What is CBD? Some important concepts that you should know

July 13, 2020

Today, CBD has penetrated into almost all the items that you use daily including your pills, gummies, candies, protein shakes, pain-relief balms, juices and more. Almost every item in the wellness industry has a CBD-infused version of it, which may give rise to a very important question in your head, “What is CBD”? Keep reading the following sections to know more about CBD, its benefits and its various types.

What is CBD?

Cannabidiol, popularly known as CBD or CBD oil, is one of the two active chemical compounds found in the Cannabis Sativa plant species. These plants are also known as hemp plants or marijuana plants commonly. This is why many people wrongly club CBD in the “high-causing substances” category.

However, the truth is far different than this. The two main chemical compounds of this species of plants are CBD and THC (tetrahydrocannabinol). THC is the one that makes you feel high and intoxicated. CBD, on the other hand, doesn’t make you feel high at all, because it doesn’t contain any psychoactive properties in it.

The healthy fats, antioxidants and anti-inflammatory agents in CBD help to treat quite a lot of physical and mental ailments. This is the reason why you can find many CBD-infused products in the wellness industry today. In most of the countries, CBD is approved as long as it contains less than 0.3% THC content in it.

Benefits of CBD

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Consuming CBD in any form regularly can result in a lot of benefits such as the following:

Relief from pain

If you are suffering from joint pain, chronic pain, pain from arthritis, pain due to inflammations or sports-related injuries, CBD-infused treatments will help you largely. This is because the anti-inflammatory agents of CBD will act on the neurotransmitters of your body’s ECS (endocannabinoid system) and control your response to pain.

You might have noticed many sportspersons using CBD-infused pain-relieving sprays on their muscles to get quick relief from inflammation-related pain. Also, CBD can be consumed in many forms such as pills, powders, gummies, candies, tinctures, vaporizers and topical applications. So, you can choose the mode that suits you the best.

Reduces anxiety-related disorders

CBD has a soothing and relaxing effect on your body and mind. When it acts on the ECS, it also sends signals to the brain to secrete more of the happy hormone known as serotonin. When this hormone is in good supply and when the natural cannabinoids in your body are working perfectly, you will feel at peace within.

Many studies have proved that CBD is very effective in treating stress-related disorders, anxiety, depression and other related ailments. It can help alleviate social fear and gives you more confidence than before to face the world.

Apart from these two popular benefits, CBD can also regulate your sleeping patterns and prevent your body from the oxidative stress caused by free radicals. Hence, you will notice an overall improvement in your skin and hair as well when you start including CBD in your life regularly.

Main types of CBD

When you set out to buy CBD-infused products to get these benefits, you will come across the following main types:

Isolate CBD – As the name suggests, contains only CBD and not any other essential cannabinoid
Full-Spectrum CBD – Contains all the natural cannabinoids of the Cannabis sativa species of plant; this includes THC as well, but in allowable limits
Broad-Spectrum CBD – Contains all the natural cannabinoids of the Cannabis sativa species of plant, but doesn’t contain any trace of THC

It is better to choose broad-spectrum CBD because it doesn’t contain any THC compound, but also comes with all the useful cannabinoids and antioxidants that are necessary for your overall health.

