15 Habits To Achieve A Better Work-Life Balance In Today’s Fast-Paced World

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Now more than ever, we need the skills to look after ourselves so that we can perform well at work, achieve our personal and professional goals, be there for our loved ones, and feel our best. But these notions of looking after your mental and physical health, lowering stress, staying on top of your work, and having more time for the people and things that matter all come down to one thing: creating a more balanced life.

Going beyond old notions of “work-life balance”

There’s an old misconception that “work–life balance” means spending equal amounts of time on work and non-work life (like balancing out two sides of a measuring scale), but that’s not true. Balance may mean working four hours a day to you, while others thrive on the structure of a longer work day. Having a healthy “work–life balance” essentially just means feeling fulfilled in both areas – work life and, you know, life life.

Therefore, finding balance isn’t just a case of working fewer hours, working from home two days a week, or being able to finish work in time to pick the kids up from school. It goes much deeper than that to encompass a more holistic view of how you look after yourself and spend your time. Taking this wider view, finding balance means:

· Being able to manage your workload and meet deadlines without working all hours.

· Maintaining boundaries between work and non-work life so you’re not worrying or thinking about work all the time.

· Spending quality time with your children, partner, friends, and other people that matter to you.

· Keeping up with the hobbies you love.

· Making an effort to look after your physical and mental wellness.

How to find more balance

Starting with physical wellness:

1. People who do regular physical activity have a lower risk of all sorts of diseases, from bowel cancer and heart disease to diabetes and dementia. Therefore, it’s vital you carve out time for regular physical activity (walking, running, yoga, etc.). The easiest approach is to make activity part of your everyday routine, for example, by cycling to work or walking (rather than driving) to the train station.

2. Get outside as often as you can, even if it’s just a quick coffee in the sunshine on your morning break.

3. Maintain a proper and restful sleep routine, which may mean nine hours for you or six hours for someone else. Good practices include going to bed and getting up at the same times each day (including on weekends), and disengaging from screens in the hour or two before bed.

4. Make an effort to eat foods that nourish your body. For example, you could spend an hour on Sunday morning prepping some lunches for the week ahead (a big batch of soup, grain-filled salads, etc.) or invest in meal kits to make evening meals easier. A healthy body feeds into a healthy mind, but here are some other steps that may help you boost your mental health (they’ve certainly helped me):

5. Make time for hobbies and relaxation. Personally, I find that reading, mindfulness, and running help me to unwind, and I make time for these pursuits most days. For you, it could be five minutes of deep breathing or meditation, long baths, walking in the woods, watching movies, or whatever. The important thing is to find your own way to unplug and relax.

Continue reading….

By: Bernard Marr

Source: 15 Habits To Achieve A Better Work-Life Balance In Today’s Fast-Paced World

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Liquid Staking: Crypto’s New Phantom Money Machine

 Fernando Capeto for Forbes; Photo by PM Images/Getty Images

Cryptocurrency exchange Coinbase is sitting on a $1.5 billion pile of phantom cryptocurrency pegged to the price of ether. Binance has a similar $750 million stash. These tokens, created to be used in what are essentially lending programs, are just entries in the exchanges’ computers, but to outside observers they appear as assets sitting in their corporate crypto wallets.

Binance’s 400,000 tokens would suddenly come to life if investors decide to use the exchange as an intermediary in posting ether (ETH) collateral to the Ethereum blockchain through a process called liquid staking. But until they do, anybody seeking to determine the amount of Binance’s assets would have to subtract the value of the spectral crypto from the visible total, now $2.77 billion, according to data from Arkham Intelligence.

Things might be clearer if Binance actually published its balance sheet, which would be expected to show a corresponding liability. However, despite 70 million customers worldwide, it doesn’t share financial details with the public. “Those [tokens] not in circulation are held in a specific reserve account with strict controls and multi-party approval,” says a Binance spokesperson.

Coinbase–which declined to comment for this story and is facing a likely enforcement action from the Securities and Exchange Commission related to its staking offerings–does not count its unreleased assets on its balance sheet, but does disclose them in its SEC filings.

Welcome to the fast-growing world of liquid staking. Staking in crypto parlance involves posting a digital asset like ether to a blockchain as collateral in exchange for the right to process transactions and earn in-kind rewards like tokens. Staked tokens are normally locked up for a period of time so they can’t be immediately withdrawn and cause a run on the platform…….

