The abrupt departure of Adidas AG’s head of human resources this week marks the second high-profile loss of a female board member among Germany’s most important companies, diminishing diversity and putting Europe’s largest economy increasingly out of step with a global push for inclusion.
Karen Parkin resigned from the management board on June 30 after coming under fire for characterizing staff concerns over racial disparities as “noise.” Black employees have criticized management for not doing enough to promote their cause. Adidas Chief Executive Officer Kasper Rorsted will assume her role until a successor is found.
While the departure of the 23-year company veteran gives Adidas a chance to reset, it also creates a management board — at least for now — that goes in the opposite direction of society’s push: all men, all white. That, however, remains the common look across the wider German corporate landscape, where women play only a subordinate role and racial diversity is almost entirely non-existent.
“It’s getting a little embarrassing,” said Christian Berg, a director at the Berlin-based AllBright Foundation, which seeks to promote female diversity in leading corporate positions. Berg points to a startling homogeneity among Germany’s most senior managers, which he says are typically white economists in their 50s, raised and educated in West Germany and whose first name is either Thomas or Michael, with a few Stefans thrown into the mix.
The problem isn’t that qualified women and people of color aren’t available, but the social networks among middle-aged men are so robust in corporate settings that many people don’t even see what’ shappening, Berg says.
“They’re used to promoting the people they know, that they’re familiar with,” Berg said.
As of September, women only made up 9.3% of positions on the executive boards of Germany’s publicly traded companies. By contrast, women in Sweden made up 24% of those positions and the rate is even higher in the U.S.
Germany did introduce a law in 2016 that requires 30% of non-executive board — the supervisory board — members of Germany-headquartered companies to be women. But for now, there is no woman running one of the country’s 30 biggest listed companies. Jennifer Morgan, the first female to break that glass ceiling when she took the top job at SAP SE last year, lasted only a few months before her co-CEO, Christian Klein, took sole charge.
To some extent, insularity has helped executives in recent decades focus on optimizing processes and products — something that’s particularly benefited engineering-type businesses, said Simone Menne, the former chief financial officer of Deutsche Lufthansa AG and Boehringer Ingelheim GmbH. But as technology reshapes industries and calls grow louder for a more holistic definition of corporate culture, such narrow, practical views look increasingly out of date, she said.
Contrave Review and Complaints: Side Effects Include Anxiety and Depression
- 1 Is Contrave a Diet Scam?
- 1.1 5 Worst Ways to Lose Weight in 2020
- 1.2 Miscellaneous Tips
Is Contrave a Diet Scam?
Contrave wants your money. Contrave is one of the latest weight loss pills scams pushing useless pills with the claim that it will guarantee weight-loss. American consumers spend tens of billions of dollars annually on dietary supplements that claim you can eat all you want and still lose weight.
The dietary supplement marketplace is not as safe as it should be. Weight loss pills manufacturers, like Contrave, routinely, and legally, sell their products without first having to demonstrate that they are safe and effective. China, which has repeatedly been caught exporting contaminated products, is a major supplier of raw supplement ingredients. The FDA has yet to inspect a single factory there.
Companies like Contrave, Leptitox, Saxenda, Isagenix, Valentus, Plexus, Optavia, SPX Nutrition, itworks!, Modere, Vfinity, Wakaya Perfection, Truvy, Herbalife, Nature’s Sunshine, Medical Medium, and many, many more.
People start using some of the worst ways to lose weight ever thought of. Today, the world is experiencing the highest rates of obesity ever recorded. However, there is also a movement to become healthier again. People are recommending eating healthier food, exercising regularly, and engaging in healthier habits.
These can include extreme diets and exercise routines. These do more damage than good and can result in very unhealthy consequences. Like everything that’s worth doing, losing weight doesn’t come easy. So whatever you do, don’t use any of these ineffective and bad ways to lose weight in 2020.
5 Worst Ways to Lose Weight in 2020
1. Setting Unrealistic Goals
We often look at magazines or films and set unrealistic goals for ourselves. We end up wanting to look like the most popular movie stars or the most toned swimwear models. However, those goals tend to weigh on us. This goal setting is one of the worst ways to lose weight.
Instead, try and set incremental goals like losing a pound or two every week.
2. Fad Diets and Quick Fixes
Every single year there are newfangled diets that claim that the pounds will just melt off. Recently there was a fad that involved just eating meat and forsaking all other food groups. There is also the newly popular keto diet that everyone is trying. However, nothing works better than simply eating a balanced diet and exercising.
