Introduction 

CoPilot’s Return to Normal Index is the only index that tracks the used car market’s return to normal. The Index shows the differential between what an individual used car would have been worth today if not for the extraordinary dynamics of the past two years, versus how much it is actually worth now – and tracks this differential over time. In doing so, the Index provides the only real-time barometer of which vehicle types offer the best value, how close a particular vehicle is to its projected normal price, and how far it has to fall. 

Using CoPilot’s free Price Pulse tool, car shoppers can easily check current prices and the Price Premium on any car, track price changes, and compare across years and models to choose the right car and know when to buy. 

Background

The combined effects of extraordinary market dynamics over the past two years have created unprecedented inflation in used cars, leading to all-time high prices, up 51% percent from before the COVID-19 pandemic. 

Significantly, the Return to Normal Index reflects current retail prices, rather than wholesale prices, offering a real-time metric of the challenges facing consumers in the market. 

Return to Normal Index report anatomy

EXECUTIVE SUMMARY (Previous month’s data)

PRICE PREMIUM BY TYPE OF VEHICLE 

PRICE PREMIUM BY BRAND 

Luxury brands

Domestic brands

PRICE PREMIUM BY VEHICLE AGE 

CONCLUSION 

METHODOLOGY 

Example reports

CoPilot’s Return to Normal Index 8/22

CoPilot’s Return to Normal Index 7/22

CoPilot’s Return to Normal Index 6/22

Additional information

Official website

Price pulse

Media Contact: 

Kerry Close 

kclose@groupgordon.com 

732-609-2644

Life coaching isn’t a trend of the rich and famous. It’s a legitimate way to find a supportive partner who can help you work through tough times and make the best of good times. Many people find themselves turning to a life coach when they feel frustrated in their careers, overwhelmed by the responsibilities of life or simply unfulfilled. 

However, there are also times when a life coach won’t be the best choice for you. Sometimes you need help from a professional with a more specialized background or education. In this article, we’ll help you determine if it’s the right time to hire a coach or if you might need someone else.

When Not to Hire a Life Coach

Let’s start with a few situations when hiring a life coach isn’t the right choice. 

1. You Want Someone to “Fix” Everything

If it feels like the world is falling down around you and you just want someone to come in and make everything alright again, then a life coach isn’t the person for you. Life coaching isn’t about someone else solving your problems, it’s about empowering you to find peace and joy. Oftentimes, when people are in a state of distress, they don’t have the necessary frame of mind to make the positive changes a life coach would encourage.

2. You Need Help with Psychological Issues or Traumas

Some people would rather turn to a life coach than a professional to deal with significant mental issues, especially those who prefer natural health options. It might feel safer, calmer or less significant to see a life coach, but this person is unlikely to have the tools or knowledge to help you.

If you need help managing or overcoming psychological issues or past traumas, then you should look for a licensed counselor, psychologist or psychiatrist in your area. These professionals received highly specialized education and have advanced knowledge of the problems you’re facing. They will have the tools, resources and capability to provide more help than a life coach in these situations.

3. You’re Seeking Affirmation

Part of a life coach’s job is to challenge you. They want to push you out of your comfort zone and current mindset to find something better. So if you’re simply looking for a wise friend to agree with everything you say, you’ll be sorely disappointed. People looking for simple support, not a challenge, will be happier turning to family and friends.

When to Hire a Life Coach

Now that you know when a life coach isn’t right for you, we can look at those situations when they might be the perfect solution!

1. You Need Help Achieving Your Goals

Life coaches are trained in helping others create a plan to reach their goals and stick to it. So if you find yourself drifting through life or not making meaningful progress toward where you want to be, hiring a life coach could be a good choice. 

Additionally, if you feel like you need a meaningful goal but have none, a life coach can help you set one. They’ll talk you through assessing your values and motivations to set both personal and professional goals that will fulfill you mentally, physically, financially and spiritually.

2. You Need an Accountability Partner

Sometimes you need someone to keep you on the straight and narrow. A life coach can act as your accountability partner as you work through tough situations or practice giving up difficult things, such as addictions or bad habits. Having someone you can call to coach you through challenging moments can keep you feeling strong and confident.

3. You Want to Leave Your Comfort Zone

There might come a time in your life when you realize that sticking to your comfort zone is holding you back. However, that doesn’t always mean you know how to leave it. A health coach can help you slowly and systematically push your boundaries so you feel more comfortable doing things you’ve never done before or thought you never would do.

Part of this is also changing your mindset. A life coach will help you reframe how you see the world and react to negativity. Oftentimes, simply changing how you think about your situation can expand your comfort zone. Your coach is there to reaffirm this shift in thought and teach you ways to apply it in your life.

