Most popular types of weight loss surgery

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Most popular types of weight loss surgery

With the uncontrolled increase in obesity and overweight rates, Weight loss surgery has become a frequent procedure in many countries where junk food consumption and processed sugar are out of control.

Bariatric surgery, commonly known as weight loss surgery, consists of procedures that allow obese and overweight patients to lose those extra pounds that harm their life’s quality.

All weight-loss surgeries offer highly effective results in the short and long term, as long as the patient is willing to modify their eating habits with a nutritionist and a psychologist’s help.

However, like any medical treatment, bariatric surgery can have complications, so not everyone can undergo one of them.

The three most commonly used weight-loss surgeries are:

  • Gastric sleeve.
  • Gastric bypass.
  • Gastric balloon.

Gastric sleeve

Gastric sleeve is a restrictive technique; surgery involves removing a large portion of the stomach to reduce its size and, by extension, the amount of food the patient can eat.

This causes a decrease in appetite and makes it easier to achieve a feeling of satiety. With proper medical and psychological supervision, patients adapt to their “new stomach” and gradually gain their ideal weight.

Gastric bypass

The gastric bypass consists of two phases; the first one is similar to the gastric sleeve since it consists of forming a smaller stomach to restrict the amount of food that the patient can ingest.

The second phase consists of connecting the new stomach to a more advanced section of the small intestine; thus, the ingested food bypasses most of the small intestine and the absorption of nutrients decreases.

Gastric balloon

A gastric balloon is a non-surgical and reversible treatment; therefore, it is much safer than the previous two. At the same time, it is highly effective in stimulating weight loss quickly.

The procedure consists of endoscopically introducing a deflated silicone balloon through the mouth. When the balloon reaches the stomach, it is inflated with a saline solution and occupies a large part of the stomach. This makes the patient feel full with smaller portions of food.

The balloon is removed after 6-12 months, but the results are preserved over time as long as the patient is willing to maintain a healthy diet.

Who can have weight loss surgery?

Bariatric surgery is a procedure performed for medical reasons, and it should never be for aesthetic reasons since these are complex surgeries and the eligibility criteria are strict.

Only people with morbid obesity whose life’s quality is compromised and who fail to lose weight with diets and exercises are eligible for weight loss surgery. The surgery will only be performed if the doctor determines that the patient’s’ general health status does not compromise the surgery’s success.

Overweight people are NOT eligible for bariatric surgery; however, sometimes an overweight person may be eligible for a gastric balloon, as this is a temporary and reversible procedure.

The power of a positive mindset

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The power of a positive mindset

Do you have a morning ritual? And I’m not talking here of starting the coffee before brushing your teeth or walking your dog from the left.

Can I deduct health insurance premiums from my taxes?

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Can I deduct health insurance premiums from my taxes?

For many, health insurance is one of their largest monthly expenses. Can I deduct health insurance premiums from my taxes?

If you are covered by employer-sponsored health insurance, your contributions may already be tax-free. If your contributions are made using a payroll deduction plan, they are probably in dollars before tax, so you won’t be able to claim tax deduction at the end of the year. However, you can still apply for the deduction if the total healthcare costs for the year are high enough. Self-employed persons may qualify for health insurance contributions, but only if certain criteria are met. 

Deduction of medical expenses

Costs of health insurance are included in expenses eligible for the deduction of medical expenses. To calculate this deduction, specify the item that is limited to the total amount of total costs exceeding 7.5% of adjusted Gross Income (AGI) in 2019.

This rule is usually mathematically unfavorable unless you incur significant other medical costs in addition to your insurance premiums. You can include them to help you exceed the 7.5% threshold.

Deductions for self-employed people

There is an exception to the 10% rule for people running their own businesses. If you are self-employed, you can deduct all your contributions. However, if you have the right to participate in another employer’s plan and you decide not to do so, you cannot take this deduction. If you are self-employed but have a different job, this may prevent you from being deducted. Similarly, if you are eligible for insurance under your employer’s sponsored spouse plan, it may also prevent you from being deducted.