Forsaking certain food groups and depriving yourself of things that are healthy for your body is bad. It’s one of the worst ways to lose weight. Diets which ask you to give up food groups aren’t sustainable. Eventually, you’ll have to go back to tasting things with sugar, or fat, or protein in them. The diets only work until you’ve reached your goal weight. The goal should be to sustain that weight over a long period of time.
3. Starvation or Skipping Meals
If there is a winner on this list of the worst ways to lose weight, it is probably this one. Starvation and skipping meals basically deprives you of energy; that’s all it does. If you’re on an intermittent fasting diet, that’s another story. However, that doesn’t consist of depriving you of food. It helps you eat enough in a short span of time, so that your body uses up fat deposits when you exercise.
That being said, skipping essential meals and depriving your body of the nutrients it needs is wrong. All it does is get you a one-way ticket to lethargy.
4. Being a Slave to the Numbers
Know that your weight fluctuates throughout the day and throughout the week. Hence, if you’re always looking at the reading on the scale, and judging yourself, it’s harmful. It’s one of the worst ways to lose weight. Set deadlines and goal weights. However, don’t be obsessed with hitting certain goals immediately or consistently.
Fluctuation leads to frustration and can cause high blood pressure and high cholesterol levels. Don’t stress yourself out and help your overall health. Keep consistently working out and eating healthy and stick to your goals. That’s how you’ll progress over a long period of time and maintain your goal weight.
5. Immediate Intense Exercise
In order to do intense exercise, you have to slowly work your way up. Just like you can’t bench 200 lbs on your first try, you can’t do 100 pushups on your first try. Hence, you need to slowly work your way up to the muscle mass required to do intense exercises. This includes developing the kind of muscles you need to do specific exercises.
The alternative is simply too great a health risk. Yes, intense exercise is known to burn off a lot of calories in one go. However, atrophied muscles can’t accomplish it. You can’t do it without hurting yourself or pulling a muscle.
Hence, it’s one of the worst ways to lose weight.
There are several other things you can do to prevent weight gain and lose weight. However, the best ways to do it constitute an iron will, a lot of patience, and consistency.
An All or Nothing Approach is Wrong
Don’t claim that you’ll never eat your favorite fast food item again. Don’t say that you’ll never miss a single day of workouts again. Also don’t make claims that you’ll always stick to a healthy diet, and never go back to snacking. All of these are near impossible standards. Realize that there will be setbacks so that you can pick yourself back up again.
Forgive Yourself for Missteps
Some of the worst ways to lose weight often involve stopping after a misstep. This can be a missed day of workouts, or a snack that you’re not supposed to have. People tend to give up working out simply because of these missteps because they believe that they’ve destroyed progress. This is a genuine problem that will actually destroy progress. Skipping a day in between workouts is no reason to give up, and neither is ordering out occasionally.
Get Enough Sleep
One of the worst ways to lose weight is to completely remove sleep from the equation. Remember that sleep is literally the one thing that can give you rest and is better for your long term health. Those that lose sleep are at a higher risk of high blood pressure, high blood sugar levels, obesity, and heart problems.
Manage Stress Levels
This is extremely important. Without managing stress, you’ll never get your heart rate down to a manageable level. You’re going to the gym to raise your heart rate anyway. However, your resting heart rate should be as low as possible. This will ensure that your heart doesn’t tire itself out when you exercise. Low heart rate results in lower blood pressure, better digestions, and consistent sugar levels.
Out of these 5 worst ways to lose weight you shouldn’t gravitate to any single one. Just keep exercising regularly and eating healthy, and you’ll be just fine.
Will Safe Path Advisors Add To Your Financial Stress?
Will Safe Path Advisors’ Debt Offer Add To Your Financial Stress?
“Safe Path Advisors is the newest bait and switch trap brought to you by none other than the same devil that brought you Silvertail Associates…”
Avoid Financial Stress
According to a recent survey conducted by the American Psychological Association (APA), 60% of Americans admitted that worrying about finances is the biggest source of stress in their daily lives. The study found that the cost of health care was the top cause of this financial stress.
Arguably, money is the biggest reason why most Americans feel stressed out. Be it accommodation, health, education, career, all of these aspects of life are closely tied to money.
Another survey found that as many as 68% of American respondents stress over their financial situations. The most common cause of stress, found by this study, was debt. Almost 71% of the survey participants said that debt was a significant contributor to their stress.
Although financial stress is a very serious problem, there are ways to deal with it. If you’ve been struggling with managing your stress due to finances, we’re here to help you out.
By incorporating a few positive changes and tips in your life, you can manage your finances in a way that doesn’t stress you out. Check out the following tips to reduce financial stress.