A life coach can bring positivity and new experiences to your life. If you’re looking to make positive changes, reach your goals or expand your comfort zone, then hiring a coach might be right for you.

Exchanges offer traders a one-stop platform to buy, sell and exchange assets. They usually charge a fee for each transaction in exchange for their services. However, as the industry has grown, crypto platforms decided to expand their product offerings. That’s why the concept of exchange tokens appeared.

In this article, we will discuss the exchange coins, the ways of their usage, and the most well-known examples of these assets. Let’s dive in! 

Why do cryptocurrency exchanges release exchange coins?

To encourage crypto adoption, exchanges have become easier to buy, sell and exchange these assets. Commonly, crypto platforms release exchange coins as a part of their fundraising strategy. Yet the value of these coins extends much more profoundly, keeping the exchange running and incentivizing active users.

The ways of exchange coins usage

The exact details of the exchange coin will depend on the issuer. However, they are more likely to serve a utility function in their particular ecosystem and be used to pay, trade, and deposit.

Alternatively, many coins give users a say in various decisions in the ecosystem.

The goal is that exchanges become more decentralized over time. Thus, token holders will take on a more significant role in governance, determining the answer to budgeting and development questions. In addition to governance, exchanges can provide other member-only benefits to their token holders.

On many exchanges, their utility token will be linked to several other popular tokens, allowing users to trade assets like any other cryptocurrency. Utility as an underlying market goes hand in hand with use cases associated with increased liquidity.

Liquidity is critical for exchanges to ensure that buyers and sellers can complete a transaction as intended without a significant price change. Exchange coins help solve this problem by providing incentives for traders, which stimulates additional activity in this market.

Although, some platforms use their exchange coins for funding contests and giveaways.

The most well-known exchange coins

According to CoinMarketCap, around 90 exchange coins are owned by some of the biggest names in the industry. Thus, selecting what coin to invest in comes down to the question of the exchange and its benefits. Let’s discuss some of the most popular exchange coins!

The first one on our list is the FTT coin. FTT is a utility token of a cryptocurrency derivatives platform, FTX. It was created to bring FTX users various benefits.

The next one is WBT. WBT is a native token of the WhiteBIT cryptocurrency exchange that gives its owners numerous benefits. The main of them are discounts on trading fees, increased referral rates, daily zero-fee withdrawals of ERC20/ETH tokens, and AML checks.

One more well-known exchange token is HT. HT is a native token of Huobi. It rewards users with reduced trading fees and carries its value in tradable pairs against popular currencies.

The ways to get cryptocurrency exchange tokens

Exchange coins are available through IEO, bought on the native exchange of the token, and given away on more successful occasions.

Most cryptocurrency exchange coins are available through an initial exchange offering (IEO), a type of initial coin offering (ICO), or a crowdfunding method.

The benefits of the exchange coins investment

Many token holders are motivated only by the benefits of governance. However, in some cases, several monetary incentives further encourage this level of investment.

Sometimes traders get access to reduced fees, from 1% to 50% or more. The fee reduction is beneficial when the volume is a factor, and many trades are regular.

Some exchange tokens offer such bonuses as personalized investment advice, interest payments, and improved customer service for the owners. 

The ICC T20 World Cup is quite possibly one of the most entertaining forms of cricket out there. It happens every two years and it was scheduled to happen in 2020. The unfortunate reality was that Covid-19 postponed the game to 2021 and then the host changed to India. If you want to find out some interesting facts about this game or if you love cricket and don’t want to miss out on a thing, then this is the guide for you.

Chris Gayle Scored the Fastest Century

One thing that you should know is that Chris Gayle is quite possibly one of the best cricketers of all time. He was able to score the fastest century and this is when he went up against England. He managed to do this with just 48 balls. In the year 2007, he was playing against South Africa, and he made another century, this time using just 57 balls.

Source: Pexels (CC0 License)

Yuvraj Singh with the Fastest 50

Another thing that you need to know is that Yuvraj Singh managed to score the fastest 50 as well. He has the record of being able to make the fastest 50 in the T20 World Cup and he also scored 50 runs with just 12 balls. He also managed this feat in 2007 when he went up against England. Yuvraj Singh was also, in 2007, the first placer in the T20 WC to hit six sixes which is very interesting, to say the least.

Mahela Jayawardene- Most Runs

When you look at some of the top cricketers out there you would be hard-pressed not to mention Mahela Jayawardene. He managed to get 1016 runs in every edition and this made him one of the fastest run scorers in the T20 WC. He managed to achieve this feat in 31 matches, and he has an average of 39.07. It’s very interesting to see how the cricketer has gone from strength to strength and he has always put in the work to ensure that he goes the extra mile for his team when it is required of him. He is truly going to go down as being one of the greats in the game of cricket.

