Why Shopping Can Be Great For Your Wellness


When your better half states it mores than, your very first impulse could be to look for convenience in a pint of ice cream or a rigid drink. However there are healthier means of taking care of a broken heart– including purchasing.

In a current study by TNS International in support of Ebates.com, around 52 percent of respondents said they’ve taken part in “shopping,” the act of purchasing and costs to enhance one’s mood. Both males and females confessed they have actually opened their wallets when feeling blue. However, this kind of therapy can put your finances in jeopardy if it’s the only means you could temper your state of mind, or if you really feel guilty regarding your investing habits and don’t go shopping in small amounts.

When you’re sad, you see the world differently, states Scott Rick, a professor of advertising and marketing at the College of Michigan whose research study focuses on the psychological causes as well as effects of financial decision-making. Rick states individuals that are distressed often believe they reside in an environment that runs out their control. One way to recover control, he says, is by choosing about exactly what to buy.  For example, if you are into jewelries, you might buy jewelries up to the point where you are going broke. Which you should not do. Maybe you can just buy when you are celebrating something or when there is an online jewelry auctions or something like that.

Choices can be between material items (a set of shorts versus pants) or just what to take in (a healthy smoothie versus a milkshake). Studies show window shopping is less reliable for feelings like aggression, however Rick claims purchases– economical or expensive– can aid alleviate mild depression.

Regardless of its benefits, shopping is shunned by lots of customers. “I assume it’s out of favor these days to claim you purchase satisfaction due to the fact that we’re supposed to be in some stoic state in this post-recession economy,” says Package Yarrow, a teacher of psychology at Golden Entrance University in San Francisco who examines customer fads as well as actions. “I assume purchasing works as a healthy function for a great deal of individuals. If it benefits you, you ought to not feel guilty. Do it, appreciate it and don’t overdo it.”

April Lane Benson, writer of “I Store, For that reason I Am: Compulsive Buying as well as the Look For Self,” says consumers should understand their purchasing habits. Although retail therapy could have positive impacts, she states it can easily evolve right into an investing problem. “We look to pleasure principle when we feel troubled,” Benson says.

Yet occasionally a quick pick-me-up is essential. Margaret Meloy, a teacher of advertising at Pennsylvania State University and also co-author of the 2011 study “Shopping: a critical effort to improve state of mind,” says individuals need to diffuse adverse feelings before they aggravate, or they could blow up of their purchasing actions as well as act carelessly with cash. Such untreated depression or frustration can push people to spending extremes.

A crucial distinction between healthy and also compulsive shoppers is that uncontrollable purchasers frequently experience sorrow when they get house as well as see just what they got, Meloy states. At the same time, consumers that utilize window shopping decently do not regret their acquisitions. “There isn’t this sort of higher and after that downward spiral as there normally is with compulsive shoppers,” Meloy states.

People who use shopping suitably are not only happier but might also be more confident, do far better at the workplace and share themselves extra artistically, according to Yarrow.

Yarrow states when customers shop with purpose, making use of a checklist (created or mental) of things they need, their acquisitions could make them really feel extra equipped to manage certain situations. An archetype: pairs with an infant on the way. “A great deal of them just freak out at the shopping center, however they’re in fact imaging themselves as parents,” Yarrow states. “When people envision their new life with the procedure of purchasing, they really feel a lot more in control and more prepared.”

Likewise, getting a brand-new job closet could improve your self-confidence as well as potentially enhance or compromise your job efficiency. A research study in 2015 by researchers at Northwestern University located participants who used white physician’s layers carried out much better compared to participants in common garments on tests of attentiveness and concentration (attributes relates to seasoned doctors). Thus, some workers execute differently on informal Fridays; people that wear sweatpants to the workplace as opposed to a fit, for instance, might be extra lackadaisical with their obligations compared to they get on recentlies of the week, according to Yarrow.

Yarrow states window shopping can additionally be a creative outlet. A musician, as an example, may get a kick out of selecting between two colors of paint. “Everything relies on how the person makes use of the acquisition and exactly what it implies to them,” Yarrow says.

Compulsive buying expert Benson advises shopping for significant reasons rather than product products: “Look for a pastime. Store to deepen a connection. Buy a place to offer your time.”

There are, of course, other healthy options to window shopping. Rick of the University of Michigan states, “If you could dust off a decision you have actually been waiting on in the house– how you can reorganize your bookshelf or where to plant that brand-new flower in the yard– I assume it would certainly have similar positive effects.”

However, shopping can be an efficient way of lifting your spirits. It could also have lasting advantages. “I have a battered briefcase I got years earlier,” Yarrow states. “It looks terrible, yet I have actually been utilizing it so long. I still treasure it, due to the fact that in my mind it noted my change from child to expert.”