Continue reading…

I write about digital assets trends and am a leading creator of the Forbes Digital Assets tools and functionality our viewers require. I support the generation of relevant, curated investor

Source: Liquid Staking: Crypto’s New Phantom Money Machine

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5 Signs You’re Actually Pretty Good With Money

Getty Images

Most of us strive and struggle to reach our goals. What we often forget is that accomplishing them is only half the battle. You also have to feel like you’ve accomplished them. And these two steps can be further apart than you might imagine.

Couples therapists caution that we are often overly focused on the negative in relationships, which means we underestimate the strength of our bonds. Professors warn that many highly successful professionals make themselves miserable by always chasing one more accolade.

And one author went viral when she coined the term “productivity dysphoria” to describe the yawning gap between how much she gets done and how satisfied she feels with her output.

In short, our actual achievements and our sense of our accomplishment often don’t line up. And according to one finance professor, that’s as true for our finances as it is for relationships, productivity, and success.

Are you good with money? Your bank balance can’t tell you.

You’d think it would be relatively easy to gauge how well you’re doing financially. Bank balances and credit card statements offer clear and objective measurements, after all. But when it comes to money, we start from wildly different places and have wildly different goals. Your bank account is more of a reflection of luck and circumstances than your level of financial literacy.

Plus, as Bomikazi Zeka of Australia’s University of Canberra pointed out on The Conversation recently, these are exceptionally trying times to achieve financial stability. “Every day, you’re making complex financial decisions (some of which carry huge ramifications) and there are more financial products and services available than ever before. Navigating this minefield can be overwhelming,” she writes.

So how do you know you’re actually doing OK when it comes to managing your money and planning for your financial future? Zeka offers a list of telltale signs, including:

1. You track your cashflow.

Our incomes and expenses may vary enormously, but whatever these numbers look like, nearly everyone should aim to be cash flow positive.

“By tracking your cashflow on a regular basis, you’re ensuring your expenses don’t exceed your income. In other words, you make sure you’re earning more than you spend,” writes Zeka. She adds that you’ll know you’re on the right track when “you have a surplus or a buffer.”

2. You distinguish between good debt and bad. 

Some people have a horror of any debt at all. Others are prone to using credit to finance their lifestyle with little regard for their financial futures. Neither approach is a sign you’ve got your financial house in order. Those who are actually good with money understand debt can be good or bad and know how to tell the difference.

“Knowing how to make debt work for you is a skill and a sign of good financial knowledge,” says Zeka. She explains: “Good debt is debt used to improve your long-term financial position or net worth, such as a home loan. Bad debt tends to be consumption-driven and doesn’t have lasting value. Examples include payday loans or retail accounts.”

3. You diversify.  

From Silicon Valley Bank to FTX, recent collapses and scandals have underlined the dangers of putting all your financial eggs in one basket. Those with a good grasp on their finances understand these risks and refuse to rely on just one basket.

“One of the key concepts of financial literacy is understanding the importance of diversification,” says Zeka. “By having your money spread across various places (such as a savings account, property, the share market, superannuation, and so on), you’ve reduced the concentration of risk. This helps protect your wealth in tough economic times.”

4. You know your own weaknesses. 

No matter how sensible and informed you are about financial matters, you still have a weakness. Our attitudes toward money have deep roots in our pasts, and emotions creep into everyone’s financial decision making. If you understand your personal patterns and blind spots, you’re in a much better position to guard against them.

“Perhaps you buy unnecessary stuff when you feel sad. Or maybe you panic when faced with tough financial choices and make quick decisions just to make the problem go away. Neglecting to reflect on patterns of behavior can lead to serious and possibly irreversible financial mistakes,” cautions Zeka.

5. You have financial goals. 

One person may want to retire by 45. Another may just be hoping to pay off their student loans by then. We don’t all need to have anything like the same goals, but if you want to be in the driver’s seat when it comes to your finances, you need to have some kind of goal.

“Financially literate people plan for their finances. This involves setting goals for either earnings, savings, investments, and debt management or putting measures in place to protect wealth (via, for example, insurance to protect your wealth against loss),” Zeka says. But goals alone aren’t enough. To be truly financially savvy, you need “to have a system and habits in place to achieve them,” she adds.

You can read more about Zeka’s signs of true financial literacy in her full article. The details are useful, but the overarching message is as simple as it is powerful: Whether or not you’re good with money isn’t measured by how much of it you have but by your realism, thoughtfulness, self-knowledge, and foresight.

If you know how much money comes in and out every month and have goals and reasonable plans to meet them, you’re probably much better with money than you sometimes feel.