Can I deduct health insurance premiums from my taxes?
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Tax deduction and pre-tax remuneration

Employees who pay for health insurance in dollars before tax through deductions from the payroll are not entitled to continue deducting the same expenses. Check your payslips if you are unsure how you pay for the insurance available from your employer. You use dollars before tax if your insurance deductions are made before your employer calculates your tax deduction. 

This is not necessarily a bad thing. Paying for health insurance as a pre-tax deduction is actually more beneficial and will probably save you more money than deducting your medical expenses. Pre-tax health benefits reduce your taxable salary, and the income tax, social security tax, and Medicare tax you have to pay is a percentage of that taxable salary.

Other ways to reduce tax

If you are not entitled to deduct health insurance contributions – either because you do not meet the cost threshold or because you choose a standard tax deduction – there are other ways to reduce your overall medical costs. 

You may consider choosing a high-cost deduction (HDHP) health plan as a type of insurance coverage. HDHP usually offer lower premiums than other plans. They also offer a unique feature that allows plan subscribers to open a Health Savings Account (HSA), a tax saving savings account. Money paid into an HSA account can be used to cover healthcare costs out of pocket. Contributions to the HSA are tax deductible and, in the case of eligible expenses, payments are also exempt.

 

Do you pay taxes on casino winnings?

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Do you pay taxes on casino winnings?

There are winners and losers in gambling. But even winners can lose if they don’t pay taxes! Any money you win at gambling or betting is considered taxable by the IRS. Do you pay taxes on casino winnings?

The same applies to fair market value of items won. Income from gambling is not just card games and casinos; includes winnings from race tracks, game shows, lotteries and even Bingo. In the case of income from gambling, certain specific rules apply and the record keeping requirements are strict. However, you can deduct your gambling losses.

Is income from gambling taxable?

The answer is yes, but the good thing about gambling tax law for big winners is that, unlike income taxes, gambling taxes are not progressive. Whether you win $ 1,500 on the slot machine or $ 1 million at the poker table, the tax rate you owe for your gambling winnings is 24% (previously 25%). When you win a jackpot on a large slot machine, the casino is obliged to keep 24% after receiving the prize; also provides an IRS form, called W2-G, to report its winnings to the government.

What does the IRS consider to be gambling?

The IRS believes that any money won from gambling or betting – or the fair market value of the items won – is taxable income. Income from gambling is not limited to card games and casinos; includes winnings from race tracks, game shows, lotteries and even bingo. There are stringent requirements for keeping records, but you can deduct your gambling losses.

What are the winning thresholds?

It is important to know the thresholds that require income reporting by the payer. Payments must report IRS winnings in the following amounts:

  • $ 600 or more on the horse track (if it is 300 times more than a bet)
  • $ 1,200 or more on a slot machine or bingo game
  • $ 1,500 or more in Keno wins
  • $ 5,000 or more in poker tournament winnings

All of these require providing the payer with a social security number, as well as completing the IRS W2-G form to report the full prize amount. In most cases, the casino collects 25 percent of your IRS winnings before paying you.

Not all gambling winnings in the above amounts are subject to the IRS W2-G form. W2-G forms are not required to win at table games such as blackjack, dice, baccarat and roulette, regardless of the amount. Remember that this does not mean that you are exempt from paying taxes or reporting tax winnings. All gambling winnings should be reported to the IRS. It just means that you don’t have to fill out the W2-G form for these specific table games.

Do you pay taxes on casino winnings?
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Gambling losses

You can deduct your gambling losses if you specify your deductions. You can only deduct your losses up to your total gambling winnings. In general, you must report your winnings and losses separately instead of reporting the net amount.

Gambling losses are deducted in Annex A as a different offset and are not subject to the 2% limit. This means you can deduct all losses to your winnings, not just over 2% of your adjusted gross income.