Tips on Designing Your Patios

A patio is typically a focal or main part of the yard. An expertly made patio can be a fantastic possession and also give a beautiful yet practical area from which to enjoy the surrounding area.

As landscape developers (and also hence, usually, outdoor patio designers!), we regularly suggest customers on some of the choices and also decisions to be made when developing a brand-new outdoor patio. We have actually gathered a few of the essential locations to consider below. Adding an umbrella to the patio can also enhance their aesthetic value, if you’re around Brisbane, you can get Brisbane Outdoor umbrellas at the website linked.

Purpose & Size

What is the new patio for? This could appear a noticeable first consideration, but it’s one that often gets failed to remember in the excitement of choosing materials and also furniture!

Is it to be just a cosy location for two individuals, a family members consuming as well as celebration area, or an ‘outside room’ for dinner events and also enjoyable?

The answer to this inquiry must assist determine the dimension of the patio area– it should be huge enough!

As a rule of thumb, 3m x 3m is a reasonable size for a common patio area with a table huge enough for 4 or perhaps even 6 individuals. You can get away with smaller sized if there are much less people, or if the furniture is dainty.

You may additionally be able to maintain the outdoor patio to a small dimension if you can overspill into the yard. For this reason, beware of totally enclosing the patio with boundaries or walls and elevated beds. If you want to add some designs to it, adding Awnings would be nice. If you want to add some awnings to your Patio, you can check out of the best Awnings supplier, Boss Shade Awnings.

Placement & Privacy

Does it have to go alongside your home? The location adjacent your house is typically the most practical location for a patio– it makes life a whole lot much easier when it pertains to moving food and drink to as well as from the kitchen area. It also conserves you & your family/friends/guests shuffling across (potentially damp) grass.

But provide some thought as to whether this is your best choice, or whether there is scope for locating the patio area in other places. Commonly the location adjacent the house might not have the most effective aspect; keep in mind a patio is generally someplace for sitting/eating/socialising– so you want to be in the most effective setting to sit back and kick back in your surroundings! A well thought out patio area design could constantly consist of a weather-proof method to access the patio which integrates perfectly right into the yard in its entirety. Adding Awnings will really add up to the privary problem, as mentioned above, if you are in the Brisbane area, you can get Awnings from http://www.bossshade.com.au.

One more consideration– is privacy a problem? This will certainly really a lot contribute to your choice on the setting of the outdoor patio– you may choose to situate the outdoor patio away from the house for this factor if so. Or if that’s not feasible, consider means of making the patio more private– a trellis, pergola (see next section), as well as or program, plants. Our earlier short article on testing plants and suggestions for constrained rooms might be of passion below.

If you do make a decision to situate your patio adjacent the house, it’s commonly rather good to have an extra, smaller patio area and/or seats areas around the garden– the latter demand only be large sufficient to house a chair or bench!

Most of our customers want to have someplace (west encountering) to being in the sun on a summertime’s evening– be it for a dish or simply a peaceful beverage at the end of the functioning day (the ‘gin as well as tonic seat’). You might also want someplace to take pleasure in morning meal or an early morning coffee.

Having a number of various areas to being in the yard will certainly often mean that the yard is better used, and also gives garden developers like ourselves with a chance to introduce even more flow and also exploration right into the yard. Visualize straying around the garden with a cup of coffee or glass of wine in hand from one seat or location of passion to an additional …

To Pergola or Not to Pergola, that is the question

Including some type of pergola on or at the edge of the outdoor patio could be valuable in terms of offering color. It can additionally help provide personal privacy where necessary, as well as is a way of softening the location with growing at height.

A pergola is likewise an unobtrusive means to incorporate down-lighting– specifically vital if you are intending to eat outside a great deal if you’re planning to dine al-fresco.

A word of caution– pergolas require cautious preparation to guarantee that the posts are sited suitably as well as don’t hinder of your patio area table as well as chairs. This is particularly important for tiny outdoor patio areas, as they can conveniently gobble up beneficial room!

If you have already decided the design of patio you want, and decided to add some Awnings into it, you can check out the Facebook Page of Boss Shade. At Boss Shade they have endeavoured to make life a little easier by giving you all the information you need about your next outdoor shade.

Office Design Ideas that Can Make Employees Productive

Where you work has an enormous impact on how you work – on your ability to focus (and stay focused) and your overall ability to be productive. That means the design of your office, whether you work at home or in a larger company environment, is of supreme importance. This isn’t just about Feng Shui, this is about producing results and getting things done.

