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Riska aprillia
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Tosin Olayinka
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Financial Freedom is one thing anybody can achieve, infact quite a lot of people wants to be financially free. The only problem is not every one is willing to go through the due process or let me say ...Read more

Financial Freedom is one thing anybody can achieve, infact quite a lot of people wants to be financially free. The only problem is not every one is willing to go through the due process or let me say not everyone is disciplined enough.

Financial Freedom is taking charge of your finance, that moment when you no longer worry about you’ll pay your bills or emergency expenses.

It’s having enough money to afford the lifestyle you want not worrying about your retirement because you’ve things put in place. What are the steps to follow to be financially free?

1: Set Financial goals: Setting goals will make you have a clear vision of your situation. Have a laid down, achievable goal that is time bound. Don’t forget to list out how to achieve these goals.

2: Have a budget: A budget is simply creating a plan on how your money will be spent. Having a budget will give you clarity on if your income can cater for your expenses. It also helps reduce wasteful spending.

3: Save: No matter how much you earn, save out of it. Don’t spend all you earn at once. If you’ll have to cut down your subscription then go ahead. At the end the money will in turn save you.

4: Have additional source of income: Having more than a source of income helps in achieving financial freedom as long as you’re intentional about your spending. You can get remote jobs that might not affect your 9 – 5.

5: Invest: Investment is simply preparing for the unexpected, securing your future. If you work 9-5 you can inform your company and you could work towards creating a retirement plan. The money get deducted from your income before it hits your account. You can also save by yourself and invest in mutual funds, real estate etc.

In conclusion, you can achieve financial freedom it’s all about living with your means, spending money on things that are important. It is not as easy as it looks but is anything easy? Bear in mind that this will demand you learning new habits which might not be so interesting at first but with time you will adjust.

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Tosin Olayinka
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What is sexual compatibility?It’s the extent to which a couple perceives they share sexual beliefs, preferences, desires, and needs with their partner. Sexual compatibility with a partner has been shown to be related to sexual satisfaction, such that the more ...Read more


What is sexual compatibility?
It’s the extent to which a couple perceives they share sexual beliefs, preferences, desires, and needs with their partner. Sexual compatibility with a partner has been shown to be related to sexual satisfaction, such that the more sexually compatible you are, the more sexually satisfied you are. 

Sexual compatibility includes your:

  • Definition of sex
  • Frequency and duration of desired sex
  • Preferred “environment” for sex
  • Turn ons and turn offs
  • Relationship orientation

The more similarities you have in your answers to those things, the more compatible you are.

One thing’s for sure: Sexual compatibility is important. It can be difficult to deal with a situation where one person feels that sex is essential in a relationship while the other person doesn’t want to have sex. Similarly, it can be difficult if one person has a high libido while the other person has a low libido. However, it’s not impossible to manage.

It is much more significant in the well being of a relationship than it is given credit for. Human beings need sex, sex is essential for our physical happiness. When couples are not able to fulfill each other’s sexual needs and desires, dissatisfaction in marriage is quite the obvious result. But our society has made sex into a taboo and couples find attributing sexual incompatibility as the reason for their divorce, embarrassing.

Many divorces and breakups happen because the sex was not good. Bad sex could be the result of something else that’s happening in the relationship. Therefore it is a symptom and not a condition. You can fix this situation by communicating with your partner. You two can share your interests and find a common desire.

To have everything else in a relationship and lack sexual satisfaction because your partner could never satisfy you no matter how hard they try, or if they would never even bother to do what it takes to gratify your sexual appetite is a disaster.

Better take it as seriously as you take every other aspect of the future of your relationship. A refusal to do this might end in the same bad ending you think you are avoiding.

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Adv
Tosin Olayinka
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Lending allows others to borrow things. In business and finance, loans usually occur in the context of obtaining loans. The lender provides a loan to the entity and then expects that the entity will repay its debt. For ...Read more

Lending allows others to borrow things. In business and finance, loans usually occur in the context of obtaining loans. The lender provides a loan to the entity and then expects that the entity will repay its debt. For many people, money is a complicated topic, and most financial experts will tell you to avoid lending friends and family. Even in the most stable relationships, the results can be harmful. Limiting loans to friends and family can help maintain relationships and minimize the possibility of problems.

