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Tips to Think About When Buying Sunglasses for Women Online

In addition to the reciprocal effects to style, buying sunglasses for women would have additional benefits on you if you are a woman. If you need to protect your eyes against damage by ultraviolet rays, you should consider buying sunglasses. Buying sunglasses can prove beneficial if you want to prevent conditions such as cataracts and skin cancer around the eyes. You should note that sunglasses are beneficial because you would be able to enjoy multiple views without any elemental interference to the eyes. As a client, you need to note that sunglasses are essential if you want to prevent eye-related migraines and headaches. Before buying your sunglasses you can consult your optician for the most effective and safest sunglasses. You should think about the following factors if you want to buy sunglasses for women online.

The first factor that you should consider when buying sunglasses for women for women online is the size of the glasses. Whenever you are buying sunglasses for women online, you should consider larger structures became they should cover a large area of your face. The sunglasses with large frames would thus offer maximum protection for your skin and eyes. When buying sunglasses for women online, you should consider the ones with wraparound lenses because they would block rays from the sides. Whenever you want to buy sunglasses for women online, you should consider the size that correctly fits your eyes. Ensure that you buy sunglasses for women that would make you satisfied by choosing the right size.

The other factor to consider when buying sunglasses for women online is the color of the lenses. The personal taste can influence the choice of color you want for your glasses Different shades of colors have a specific wavelength of the rays they can protect the eyes against. The color of the eyes that different women have should impact how the rays get absorbed by the sun, and therefore you should pick the shade that best suits them. This makes them appreciate the darker to lighter sunglasses tints.

The sunglasses that you are buying online for women has to be the best quality sunglasses for women. The sunglass that you want to purchase online should meet the essential requirement of protecting the eyes against most of the UV rays from the sun. It would be best if you research on the quality of the women’s sunglasses online before you purchase them. The quality of the sunglasses for women that you buy online should make the eyes feel comfortable. If the quality of the sunglasses is not of acceptable standards the harmful UV rays from the sun will damage your eyes.

The factors that have been mentioned in this article should be considered before one buys the sunglasses for women online.

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Ayurveda Postpartum Diet: Your Ultimate Guide

One of the most important steps you can take to enhance a successful postpartum recovery is embracing and follow an Ayurveda postpartum diet. With this diet, you can never go wrong. Remember that the postpartum period is really delicate and therefore you need to be keen and careful, especially on the foods that you will be eating. During the period, whatever you eat will not only affects your recovery but will determine the nutrition quality for your little one. In other words, your diet will affect your wellbeing as well as that of your little one. Having abundant milk for your little one should be a priority as well. You do not only want abundance but nutritious content that is easily digestible, right? This is because failure to check out these factors could lead to issues to you and your baby. They can have relentless pains such as baby colic, and you do not what the angel to underdo such pains, do you?

Today, many people haven’t given much attention to postpartum care and therefore, do not understand what is required of them. Even for the most health-conscious mothers, awareness of postpartum care is just not enough. For most of the mothers think that they can simply eat anything and take a salad and they will be sorted. Well, this is wrong. This means that there is a need for more awareness when it comes to taking an Ayurveda postpartum diet.

Strong digestion is such a requirement during the postpartum period. It enhances recovery and also ensures that your little one has access to digestible milk. This, however, will not just happen. It will require your effort. Digestion can be disrupted during birth since birthing can take away such a significant amount of energy from the mother. You will need a diet that will support the digestive system as it recovers. Frozen foods cannot assist you, but an Ayurveda postpartum diet will work the magic.

What foods can assist in promoting digestion and rejuvenation in the postpartum recovery period?

You can get sweet/sour/salty foods that help in building tissue and promoting rejuvenation.

You also need to focus on the soft, soupy and oily foods, they enhance the digestibility level

It is also important that you only take fresh foods into your body. Frozen and canned foods will never help and can impair or negatively affect digestion. It is thus vital that you focus on fresh foods to promoter postpartum recovery.

You should also try to focus on a vegetarian diet during the postpartum period. Foods like meat are not the best since they are not easy to digest. A vegetarian diet also enhances rejuvenation. Get comfortable with a vegetarian diet instead of focusing on foods such as chicken.