According to studies done on workplace and productivity, the most significant factor in determining an employee’s ability to focus is their physical environment. In fact, it’s been said that a well-designed office can increase your productivity about 20%. However, despite the studies and statistics, nearly half of the employers interviewed don’t consider workplace design a good business investment.

So what is a productivity hack to do? What if you work in an environment that doesn’t promote focus?

Check these 15 factors and make changes where you can. A little adjustment can produce a lot of impact.


Lighting is one of the most important factors in staying focused and feeling inspired to create, yet it’s one of the most overlooked and least invested in. Bad lighting can cause fatigue, eyestrain, headaches and overall irritability. Dark spaces can actually produce depression.

If you work in a company office:
You probably have no control over your general lighting so bring in your own, if need be. Consider using natural light bulbs or a light therapy device.

If you work from a home office:
Open the windows and doors and let natural light in. Using lamps in a variety of areas for cloudy days or when it’s dark.

Chair and Table

If you’ve ever sat at a desk to do work but found yourself adjusting, stretching and moving too often to actually stay focused, then you’re aware of the importance of having a correctly fitted table and chair. In today’s work environment where so many of us are sitting for most of our day, it is critical that your throne fits your body probably.

Consider these quick ergonomic checks:

  • Eyes 24-36 inches from the computer screen. The top of the monitor should be below or at eye-level.
  • Feet should be on a foot rest or resting on the floor.
  • A slightly reclined chair posture is best to reduce pressure on your spine and minimize lower back pain.

If you work in a company office:
Ask for an adjustable chair. Add pillows for your lower back or bum, if you need it. Many companies will also provide risers for computers to adjust the height of your computer screen (and a separate keyboard to keep your hands and wrists in the ideal position)

If you work from a home office:
Invest in a decent chair or at least use a few pillows to make the chair more comfortable. If the table is too high, add pillows to your chair. If it is too low, consider buying leg risers from your local hardware store and using books beneath your computer to raise the screen. Use a separate keyboard.


Your mama was right, it’s important to clean up your room. Clutter may help the creative mind create, but it isn’t necessarily helpful for focus and productivity.

If you work from a company office: While you can’t control the cleanliness of the office at large, do keep your own environment around you clean. Spend 10 minutes every morning or evening making sure things are put away, filed, organized and generally out of sight so you’re not distracted by it later.

If you work from a home office: Because you work from home, the entire house or apartment is potential for distraction. If you can afford it, hire a professional cleaning service to keep your home clean. If not, schedule a specific day and time to clean your home. Commit to doing daily pickup at a specific time. And spend at least 10 minutes every day making sure your office  is organized and tidy.

Room Color

The colors around us all have an effect on our moods and brain function. It evokes both a physical and emotional response. So choosing the right colors for your work space has the ability to affect your productivity. For instance, blue has been said to illicit productivity. Mind you, too much of anything can be overwhelming, even color.

If you work from a company office: Bring in items from home that are a certain color that inspire you and keep you focused. Use postcards, magazine cutouts, even just blocks of color will do.

If you work from a home office: If you work from home, you have much more control over the colors around you. Consider repainting a wall, adding color to the table you work at, or hanging pictures that are dominated by a specific color.

Room Temperature

Most offices keep their temperatures around 65-68 Fahrenheit but it turns out that this might not be good for productivity. Warmer rooms actually make people more productive.

If you work from a company office: Most offices are regulated by somebody else, so bring a space heater, sweaters and blankets to your work space.

If you work from a home office: Depending on the season, open the windows or adjust the heat or a/c so that you’re more comfortable and warm. Pile on the sweaters in the winter or add a space heater to your feet.

Room Scents

Like the color of the space you work in, our sense of smell can powerfully affect our mood, mindset and thus our productivity. Consider adding scents to your work space to jar your mind into focus when you start to notice yourself drifting off.

Try using these scents to stay focused:

  • Pine – Increases alertness
  • Cinnamon – Improves focus
  • Lavender – Helps to relax you during a stressful work day
  • Peppermint – Lifts your mood
  • Citrus (any) – Wakes you up  and lifts your spirits

If you work from a company office: Most people will not appreciate added scents to their work environment so you’ll need to keep it subtle. Keep essential oils in your bag or drawer and when you’re in need of a boost put a few drops on a handkerchief or cotton ball.

If you work from a home office: Use candles, incense or essential oils. You can also simmer herbs and spices in the kitchen to fill your home with a warm scent.

Noise Level

The noise level in a work environment can vary greatly depending on the size of the team you work with, the office design and company culture. But make no mistake, the noise around you affects your ability to stay on task. Not only can it be distracting, it can also raise stress levels making your ability to sustain productivity far more difficult.