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Poker game history

Some sources claim that Chinese domino games played a fundamental role in poker history. According to some historians, as early as 900 years of our era, the Chinese aristocracy used to play a game remotely reminiscent of poker. Some historical documents describe how the Emperor of the Middle Kingdom, Mu Tsung, played bone cards in something that resembled a game of poker. Some historians send us to the ancient Persian game “es nes”, which was played with a 25 card deck of cards, which has five suits. Only five peoples were supposed to play this game. More realistic, but with the same later versions (1500-1600), the history of poker refers to some European games, such as primiero (common in Spain and Italy), as well as la prima (known in France). The rules of these games are vaguely reminiscent of the rules of poker but are simpler. It was necessary to play with only three cards, there were also rounds of bidding, after which the strongest hand won the pot. Although not many combinations were formed in this game, this game was very popular. In the 18th century, the history of poker received a new development – games such as “pokhshpil” (Germany), “bragg” (England), and “pok” (France) were widely used in Europe. These games are undoubtedly much more relevant to the history of poker, since poker combinations were already built from five cards, and one of the most important aspects of the game was bluffing. The rules of the games differed in different regions of the countries, but like poker, they had several rounds of betting, and the most powerful combination made up of five cards won. At the same time, the card game Teen Patti was popular in India. We can say the history of poker began with this game because only in it they played a deck of cards consisting of all 52 cards, the game also used blind bets (blinds), and there were several rounds of betting. For the first time, the word poker appeared in literature in 1834, thanks to the traveler Jonathan Green. While traveling on a ship in the Mississippi, he watched with interest, a strange, but exciting gambling game, which the sailors played all day. Sailors used to play this game among 2 to 4 people. The card deck consisted of 20 cards of four stripes. The cards include aces, kings, queens, jacks, and tens. Jonathan, describing this game in his book, called it a “game of deceivers” because most often, money was won not by the strongest hand but won by that player who managed to correctly bluff during the time. Modern poker history The true story of poker begins with the moment when the French colonists began to explore America. In this time, this game has gained immense popularity among residents. It was impossible to find a saloon in which the surrounding inhabitants would not play poker. Over time, poker has become almost a national game, played everywhere by people of different ages. Even the majority of US presidents were addicted to poker. In Europe, the history of poker dates back to 1870, from when the US ambassador to Great Britain introduced this game to the Queen’s court. The whole aristocracy of Great Britain was delighted with the new game, the rules of which they were taught. With the advent of the casino, poker only strengthened its position, because it was one of the most popular casino games. Today, there are about two dozen varieties of poker, each of which has its own audience and connoisseurs. Of course, the popularity of this game is growing every year, and the history of poker is just beginning. You can familiarize yourself with the Poker Rules and all its main varieties on our website. Since poker was brought online towards the end of the 90th, online poker has been gaining popularity and consistently growing year after year attracting millions of players. Indonesia, United States, Canada, Russia, and Brazil seems to be the top 5 countries where poker is popular. IDN Poker is the largest Asian online poker network and the second biggest worldwide network after Amaya’s primary brand, Pokerstars. IDN Poker focuses mostly on customers from the following countries, such as China, Malaysia, Thailand, Singapore, Indonesia, Philippines, Cambodia, Nepal, etc.
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Fact sheet: Unclaimed life insurance policies

Unclaimed life insurance policies are a rare, and preventable, problem Clear communication is important when it comes to your life insurance policy. Life insurance policyholders should inform their primary beneficiaries, as well as their contingent beneficiaries, about the existence of a life insurance policy that names them. If there are valid reasons not to inform the beneficiaries—if, for example, they are young children—it is a good idea to provide this information to the executor of your estate. When informing beneficiaries and/or an estate executor that a life insurance policy exists, give them the name of the company, the policy number and, ideally, tell them what they intend the life policy’s proceeds to be used for. Life insurers keep track of their policyholders No life insurer can stay in business for very long if it develops a reputation for ignoring or not paying legitimate claims. Life insurers prioritize honoring their moral and contractual obligations and have paid out $1.1 trillion to the rightful beneficiaries of individual life insurance policies over the past two decades. However, there are times when an insured person dies and no one notifies the life insurer or initiates a claim. Fortunately, advances in technology have allowed insurers to create new processes to reduce the number of instances in which this occurs. Life insurers have begun using the U.S. Social Security Administration’s Death Master File as well as other search technologies to determine if a person insured under an individual life insurance policy has died; if they can confirm the death, the insurer will initiate a search for their beneficiaries. Retroactive application of these state-of-the-art search methods is for some companies time-consuming, expensive and not a process accounted for in the original life insurance policy contract. Forcing insurers to retroactively change the terms of the contract is a “slippery slope” that can potentially put all insurance contracts at risk. Beneficiaries have ways to track down unclaimed policies If a loved one dies, and you’re unsure about whether they purchased a life insurance policy, there are ways to find out if they did. The Insurance Information Institute, the American Council of Life Insurers and state Insurance Department websites offer consumer tips on finding unclaimed life insurance policies. Because it is vital that a life insurance policy remain in-force if at all possible, there are policies that include a mechanism to ensure the policy is not canceled even if the policyholder misses a premium payment. In cases such as these, the life insurer pays the premium out of monies that have accumulated in what is known as the “cash value account” of a permanent life insurance policy. This is an important consumer protection. It prevents a policy from lapsing if the policyholder is unable to pay their premium due to a job loss or if the bill was lost due to either a move or even a prolonged vacation. This feature is not used after the death of a policyholder. If the insured person dies, the rightful beneficiaries of their life insurance policy are able to receive the policy’s proceeds so long as the policy was in-force at the time of the insured’s death. Unclaimed life insurance policies are turned over to state government Life insurers do not keep unclaimed life insurance policies in their possession indefinitely. Unclaimed life insurance policy proceeds are turned over to the state in which the insured is last known to have resided (often with interest) after a certain number of years have passed, following state laws on unclaimed property.
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8 smart steps for buying life insurance

