Financial literacy refers to the level of competence that a person has for handling financial problems. A good skill that every person should master in other to live a better and more secured life. Financial literacy is financial knowledge of the person that knows how to manage his/her money and how to save, make investment, or borrow money. In this regard, it can be said that possessing such knowledge allows individuals achieve better standard of living, especially when it comes to their financial choices.image made on canvafinancial literacy is the key to a better life as it enables people to make correct decisions regarding money. Having a better knowledge on how the process of budgeting works, people will be able to manage their money properly and avoid extra and unnecessary spending. For instance, a financially wise person will make a financial plan and stick to it by avoiding patterns like spending beyond his/her means and that may lead to accumulating of debts.Financial literacy also enables the persons to set up a good and proper financial framework for future families. Through saving and effective investment, the people can plan on how to acquire assets and become financially stable in future by planning for factors such as home, retirement, business among others. Employment make people secure and comfortable since they have full knowledge that they are economically ready to face anything that comes their way.In conclusion, financial literacy is important in enhancing one’s live because individuals are able to decide on their own on how to handle their monet. So, as people get financially educated, they will be in a better position to understand how to minimize or eliminate unnecessary and expensive occurrences within their financial structures, and they will be will be more focus on planning for their financial investments. Help reduce debts and will also help an individual to be in an economically position for the future. This approach is very productive, more secure and therefore happier life for individuals being able to fiscally plan for personal financial success as well as have contentm

Technology is now widely recognized as both a source of solutions on many issues we have at hand, but also it's has also become a threats to humanity which on the other hand can cause a wide range of adverse effects on people or society. There are quite a remarkable things that shows the negative impacts that technology has brought to the society, which range from the general degradation of interpersonal communication to potential threats to one’s mental and physical health, from issues with employment to the prospective environmental drawbacks. That way, laying focus on these perils helps to identify the risks of the present digitalized world and find proper solutions for achieving the sustainable future.image made on canvaOne the greatest threat of technologies is that they reduce the interaction between individuals. Families don't relate and interact with each other anymore, We now grow our dependence on smartphone, social networking sites and other technological devices for interpersonal communication, the nature of humans’ face-to-face communication is likely not to be effective again, we are close but far from each other, It is a fact that people have become more inclined towards screen time more than face-to-face social interface, and hence the verbal and non-verbal communication skills as well as percentage of our empathy and compassion are fading. Technology interdependence also results to petty disturbances and quick satisfaction that hinder people from having meaningful conversations or even devoting time with the tasks at hand. Such challenges can tear the social cable and rupture the social structure which keeps people tied in social organizations.Moreover, there are negative effects that are so evident in technology and these include the effects on one’s mental and emotional health. The constant engagement on social networks and the usage of other digital platforms makes individuals feel infelicitous, lonely and anxious because of the comparison and seeking attention through the likes and comments. People become more and more engaged with technology, and this interferes with the feeling of the present time and even cont

DeFi which stands for decentralized finance, has slowly started trending in the banking industry as the new phenomenon to revolution the industry. It is a system of tools and applications that were built based on decentralization using blockchain, smart contracts, and applications. It’s not such a distant thought to note the following points that indicate that DeFi is indeed better than traditional banking.image made on canvaFirst, it should be noted is the fact that one of the main requirements of DeFi is the absence of intermediaries. In the conventional financial models, transfers are conducted through discrete financial establishments, as for instance, banks, and often they are expensive, slow, and not quite available. DeFi is decentralized and allows for P2P transactions to be conducted directly, hence, it is faster and cheaper than the traditional system. It is as well decentralized that offer most of the users more privacy and security compared to storing their financial details in one central database that would easily be hacked.Also, DeFi provides equal opportunities to all people involved in the financial business. In conventional banking, the applicants with low credit rating or restricted access to the financial services may be discriminated and locked out of the financial instruments. DeFi is not limited to the high net worth individuals because it operates through the internet and requires a digital wallet. It enables more people to access financial services as well as gain better chances in the financial markets that were earlier a no-go zone to people with disabilities.The third major benefit associated with DeFi is its openness. In DeFi, blockchain technology enables all the financial transactions to be stored on a public ledger so that everything is transparent. This openness assists in the enhancement of credibility amongst the users, thus eliminating the chances of cheating. On the other hand, traditional banking involves transaction systems that are not transparent and customers can only depend on the statement of the bank as to the status of their monies.In addition, there are more avai