If you work from a company office: Bring in noise cancellation headphones and use music services like Spotify or Songza and choose concentration boosting sounds, like white noise.  Find out if your office offers quiet work spaces for times when you need the utmost focus.

If you work from a home office: Sometimes the complete quiet can be as distracting as an office. Use a service like Coffivity to mimic the noise of a coffee shop, which has been said to help with concentration.

Air Quality

Air quality can drastically affect our ability to focus and think clearly. Get this: OSHA estimates that the total annual cost of poor air quality in office environments costs employers $15 billion “due to worker inefficiency and sick leave.” Yeah, it’s serious business.

If you work from a company office: Talk to them about installing air filters. If there is a way to bring in fresh air through windows or doors, arrange to have them opened for at least a portion of the day. If nothing else, get a personal air filter to have on your desk or nearby.

Also, get a plant (or better yet, have the company buy and use more plants in the office!). Plants are great at filtering the air and providing clean, purified oxygen.

If you work from a home office: Open windows and doors and let in the fresh air. Install an air filter or get a portable air filter to keep near your desk. And, yes, you too should get a plant.

Different Spaces

If you can manage it, give yourself more than one space to work from. Putting yourself in a new space with different qualities and things to look at quite literally shifts your brain and helps you stay focused.

If you work from a company office: Many offices offer a variety of environments to work from: your personal space, lobbies, break out rooms, conference rooms, kitchens and eating areas and, if you’re lucky, they also provide lounge areas. Use all these spaces to vary your routine. Make sure your supervisor knows so they don’t think you’re slacking off and know tat you’re actually getting more done!

If you work from a home office: If you work at a desk, add a comfortable couch or chair to the room. If your space is less flexible or ultra tiny, think about more creative ways to change your work space. Rotate the pictures on your walls every couple of days. Sit on the other side of your desk. Get a lamp and multiple colored bulbs. Or go work at a café, the library or in a park.

Organization of People

Most employers organize employees around job function or in specific divisions. Instead, studies show that people are more creative and productive when they are sitting with colleagues that share the same goal or client. Not only are you able to get answers and generate solutions quicker, but because you’re directly accountable to the people around you, you’re more likely to stay on task and productive.

If you work from a company office: Ask your employer if you can experiment by clustering your group together in a conference room for a day or a week. Get feedback from everybody involved. Show the results. If your company won’t make permanent adjustments, perhaps they’ll allow you to work together a couple times a week when the conference room or lounge area is free.

If you work from a home office: This is a little bit more difficult because when you work at home you’re not with colleagues. You can recreate a similar space digitally, however. Create a Skype group and have everyone logged in during working hours. You can do morning accountability and check-ins while remaining available for questions, solution-finding and general banter that promotes creativity.

Idea Storage

Ever been working hard when you’re suddenly distracted by a great idea? At first you try to push it away, but then the next thing you know you’re 20 pages deep into an online search on the topic. Ideas should be encouraged and cultivated, but when they come right in the middle of another task it can be incredibly distracting. Instead, create a place to store your ideas that’s easily accessed from your work space.

For both a company and home office: Keep pads of paper around, have a chalk wall, get a white board – when you have a spark of inspiration write it down right away to get it out of your head then return to the task at hand. Then, at the end of the day or when you have free time, collect all the ideas and review them. With a little time and space you can better decide if it’s worth pursuing or better to leave it on the back-burner.


Our brain needs nourishment to keep going, especially when we’re driving hard and staying focused. You can let a rumbling stomach go on for only so long before the brain shuts down. Assuming your different is like wanting your car to keep driving without having to stop and fill it with gas. A novel idea, but not realistic.

If you work from a company office: Pre-make snacks for the day and/or week. Or, bring in prepackaged snacks. Keep in mind that junk food has properties of diminishing returns so if you’re buying your food prepackaged think nuts, fruit, unsweetened yogurts, and hummus and crackers. Likely, your company provides coffee, tea and water so you don’t have to worry about supplying that for yourself.

If you work from a home office: If you work from home, this can be a key distraction. Try to reduce the number of times you walk into the kitchen each day. To do this, keep quick and   easy snacks pre-made or prepackaged ready and near your desk. Keep a water bottle nearby. And consider bringing a kettle into your office and stocking tea and coffee so you’re   not tempted to wander around the house and lose time poking through the pantry.

Bring in Nature

We are biological creatures, first and foremost. So we are deeply affected by our access to (or lack of) the natural world. It’s important for our psychological and physiological functioning, which directly affects our ability to be productive.