Do casinos report their gambling earnings to the IRS?

Yes, but there are some thresholds that must be exceeded for the casino to report winnings. The threshold for which gambling winnings must be reported to the IRS varies depending on the type of game. On the horse track you must report any winnings exceeding $ 600 or 300 times your initial bet. For slot machines and bingo, you must report all winnings exceeding $ 1,200. In a poker tournament, you must report winnings over $ 5000.

Taxes for professional players

If gambling is a person’s actual occupation, then proceeds from gambling are usually considered regular income and are taxed at the normal effective tax rate of the taxpayer.

 

Can I own a car without insurance?

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Can I own a car without insurance?

Car insurance covers the cost of material damage and injury resulting from a car accident. Drivers can also purchase policies covering events such as fire and theft, as well as vandalism and small benders. Your car insurance policy will cover you both while driving a car and driving another person’s car. Can I own a car without insurance? 

You cannot legally drive a vehicle without showing financial liability for damage or liability in the event of an accident. In most states, car insurance is mandatory as proof of this responsibility.

All states have financial liability laws, so in states where there is no requirement for liability insurance, you must have proof that you have sufficient funds to cover damages, medical bills, and more if you cause an accident.

You can face legal sanctions (such as a suspended driving license and car registration) without this proof of property. Even worse, in the event of an accident, your duties can ruin your financial future.

Penalties for not having car insurance

While each state sets its own penalties for violations of auto insurance, most states have significant penalties for lack of insurance coverage. The driver may also face suspension of driving license, refusal of insurance in the event of an accident and full liability for medical costs and property damage in a road accident. A second driver may sue you for the costs incurred in connection with these types of accidents, so insurance provides financial protection against such claims. Depending on the circumstances, costs can range from several hundred dollars to hundreds of thousands of dollars in cases of serious injury. 

Can I own a car without insurance?
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If you often drive another person’s car, you can take out car insurance if you don’t have a car. Insurance for a non-owner will provide civil liability insurance, as well as any additional insurance required by the state, but does not cover damage to the vehicle you are driving. This is a problem when renting a car because the main problem of the rental company is damage to the vehicle during renting. An alternative to purchasing rental insurance through a rental agency would be to get insurance from your credit card company. This can make more financial sense if you rent vehicles regularly. 

What happens if you get a ride without insurance?

Tickets, penalties and penalties for driving without car insurance depend on the state in which you live. (The penalties for each state are listed below.) In general, penalties may include:

  • Mandate
  • Time of prison
  • Points on your license
  • Suspension of licenses, registrations and / or registration plates
  • Stopping the vehicle
  • Court fees and reimbursement fees

Do you need insurance if your vehicle is not registered?

You may not be able to drive legally without insurance or other proof that you are financially responsible, but these rules only apply to vehicles that have been registered and have valid license plates. If you have a car that does not require registration, it does not require insurance. This also happens if you have a vehicle that you decided to put into storage and that you do not intend to drive in the near future. As long as the vehicle is parked on its own property or in the garage and you do not have license plates or inoperative plates, you do not have to worry about a fine for not taking out insurance.

 

Which email service is most secure?

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Which email service is most secure?

Emails are a very difficult means of communication to provide adequate protection. The problem with protecting your email is that it must be encrypted from end to end to prevent it from being intercepted when traveling on intermediate networks, and the recipient must have the same encryption system. Which email service is most secure? 

The 5 most secure email services

ProtonMail is a free provider of encrypted, open source email messages based in Switzerland. The most important feature when talking about any encrypted email service is whether other people can intercept your messages and the answer is unambiguous when it comes to ProtonMail because it offers end-to-end encryption. ProtonMail is so secure that it cannot recover emails if you forget your password. Decryption takes place after logging in, so the service cannot decrypt an email without a password or recovery account in a file. 

