo they use? Is the content and information direct and above board? Would you \nfeel safe sending your mother to that site to get information? \n• Financial Validation \nThe other thing you will want to do when you get an affiliate is to ensure that they \nfill out all the right legal forms required. Even if you are not going to send out 1099s \nbecause you pay via third party like PayPal, getting that information is still \nimportant because it establishes their legality and validates them in a way that \nhelps you keep your customers safe. Additionally, have they proven themselves to \nbe effective affiliate marketers? \nWhen you are first starting out as a product seller, you may not be able to be too \npicky about who becomes affiliates, but at the very least ensure that they are who \nthey say they are, that they are not criminals, and that they serve their customers \nhonestly and transparently. Just realize that if you choose people who are new to \naffiliate marketing, you need to offer training and encouragement to them so that \nthey make more sales.",
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      "author": "souna12",
      "body": "![ai-generated-7772547__340.webp](https://cdn.steemitimages.com/DQmXub39MzAJEX5SWYgEmfSQwfgqYhC272Mwo3vagmR3qVP/ai-generated-7772547__340.webp)\n\n\nchatGpt\n\n\nThe world is changing day by day with so many things changing, changing clothes in buildings.... But we are interested in this article to see the latest technology releases, the invention that reached 1 million users in 5 days then:\nWhat is chatGpt\nHow to work a chatGpt robot\nUses of chatGpt robot\nFirst impression\nImpact of using the program\nWhat is chatGpt\n\nopenAI has launched AI profiles under the leadership of researcher Sam Altman with support from Microsoft as well as Linkedin co-founder Reed Hoffman and other large companies.\n\nWith the beginning of December 2022 a new invention chatGpt, this invention is an AI-based chatbot any conversation agent, where the company adopted the OpenAI GPT-3 language model. This invention managed to attract the attention of many people for its immense ability.\n\n\nAn artificial intelligence system capable of processing natural language and giving real-time feedback, many people worry about the potential change it can bring to society.\nHow a chatGpt robot works\n\nchatGpt.. It is a computer program that chats humans, based on artificial intelligence so that it answers many questions that is, it responds to you as a personal teacher, as well as using deep learning to create a text that has been written by man.\n\nA group of people experimented with this program, including a user named Tobias Zwingman, who uses the program to write his lectures that he gives to students, explaining that he asked chatgpt to explain the work of the machine learning technique known as dbscan and explained the robot step by step.\n\nHow was my first impression\n\nMany people from sharing this program on Vespuki groups and talking about this program its enormous ability to do many things, I was curious about this artificial intelligence and I turned it away for my own exploration.\n\nI went in and registered and did a long talk with this program, I asked him a lot of questions and he answered me as a real human being.\n\n\nWhen you log in you will find a clean interface in which examples of how to craft your questions, their possibilities and limitations are displayed.\n\nHow can you use chatgpt software\n\nIf you don't like the answer, you can click on the Try Again button.\n\n\nThere is also the possibility to provide feedback to openAl on the quality of the outputs that it creates by classifying each answer on one by giving it a top or bottom mouth.\n\nThe quality of the outputs of any answers is based on how well the anomalies are formulated, i.e. the question, for the answers are short compared to the responses of the AI book.\n\nEffects of using chatGpt\n\n\n![ai-generated-7718642__340.webp](https://cdn.steemitimages.com/DQmYspsA1rrtnHs2nMMjvW8s3as82iebEcsY6JKbuPaJAw7/ai-generated-7718642__340.webp)\n\nMany people are concerned about the potential impact that artificial intelligence chatgpt can have due to not being able to do human conversation and generate feedback.\n\nThe greatest reason for panic about this program is the possibility of losing a job, since this program is an artificial intelligence capable of doing many tasks, so that it can replace many human workers and perform their roles.\n\nOther reasons for people's anxiety are the likelihood of using this program poorly. It can be used to create fake news or spread misinformation. This can negatively affect society so that people cannot distinguish between true and fake news.\n\nThere are downsides and pros to everything, meaning that AI also has many positives as used to help with customer service, speed and accuracy in answering questions.\n\nIssuing controversy about the risks and potential benefits of this technology.\n\nTherefore, strict laws must be developed to use it, in addition to establishing regulations and supervising the use of this program, while allowing the use of technology for the benefit of the community",