By Jessica Stillman

Source: 5 Signs You’re Actually Pretty Good With Money | Inc.com

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Crypto Faces a Banking Crisis. For Some, It’s a Conspiracy

Illustration: James Marshall; Getty Images

The collapse of crypto-friendly Silvergate and Signature Bank has left the industry scrambling to find anyone willing to work with them. When Citibank locked trading platform Swan Bitcoin out of its corporate bank account in October, it did so without warning or explanation. The only confirmation of what had happened came in the form of a paper check for the account balance, delivered to an old home address of Cory Klippsten, Swan’s CEO.

“There was absolutely no notice,” says Klippsten. “We got no phone call, no email, no snail mail letter—nothing. They just shut it down.” Swan had a secondary account at another bank and so could still make payroll, but for a smaller firm this could have been an “existential threat,” Klippsten says. Citibank did not respond to a request for comment.

The crypto industry needs banking; it needs it badly and always has. Without a banking partner, crypto companies cannot accept dollar deposits in return for services or in exchange for tokens, nor can they pay their employees or vendors. That means the quest to build a parallel financial system free of intermediaries is dependent, inconveniently, on an accord with those same intermediaries—the banks.

Wall Street has often been reluctant to work with crypto companies, so many in the industry came to rely on just two US banks—Silvergate and Signature—which made themselves invaluable to crypto clients by offering real-time payments outside of traditional banking hours. Over the past week, both banks have closed, Silvergate because of overexposure to the ailing crypto sector and Signature due to a liquidity crisis triggered by a sudden flood of withdrawals.

That has left many crypto businesses—particularly smaller ones—back where they began: unbanked and with few alternatives at hand. “Overwhelmingly, banking is the challenge for crypto companies,” says William Quigley, cofounder of stablecoin issuer Tether. “A lot of people in crypto are denied access to banking services. It’s a real problem.”

When the crypto space began to grow in the early 2010s, mainstream banks were often hesitant to work with a sector they saw as inherently risky. But as the industry began to move closer to the mainstream over the past few years, Wall Street’s level of comfort grew. Big banks such as JPMorgan and BNY Mellon started banking crypto exchanges and letting their clients store and trade coins.

Regulators kept an eye on the sector, but besides a few “policy sprints,” they did little.  Then in 2022, crypto collapsed in spectacular fashion. In May, the failure of the Terra-Luna stablecoin wiped out an estimated $60 billion, prompting a chain reaction that later took down crypto lender Celsius, hedge fund Three Arrows Capitals, and others.

This was followed in November by the implosion of crypto exchange FTX, whose founder has since been charged with 12 criminal offenses, including bank fraud, wire fraud, and money laundering…..Continue reading

Source: Crypto Faces a Banking Crisis. For Some, It’s a Conspiracy | WIRED

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Middle Managers Have It Bad: 5 Things They Need Most

Middle management can feel like navigating shark-infested waters...getty

Leadership has gotten a lot harder over the past couple years—and middle managers may have it worst. They face increased pressure for results and the escalating requirements to support employees who are struggling with wellbeing. Middle managers experience unique tensions between groups, demands and expectations.

Middle management is arguably tougher than senior leadership roles or individual contributor roles—and evidence tends to prove the point. It’s a special person who can navigate the maze of demands, find balance among all the pressures and meet the needs of diverse groups of stakeholders. Middle managers require attention because they have such an important influence and impact on the business.

But organizations can support middle managers so they don’t become stressed out, burned out or ineffective—and research points to what works best.

It’s Really Hard

The demands on leaders have shifted and now leaders must not only tolerate ambiguity, but embrace it. They must go beyond developing networks and nurture relationships. They must communicate with clarity rather than certainty, and they must not only engage, but go beyond—and inspire people.

In addition, managers have a significant effect on the mental health of their people—as much as a partner and more than a doctor or therapist according to some studies. Leaders have always cared about people’s wellbeing, but the stakes appear to be even higher today.

Middle managers especially feel the pressure and they are experiencing high levels of depression and anxiety compared with other roles in organizations, according to a study by Columbia University.

Why It’s Tough

The problem with middle management is demonstrated in its nature. Middle managers are caught between. The study by Columbia University found they suffer from being in contradictory roles—as owners of a problem, but also those who must solve the problem. They are directing work and they are performing work—and the dual nature of these roles can be challenging.

In addition, middle managers can find themselves caught up in the conflicts of those who are above them in the hierarchy as well as those who are below them, and this can be a source of stress, based on a surprising study by Manchester University.

Middle managers are also under pressure for all kinds of results. They must hit the numbers, stay on schedule and meet customer demands—but they must also ensure people are retained and that wellbeing is supported.

Middle managers also have to find the right mix of being authentic about their own perspectives, but also aligned with organizational messaging. They must develop rapport with their teams at the same time they maintain appropriate distance and professionalism.