How to find coverage that meets your needs and budget Life insurance can form a vital part of your family’s financial stability and well-being but, if you’re like most people, you may find the thought of shopping for the right type of coverage a little daunting. Fortunately, these eight simple steps can guide you along the way. 1. Determine whether you actually need life insurance Most people do, but not everyone. If no one depends on you financially, if you have no debt and would leave an estate with enough cash to pay its own taxes and expenses, you probably don’t need life insurance. If you do not meet these criteria, you probably will need individual life insurance. 2. Calculate how much life insurance you need There are two important questions to ask: What financial resources will be available to survivors after your death? For simplicity, consider three categories of resources: (1) Social security and other retirement-related survivor benefits; (2) group life insurance; and (3) other assets and resources. It is also important to know when these resources will become available—for example, social security survivor benefits are payable immediately to a surviving spouse with dependent children, but only after age 60 if there are no children. What financial needs will your survivors have after your death? For simplicity, consider three categories of requirements: (1) final expenses; (2) debts; and (3) income needs. Then subtract your survivors’ financial resources (step #2) from their financial needs (step #3) to determine how large a policy to buy. Many people are underinsured, often because they skip these steps or take a shortcut (such as simply buying a multiple of annual income). For more help in determining the right amount of life insurance, see: How Much Life Insurance Do I Need? 3. Consider other objectives you may have for your life insurance Some types of life insurance policies include a savings feature that can be used for purposes other than paying death benefits. 4. Determine what type of life insurance best meets your needs Essentially, there are three types of life insurance policies—term life, whole life and universal life. If you need the insurance for only a specific period of time, or are on a limited budget, a term policy, which has lower premiums, may be a good fit. If, however, you need the insurance for as long as you live and want to accumulate savings, a whole or universal policy may be a better choice. 5. Find out if you need to add any “riders” to the policy There are two that you should consider—waiver of premium and guaranteed insurability. Some policies come with one or both included with the basic contract but, if not, it is generally a good idea to add them. Waiver of premium pays the life insurance policy premium for you if you are disabled. Guaranteed insurability permits you to add to the death benefit without providing additional evidence that you are in acceptable health. 6. Shop around There are many ways to save money when buying life insurance, but they don’t always entail paying a lower premium immediately. That said, life insurance is a very competitive business so quotes can vary significantly between companies. 7. Decide whether to pay premiums annually In most cases, it is better to pay annually rather than in installments because there is often a relatively large additional charge for paying smaller amounts more frequently. 8. Tell your beneficiaries about your life insurance policy Once the policy is issued, inform your beneficiaries the company that issued it, where to find the paper copy of the policy and any specifics about what you want them to do with the death benefit. While is rare for people to be unaware they are the beneficiary of a life insurance policy, it does happen and you want to make sure that the benefit will not go unclaimed. And store your documents so that they can be easily accessed by your beneficiaries.
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Bitcoin hit $8,000 again. What’s behind the rise