It is entertaining and fulfilling to build my own unique fashion items. Besides, one of the ways that can be an indication of my individuality and creativity is by creating a hat out of such average items as a scrap paper, a piece of cloth, or a cardboard. It is affordable and at the same time enables me to design my accessory individually. This DIY project is not only cheap, but it also enables me to incorporate my characteristics in it. Here are the instructions on how to make a hat out of a cartoon box with the holographic monster design that I received and attract everyone’s attention.Before I began this project I collected my materials. Well, to make a cartoon box that I could put on my head, a cartoon box that was virtually a head itself, I needed the following; Cartoon box- material that could be molded round my head conveniently, Scissors, Tape, A cartoon design created on paper, appropriately colored markers or paint, Glue. Of course, the box of the cartoon in sense underlined the idea, it served as the base for the hat’s structure. To form the box, I insisted on getting a material that was strong enough to maintain the strength of the box despite the thinness of the material but was also easy to cut and shape.Initially, I folded the cartoon box as it would be in an opened-can form and removed the upper lips of the box which was to serve as the background of the hat. Then, I trimmed the unnecessary cartoon to the required width to form the brim as desired as stated by O’Neal. The brim of the hat could be ranging from a particular breadth to as slim as I would wish depending on the type of hat I intended to make. ![26uUsAjKTsXCDw7zixZR182JbFKvgzJ9YwsFpTVcRaGCmsqhA1unTgpqZdbQgGLcgtg1SkCxY3NK6Vh12B9XLnvmLAA3BJAWpfYytBAgFA3WUbM8kvNVYHQyDaA2e6AEJXsNEGxfyNZJHvz6HRPcf2JVgiXEvNsi8DBvTY (1).jpeg](

When I consider the path I have taken on what would best be described as my path of becoming, I must ask: Was this a challenging process for me? It calls on one to face ones fears, venture into the unknown and make decision that are hard to make. But there is also equal opportunities for growth and development, change and metamorphoses, for discovering oneself.In retrospect, it could be seen that such process is not always a smooth linear rise to progress, but more often resembles a ride on a topic that has developed me as a person. There are success and there are failure, there are rationality and there are stupidity. However, over the years, I have gained an important insight about myself, strengths, and the opportunity for the overall improvement.image made on canvaI have had the opportunity to name the major difficulties I contend with along the process of self-creation; the most significant one is the fear of the unknown. Entering unfamiliar territory is a cause for concern and can cause a lot of anxieties since it means that one has to step out of his or her comfort zone. Shame and its related feelings of fear of failure rejection and disappointment can hinder a person’s progress and keep one from embracing change. This fear has been my shadow on my way, though it does not speak, it whispers negative thoughts and doubts.However, I have learnt that change actually cannot happen without risk and moving out of one’s comfort zone. It is when we are uncomfortable and do not know what to do that personal development takes place. The following is the elaboration of how the principles apply in my case: Change strategies: Change is a core principle in the company as it fosters learning, growth and development By challenging my limitations I have grown and been able to explore new opportunities of development.One more problem I have faced during my personal growth process is self-uncertainty. Self doubt, self esteem issues in relation to skills and intelligence, feeling like a failure, and the desire to be like others have also been present in my process of development. The volume of self-voice is often ver

It is very special that music can opened our hearts and take us to different time and different places. To me, the best is the kind of music that does exactly this – the blues.” The emotions and passion found in the structure of the songs paired with meaningful lyrics make me feel happy in a way pop can’t. In this kind of music, my favorite artist is the most sensational Celine Dion. Her powerful voice and acting skills have cuts and rises which make her outstanding in my music experience.image made on canvaWhen thinking about the allurement that lies within blues music, one’s mind tends to go blank.Celine Dion: Apart from Leslie, Murdoch gives a voice like no other. It should however be noted that Hitz Celine Dion, mostly operates in the pop and adult contemporary genres but has significantly encoded a versatility factor that sees her do blues. Her voice is roughly-timbered and yet could be as silken as fine silk and conveyed more emotions than words. A song from a movie Titanic – ‘My Heart Will Go On’, ‘The Power of Love’ also depicts romanticism and soul which are significant in the creation of blues music. Why Celine Dion and Blues are perfect for each other Honestly, I think that Celine Dion is perfect for the blues cause her musical arrangement is quite harmonious with it. To being able to sing a simple and touching story at the same time and make listeners cry is an aspect of blues music. Simply hearing her sing today tunes of blues, is enough to prove the resilience of the genre and her ability. Great Suggestions for Blues Enthusiasts If you’re looking to dive into the world of blues, here are some tracks and artists that you shouldn’t