Also, focus on well-cooked food. Warm and well-cooked food is important and should be with extra water and oil. However, some foods, such as sweet fruits can be eaten raw.

You also need to focus on iron-rich foods.

As well, you need to learn about food combining as well as the healthy oils.

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Universal Banking – Answer For The Best Banking Design?

1.1 INTRODUCTION

In recent years, universal banking has been growing its popularity in Indonesia. Mandiri Bank, for example, has taken strategy to become Indonesia’s universal bank; this bank has also initiated to develop an integrated financial risk system in terms of sounding financial performance and increasing shareholder value. In Germany, and most developed countries in Europe, universal banks have initiated its operations since nineteen century. There is mounting evidence that in those countries, universal banks have taken an important part in the development of real sectors and the financial system. In those countries, the growing numbers of universal banking practices are really supported by the regulation of central of bank.

Despite, in The United States, they are strict to regulate universal banks by blocking commercial banks from engaging in securities and stock markets practices. They argued that the practice of universal banking might be harmful for the financial system. ((Boyd et.al, 1998) cited in Cheang, 2004) The “risk” might be the key reason why the central bank of The U.S is worried about the universal banking system. Since, if the central of bank allowed banks to adjust their operation to be universal banks, the relationship among, banks, financial and stock markets would be closer. Consequently, this would give an uncertainty to the banks condition and performance. For example, if there were a disaster in stock market, banks would get problems in their financial positions. Thus, they would tend to be insolvent.

In addition universal banks would also threaten the market share of other specialized institutions, because more customers would choose universal banks that offer more option to their investment. Hence, more specialized institutions are likely to be ruined in the U.S financial industry.

One majoring factor, which is triggering a bank to be universal bank, is to increase the profit by enlarging their market share. According to João A. C. Santos (1998) universal bank itself can be defined as the financial institution, which enlarges its service range in terms of offering a variety of financial products and services in one site. Thus, by operating universal banking, banks could get a greater opportunity to expand to another financial area, such as : financial securities, insurance, hedge funds and etc.

Although the trend of banks has recently tended to universal banks, it is undoubtedly true that universal banks would also face further risks because a wide range of financial services is strongly associated with increasing risks and escalating monitoring costs. These are the major concerns why banks have to implement more advance technology in terms of financial risk management. Moreover, the practices of universal banks would cause significant risks to economy’s payment system. Since, the operation of universal banks connects closely to the financial and stock markets that are very fluctuate in a short term.

To win in the tight competition among financial institutions, banks have to alter their maneuver to lead in the market. Universal bank could be the wise choice for the bank manager, because they can attract more customers with a wide range of services. Furthermore, by altering their operation to the universal banking system, banks would get benefits from the efficiency and economies of scale.

In order to understand about the universal banking practices, this paper would examine the exclusive matters, which related to the risks and benefits in a universal bank. Moreover, this paper would also focus the whole impact of this institution to the financial system and the economy as a whole.

1.2 PROFITS AND COSTS IN UNIVERSAL BANKING: IMPLICATIONS FOR INDIVIDUAL BANKS

General problem related to financial intermediation, include universal banks and another type of banks, is about asymmetric information . It is the main problem that causes costs to increase and influence the performance of financial institutions. In Universal banks, the problems that would increase are slightly different with specialized banks; they are similar in that they should cope the risks problem associated with their financial position. Although, in universal banks, the risks are more bigger due to the wide range of financial instruments that they organized. Therefore, banks have to increase their spending on monitoring costs that are more complicated than specialized institutions or conventional banks.

Possible answer why more banks sacrifice to the escalating risks and transform it operation into the universal banking is that they want to compete and expand their market share, in order to seek a greater opportunity profits by serving more choices to their customers. Many banks has experienced a great performance after they alter their operation, the main concerns are that they could reach better economies of scale which can reduce the amount of spending in operational costs and also a greater opportunity to get more profits. The research finding which was conducted by Vender, R. (2002, cited in Cheang, 2004) about the efficiency of revenue in financial conglomerates and the level of both profit and cost in universal banking, has proved that both financial conglomerates and universal banking contain good performance in several indicators of bank profitability. His finding also suggests that the sustained expansion of financial conglomerates and universal banking practices may increase efficiency in the financial system.