1. Stick to a budget
It may sound obvious at first, but sticking to a budget can be challenging. However, that’s the only way you can manage your financial health. If you make a budget that covers all your costs and saves you some amount for your emergency fund, you’ll slowly start feeling relieved.
Sticking to a budget requires discipline. You’ll have to prioritize your essential expenses over others. Staying away from luxuries and non-essential expenses will keep you away from unnecessary stress.
Creating a budget can be as simple as laying out your expenses on a spreadsheet. You can also use budgeting apps and software to keep you on track with your goals.
Creating an emergency fund is also essential. However, you’ll need to pay off your debt faster to spare any money for savings.
Sticking to a budget sounds simple enough, but it’s harder to actually do it. Unexpected expenses set you back the most such as medical bills, childcare, loss of income, etc. That’s why having some extra money to tap into will relieve you of the immense financial stress.
2. Forgive your past mistakes
Avoidance coping is a coping mechanism adopted by most people who deal with stress. They start avoiding the problems so that they don’t have to deal with them. It’s a very critical problem because it prevents you from pursuing your goals. It leads to procrastination and agitation, which causes you to fall into further financial distress.
When it comes to financial stress, the reason may not always just be money. Sometimes, your past actions and mistakes make you feel guilty and keep you from progressing. Whenever you feel that way, you must remind yourself that you’re not alone in this. Millions of people deal with stress over financial problems.
In order to get better, you first need to deal with all the past mistakes that are holding you back. You need to forgive yourself for whatever happened in the past. That’s the only way to secure a better future. You can take ownership of your actions now and make better decisions to avoid future debt relief emergencies.
Several studies have revealed that people who successfully manage their stress have compassion for themselves. It’s about time you take it easy on yourself and start taking small steps to reach your big goals.
3. Seek assistance
When something starts holding you back, it’s always a good idea to ask for help. You don’t need to go through the financial stress all on your own. There are several organizations that offer free financial counseling.
National Foundation for Credit Counseling is one such non-profit organization that can help you figure out your financial troubles. They have experienced financial counselors and advocates who can closely assist you in dealing with debt such as credit cards, mortgage, student loans, etc.
Apart from finances, you should also consider seeking emotional support. Talk to your friends and family. Emotional support makes a lot of difference in dealing with financial stress. Find your safe space and let it push you through tough times.
4. Manage your debt
If eliminating debt seems far-fetched, then there are several methods to manage your debt. Debt consolidation is one such excellent method. If you have credit card debt or any other bills, it becomes difficult to keep track of all your debts and their associated terms. Consolidating debt simplifies the process for you.
Taking out a personal loan to consolidate your debt is what we would recommend the most. It usually has lower interest rates and fixed terms, which saves you from the uncertainty that comes with other loans. With a personal loan, you’ll know the exact amount that you have to pay each month and for how long. This reduces the anxiety of figuring out debt.
Debt consolidation with personal loans offers predictability and a sense of certainty, which can help you with financial stress. Moreover, you even have a chance of paying off your debt quicker.
5. Take it easy
Your life doesn’t have to revolve around money and debt all the time. Using relaxation techniques can help you lower your financial stress, and many of them don’t require any money.
Whenever you feel that you’re getting stressed, close your eyes, and do deep breathing exercises for a few minutes. Something as simple as that can help keep your blood pressure and stress in control. Keeping a warm towel around your neck is another technique of decompressing.
Activities like a walk in the park and spending time with your loved ones can go a long way in keeping you healthy and stress-free.
Money affects our lives, both financially and psychologically. Although it’s important to maintain a stable financial position, your health must be your top priority. By incorporating the tips discussed above, you can successfully deal with financial stress.
How To Make Your Own Disinfectant For Protection From COVID-19
With the entry of coronavirus in our lives, nobody is short of being a clean freak. Excessive cleaning, sanitizing, and using disinfectant has become commonplace words. It has become essential to disinfect spaces in our homes like bathrooms and kitchens multiple times in a day. Panic buying episodes have left shelves empty of commercial disinfectants in the market.
If you’re facing a similar situation or just want to experiment with making your own disinfectant, we are here to take you through the process. It’s possible to DIY a disinfectant and use it as hand sanitizer, wipes, or spray. Here’s how to make your own disinfectant for protection from COVID-19.
Things you’ll need
When planning to make your own disinfectant, it’s essential to follow the recommendations published by the US Centers for Disease Control and Prevention (CDC). For instance, you must use EPA-registered disinfectant ingredients that have proved effective against the virus. Few of them are given as follows:
- Hydrogen peroxide: As per the CDC, hydrogen peroxide has proven effective against several types of microorganisms, including viruses, bacteria, fungi, yeasts, and spores. 3% content of hydrogen peroxide in a solution will kill the microorganisms, including viruses, after exposure of at least six to eight minutes.