Countermail is about user safety. Although its interface looks quite outdated, its system is regularly updated and email security is second to none. Like ProtonMail, it also offers comprehensive encryption between sender and recipient and uses OpenPGP to protect e-mail messages and e-mail accounts. Because it uses diskless data servers, no one will be able to read or write anything you send through those servers. 

Which email service is most secure?
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Hushmail is another encrypted email service that has been around since 1999. Ensures the security and blocking of email messages using the latest encryption methods. Even Hushmail cannot read your messages; only the person with your password can do it. With this service, you can send encrypted messages to Hushmail users as well as to users who have accounts in Gmail, Outlook Mail or other similar email clients. 

Mailfence is an encrypted email service based on the OpenPGP standard that offers comprehensive encryption and digital signing. It was launched in November 2013 by the ContactOffice Group, which since 1999 manages the online collaboration package for professionals, universities and other organizations. Unlike other private and secure messaging services found on the Internet, Mailfence does not block users from their own “digital island”. It leaves its users complete freedom of secure communication with anyone, be it with other Mailfence users or any other email service. 

Tutanota is similar to ProtonMail in design and level of security. All Tutanota emails are encrypted from sender to recipient and decrypted on the device. The private encryption key is not available to anyone else. This email account is all you need to exchange secure emails with other Tutanota users. For encrypted email outside the system, specify the password that the recipient should use when viewing the message in the browser.

 

How to factory reset iPhone 4 without passcode and iTunes?

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How to factory reset iPhone 4 without passcode and iTunes?

iTunes works more than you can imagine. Restoring factory settings is one of its functions. However, when an iTunes error occurs and doesn’t work, you need to look for other ways to restore the iPhone to factory settings. How to factory reset iPhone 4 without passcode and iTunes?

How to reset iPhone without iTunes or Apple ID / password

If your iPhone is turned off or locked and iTunes is not available, the best solution will be Apeaksoft iPhone Eraser. It is able to permanently delete all content and settings. What’s more, this iPhone reset tool is rather easy to use. The only requirement is connecting the iPhone to the computer with the “Trust” option enabled. 

  1. Connect the iPhone to the computer 

Download, install iPhone Eraser on your computer and connect the iPhone to the computer as well. Run the program and wait for it to be detected automatically.

  1. Select the level reset option

There are three levels of deletion: low, medium and high. The first is to overwrite the iPhone once, the second is twice, and the last one is three times. Make a decision based on your needs.

  1. Reset your iPhone without iTunes with one click 

When you’re ready, click “start” to immediately start resetting your iPhone to factory settings.

How to factory reset iPhone 4 without passcode and iTunes?
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How to restore iPhone factory settings without iTunes / iPhone via iCloud

If your iPhone is lost and you want to restore it to factory settings to avoid data loss, just use “Find my iPhone” with iCloud to help you.

“Find My iPhone” is able to restore the factory settings of the iPhone without iTunes. 

The only requirement is that you have enabled the “Find my iPhone” function on the iPhone and can log in to your iCloud account online. 

  1. Enter icloud.com in the browser’s address bar and log in to your iCloud account and password (Forgot iCloud password?).
  1. Select “All devices” and select iPhone from the list. Then click “Erase iPhone” on the device information screen.
  1. You will need to enter your Apple ID and password again to confirm that you are the owner. Connect your iPhone to the Wi-Fi network and the reset process will start automatically.

 

Can stage 3 melanoma be cured?

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Can stage 3 melanoma be cured?

Of the three primary skin cancers, melanoma is the most malignant and resistant to treatment. Due to its dynamic development and the frequency of metastases, the therapy is extremely complicated and requires the participation of multidisciplinary specialists. The effectiveness of treating the disease is closely related to timely diagnosis. Can stage 3 melanoma be cured?