This opinion is strengthen by another experts, like : George Rich and Christian Walter (1993). They state that universal banks which posse benefits over specialized institutions, are able to take advantage of reduction in the average cost of production and scope in banking. It is essential for banks that operate on a international level and in order to fulfill customer needs with a variety of financial services. They also mention a classic example how universal banks in some countries, such as : Switzerland, Germany and more European countries has experienced benefits by operating universal banking. In addition, they also state that the fear if universal bank would threaten specialized institutions has not proven. In Switzerland and Germany, for example, specialized institutions could achieve a better improvement in terms of cooperating with big banks. Universal banks are one of potential market channel which can sell their products directly to the customers, so specialized institutions also get additional return due to the increases in the number of universal banks. Therefore, this proves that universal banks do not threat other institutions; in fact, they support specialized institutions to market their products.

According to Fohlin, universal banking would lead to a bank’s concentration due to the increases the number of branch. Based on Germany’s experience, such branching-based expansion has led to the efficiency in banking because it could increase economies of scale in advertising and marketing, and open an enormous opportunity to enhance diversification and steadiness for banks.

A universal bank has unique position to tackle asymmetric information. As stated by Joao A. C. Santos (1998), that a universal bank has potential benefits on the reduction of agency cost and acquires profits due to information advantages. Although in other sides, universal banking also face problems related to the cost, conflict of interest and safety and soundness. But the default risk, which is generally happened in financial intermediation, would decrease substantially because universal banks are easier to control over their customers. Most of lenders in universal banks are their customers, so they can understand about the capacity of the customers from the information that they gather.

Nicholas Cheang (2004) also points out how universal banks could reduce a crucial problem in financial institution, asymmetric information. He argued that they could preserve a close relationship with their borrowers, by gathering more relevant information to make an important decision for investment. Their advantageous positions also vital to optimize the distribution of fund allocation, because banks have already known which investment that would give more margins to them. So, they don’t need to worry too much about the risk.

1.3 UNIVERSAL BANKS AND THE STABILITY IN THE FINANCIAL SYSTEM

Financial institution plays a vital role in terms of mobilizing funds in the economy. Consequently, stability in financial system is really important to manage by government in order to prevent wider implications to the real sectors. Financial disasters which happened in most countries in Asia in 1997 are the classic examples how importance to save banks to recover the economy.

As the financial supermarkets, which are handling a variety of financial instruments, they must face a greater risk than specialized institutions. As a consequence, this institution needs to be monitored closely in order to prevent more implications to the economy. According to Benston (1994), the escalating risks in universal banking would lead to a great problem because it can cause generous distress in the financial system. Hence, it will greatly increase the risk to the economy’s payment system. In another term, Rime and Strioh (2001) who examine the financial system in Switzerland in which universal banking are becoming more important in this country, state that difficulty in monitoring large universal banks is a major concern. This is the reason why universal bank has to spend more money in monitoring cost and develop an advanced system in information technology. In other words, it could say that the consequence of inefficient monitoring could lead to financial instability. (Cheang, 2004)

A wider range of universal banks in financial system makes the fund channels of banks to the customer are larger than specialized institutions. So, the economy will improve because universal banks will support more funding. This can be seen by the fact that a universal bank practice in Germany has triggered the progress of some enterprises performance in this country. (Stiglitz, 1985). It is understandable that when the allocation of fund can distribute widely and effectively to the potential enterprises, the economy will improve. In this context, universal banks have played as the key institution which mobilize fund to the potential lender.

Edwards (1996), has also proved that a universal bank is not just significantly contributed to economy from the external funds that they provide, but also from the improvement of the information flows. (cited in Cheang, 2004) Therefore, this proves that universal banks have played a significant role in terms of reducing the default risk by providing important information about the lender or customers. Furthermore, the safety of the financial system would be improved by the existence of universal banks.

1.4 CONCLUSION

The development of universal banks has to in line with the policy direction of central bank, because it is important to keep the stability of financial system and the economy as whole. There are three important areas that must be concerned related to universal bank operations, such as : the strengthened of capital and advanced risk management system. Consequently, in order to manage universal bank, people need to be aware about the unique of the risk type in universal banking. Furthermore, policy maker must also consider about the implication of universal banks in financial system.

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