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      "author": "souna12",
      "body": "![Sans titre (46).png](https://cdn.steemitimages.com/DQmTHqqVuorw1EZviLtmUgEtL11uPDtkyTnWdDVbAn1QBHe/Sans%20titre%20(46).png)\n\nObsessive-compulsive disorder causes and symptoms\n\n\nObsessive-compulsif disorder (trouble obsessionnel-compulsif) is a psychiatric disorder through which a patient is accompanied by a particular idea that constantly accompanies him so that she occupies part of his consciousness and feeling.\n\nIt is a chronic anxiety disorder that may disrupt a range of things. Obsessive patient is characterized by unwanted thoughts (obsessions), repetitive and senseless behaviors, but extremely difficult to control (coercions). People often feel helpless, psychological suffering and anxiety because of their condition.\n\n\nObsessive disease is usually concealed by the patient, i.e. he suffers from obsessive disease in secret, away from the eyes, because the infected people believe that no one will understand their behavior, nor what they feel.\n\nObsessive-compulsive disorder affects up to 3 per cent of the population, regardless of ethnicity or gender. It is sometimes confused with other anxiety disorders. In fact, it is a disease that needs treatment in order to alleviate suffering from it. Up to 30% of people diagnosed with Obsessive-compulsive disorder have a history of chronic nerve disorder such as Tourette's syndrome.\n\n\nWhat are the causes of obsessive-compulsive disorder?\n\n Obsessive-compulsive disorder is produced by many biological, genetic and environmental factors. There are many research that has shown that changes in the level and balance of chemicals in the brain are associated with anxiety and other similar disorders. This research also suggested that Obsessive-compulsive disorder could be genetic as found in family members.\n\nObsessive-compulsive disorder can develop as a result of certain bacterial infections (streptococcal infections) acquired in childhood, or after a head injury, brain or trauma.\n\nSymptoms and complications of obsessive-compulsive disorder.\n\n Obsessive-compulsive disorder has a slow development. It starts with some concerns that become usually gradual in the patient. People with Obsessive-compulsive disorder often care deeply about hygiene and fear of contamination. Their repeated behaviors, such as washing their hands, bathing daily and cleaning, start so that they do these things frequently, but they become difficult to control as these things become more frequent and accurate over time.\n\nThere are some common concerns for obsessive patients:\n\nFire fear: Electrical appliances are constantly checked to make sure they stop.\n\nFear of being attacked: Doors are checked several times before going out or going to bed.\n\nOverperformance: A tremendous amount of time is spent mastering the organization and content of tanks.\n\nCompelling need for consistency: follow the same course of action every day, or cross the street in exactly the same place every day\n\nCount the things he does: comb your hair according to a certain number of brush strokes, or touch the table several times before wandering around.\n\nand fear of losing control or anger.\n\nIntersectional sexual ideas\n\nSome habits or some things may have their place in everyday life, but problems begin when they interfere with quality of life. People with Obsessive-compulsive disorder are unable to skip a stage of their usual behaviour, otherwise compulsive thoughts will haunt them until the ritual is performed just as they believe. They are relieved, but the rest is short-lived, because the commitment to start again comes back very quickly.\n\nAvoidance behaviour is a common complication of Obsessive-compulsive disorder, where people try to prevent the appearance of obsessions and coercions. Fear of pollutants can avoid public spaces, while fear of unwanted ideas, such as self-destructive or harmful gestures, can avoid social interactions.\n\nHow is Obsessive-compulsive disorder diagnosed?\n\nIn general, the disorder is diagnosed when repeated thoughts or behaviors interfere with daily activities, take a long time and cause psychological distress. It is sometimes difficult to make a diagnosis, because a person with the disease hides his or her compulsive habits or gestures. A person with SWD may realize that something is wrong, but he doesn't dare to ask for help.\n\nIf the presence of obsessive-compulsive disorder is suspected, the doctor can begin a physical examination and then consider the medical history to try to reach a diagnosis.\n\nHow to treat or prevent obsessive-compulsive disorder?\n\n Obsessive-compulsive disorder can be treated with psychological or drug measures or with a combination of both.\n\nThe main psychological intervention is cognitive behavioral therapy, especially trying to stay away, or preventing responses - which may have a high success rate in excited individuals, with few setbacks. Treatment consists of deliberately exposing a person to his or her concerns to force him or her to confront the behaviors that provoke him or her. But the therapist prevents a person from performing their habits (preventing responses). For example, if habits include knocking on the door five times before opening it, the attending therapist prevents a person from knocking on the door.