Risk factors

Risk factors are all circumstances that may or may not lead to cancer. The most important are:

  • Excessive exposure to UV radiation, both the sun and artificial tanning, i.e. solariums; UVA and UVB radiation can be equally harmful, although the latter is more important.
  • Cumulative sun exposure (also in childhood) with severe sunburn of the skin is closely related to an increased risk of developing melanoma.
  • Light skin phenotype (white race, red or blond hair, high propensity for sunburn gives a certain predisposition to melanoma).
  • Age and gender (the risk of developing the disease is greater for women and increases with age).
  • A history of skin melanoma (about 5-10% of people previously suffering from melanoma can be expected to get sick again).
  • A positive family history, i.e. the presence of melanoma in closely related individuals, increases the risk of melanoma.
  • Multiple birthmarks (for people with a minimum of five birthmarks larger than 6 mm, the risk of getting sick is higher than for people without birthmarks).
  • Atypical mole syndrome (minimum 50 moles with a diameter over 2 mm – a rare condition inherited in a complex manner).
  • Presence of birthmarks (they occur in approximately 1% of the population).
  • Immunosuppression, i.e. deliberate inhibition of the immune system activity in patients, e.g. after organ transplantation. The risk of melanoma increases in people receiving continuous immunosuppressive therapy.
  • Genetic background (responsible for about 3% of cases).
 Can stage 3 melanoma be cured?
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Stages of melanoma

Based on the factors determining the skin change, the occurrence of lymph node metastases, the occurrence of metastases to distant organs and the mitotic index, i.e. the indicator determining the number of cells undergoing mutation, the stage of melanoma is determined. Grade 0 means the form of melanoma not exceeding the epidermis, without infiltrates. Grade 1 is the stage of melanoma without lymph node involvement, without metastasis, the tumor does not exceed 1 mm in thickness, if it is ulcerated. Without ulceration, it does not exceed 2 mm. Grade 2 is melanoma only locally but lesions on the skin exceed 2 mm to 4 mm with ulceration. Grade 3 is melanoma with regional lymph node metastasis. There may be both micrometastases, as well as entire nodes are involved. In 70% of patients, metastatic changes in lymph nodes precede dissemination to distant organs. Grade 4 is the most advanced stage of melanoma. There are metastases to distant organs. 

Treatment of melanoma in individual stages.

The basis of melanoma therapy is surgery. Total excision of the primary focus. Changes are removed with an adequate margin of healthy tissue. When the presence of metastases in lymph nodes is confirmed, radical nodal resection is performed – lymphadenectomy. Starting from the third stage of the disease, its course is very complicated. Melanoma progression can be very rapid with rapid metastases to lymph nodes and other organs. At this stage, systemic treatment is introduced. Such complex therapy requires a comprehensive, combined and multi-specialist approach, as well as the availability of all treatments in one place.

 

Can Canadian open bank account in USA?

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Can Canadian open bank account in USA?

Banks have regulations that they must follow, including rules regarding the opening of an account by a foreigner. This can be done, but requires some additional documentation, courtesy of the Internal Revenue Service and federal regulations. Depending on the services offered by the bank, it may also be possible to open an account in Canadian currency or simply to continue banking operations at a Canadian bank using debit cards and ATMs. Can Canadian open bank account in USA?

IRS and international forms

For Canadian citizens to open a US bank account in the United States, only two IDs are needed. You don’t need a US mailing address to open a bank account. When a U.S. citizen or legal resident enters the bank to open an account, they will need to bring a photo ID and social security number with them. The bank does not try to create inconvenience; enforces federal law. All US account holders are subject to these rules for bank and brokerage accounts. If you are a foreigner and do not have a social security number, you still need to provide proof of identity and sign a tax declaration known as Form W-9.