If you work from a company office: If you don’t have windows in or near your work space, bring in pictures of the outdoor world. Keep a picture of something natural as your screensaver and/or desktop wallpaper. Take walks outdoors at lunch or in between major tasks. Just a few minutes outside in the fresh air and sunshine can boost our mood and shake out the doldrums. Be sure to add a plant to your desk, too!

If you work from a home office: Keep the shades open and, if you can, let in fresh air. If you can’t see anything natural out of your window, keep pictures of the natural world as your screensaver and/or desktop wallpaper. Take walks. Or, just step outside and put your feet on the ground. Put plants in your office – research shows that having live plants in your office makes you more productive, happier and less stressed.

For more design ideas, visit DecorativeScreenings.com.au website. They offer a wide variety of home and office improvement service like green walls, custom privacy screens, decorative screens for your offices and even at home. They even do outdoor screens.

10 Effective Ways to Improve your Health in 2017

A new year is on the horizon and many of us use this marker as a sign we need to step things up and get healthy. There are many areas to focus on to overcome your areas of weakness for the year ahead.

You can achieve anything once you set your mind to it. Here  are 10 great ways on how you can improve your health in 2017. Make this year, a year to remember.

1. Get More Exercise

There’s no escaping the research, we would all do better to take more exercise. However, that doesn’t mean you should lace up your trainers unless running is something you love.

Exercise does us far more good if we stick at it for the long haul, therefore choose an exercise you enjoy: whether that’s a team sport; swimming; dance class; yoga; or even walking. If you haven’t exercised for a while it’s wise to start gradually and that’s why walking is a great choice, as it can be built naturally into your day.

Dr. Cesar Lara, MD. of the leading weight loss clinic in Tampa, Florida strongly suggest that nothing can beat constant exercise in helping your body stay in shape and strong.

2. Reduce Stress

Stress is a killer and one way you can make your 2017 healthier, as well as happier, is to find strategies to alleviate the negative impact of stress on your life. Mindfulness and meditation are great ways to combat your individual stress triggers.

3. Connect More

While you unplug, take the time to build connections in the real world. Meet with friends and family face to face and work on becoming part of a strong community as this can have a positive impact on wellbeing.

4. Quit Smoking

With over 5 million deaths globally per year from smoking and a further 600,000 from passive smoking it’s clear tobacco has to go. If you can’t quite bear to part with the psychological element of smoking and you have no wish to go cold turkey on nicotine, with the subsequent withdrawal symptoms that entails, then vaping might be the right choice for you.

There a wide range of e-liquid flavours to accommodate to your taste as well. Furthermore, there are informative beginners’ guides to eliquids available which are extremely useful in your battle to quitting smoking.

5. Eat Better

Rather than starting a drastic diet that will have you reaching for the biscuits half way through the second day why not crowd out the bad with the good? Adding more lean protein, good fats, vegetables, fruits and the occasional treat to the menu can help make great nutrition a new habit.

6. Look After Your Brain

The leading cause of death in the UK is now dementia, so the more active you can keep your brain the better. Learning a second language has been shown to delay the onset of Alzheimer’s disease.

7. Drink Less

Moderate drinking has health benefits but keep it within the weekly unit guidelines if you want to avoid many of the diseases linked with alcohol consumption. Ensuring you have several alcohol free days per week is also helpful.

8. Take Technology Breaks

Social media and the online world bring with them many advantages but it’s also a good idea to unplug and unwind from time to time. If you want to sleep better then keep technology out of the

9. Stay Positive

Optimists have a longer lifespan than pessimists and they also usually have a better quality of life. Therefore, take time out from the doom and gloom of the media and try to look on the brighter side of life.

10. Don’t Set Unrealistic Resolutions

As the New Year rolls around, it’s always exciting to make new resolutions but slow and steady wins the race. Pick carefully what you will work on this year but always make health a priority.

Apple is said to be preparing its Amazon Echo killer — and it sounds like it could be expensive

Apple is preparing its first “home AI product” for a marketing launch as soon as this summer at its annual conference, KGI Securities analyst Ming-Chi Kuo said in a note sent to clients on Monday.

Kuo has a strong record of predicting Apple products as well as identifying trends in the Asian manufacturing industry.

The product is said to be a speaker that can connect to the internet. Users can talk to it using Siri, which means it will compete directly with Amazon’s Echo home speaker. Kuo wrote that the speaker will have one woofer, seven tweeters, and computing power similar to the iPhone 6 or 6S. All these premium parts makes Kuo believe the device will be priced higher than the Amazon Echo’s $179 price.

Kuo believes that Inventec, which also assembles AirPods for Apple, will be the contract manufacturer and has been “co-developing home AI products with Apple for over two years.”