- Isopropyl alcohol: It is popularly known as rubbing alcohol. It is the most effective when exposed to an infected surface for 30 seconds at the least. It is water-soluble alcohol, so it can easily be diluted. However, the concentration of alcohol needs to be 70% to disinfect against viruses. Make sure you do a spot test before using the solution on surfaces because isopropyl has discoloring properties.
- Bleach: Bleach has proven effective against several viruses and bacteria when it is properly diluted. According to instructions published by CDC, the appropriate dilution concentration is 4 teaspoons of bleach per each quart of water. Make sure you leave the solution sit for ten minutes on the surface before wiping it away. Be cautious not to use bleach with anything other than water. It can form hazardous compounds when mixed with chemicals like rubbing alcohol, ammonia, or any acidic compounds.
How to DIY your own disinfecting products?
1. Hand sanitizer
Washing hands with soap and water or handwash and water are the ideal method to keep your hands virus-free. However, you don’t always have access to a sink. In that case, hand sanitizer is your next best bet to keep COVID-19 at bay. When you’re making your own hand sanitizer, it’s crucial to keep your ratios precise. Otherwise, the solution wouldn’t be effective against viruses.
We spoke to experts in the chemical field and bring you an effective recipe to make hand sanitizer. It is as follows:
To begin, you’ll need isopropyl alcohol. It’s easily available at Walmart, but if you don’t want to go shopping, you can order it online on Amazon. Make sure you get the alcohol with at least 90% concentration for making an effective hand sanitizer.
To make the sanitizer, you need to have aloe vera gel. If you don’t have it at home, then you can make your own from aloe vera leaves. Follow the steps given below:
- Scrape out natural aloe vera gel from the leaves of an aloe vera plant.
- Cut the leaf’s sides and eliminate the top layer of skin.
- Scrape the gel out of the leaves using a spoon.
- Take out your high-speed blender, and blend your scraped-out aloe gel for two to three minutes.
- Then, filter out the blended gel using a strainer and eliminate the debris left by leaves.
How to make the sanitizer: It’s a fairly simple process, once you have the ingredients. You just have to take one-part aloe vera gel and mix it with three parts of alcohol. Aloe vera will make sure your skin doesn’t dry out from using the sanitizer. For a nice and refreshing scent, try adding a few drops of any essential oil.
Take an empty and clean container to transfer your hand sanitizer in, so you can carry it around easily. If you notice any sedimentation in your sanitizer inside the container, make sure you shake it before use.
2. Disposable wipes
If you’re worried about running out of disinfectant wipes, or your local store has a shortage of the product, then you can make your own disinfecting Clorox wipes very easily. You’ll have to follow the method given below:
- Take a roll of paper towels and cut it horizontally from the middle. The cut pieces should look like two rolls similar to toilet paper.
- Put 2 tablespoons of bleach in 2 cups of water and mix the solution.
- Place one of the rolls flattened into an air-tight container. Pour the mixed solution on the top.
- Make sure that the paper towels are completely saturated, and the container is big enough to keep all the liquid in.
- Take out the center cardboard roll, and fresh paper towels will be ready to be pulled out from the middle.
3. Reusable wipes
Instead of using hardly available disposable disinfectant wipes, if you want something which is reusable but just as effective, then reusable wipes are the way to go. They are also not complicated to make on your own. Follow the steps given below:
- Take an old t-shirt or any other cotton fabric and cut it into squares of the size of regular wipes.
- Either use a bleach solution or make a mixture of 2/3 cup of isopropyl alcohol with 99% concentration and 1/3 cup of water.
- Soak the square-shaped pieces into your preferred solution.
- Place your used wipes sealed in a container until you wash them. Make sure you wash them in a hot setting.
- Use the washed wipes again by re-soaking them in the solution.
Although you might be worried about using harsh chemicals for disinfection in your home, but that’s the only legitimate way to kill the deadly virus. You may have heard that natural ingredients like vinegar, tea tree, and essential oils are natural disinfectants.
However, they haven’t proved effective against COVID-19. Therefore, you must not rely on them for your safety.
Can Simple Path Financial Help You Pay Off Debt Faster?
Today, millions of Americans carry debt on their accounts. Many people who want to pursue debt elimination consider whether taking a personal loan to pay off debt is a good idea.
- 1 How does debt work?