Bitcoin has traditionally been considered risky, says Dan Held, co-founder of Interchange, a firm that advises companies on how to manage cryptocurrency assets. Dan Held said, referring to Bitcoin, that the currency’s resurgence may be the first hint that it weights a “risk-off” trade — an investment seen as a safer bet when markets are turbulent, like bonds or gold. After all, the currency surged in value on Monday as the Dow fell 617 points, perhaps suggesting that investors have turned to Bitcoin as a safe haven asset. “It’s Bitcoin’s moment to shine when people momentarily give up on the government or the banking system,” Held added. But the Bitcoin rally didn’t end when the markets were plunging. The currency continued to climb early Tuesday even as the major indexes did well, and it held steady for much of the day. That could have been because Monday’s Bitcoin trading frenzy spurred additional investor interest, said James Putra, head of product strategy at brokerage firm TradeStation Crypto. “When the market started to rise, it drew more people in,” Putra said. “Larger players started to take bites out of the marketplace; it’s a common and familiar approach.” Still, Bitcoin has been here before. It hit $20,000 in December 2017 before crashing the next year. Some experts called the downturn a correction after a period of “speculative mania.” The currency also faced accusations of price manipulation: Two academics at the University of Texas at Austin studied the possibility that Bitcoin had been manipulated and said they found evidence that it had been during its massive 2017 run-up. The shadow of price manipulation continues to loom over Bitcoin. “Manipulation could very well be behind the recent market moves. To act like Bitcoin and cryptocurrency prices are purely driven by supply and demand of little traders ignores the specific mechanics of this marketplace,” said John Griffin, a finance professor at the University of Texas at Austin and one-half of the duo that penned the paper on price manipulation last year. “It would not be a stretch nor surprising to find that manipulative activity is behind the recent run-up when the underlying market mechanics are similar to before,” Griffin added. Griffin isn’t the only one with that suspicion. “I don’t think anyone knows what this is due to,” said Tim Massad, former chairman of the US Commodity Futures Trading Commission, speaking about the latest rally. “But you worry that manipulation could be a contributing factor given the lack of regulation and transparency in this market compared to other markets.” Massad said he lauded the Securities and Exchange Commission for stepping up oversight of cryptocurrency, but added that “you still have gaps in regulation.” Another, simpler explanation for the price rise: It’s Blockchain Week, an unofficial holiday for Bitcoin. The event, also called Consensus 2019, draws in more buyers for Bitcoin and other major currencies, according to Lennon Sweeting, the director and head trader of Coinsquare, a Canadian cryptocurrency trading platform. There’s also the fact that Bitcoin and blockchain — the underlying technology that acts as a public ledger — have steadily become more mainstream. JPMorgan Chase (JPM), the nation’s largest bank, announced a new digital coin earlier this year. JPMorgan and Microsoft (MSFT) recently announced plans to partner and expand on blockchain platforms. And ICE (ICE), the owner of the NYSE, launched a futures exchange for Bitcoin and other cryptos. All of that could make the digital currency and its technology appear more credible to investors. And it gives Bitcoin’s backers a reason to remain optimistic. “The $10,000 mark remains firmly in sight over the coming months,” said Vaibhav Kadikar, founder and CEO of a decentralized prediction market platform, CloseCross. “And the possibility of surpassing the previous high in the coming half year still remains.” Read more at CNN.com
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7 key B2B growth trends and tips for 2022