If you lend a friend money and it isn’t convenient at that point, you will be overwhelmed with your finances and it probably not the best thing to do. It is also important to think about how possible it is for them to return the money.

It is important to borrow money only when you are sure it will not cause the relationship to deteriorate. Sometimes you can give them as a gift and then if they don’t repay, there are no hard feelings. Mind you, it is not mandatory to go throwing your hard-earned money around, but if you can help, this can be an option.

Don’t lend money at the expense of your own financial goals especially if the money isn’t needed for emergency situation. There should also be a repayment plan “When I have it” & “In few weeks” isn’t a plan. Let them be specific or else the chance of getting your money back is slim.

keep this in mind; “If you cannot afford to lose it, don’t lend it.” This will help you avoid headaches and stress. Don’t use money for your upcoming bills as a loan to anyone, you might be stuck when your bills are due if they don’t pay.

Learn to say NO. Emotions and money don’t go hand in hand. If you default on a loan from a loved one, it is important to keep communication channels open. Good communication is the best way to avoid hostility with family and friends who lend you money. Like it or not, the borrower feels like an investment. They need to know the progress of the project or business and whether the loan will be paid off.

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Jhero23
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I am writing this post as a result of the research I carried out recently from the able recognized body dealing with corrupt practices in over 180 countries. Corrupt practices in Nigeria started as far back ...Read more

I am writing this post as a result of the research I carried out recently from the able recognized body dealing with corrupt practices in over 180 countries. Corrupt practices in Nigeria started as far back as 1975. The 1975 Nigerian coup d’état was a bloodless military coup which took place in Nigeria on 29 July 1975 when a faction of junior Armed Forces officers overthrew General Yakubu Gowon (who himself took power in the 1966 counter-coup). Obasanjo succeeded him as head of state.

Data extracted from Transparency International on Nigeria’s Corruption Index

I have taken time to plot this chart here above to show you what the statistics of corrupt practices in Nigeria looks like with reference to the index. From the image above, you see Rank, Score and Countries. The Rank and countries are related. For example in 2020, Nigeria ranked 149/180. This means out of the 180 countries that were examined, Nigeria came 149th position which is an AWEFUL 82.7% corrupt. The score here is ranked /100 % ; so for 2020, Nigeria had 25/100. If I had a child who brings this result home, the child is grounded for sure.

Yet, you hear statements like this:

If a child fails in the class, won’t the class teacher ask him to repeat?

Unfortunately, this is the narrative in Nigeria right now, where the ruling class as not ashamed of repeating terms and doing even worse than the previous term.

Explanation of the Chart

If you look at this chart properly, sometimes it will feel like Nigeria improved in a certain year than the previous but when compared to the number of countries for that year, then the result is fairly the same or even worse. For example, between 2014 and 2015, you have the same rank score of 136 which will seem like nothing happened , but compare the figures below, you see an increase from 77.7% to 80%

136 / 175 = 77.7 % – 2014

136 / 168 = 80% – 2015

This also applies to the score as well in the corrupt practices in Nigeria. All the scores range between 24 to 28. It is safe to say that

24 < = score < = 28

In summary, the corrupt practices in Nigeria is not improving at all, rather it is getting worse especially under the Muhammed Buhari Administration since 2015 till date. From ASSU strikes to fuel pump price increase; a whole lot of other issues including insecurity; THE COUNTRY AND ITS ADMINISTRATION HAS FAILED

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cs69
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ratna01
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Selamat Datang Di Pusat Penjualan Obat Aborsi Cytotec Asli Terjamin Pasti Berhasil.​ Jual Obat Cytotec 200mcg & 400 mcg Misoprostol Asli Pfizer adalah salah satu Obat Pelancar Haid, Obat Telat Datang Bulan atau Obat Penggugur Kandungan Di Klinik Farmasi Paling Ampuh ...Read more

Selamat Datang Di Pusat Penjualan Obat Aborsi Cytotec Asli Terjamin Pasti Berhasil.

Jual Obat Cytotec 200mcg & 400 mcg Misoprostol Asli Pfizer adalah salah satu Obat Pelancar Haid, Obat Telat Datang Bulan atau Obat Penggugur Kandungan Di Klinik Farmasi Paling Ampuh yang tidak dijual secara Umum, Cara Menggugurkan Kandungan ( Gugurkan Kehamilan Kuat Usia Janin 1-8 Bulan Secara Alami dan Cepat Selesai Dalam Beberapa Jam Gugur Tuntas ) dari janin muda hingga tua usia 1 Bulan, 2 Bulan, 3 Bulan, 4 Bulan, 5 Bulan, 6 Bulan, 7 Bulan, 8 Bulan sangat mudah diatasi dengan Pil Misoprostol Cytotec 200mcg & 400 mcg Asli dijamin Berhasil Tuntas.