\n\nTreatment should be repeated continuously, over several weeks or even months, so that you can repel obsessive thoughts that drive behavior. With the loss of obsessive ideas to repeat, behaviors and habits should start to emerge. At this point, it is important to ensure that new behaviors do not replace those that have been removed. New behaviors must be fought with different activity..\n\nBehavioral therapy will only be effective if you are very excited and really want to manage your situation. It is useful to learn different ways of thinking about situations that make you anxious and learn different ways of interacting with them. Since this is a challenge for you and your family, it is essential that you get your own support to help you overcome any barriers.",
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      "body": "![Sans titre (45).png](https://cdn.steemitimages.com/DQmdav5o7H5sQYLjuNZT5PawRgPeQipweDasPeVjTA8SY42/Sans%20titre%20(45).png)\n\nDepression.... Or what's known as mental health it's an essential element of health that is the ability of the mind to function normally and respond to all the stimuli around us. We talk about mental disorders when there is a dysfunction that leads to their disorder as a result of some things like depression, so that a person is unable to adapt to difficult or painful situations and who has lost the ability to maintain their psychological balance.\nSo what do we mean by depression, its causes, as well as its symptoms, all this and its oddness, we will answer it in this article.\n\n\nWhat is depression?\nWhat are the types of depression?\nWhat are the causes of depression?\nWhat are the symptoms of depression?\nWhat are the symptoms of depression in women?\nWhat are the symptoms of depression in men?\nWhat are the methods of treating depressive disease?\nWhat is depression?\n\nDepression is classified as a highly prevalent psychiatric disorder, an acute disorder that adversely affects a person's mood so that this person becomes unable to go about his life normally, that he loses passion for things so that he is unable to enjoy anything around him.\n\nDepression is a state of constant grief affecting the individual, affecting his mental health and thus affecting his relationship with himself and others, in general depression affects all aspects of the person with it, including his anorexia, and inability to sleep......\n\nWhat are the types of depression?\n\nDepression is a mood disorder that affects a person and the way they live in general so that they lose passion for all things, so what kinds of depression are.\n\nSevere depression or major depression\nPersistent Depression\nDepression or Polar Trans Disorder\nDepression affecting women after childbirth\nDepression affecting women before menstruation\nWinter Depression\nReactive Depression\nAtypical Depression\n\nWhat are the causes of depression?\n\nThe causes and factors leading to depression vary by people and their conditions, there are many causes that lead to depression.\n\nAn inheritance or so-called family history: In case the family has a history of depression or any other disorder in this case, the risk of depression may increase.\n\nThere are some diseases that lead to depression, especially chronic diseases that affect a person's life and therefore depression, as well as Parkinson's disease and cancer.\n\nTaking drugs or drinking alcohol: addiction to drugs or alcohol in addition to the use of certain drugs may lead to some disorders such as depression\n\n\nBrain dysfunction: The brain is the main center of neurotransmitters that stimulate conditions of a person's mood, in case of dysfunction or an individual's brain problem, a person can become depressed\n\nEnvironmental Factors: There are many things or factors that lead a person to become depressed, due to the difficulty of life or the exposure of a person to a juicy problem or the loss of a person's scattering.....\n\nWhat are the symptoms of depression?\n\nThere are many symptoms that affect a person's mood as well as a psychiatric condition, among which are generally the following:\n\nDepressed person's feeling of nailed grief\nLoss of passion for things\nNot wanting to do anything\nUnwillingness to engage in daily activities\nThe injured person's guilt all the time\nLoss of self-esteem\nLoss of appetite (loss of appetite or excessive appetite)\nSleep disorder\nAnxiety and Constant Chord\nWeight loss or excessive weight gain\nFinding the infected person difficult to concentrate or make decisions\nDiagnosed with depression loses libido\nThoughts of suicide are highly frequent in the treatment of a person with depression\n\nSymptoms of depression in women?\nThe symptoms that we touched on above are common and infect everyone, there are some other symptoms that particularly affect women:\n\nContinuous irritation and anxiety\n\nConstant mood swings\n\nCrying massively\n\nWomen's guilt\n\nDesire for isolation\n\nThinking passively\n\nThe appearance of some physical symptoms, such as feeling pain in the joints and muscles, feeling headaches.