Middle managers are often faced with the challenge of implementing something they haven’t influenced and which they may or may not agree with. And they must manage themselves at the same time they are managing others.

Any of these tensions would be challenging to a leader, but middle managers tend to face the accumulation of these tensions—leaving them caught between and caught up in significant stress.

What They Need

In order to be their best, middle managers need plenty of support and empowerment, and research points to a few ways to accomplish this most effectively.

#1 – Value and Empowerment

One of the first things organizations and leaders can do is to be clear about how they value middle managers. Often, ideas from middle managers aren’t shared across the organization and this can cause middle managers to feel disempowered and disengaged, according to a study by the University of California.

In addition, a study by the University of Kansas found middle managers felt like go-betweens without enough influence—and they sought to control even the smallest of details to win back some sense of empowerment. Middle managers can feel like they are in the shadows—asked simply to execute, rather than to provide expertise.

Ask middle managers for their input. Share their ideas. Give middle managers the spotlight and recognize their contributions. Be sure middle managers know their points of view are heard, amplified and taken into consideration.

Move decision making to the lowest possible point in the hierarchy and ensure you’re incorporating middle manager input and perspectives—based on their experience of how the work is really occurring.

#2 – Context

Like all employees, middle managers are a product of the culture they’re part of—but they also amplify culture because they affect many people’s experiences of work and quality of work-life. A study by Vanderbilt University found when middle managers were ineffective, it was typically because they reported to next-level leaders who were similarly ineffective, and middle managers’ satisfaction was based on the trickle-down of leadership styles.

Be sure to nurture a culture of respect and empowerment. Provide plenty of direction and a clear sense of vision and mission at the same time you’re empowering involvement and participation from individuals and groups. Ensure clear practices, limits and boundaries balanced by approaches which allow for adaptability and responsiveness to markets, competitors and customer demands.

Also ensure there are clear principles and policies for middle managers to follow. Too often, managers are left to decide on how the work gets done with too few guidelines—leaving them without support or the backstop of policies.

#3 – Expectations

Middle managers also need realistic expectations. Too many managers report they are up against unrealistic demands for results with too few resources—or requirements for a higher level of performance than they are skilled to meet. A study by Penn State found that unrealistic expectations could be the origin of bad behaviors in which middle managers were under so much pressure to perform they fudged numbers or took destructive shortcuts.

Be sure to set goals which are challenging, but achievable. And ensure managers have the resources they need to meet them. Be open to managers who push back and listen when they talk about what they need to be successful. Empower creative solutions when managers face problems and back up managers when they have to make tough decisions.

#4 – Support

Middle managers also need support. With their unique challenges, they especially need mentors—preferably from other departments so they can benefit from advice which is more distant and therefore more objective, and which can be a safe space for them to vent, voice uncertainty or seek guidance.

Middle managers also need avenues to build their networks with other middle managers with whom they can share their challenges, let down their hair and have confidential conversations away from their teams.

#5 – Resources

As they face greater demands, middle managers also need resources. They access to information so they know the business deeply—and can make good decisions. They need outstanding communication skills as people increasingly turn to them for perspective, point of view and clarity.

Managers also need an understanding of how to ask questions, listen and express empathy. Often these capabilities are innate, but they can also benefit from coaching and development. Leaders need to know about the resources they can tap into for their own wellbeing, and the resources they can offer to employees who may need support as well.

And leaders need time to do their jobs. Too often, companies add so much training to managers’ plates that it exacerbates pressure and demands, rather than reliving or empowering the managers.

Working Through It

A big part of supporting middle managers is realizing their unique tensions—and their special value. Investment in middle management skills is critical, but so is investment in middle managers as unique contributors—who make a huge impact on results, on the work experience and on people.