From the note:

Shipments forecast. We predict Apple’s first home AI product will see cyclical shipments (around 12-18 months) of over 10-12mn units. Like Amazon Echo, more extended models could be launched going forward (e.g. we think W1 chip is very suitable for products similar to Amazon Echo Dot), so there may be further shipments growth potential.

amazon-echo-fullAmazon’s affordable Echo speaker.YouTube

Apple is better prepared than Amazon to launch a voice-activated speaker. Kuo points out that Siri supports 18 languages, whereas Amazon Echo can only be used in English. Apple also has a huge installed base of iPhones and Macs, which means it can collect data and continue to improve its user experience.

Ultimately, “the market for home AI products (supporting voice assistance and IoT functions) is growing too rapidly for Apple to ignore,” Kuo writes.

The Information first reported on Apple’s smart home speaker. Bloomberg reported in September that advanced microphone and speaker technology would be a key differentiator from Amazon and Google’s competing products. Kuo wrote that Goertek is likely providing an array microphone for the device.

Original Post Here.

Things Samsung Can Do that iPhone Can’t!

Samsung’s latest phone, the Galaxy S8, is packed with a lot of thoughtful features that you won’t find on the iPhone.

While the iPhone still has a slight edge over the Galaxy S8, there are plenty of things that set it apart from its biggest rival.

Here are the most important Galaxy S8 features you won’t get from the iPhone.

1. There’s an iris scanner that can be used to unlock the phone and access secure folders.

1. There's an iris scanner that can be used to unlock the phone and access secure folders.

Corey Protin

Samsung says it’s more secure than a fingerprint sensor. The iPhone only has a fingerprint sensor.

2. More screen. The S8 has a 5.8-inch screen. The S8+ has a 6.2-inch screen.

2. More screen. The S8 has a 5.8-inch screen. The S8+ has a 6.2-inch screen.

Antonio Villas-Boas/Business Insider

Compare that to the iPhone: The iPhone 7 has a 4.7-inch screen and the iPhone 7 Plus has a 5.5-inch screen.

3. You can charge the Galaxy S8 with a wireless charging pad. There’s also fast charging, which charges the S8 faster than normal.

3. You can charge the Galaxy S8 with a wireless charging pad. There's also fast charging, which charges the S8 faster than normal.

Antonio Villas-Boas/Business Insider

The iPhone does not have wireless charging. There’s also no fast-charging option.

4. You can plug in standard headphones thanks to the headphone jack.

4. You can plug in standard headphones thanks to the headphone jack.

Antonio Villas-Boas/Business Insider

Apple famously removed the standard headphone jack on the iPhone 7. You have to use a dongle if you want to plug in your regular wired headphones.

5. Samsung Pay can make payments on standard magnetic credit card readers.

5. Samsung Pay can make payments on standard magnetic credit card readers.

This is an older Samsung phone using Samsung Pay, but it works the same on the Galaxy S8.Antonio Villas-Boas/Tech Insider

You don’t need a special NFC pad like you do with Apple Pay.

6. The Galaxy S8 comes with its own virtual reality software, powered by Facebook’s Oculus.

6. The Galaxy S8 comes with its own virtual reality software, powered by Facebook's Oculus.

Antonio Villas-Boas/Business Insider

The iPhone can work with some VR headsets like Google Cardboard, but it doesn’t natively support VR and content is extremely limited.

7. The S8 has a heart rate sensor on the back.

7. The S8 has a heart rate sensor on the back.

Antonio Villas-Boas/Business Insider

Get your pulse on the go! You’ll have to buy an Apple Watch or another accessory if you want to measure your pulse using the iPhone.

8. You can attach the Galaxy S8 to a monitor, keyboard, and mouse with a special dock and run a desktop version of the smartphone’s operating system on a normal computer.

8. You can attach the Galaxy S8 to a monitor, keyboard, and mouse with a special dock and run a desktop version of the smartphone's operating system on a normal computer.

Business Insider/Antonio Villas-Boas

While features like this haven’t been proven, it could appeal to enterprises. You can only mirror your iPhone screen on an external display.

10. Samsung’s Galaxy S8 screen is more power-efficient and produces better colors.

10. Samsung's Galaxy S8 screen is more power-efficient and produces better colors.

Hollis Johnson

That’s because Samsung uses a screen technology called OLED. The iPhone still uses LCD, which doesn’t look as good as OLED.

Full Article here by Steve Kovach.


The retail apocalypse is accelerating

Mall traffic is sagging. Department store sales have been in decline since 2001. Most retailers are loaded up with debt. Many have been losing money. Now they’re running out of options. Store closings numbered in the thousands last year. This year they promise to get much worse. “Zombie malls” have become reality, their vast parking lots rented to car dealers to store their excess vehicle inventory.