\n\nWhat are the symptoms of depression in men?\n\nThe symptoms of depression in men are:\nMood swings anger and violence\nDesire for isolation\nGive up doing everyday things\nLoss of libido\nThe appearance of some physical symptoms such as headaches and pain problems in the gastrointestinal tract...\n\nAre there complications for depression?\n\nDepression from difficult diseases can lead a person to decimation, so that a person can lead to suicide, as well as many other emotional, health, behavioral... One of the risks of depression is:\nComing to Suicide\nDepression addiction to alcohol\nOr drugs\nAnxiety and stress\n\n\nProblems in the family\nTension and marital problems\nSocial isolation and a person's desire to remain alone\n\nTreatment of depression disease\n\nDepression can be treated depending on the case, there are some conditions that are difficult to treat due to the severity of the disease, so in these cases, it is recommended to visit a doctor to diagnose and treat the disease.\n\n\nWays to treat depression?\n\nThere are many reliable ways to treat depression, including:\n\nMedication Treatment: Hinam has many medications that alleviate depression disease, by using them correctly as well as psychotherapy.\n\n\nMedications used to treat depression disease are very effective until all of these are banal and have a negative effect on the patient.\n\nPsychotherapy: depressive disease can be treated through psychotherapy by consulting a doctor or having conversations with the attending physician about the patient's problems\n\nTreatment of depression through alternative treatments: There are many people of religion who prefer treatment through alternative therapies with the aim of alleviating or reducing depression, through\n\nUsage Omega-3 fatty acids\nTreatment by acupuncture\nPractice yoga and meditation\nAdopt massage in the treatment\nUsage Some Herbs\n\nAre there ways to prevent depression?\n\nTo this day there is no specific way to prevent depressive disease but there are some things that must be done by tiredness to reduce the risk of developing depressive stimulus.\nReducing Stress\n\nWhen the patient feels some of the symptoms mentioned above, he should consult a doctor with a view to early diagnosis of the disease and treatment\n\n\nHow do I know I have depression?\n\nYou can know that you are depressed if you feel sad cry breakdown, not giving you value to yourself, feel frustrated, lose to wanting to do anything like to do everyday activities, being very angry,...",
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      "author": "steem.history",
      "body": "Hello welcome to Steemit world! \n I'm @steem.history, who is steem witness. \n This is a recommended post for you.[Newcomers Guide](https://steemitdev.com/guide/@steemitblog/steemit-a-guide-for-newcomers) and [The Complete Steemit Etiquette Guide (Revision 2.0)](https://steemit.com/steem/@steem.history/the-complete-steemit-etiquette-guide-revision-20-homage-1598425779) and, recommended community [Newcomers Community](https://steemit.com/trending/hive-172186) \n I wish you luck to your steemit activities.<center> \n \n \n https://cdn.steemitimages.com/DQmXHwdcNs5VPcBft1iSosPdHLpBNBfjuG84g3ffWhMw5JQ/image.png \n <sub>(The bots avatar has been created using https://robohash.org/)</sub> \n @steem.history \n \n ### My witness activity \n - [My aspiration for STEEM witness](https://steemit.com/hive-185836/@steem.history/my-aspiration-for-steem-witness-1601280729) \n - Provides information on Steem.  \n [Reference](https://steemit.com/trending/hive-130095) \n - Supporting the Steem project. \n [SPUD4STEEM project](https://steemit.com/trending/spud4steem) \n - Supporting the community. \n [Newcomers Community](https://steemit.com/trending/hive-172186),[Steem Sri Lanka](https://steemit.com/trending/hive-133716) ,[WORLD OF XPILAR](https://steemit.com/trending/hive-185836), [GLOBAL STEEM](https://steemit.com/trending/hive-145160), [Scouts](https://steemit.com/trending/hive-181136), [Latino Community](https://steemit.com/trending/hive-188619) \n \n ### My featured posts \n - [The Complete Steemit Etiquette Guide (Revision 2.0) -Homage](https://steemit.com/steem/@steem.history/the-complete-steemit-etiquette-guide-revision-20-homage-1598425779) \n \n [![image.png](https://cdn.steemitimages.com/DQmd7of2TpLGqvckkrReWahnkxMWH6eMg5upXesfsujDCnW/image.png)](https://steemlogin.com/sign/account-witness-vote?witness=steem.history&amp;approve=1) \n <sub>please click it!</sub> \n \n ![image.png](https://cdn.steemitimages.com/DQmWDnFh7Kcgj2gdPc5RgG9Cezc4Bapq8sQQJvrkxR8rx5z/image.png) \n <sub>(Go to https://steemit.com/~witnesses and type fbslo at the bottom of the page)</sub> \n \n </center>",