- 1.1 Pay off debt faster
- 1.2 Understanding your debt
- 1.3 Assess what’s holding you back from paying off your debt
- 1.4 Other options to pay off debt faster
- 1.5 Conclusion
Today, millions of Americans carry debt on their accounts. Many people who want to pursue debt elimination consider whether taking a personal loan to pay off debt is a good idea. In the majority of cases, it’s usually possible to pay off debt faster than one anticipates. Companies like Simple Path Financial and Fiona offer debt consolidation and debt settlement services. These types of companies have been growing in popularity and also consumer complaints. It is sometimes hard to figure out what to do.
You need to have a systematic approach and access to the right financial tools. If you are unsure about how to pay off debt faster, then we’re here to guide you through the various options. Let’s get started by understanding debt and its various types.
How does debt work?
Debt is the amount that you borrow from a lender, such as a bank, company, government, or even a person. This amount is considered debt, and you have to repay it with interest within a predetermined period. The length of the period and the interest rate combine to make the terms of a loan.
Debt can either turn out good or bad for you, and it mainly depends on how you utilize it. There are several types of loans, such as car loans, credit card loans, personal loans, home loans, or the money that you borrow from family and friends.
Another common type of debt among Americans is student loans. If you use loans strategically, they can bring you closer to your goals, such as buying a home, getting an education, starting a business. However, if you don’t manage them responsibly, they can cost you heavily in terms of money as well as time.
Pay off debt faster
Several options can be used to pay off debt faster. Take a look at the following most commonly used ones:
1. Debt consolidation
If you have high-interest credit card debt, then debt consolidation is probably the most popular method to pay it off. Debt consolidation allows you to combine all of your debts, and then you only have to make a single monthly payment, usually at a much lower interest rate. Taking out a personal loan to consolidate loans is the most common option.
The amount received in personal loans is used to pay off all your creditors, and then you only have to repay the personal loan. Personal loans usually come with lower interest rates and a fixed term and can help you pay off debt faster and at a lower cost.
2. Debt settlement
Debt settlement provides you the option of consulting with a third party, i.e., debt settlement company, to negotiate with your creditors a settlement amount on your behalf. Although it’s a good method of receiving debt relief, it comes with its risks. It can affect your credit history and can cost you a lot because you’ll have to pay the fee of the debt settlement company.
3. Home equity loans
Home equity loans are secured loans that require you to put your house up as the collateral. These loans usually have a much lower interest rate than credit cards. However, your house is on the line.
This option is usually not recommended, but if you have a lot of debt with high-interest, that requires a massive amount to pay off, then you can choose to go forward with this option.
4. 401(k) loans
Some people take a loan from their retirement savings plan of 401(k) to pay off their debt. 401(k) loans usually have lucrative interest rates, but they aren’t recommended because there’s a risk of losing on gains on your retirement plan. Therefore, consider taking a personal loan instead of a 401(k) to pay off debt faster.
Understanding your debt
Before worrying about how to pay off your debt faster, you’ll have to assess how much debt you have and what kind of debt it is. You need to find out the following to assess your debt situation more clearly:
- The amount of money you owe in debt, bills, and credit cards
- The total interest you’re paying on all your debts
- Your APR (annual percentage rate)
- The minimum monthly payment that you make
This information will give you a clear picture of your situation and will help you make well-informed decisions when you look for options to pay off debt faster. Make sure that you document this information on a spreadsheet or any other tool where you can keep updating it.
Assess what’s holding you back from paying off your debt
People usually advice generic things like saving up, minimizing expenses, and generating extra income to pay off your debt faster. However, life isn’t as simple as they make it sound. People usually take loans to pay off unexpected or emergency expenses. Besides, even if you have a good income, debt can still pile up.
But it’s important to assess your situation critically and understand what’s causing you to not pay off your debt faster. Once you have the answer, it will be easier to manage your finances and prevent debt from piling up in the future.
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Other options to pay off debt faster
You can generate additional income to pay off debt faster. There are several ways to do it. Many people start providing freelance services to make some extra bucks.
Today, several flexible part-time work options are available such as signing up with a ridesharing company, food delivery, home rentals, etc. These small side gigs can help you generate that extra income that could go towards paying off your debt.
You can also try selling your personal items or tools that you no longer use. One can sell almost anything on online platforms. Having a garage sale is also an excellent idea.
Several methods can be used to pay off debt faster, but the most important thing is to hold yourself accountable for your expenses to prevent any future inconveniences. You need to set yourself short-term and long-term financial goals to manage your expenses more efficiently.
Personal loans are an excellent way to discipline yourself while paying off debt because they have a fixed term, and you’re aware of the amount you have to pay each month. This helps you get more consistent and disciplined with your financial routine.