Shahid Afridi- Most Wickets

If you look at the top cricketer, Shahid Afridi you will soon see that he currently has the record for being able to get the most wickets. He was the most prolific wicket-taker in the T20 World Cup. When you look at how he plays the game, you will see that he has taken 39 wickets in just 34 matches. This is incredible to say the least, especially when you look at the fact that he has an average of 23.25. Of course, he has stepped up his game and it shows, especially when you look at those clutch moments when everything is on the line.

Mahendra Singh Dhoni with the Most Dismissals

Top star Mahendra Singh Dhoni is also one of the most talented batsmen to ever grace the sport. He is a top wicketkeeper, and he has the record for having the most dismissals at the T20 WC. He is only 32 years of age, and he is also the only person to have had 100 international stumpings. If you want to find out more about this player or if you are curious to see what he is capable of doing, then make sure that you take the time to watch him in some of his games because he is always pushing the boundaries and his show-stopping results are not to be overlooked.

MS Dhoni- Top Captain

If you want more interesting facts about the T20 then you should know that Mahendra Singh Dhoni, or Captain Cool as he is often called, is right now, the only player to be able to captain a team in every single edition. He has done this across 33 matches. Dhoni has been able to do this from 2007 to 2017 and he is always looking for ways to try and surpass his previous records too. There aren’t many players who are as hard-working as this guy, not to mention that he has a lot of experience too.

Highest Totals for Sri Lanka

If you look at the highest total, you will see that this is 260/6 and this was in a T20 WC. This was scored by Sri Lanka against the Kenyan team. Of course, it is important to know here that Kenya only made 88 runs in total. Sri Lanka won the match by 172 runs, and they managed to do this in 2007. Of course, it is very interesting to see how the teams are going to do from now on but at the end of the day, they did have a very good game.

Most Losses and Wins

If you look at all of the records combined, you will see that Sri Lanka has the most wins overall. You then have Bangladesh which has the most losses. The total wins for Sri Lanka stand at 22 whereas Bangladesh has 19 losses. Sri Lanka is the first team to be able to play in three different finals and they have won just a single T20 World Cup. They did this in the year 2014 after they came away with a win at India.

So, as you can see, there has been a lot of action and excitement regarding the T20 World Cup over the years, but it looks like this one has stood out as being one for the ages. A lot of records have been broken as well so it is very interesting to see how this has helped to shape the world of cricket as we know it. Only time will tell what will happen to the teams who have been able to break the record and if they are going to be able to do the same again at the next cup, but either way the action here made for a very exciting year.

It is essential to make the right decisions consistently in trading to be successful. The first decision you will need to make is choosing a brokerage partner who will provide the best possible environment for you to achieve your trading goals and ambitions. It’s important to take your time when choosing a broker, as they may determine your eventual success or failure in the forex market.

Let’s explore 5 ways how to select a forex broker together. 

1. It is vital to have a reliable broker

A broker can provide you with the necessary tools and resources to help you make successful trades when trading forex. It turns out that the broker is responsible for the key part of your trading activity. In addition, the market is full of scams today who are waiting for someone’s fatal mistakes to cut them off. That’s why it is vital to find a reliable broker that corresponds to all criteria. 

The first thing you need to check is the regulation of the broker. Trusted and reliable brokers are usually regulated. This means they must keep client money in segregated accounts and follow fair trading practices. If there is a conflict, regulated brokers adhere to arbitration rules. Check the best Philippines forex brokers in case you want to trade with trustworthy ones. 

2. Understand the Trading Conditions

The terms of your trading conditions can have a big impact on your success in the forex market. Good trading conditions will give you a better chance to make money, while bad trading conditions can put you at risk.

Below are some trading conditions you need to consider when selecting a broker:

• trading costs

Find a broker that supports multiple payment methods and currencies to open a trading account. There should also be a minimum deposit that is comfortable for you, as well as a withdrawal process that is smooth and with no issues. 

• tradable assets

A good broker should offer a variety of tradable assets, including currency pairs, stocks, commodities, indices, and cryptocurrencies. This will give you the opportunity to find the right investments for your trading goals. Check the GMI broker review to have a closer look at a reliable broker with tradable assets. 

• account types

A reputable broker offers different types of accounts that meet the individual needs of their traders. There are different types of forex accounts, like standard, mini, micro, and managed accounts, that are designed to meet the personalized needs of individual traders.

3. Know the Account Features

When comparing different forex brokers, look at their account offerings and compare features. The 4 areas that are most important to consider are:

1. leverage and margin
2. commissions and spread
3. initial deposit requirements 
4. ease of deposits and withdrawals

4. Understand about the Trading Resources

A reputable broker will provide you with the resources needed to trade confidently in risky financial markets. This includes:

• educational materials

A good broker should have a learning center that is regularly updated with free materials like articles, videos, and webinars. They should also offer market insights from experts so you can make better trading decisions.