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      "body": "How to save on insurance\nHow to save on insurance\nAs much as possible, if it can be done, you must seize every \nopportunity for you to save on insurance. Here are some tips you can \nfollow.\nYour home insurance:\n- If you think about it, you can actually save up to several \nhundred dollars if you buy insurance from a low-price but licensed \ninsurer. Compare prices of the insurance departments in your state \nand get the lowest price but most practical company.\n- Negotiate a lower selling price with a broker who works for you \nand not as the mediator to the seller. There may be a conflict of \ninterest if there are too many people involved. So negotiate with just \nthe broker. \nYour life insurance:\n- If you prefer just insurance protection, and not a savings and \ninvestment life policy, you can just buy term life insurance. \n- If you would like to purchase whole life insurance, then hold on \nto one up to 15 years. If you cancel these policies after only two years \nof having them in your name it will mean double the insurance costs. \n- Check the public library about life insurance in your state and \nget one that suits your personal savings. \nsave on credit cards.\nHere’s how:\n1. Choose the best credit card\nNot all credit cards are created equal. There is a particular credit \ncard that will suit your needs. Getting this type of card will provide you \nthe rewards, services, and interest rates that will suit your needs.\nFor instance, if you want convenient shopping but can't afford to \ngo the extra mile in shopping expenses, it is best to get a credit card \nthat can offer you with reasonable credit limits. In this way, you will \nnot be tempted to max out your card and accumulate debts you simply \ncan't afford to pay.\n2. Go for the lowest interest rate\nIf you think you can't pay your credit card bills on time but are \nwilling to pay your balances in another period, it is best to get a credit \ncard with lower interest rates.\nConsumers may not be aware of this, but one of the reasons \nwhy debts are getting higher is based on the interest rates. The actual \nbalances are made worse through interest rate charges.\n3. Choose the reward credit cards that suits your lifestyle\nDon't get a credit card just because it can provide you with \nseveral rewards. Not all rewards are worth your time and money.\nFor instance, a frequent flyer’s rewards credit card may not be \nfunctional if you aren't a frequent traveler. But if you are, getting a \nflyer’s reward credit card can give you discounts as well as points that \ncan be converted into tickets. This will be savings considering the \nprices of airline tickets nowadays.\n4. Keep a record of all your expenses\nWith credit cards, convenience is the name of the game. \nHowever, it doesn't necessarily mean that you neglect your \nresponsibilities. One of which is to keep a record of all your expenses.\nIn this way, you will be able to identify which purchases weren't \nnecessary at all. So the next time around, you will know what to avoid.\n5. Do not keep balances\nNever let your balances stay on your credit card bill statements \nfor long. This means that if you have accrued balances for the month, \ntry to pay them immediately. \nPaying your minimum balance only won't do you any good. In \nfact, this might trigger further debts. Besides, interest rates only apply \nwhenever you have balances. And interest rates are additional \nexpenses for you. If you pay your balances monthly, you won't be \ncharged with interest rates, so you get more savings.\n6. Be wary of cash advances\nIf it isn't an emergency, never take cash advances on your credit \ncard. Financial experts say that cash advances reap higher interest \nrates compared to the ones that you have on your credit card \npurchases, which are, by nature, soaring as well.\nCombination of these two will definitely bring you to debt \nproblems. Besides, cash advances don't take on certain periods, so \nthat means the charges will take place instantly. That would be very \nhard if you aren't prepared to pay off your balance immediately.\n7. Ask for a lower rate\nIf you have been an obedient customer and pay your bill on \ntime, it wouldn't hurt you to call your bank or your credit card issuer \nand ask for a lower rate. \nSurveys show that nearly 55% of those who participated in the \nsurvey were reported to have trimmed down their interest rates simply \nby requesting their bank or their credit card companies to act \naccordingly.\nWith lower interest rates, you can definitely save more especially \nif you are the type of credit card holder who doesn't get to pay the \nbalances on time.\nAll of these things are catered to help you cut back your \nexpenses and save more on your credit cards. These things have been \nproven effective. It is now up to you if you will heed this advice or not. \nJust remember, your actions will always tell you the kind of life \nyou want to live, so better make good choices and start saving now.\nHow to save on gasolin",
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      "title": "7 Top Ways To Save Money"
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      "from": "executive-board",
      "memo": "❗ Hello souna12, welcome to the STEEM ecosystem. The Executive Board is publishing insider infos at https://discord.gg/KyBbmhh on how you will be earning the most coins. It's easy, just follow the instructions. THE 1000X BOOSTER KEY is already waiting for you over there too. 😉 Warm regards, The Executive Board.",
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