Source: Middle Managers Have It Bad: 5 Things They Need Most

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Easy NFT  https://jvz4.com/c/202927/381381/
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Ejaculation Total   https://jvz2.com/c/202927/75989/
ELearningCourse   https://academy.damngoodcompany.com/?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
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EmailMarketingEasy   https://systeme.io/f37b6249?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
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Extreme Adz   https://jvz8.com/c/202927/379244/
Extreme Coupon  https://jvz1.com/c/202927/216101/
EZ Local Appointment  https://jvz2.com/c/202927/385180/
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Ezy MultiStores  https://jvzoo.com/c/202927/381935
Facebook Cash Machine   https://jvz4.com/c/202927/382333/
Facedrip  https://jvz1.com/c/202927/376325/
FaceSwap   https://jvz4.com/c/202927/381768/
Fade To Black   https://jvz2.com/c/202927/344541
Fanpage  https://jvz4.com/c/202927/144349
FexBitsCrypto   http://fexbits.com/referral/arminham
FinancialFreedom  https://sue-usbiz.systeme.io/12d63f51?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
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Human Synthesys Studio  https://jvz8.com/c/202927/367353/
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Insta Keyword    https://jvz6.com/c/202927/351606/
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Linkable DFY   https://jvz6.com/c/202927/385873/
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LinkPro    https://jvz6.com/c/202927/393326/
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Live Your Truth  https://jvz6.com/c/202927/379020
Living An Intentional Life    https://jvzoo.com/c/202927/382455
Living an International Life    https://jvz8.com/c/202927/382455/
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LocalCentric   https://jvz2.com/c/202927/379339/
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MarketPresso   https://jvz3.com/c/202927/343043/
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Mat1 Simple Funnel   https://jvz2.com/c/202927/380197/
Maxslides  https://jvz8.com/c/202927/376842
Mech Forex Robot   https://jvz6.com/c/202927/383447/
MediaCloudPro   https://jvz2.com/c/202927/343635
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MemberOwls   https://jvz8.com/c/202927/389039/
Mobi First   https://jvz2.com/c/202927/353694/
Mobilio  https://jvz4.com/c/202927/388285/
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Motion Kingdom Studio  https://jvz4.com/c/202927/383177/
Movid Animation  https://jvz6.com/c/202927/380385/
MT4Code System   https://jvz2.com/c/202927/376925
My Passive Income   https://jvz1.com/c/202927/384099/
MyMailIt   https://jvz3.com/c/202927/292919
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Next Drive  https://jvz4.com/c/202927/371095/
NichBox  https://jvz2.com/c/202927/370705/
Organic Life Guide  https://jvz8.com/c/202927/366872/
Ovizi  https://jvz3.com/c/202927/390384/
Pcommerce   https://jvz6.com/c/202927/372265/
Phemex  https://phemex.com/register-vt1?referralCode=D8HUS2
Photokit  https://jvz4.com/c/202927/373207/
PicsAds   https://jvz2.com/c/202927/385468/
PigMoneyMethod   https://jvz2.com/c/202927/377665/
Pipstock    http://pipstockexchange.com/register?ref=204
Pitchdeck   https://jvz3.com/c/202927/347847/
PitchKickstart   https://jvz8.com/c/202927/391150/
Pixal  https://jvz2.com/c/202927/378775/
PixaStudio    https://jvz1.com/c/202927/373089/
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PlanB Muscle Growth   https://jvz1.com/c/202927/36517/
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Podcast Advantage   https://jvz8.com/c/202927/379995/
Podcast Masterclass  https://jvz3.com/c/202927/379998/
PodKastr    https://jvz1.com/c/202927/369500/
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Postradamus     https://jvz6.com/c/202927/108695
Power Reviews    https://jvz8.com/c/202927/384625/
PowerAds  https://jvz3.com/c/202927/390254/
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Powrsuite   https://jvz1.com/c/202927/390564/
PR Rage  https://jvz4.com/c/202927/343405
Prime Stocks   https://jvz8.com/c/202927/369164
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Promovidz   https://jvz8.com/c/202927/375692/
PromptStrongBox  https://jvz3.com/c/202927/392796/
Push Button Traffic   https://jvz2.com/c/202927/301402
PWA Agency   https://jvz1.com/c/202927/353694/
QR Verse   https://jvz3.com/c/202927/383865/
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ResilienceMoms   https://stressilience.systeme.io/4442a198?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
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RotateTraffic   https://www.rotatefortraffic.com/?sa=sa00386916227d755116a01578a5e00a942b8a2f2c
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ShopABot   https://jvz2.com/c/202927/291955
ShopFunnels   https://jvz3.com/c/202927/384069/
SocialAgency360   https://jvz1.com/c/202927/385357/
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Steven Alvey’s   https://jvz2.com/c/202927/351754
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Stoodaio   https://jvz6.com/c/202927/388794/
Storymate    https://jvz3.com/c/202927/320972
StoryReel   https://jvz3.com/c/202927/387813/
StreamPilot   https://jvz2.com/c/202927/385431/
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Tonai Voice Content   https://jvz8.com/c/202927/383119/
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Video Campaignor      https://jvz4.com/c/202927/387058/
Video Games   https://jvz3.com/c/202927/184902/
VideoEnginePro     https://jvz2.com/c/202927/372916
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VideoRobot Enterprise   https://jvz8.com/c/202927/291061
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