• customer care

A good broker must offer good customer service as well. This means that if you have any questions or problems, the broker will be always there to help you. The broker’s customer service should be available 24/7, multilingual, and professional. This will make your trading experience more enjoyable.

• the economic calendar

An economic calendar is an essential tool as well. It tells you when news releases are happening and how they will affect the markets. Forex traders use this information to make decisions about their trades. It also helps you stay on top of these events so you can understand as well as anticipate price movements in the forex market. 

5. Know the Trading Platforms that they use

When looking for a broker to trade with, it is important to find one whose trading platform can be used efficiently on both mobile and desktop devices. It is also relevant to consider whether the platform supports automated trading strategies and copy trading functionality. 

Trading platforms are portals to the forex markets, which allow you to buy and sell instruments. While some brokers operate MT4 and MT5 classics, others may run proprietary trading platforms that can have unique resources for traders.

Conclusion

With so many options available, it may seem complicated to select the right forex broker for your needs. However, if you take into account 5 points in mind when making your choice, you should be able to find a reputable and reliable broker that meets your requirements. Use this article as a guide and make an informed decision about which forex broker is best for you.

Dual diagnosis is when a person has both a mental condition and a substance use disorder. Its simultaneous occurrence of two or more illnesses means that each person will experience symptoms that are very different from one another. Patients who turn to substance addiction to deal with difficulties in their lives, such as mental health disorders, fall under this broad category.

A patient with a dual diagnosis exhibits a variety of symptoms, such as anxiety, apathy, impulsivity, recurrent thoughts, and other psychotic diseases. Although personality disorder and alcohol/drug abuse are both diseases that may be treated, many people are unsure of how to manage the situation. For this reason, a person needs to pick a co-occurring disorder treatment centers with a variety of treatment alternatives to enable him to recover from this crippling ailment. It is imperative to cure both the conditions. By doing this, a person increases his chances of complete recovery and return to the normal productive life.

Treating the mental illness

Integrated intervention is the greatest kind of treatment for people who are battling both a substance misuse problem and a mental health issue. The patient receives treatment in this for both substance misuse and mental illness. Compared to the treatment for a single disorder, the treatment for dual diagnoses may take longer and increase the risk of addiction relapse. Due to the existence of two chronic illnesses, these individuals typically have a poor prognosis and general health.

A study by Euphrosyne Gouzoulis-Mayfrank and colleagues that was published in Deutsches Arzteblatt International looked into whether treating mental disorders could encourage individuals to cut back on substance addiction. 100 patients with dual diagnoses who willingly took part in the research were the subject of the study. The majority of patients had a normal course of care that included several therapeutic sessions and cognitive training. A couple of them were advised to maintain their abstinence while being offered a particular disorder treatment programme. Additionally, cognitive behavioral therapy and psych educational instruction were offered to the latter group.

After the year-long study, the researchers concluded that patients receiving the disorder-specific treatment were also motivated to abstain from substance abuse unlike conventional treatment. This method cannot provide a complete treatment for dual diagnosis; therefore, the above hypothesis needs to be further tested on a larger sample to realize its potential

Efficacy of inpatient rehabilitation program

In 2014, the Substance Abuse and Mental Health Services Administration (SAMHSA) stated that 7.4% of all Americans experienced co-occurring disorders. Dual diagnosis patients require specialized care, and the best option is inpatient rehab program. In this program, patients are shielded from outside distractions and given expert behavioral therapy support to ensure successful outcomes.

A residential patient’s ability to manage stress may be greatly aided by routine treatment from qualified medical professionals like Blue Cross Blue Shield drug rehabs and specialized therapies. A rehab institution offers inpatient programs that mandate residents stay at the facility throughout the course of care. Through coordinated therapies, these programs are especially created to assist addicts in recovering from the co-occurring conditions. In many cases, doctors will only employ behavioral treatment when treating patients who have a history of substance misuse and are reluctant to take pharmaceuticals.

Mental health and substance abuse often overlap at a very complex juncture. On the surface, they might appear to be distinct, but in reality they feed on each other. Therefore, a careful assessment is needed to establish the existence of both disorders. Although that might prove difficult, since the symptoms of one disorder can mimic the symptoms of the other. Inpatient dual diagnosis treatment facilities can provide you with an efficient therapy if you or a loved one are dealing with a dual diagnosis and looking for professional assistance. The best inpatient dual diagnosis recovery facilities in your region can be found with the help of the Dual Diagnosis Helpline.