Kunjungi Website Resmi Dokter Ratna Spesialis Kandungan ???​
https://ratnaspog.github.io/instalasifarmasi

​Konsultasi Dan Pemesanan : 0852-2516-5189

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​Pengobatan yang tepat untuk mengakhiri kehamilan lemah atau kuat hanya dengan Pil Cytotec 200mcg & 400 mcg ® Kemasan Botol salah satu produk populer di indonesia sebagai Obat Penggugur Kandungan Yang Aman Untuk Ibu Menyusui dan sudah teruji secara klinis.

Obat Aborsi Cytotec® adalah nama cytotec misoprostol yang di produksi oleh flizer ( searle ) yang di setujui US FDA, Obat cytotec di gunakan untuk mengobati masalah yang berkaitan dengan NSAID ( Non Steroidal Anti Inflammatory Drugs ) atau obat anti inflamasi non steroid ( AINS ). Selain itu proses aborsi menyebabkan kontraksi otot rahim yang mengarah pada penggunaannya sebagai obat aborsi untuk menginduksi rahim.

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​Aborsi bisa jadi pilihan terbaik untuk ibu hamil yang bermasalah, ataupun kehamilan yang tidak diinginkan dengan mengkonsumsi obat Cytotec Misoprostol Pfizer dengan dosis Cytotec 200mcg atau Cytotec 400mcg bisa melunturkan kehamilan normal maupun kehamilan kuat.

Obat Cytotec® Misoprostol 200mcg / 400mcg adalah salah satu obat yang sudah terbukti ampuh untuk menggugurkan kandungan usia janin 1 bulan sampai 8 jalan 9 bulan dalam hitungan jam secara alami.

​Obat aborsi Cytotec Misoprostol yang sudah terbukti asli hanya bisa anda dapatkan secara mudah tidak perlu lagi menggunakan resep dokter karena anda disini sudah terhubung langsung dengan dengan dokter ratna spesialis kandungan yang melayani pemesanan dan konsultasi seputar kehamilan.

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​Bersama Dokter Ratna SpOG yang sudah terpercaya dan berkopeten di bidang kehamilan tidak di ragukan lagi ke ahliannya mengatasi seputar kehamilan secara medis.

​Obat Cytotec 400mcg Misoprostol® Asli kemasan botol adalah salah satu produk yang paling populer di indonesia sebagai Obat penggugur kandungan yang kuat dengan mengkonsumsi obat cytotec 400mcg dalam jangka waktu 2/3 jam sudah langsung berhasil gugur secara alami.

​Di sini kami menyediakan obat paket tuntas dalam kemasan perpaket terdapat empat macam obat, Untuk dosis dalam perpaket sesuai usia janin berjalan.

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Obat aborsi Cytotec Misoprostol yang sudah terbukti asli hanya bisa anda dapatkan secara mudah tidak perlu lagi menggunakan resep dokter karena anda disini sudah terhubung langsung dengan dengan dokter ratna spesialis kandungan yang melayani pemesanan dan konsultasi seputar kehamilan.

​Dilantasi dan ekstraksi adalah prosedur yang dilakukan dokter ratna menangani kehamilan anda yang bermasalah dan tidak ingin melanjutkan kehamilan anda, Ketika seseorang menunjukkan dan mengalami masalah pada kehamilannya, aborsi kadang menjadi salah satu cara menggugurkan kandungan yang harus dilakukan,
Hal itu dilakukan demi keselamatan pasien, tentunya dengan persetujuan ibu dan pasangannya Untuk mendapatkan pemahaman yang lebih baik, konsultasikanlah dengan dokter ratna yang sudah berpengalaman, Mengikuti arahannya dengan cermat juga dapat membantu anda menjalankan prosedur ini dengan risiko yang lebih rendah.