But ecommerce sales are booming, including online sales by some brick-and-mortar retailers, such as Walmart and Macy’s:

wolf 1Wolf Street

Over-indebted retailers are notoriously difficult to restructure and many end up being liquidated. Unsecured creditors, such as suppliers and junior bond holders, are often left out in the cold. Even secured creditors can end up holding the bag.

April so far is huge for brick-and-mortar meltdown:

April 21 – Bebe Stores, a fashion retailer, announced, after four years of losses, that it would close all its 180 stores by the end of May and liquidate all merchandise and fixtures in the stores. It might also file for bankruptcy to get out of the store leases. It will only sell online.

Barely a month earlier, Bebe said it had hired a financial adviser to look at “strategic alternatives” and a real estate adviser “to assist with options related to its lease holdings,” at which point its shares plunged.

April 19 – Neiman Marcus, the luxury retailer with 42 stores around the country and two Bergdorf Goodman stores in Manhattan, announced that, in order to preserve cash, it would not pay interest on a bond issue in cash, but “in kind.” The payment-in-kind (PIK) option had been written into the bond covenant. At the time, creditors didn’t care. Now they’ll get the coupon on these $600 million in 8.75% notes for the next six months in form of more bonds of uncertain value. The already beaten-down notes traded at 56.7 cents on the dollar.

On March 3, sources told Reuters that Neiman Marcus has hired investment bank Lazard Ltd to help restructuring its nearly $5 billion in debt though it was, these sources insisted, in no immediate risk of bankruptcy.

The company was acquired by private equity firms in a leveraged buyout before the Financial Crisis and is now owned by Ares Management and the Canada Pension Plan Investment Board. They were going to dump it into the public’s lap, but the IPO was scrapped when the problems could no longer be hidden.

April 17 – Marsh Supermarkets was preparing to file for Bankruptcy, sources told the Wall Street Journal. Three weeks earlier, it stopped paying rent on six Indianapolis stores. Here too, there’s a private equity angle. Sun Capital Partners acquired Marsh in 2006 for $88 million in cash and the assumption of $237 million in debt. At the time it had 120 stores. Ten years of asset stripping later, the chain is down to 67 stores and going bankrupt.

April 11 – Arhaus, a furniture retailer that designs its own furniture and contracts out manufacturing, with 67 stores in 25 states, has appointed a “chief restructuring officer, two sources close to the situation said,” according to Debtwire. “This complements the co-advisory roles of Piper Jaffray and Candlewood Partners to explore a refinancing.”

In early March, Arhaus announced that CEO Adrian Mitchell, after just 13 months on the job, would be replaced by co-founder and Chairman John Reed. In 2014, private equity firm Freeman Spogli made a minority investment.

April 4 – Rue21, a teen apparel chain with over 1,000 stores, missed principal and interest payments on its debt and is preparing to file for bankruptcy as soon as this month, said “people familiar with the matter,” according to Debtwire.

Once again, there is a private equity angle: the company was acquired by PE firm Apax in 2013 for about $1 billion. Back in September 2013, problems were already piling up when JPMorgan, Bank of America, and Goldman Sachs had trouble selling the junk debt they pledged to sell to fund the buyout.

April 4 – Payless Inc., the discount shoe retailer with almost 22,000 employees and over 4,000 stores in 30 countries, filed for Chapter 11 bankruptcy. It plans to slash its debt in half. It said its restructuring plan has the support of creditors holding two-thirds of its first-lien and second-lien term debt. It said it would immediately shutter about 400 stores in the US and Puerto Rico. CEO W. Paul Jones blamed “the continued challenges of the retail environment, which will only intensify.”

Here too, a PE angle: Payless was acquired by PE firms Golden Gate Capital and Blum Capital Partners in 2012 when publicly traded Collective Brands was broken up.

And this is the March meltdown:

SearsA Sears store is seen on February 28, 2014 in Coral Gables, Florida.Joe Raedle/Getty Images

On March 20, Sears, the big whale that everyone is waiting for to wash up on the beach, came closer to washing up on the beach by acknowledging that it will likely wash up on the beach, when it said in its annual report that it had “substantial doubt” about its ability to keep operating as a “going concern.” It lost over $10 billion in recent years.

When will Sears finally file for bankruptcy? Not before the second half of 2017. That was our verdict in December, and we’re sticking to it. If it files before July 8, 2017, it might run afoul of the bankruptcy code’s two-year look-back period governing “fraudulent conveyance,” concerning what happened to Sears’ real estate.