Can Canadian open bank account in USA?
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Reasons why Canadians may want to open a US bank account 

There are several reasons why Canadians may want to open a US bank account:

  • You work in the United States. If you’re a Canadian working on a US visa, having a bank account will save you a lot of time and trouble by depositing checks into your US account.
  • You own a company in the US If you already own a company in the US or are considering opening it, having a US bank account can be beneficial. You’ll be able to open a company account, which can provide many benefits of easier invoicing, faster payments and lower fees.
  • You own a property in the United States. If you own a property in the United States or plan to buy a property, opening a bank account in the United States allows you to apply for a bank loan. Paying off your mortgage will also be less stressful.
  • You often travel to the USA. If you regularly travel to the States, having an account with a US financial institution makes your life much easier. You’ll have easier access to your money when you need it, and you won’t have to worry about converting currencies from Canadian dollars to US dollars and returning back, or paying transaction fees (which may increase over time).

Using a Canadian account

A useful alternative if you’re just looking for banking convenience would be to open an account in Canada, apply for a debit card, and use the card while in the US to make payments, withdrawals from ATMs and deposits. The bank will change all deposits made in US dollars to Canadian funds to your account and allow you to withdraw dollars during your stay in the US. Larger banks, such as the Royal Bank of Canada, also have branches in major US cities. 

Canadians with a US bank account can avoid costly exchange rates and will not have to deal with the problems of converting money from US dollars to Canadian dollars. Just remember that regardless of which bank you choose, find out what are the requirements and options to find the best bank for you.

 

Are online psychics reliable?

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Are online psychics reliable?

Discovering the secrets of the future is exciting. Going to the fairy, we always hope that in the future good surprises will be hidden. Some great love, big money, a career or talented children. We are driven by curiosity and hope. The fairy is to give us the best solution to problems, preferably reliable and ready. Therefore, customers ask: how, when, or why. And these are constantly topical questions that have not changed for years. Are online psychics reliable?

How do soothsayers know so much? 

If you’ve ever been to a fairy, you’ve probably left wondering how much she knew about you – things that no one could know – so it must have been some kind of supernatural perception. Scientists decided to look at both the work of the soothsayers, as well as the expectations and reactions of their clients.

An experiment on the veracity of divination

The name of the famous circus artist became a scientific term thanks to the psychologist Bertram R. Forer, who wanted to test Barnum’s view of divination, in 1948 conducted one of the most important experiments in this field. A group of students was asked to complete a test to examine their personalities. As a result of the test, the subjects received their characteristics – their task was to assess the compliance of reality with the test result. None of the students knew, however, that they had received the same cluster of general phrases written by Forer from randomly selected horoscopes. The study group rated the accuracy of “their” personalities at 4.26 on a 5-point scale! This is how the primer was created, which is used by every novice soothsayer today. Who will not believe a fortune teller who will say about us: “You had doubts about your temperament or sexual interests” or “You have a need for people to like and admire you, but you are critical of yourself”?

Are online psychics reliable?
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Predictions online

Online divination gives us the opportunity to re-view the card submission, because we receive them in writing. In this respect, they will always be better for a person than meeting a fairy personally. During the divination, many of the prophecy eludes us, we do not pay attention to certain issues, or we forget about what may be important immediately after leaving the fairy. For divination, we mainly remember what is important to us at the moment. Online divination allows us to analyze card responses, returning to them when we have doubts, when we need another hint.

Is it worth sticking to a proven fairy?

The work of the fairies online is no different from the work of other people. Well, it can be said that it is specific, but it is the type of work that the client does on the order of the contractor. The painter paints the room, the teacher – teaches, the seller – sells goods, and the fairy foretells. And just like in normal life, everyone is more likely to use the services of a person whose work he is satisfied with and is aware that this work will be properly done rather than leaning towards looking for someone new, not sure how he will perform the work entrusted to him and whether it will meet expectations.

Proven fairy online

If we manage to meet or find on our way a fairy who meets our expectations, who has an approach to us and who is credible to us, and her predictions come true, it is worth sticking to her. Here, however, I have a reservation. As for everything in life, divination should be approached with reason and in moderation. First of all, do not ask several fairies with the same questions at the same time. It is true that some of the divinations will coincide, and there will be one that will be what the Questioner expects, because according to her everything will be as it wishes.

 

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