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​Cara paling efektif, aman dan terbaik bagi wanita untuk melakukan aborsi pada usia 1, 2, 3, 4, 5, 6, 7, 8 bulan atau metode aborsi sendiri hingga minggu ke 12 kehamilan adalah dengan meminum aborsi Cytotec Misoprostol pfizer.

​Tip dan metode aborsi obat ini telah memberikan tingkat keberhasilan lebih dari 100%. Jika Anda tinggal di kota atau daerah yang tidak memiliki akses ke pil aborsi Cytotec Misoprostol yang aman dan ingin meminum pil aborsi yang mengandung Cytotec, silakan kunjungi situs web kami.

​Situs web kami adalah klinik aborsi online dengan dokter yang dapat membantu Anda dengan aborsi medis, Proses 3/4 Jam Selesai, Seorang wanita juga dapat menggugurkan kandungan hingga minggu ke-12 kehamilan hanya dengan menggunakan Misoprostol.

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​HATI – HATI DENGAN PENJUAL YANG BERUSAHA MENJATUHKAN TOKO KAMI KARENA MEREKA TIDAK PUNYA PRODUK ASLI !!!

  • Jangan mudah tergiur dengan penawaran DP 50% Pelunasan setelah barang sampai tapi berujung sebelum di kirim anda sudah di minta melakukan pelunasan.
  • Memberikan identitas sebagai dokter kandungan melayani sebagai admin dokter.
  • Memberikan diskon besar-besaran sampai 50% dari harga awal.

​Jadilah pembeli yang cerdas dan pintar tidak ada dokter melayani pembelian obat aborsi asli memberikan identitas asli sebagai dokter, kalau ada pastinya anda bisa mendapatkan secara mudah di apotik atau rumah sakit terdekat, tidak perlu repot-repot mencari secara online, tidak ada dokter atau admin yang melani customer dengan bicara kasar atau tidak sopan, dimanapun tempat dokter asli pasti melayani dengan sopan dan ramah Anda pasti tau itu.
​Sekarang mungkin banyak penjual obat aborsi secara online tetapi anda harus ketahui sebelum memesan obat aborsi Cytotec Misoprostol Pfizer yang asli seperti apa,,

Tips Cara Menghindari Penjual Obat Aborsi Cytotec Palsu :

  • ​Hindari penawaran dengan harga yang murah / murahan hasil pasti ( GAGAL ).
  • Layanan Setiap Waktu, dengan Respon yang baik & cepat.
  • Mendapatkan No Resi Pengiriman supaya anda bisa cek melalui J&T/JNE/TIKI/POS terdekat untuk mengetahui / memastikan pesanan anda.
  • Jangan membeli obat di website yang tidak resmi, karena website resmi tidak memakai kalimat ( blogspot / weebly / webnode )
  • Penjual Yang Menerima COD Atau Rekber

​Jangan mudah tergiur dan mudah percaya dengan penjual yang memberikan testimoni foto keberhasilan yang tercantum di toko mereka seakan – akan itu bukti { Asli Atau Real } Menerima DP pembayaran Dan Menerima COD Di jaman sekarang dengan perkembang nya teknologi aplikasi editor bisa membuat foto seakan – akan itu bukti Real atau nyata, bisa anda perhatikan secara detail, Obat asli penggugur tidak ada yang bisa sistem COD, Kalau ada penjual obat aborsi sistem COD Pastinya anda bisa mendapatkan secara mudah di apotik ataupun rumah sakit terdekat alamat anda, Jadilah konsumen yang cerdas.

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Dokter Ratna Spesialis Kandungan Melayani Pengiriman Ke Seluruh Indonesia Dan Luar Negeri Melalui Via Ekspedisi J&T / JNE / SICEPAT / Pos Dll Free Ongkir

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Dokter Ratna Spesialis Kandungan Melayani Pengiriman Ke Seluruh Indonesia Dan Luar Negeri Melalui Via Ekspedisi J&T / JNE / SICEPAT / Pos Dll Free Ongkir

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elenawilliams
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Narcolepsy is a challenging neurological disorder characterized by excessive daytime sleepiness, sudden sleep attacks, and disrupted nighttime sleep. For individuals coping with this condition, managing daily activities and maintaining a high quality of life can be a significant struggle. Modalert, ...Read more

Narcolepsy is a challenging neurological disorder characterized by excessive daytime sleepiness, sudden sleep attacks, and disrupted nighttime sleep. For individuals coping with this condition, managing daily activities and maintaining a high quality of life can be a significant struggle. Modalert, with its active ingredient modafinil, offers a promising solution to these challenges by promoting wakefulness and enhancing cognitive function.