On March 11, Gordmans Stores, with over 100 locations in 22 states, filed for Chapter 11 bankruptcy with plans to liquidate its inventory and assets. By the end of March, Stage Stores jumped in and offered to buy at least 50 of the stores.

Gordman’s is another PE firm asset-stripping special. It was acquired by PE firm Sun Capital in 2008 at the end of the leveraged buyout boom for an undisclosed price. In 2010, Sun Capital sold 30% of this shares in an IPO. Gordman’s got nothing. In 2012, Sun Capital sold more shares, slashing its ownership to 50%. In 2013, Sun Capital forced Gordman’s to issue a $70 million special dividend, of which Sun Capital got half. Of that dividend, $25 million came from cash holdings; $45 million was borrowed money. In total, Sun Capital obtained $140 million, likely exceeding the purchase price by good margin. And the party may not be over yet.

On March 10, Gander Mountain, after a failed expansion drive, filed for Chapter 11 bankruptcy. It will shutter 32 of its 160 stores. It had been taken private in 2010 by Gratco, a holding company controlled by Gander Chairman and CEO David Pratt, and Holiday Station stores, a gas-station retail operation.

On March 8, RadioShack, owned since 2015 by General Wireless, filed for bankruptcy for the second time. It will close about 200 stores and evaluate options on the remaining 1,300.

On March 6, hhgregg, an appliance and electronics retailer, filed for bankruptcy, after announcing a few days earlier that it would close 88 of its 220 stores, shutter three distribution centers, and shed 1,500 jobs.

On March 1: BCBG Max Azria filed for bankruptcy. The fashion retailer that once had more than 570 boutiques globally, including 175 in the US, started closing 120 of its stores in January.

The January and February meltdown:

  • Michigan Sporting Goods Distributors said it will liquidate its 68 stores and lay off its 1,300 workers.
  • Eastern Outfitters, the parent of Bob’s Stores and Eastern Mountain Sports, owned by PE firm Versa Capital, filed for bankruptcy.
  • Wet Seal filed for the second time in recent years. The teen retailer closed all its stores.
  • Limited stores, another victory for PE firm Sun Capital, shuttered all its 250 stores.
  • American Apparel, a manufacturer with 110 retail stores, which had filed for bankruptcy for the second time last November, said that it had started to lay off 2,400 workers and that everything would be shut down. Only the brand name was acquired by a Canadian firm.
  • InspirePOS Singapore, a pioneer cloud-based POS System provider, has just re-launched its new website.

Read the original article on Wolf Street. Copyright 2017.

The UK officially has a new best restaurant — and you can eat there from £18

The Clove Club

Shoreditch-based The Clove Club has officially been crowned the UK’s best restaurant.

The Michelin-starred London restaurant came in 26th in the World’s 50 Best Restaurant Awards, held in Melbourne on Wednesday, making it the highest-ranked restaurant in the UK.

It knocked The Ledbury off the UK top spot, which slipped from 14 to 27. Dinner by Heston was the only other UK restaurant to make the top 50, coming in at number 36.

The Clove Club offers a British Cuisine themed five-course tasting menu and an extended nine-course menu, as well as an a la carte offering. Menus change daily and are adjusted according to the season.

The five-course menu, which is available Monday to Thursday, will set you back £75 per person, while the nine-courser, available every night from Monday to Saturday, costs £110 a head. Wine pairing is available from £75.

However, a sample a la carte menu offers mains – like Pot Roast Cauliflower, Cinnamon, Bay Leaf & Toasted Bread Sauce – starting from £18, making a meal at The Clove Club more affordable.

The Clove Club started as a supper club from chef and owner Isaac McHale and partners Daniel Willis and Johnny Smith. Due to popular demand, a crowdfunding campaign helped it transition to a permanent restaurant.

The Clove Club 1

The Clove Club

A sample five-course tasting lunch menu includes the likes of Hay Smoked Dorset Char, Cornish Monkfish Cooked in Malted Barley Oil, Celeriac, Radish & Bacon, and Amalfi Lemonade & Kampot Pepper Ice Cream.

Scallops truff The Clove Club

The Clove ClubDishes featured in a sample a la carte menu include Two Little Pancakes of Lincolnshire Chicken & Long Pepper as a starter for £10.50 and Slow Cooked Fallow Pricket, Celeriac, Blackberry & Muscat Grapes as a main for £27.00.

TroutTart The Clove Club

The Clove ClubWant to make a booking? Evening diners are required to make a pre-payment via Tock, an online ticketing system, while lunch guests can just make a reservation.

Experience a flawless restaurant management with InspireFNB’s cloud-based restaurant point of sale system.

Original article can be found here.