As a business owner, you must understand that while your business is not growing, the business of your competitors is still flourishing, which means that sooner or later you will be pushed out of the market and lose the game. This is obvious, but what is often unclear it’s the strategies you should choose to ensure further business growth. Here, we want to share with you 7 key B2B growth trends and tips for 2022 so that you could prepare in advance. Digital transformation We bet that you are familiar with this situation: scattered teams messed ordering and accounting processes, constant interruptions in delivery and inventory. Maybe it’s time to streamline the processes and procedures in your company? We are living in a world of a full-blown digital revolution, and there are many ways to take over disruptive technology and rapidly grow! These are just a few benefits of digital transformation for businesses: increased efficiency; improved transparency; better cost savings; enhanced customer experience; higher employee engagement and better culture; better flexibility; revised supply chain management; improved operating model; strong competitive advantages; stable revenue growth. Of course, it is very difficult to provide a complete digital transformation with no experience. You can try dozens of different approaches and software tools, spend a lot of money and still miss your goal. Therefore, companies seek help from professionals. Outsourcing digital business transformation allows you to focus on core business tasks, while these specialists implement new systems as efficiently as possible and at a lower cost, coaching your company’s employees. There are many such companies, and some of them offer advanced solutions for your business. For example, Salesborgs.ai can help your staff master the modern RevOps methods and platforms, and realize their potential to hyper-scale. The company offers several interesting features: Technology Quotient Training that allows you to leverage modern tech stacks and become able to 100x their output and hit every possible target. The TQ training program creates a brand-new level of sales proficiency for your salespeople, allowing them to master RevOps and the fundamentals of modern digital selling and helping them to learn how to outperform their peers 20 to 1. The Superhuman Scaling Sales Systems approach helps you to unlock the flywheel to blitz scale and dominate the market you’re in. It allows your quota-carrying and revenue-generating teams to perfectly master their tech stacks, build-out intent-based targeting, and automate all aspects of the funnel. Customized Methodology Build-out approach allows you to customize your methodology and process, nurture and strengthen your exceptional competitive advantage, and unlock a 3-5x pipeline with a truly disruptive selling motion. Artificial Intelligence (AI) Artificial Intelligence, one of the key marketing trends in 2022, provides tons of benefits for businesses, such as gaining competitive advantages and improving efficiency by unlocking the value of their data, scaling content for more diverse reach, and providing a better understanding of customers, as well as how to engage them better. Data analysis helps in the promotion of B2B marketing, and automation of operations can significantly increase productivity. AI allows businesses to: use product recommendations to boost revenue; use chatbots to enhance customer service; сreate perfect сontent marketing strategies; leverage sentiment analysis to get a better understanding of customers; benefit from using dominant competitive intelligence; grow business with accurate sales forecasts; optimize prices and more. Security & privacy Leading CMO Council experts found out that in 2022 data security, privacy and accountability are becoming critical factors that build tomorrow’s digital shoppers’ trust. But studies show that only half of existing B2B companies can fully meet these requirements. If you want people to entrust you with personal data (name, surname, email address, phone number, etc.), you must prove to them that this data is safe at the moment when they’re signing in to your website and that it will be safe in the future. Here are some tips on how to do it: implement a modern GDPR-ready CRM; use an HTTPS certificate on your website; delete all personal contact information that you do not need; appoint a data protection officer in your company and make sure that you strictly comply with the GDPR regulations. Customer retention New customers are the thing that every business wants. However, there is one more important thing that you should never forget about: it is your long-term customer retention strategy. By building relationships with them, you are building the foundation of your reputation. According to Harvard research, 5% customer retention can increase your bottom line by 95%! This is a great form of marketing that will be an especially effective choice for companies on a tight budget. Treat your existing customers with special attention, because they have already trusted you, bought your product, and selling them something again is always easier and faster than making a deal with a stranger. Here are some tips on how to improve your customer retention: establish clear and open lines of communication; provide the highest-quality service and support to these customers, consult them on time and provide clear explanations; gain feedback, conduct polls to see what you need to improve; appreciate their loyalty; think about special offers, coupons, discounts, etc. Virtual & Augmented Reality Both companies and customers benefit from using Augmented Reality, and augmented shopping experiences are at their peak of popularity. AR and VR help consumers find the right product and allow them to try products before buying them. Using innovative technology, companies can: design new products; improve your sales and brand presentations and product demonstrations; identify efficiency improvements within your business operations; market company; train employees; increase engagement and interaction; provide a richer user experience; increase the perceived value of products and brands; cut costs, as it is an inexpensive alternative to other media platforms; gain access to detailed analytics enabling them to truly understand their audience. Nowadays, augmented reality is available to businesses of all sizes, even without the need to design an application. Micro-influencers In the B2B buying cycle, an influencer is a person that your customers >>Read more
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What is CBD? Some important concepts that you should know

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