Modalert is designed to help individuals with narcolepsy stay awake and alert throughout the day. Modafinil, the active ingredient in Modalert, works by influencing neurotransmitters in the brain, particularly dopamine and norepinephrine. These chemicals play a crucial role in regulating wakefulness and alertness. By increasing their levels, Modalert 200 Australia helps combat the overwhelming sleepiness that narcolepsy sufferers often experience, allowing them to maintain focus and energy.

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Jhero23
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Let’s talk about the salary scheme and tax brackets that you earn in Canada and what comes into your pockets after all the deductions, it’s basically the expectations vs. reality of what the earning looks like ...Read more

Let’s talk about the salary scheme and tax brackets that you earn in Canada and what comes into your pockets after all the deductions, it’s basically the expectations vs. reality of what the earning looks like and I’ll be using a particular amount so that it’s relatable to know the breakdown of how the deductions are and what to expect as the net income which is what goes into your pocket after all the deductions have been made. This is something everyone should be aware of and if you’re going to immigrate to Canada, this should not catch you by surprise when you start working.

Tax brackets

So I’ll be using the benchmark of $20 per hour. Also, there’s something called tax brackets. This is different with different provinces, which means that the tax bracket for Manitoba is different from that of Ontario. What this means is that if one is living in Manitoba and the person is earning $36,000 per annum there is a percentage that is deducted from the individual’s salary (which is the tax bracket). If the person moves to Ontario and still earns the same amount, the tax bracket of Ontario will be used

I’ll be using Manitoba’s salary and tax bracket as illustration in this article. Manitoba has three tax brackets combined with the federal; the first tax bracket is 10.8%. This implies that if you are earning from $0 – $32,670 per annum, 10.8% will be deducted and if your gained an increase in salary and you earn $70,000, automatically your tax bracket will be increased  to 12.75% and a further increase of salary about $70k, attracts a tax bracket of 17.4%. This is the provincial tax bracket scheme.

The Federal Tax Bracket

For the federal tax bracket,

  • 15% for the first $46,000,
  • 20.5% for those who earn $60k – $93k per annum
  • 26% is deducted from those who earn between $93k – $144k
  • 29% is deducted from those who earn between $144k – $205k
  • 33% is deducted from those who earn about $205k

but I don’t want to dwell on the tax bracket so much although it has an effect on how much will be deducted from the salary, but I’ll be dwelling so much on the main salary so that you can understand what to expect at the end of the month.

Using a base amount which is $20 per hour, it’s very rare for a new immigrants to get a salary or to get a job that pays about $20.00 per hour but it’s not impossible. There are a  group of people who earn as much as that and more but most immigrants won’t because of their backgrounds so you have to start from the bottom and walk your way up.

Therefore most immigrants start with a minimum wage, some start with $15 per hour while others start with 17, 18 or 19  and it increases as you progress. If you are lucky to earn $20 per hour, your tax bracket is 32.8%. This gives you $3,000 per month and $36,000 per annum. So let’s break it down, automatically you’re earning $150 per day and in Canada, the way people get their salaries is different. Some companies pay weekly, some pay bi-weekly, others pay monthly but the majority of companies paid bi-weekly. So if you are paid bi-weekly, you’ll be getting $1500 for $20/hour.

Deductions

Now for $1500 bi-weekly, if your company has a union, you’ll be required to pay union dues $20 and this is deducted from your salary, now that’s $1480, this amount is the taxable income. The federal tax will be $131.83, and the provincial tax will be $114.07 so automatically $245.30 will be taken out from the balance $1480 and what you get is $1,235.

More deductions are still made, another deduction is called CPP (Canada Pension Plan). Everybody has to contribute to Canada Pension Plan because it is a compulsory deduction.

This will take $69.63, another deduction called EI will take $24. At the end of the day, from $1500, after $359.23 has been deducted all together, you’ll then get  $1140.77, so the real monthly pay is $2281.54

This amount is what is used to pay for bills like rent, phone bills, insurance, day care, cars bills and the higher you earn, the higher the tax, so it eventually looks like you’re working hard and not much is coming in. What are your thoughts about the salary and the tax brackets in Canada

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