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In a ruling that effectively closes the books on more than a decade of antitrust lawsuits against office supply giant 3M, a federal judge has granted final approval of a class action settlement worth nearly $40 million and awarded more than $14.5 million in fees and expenses to the plaintiffs lawyers.
The $39.75 million settlement in Bradburn Parent/Teacher Store Inc. v. 3M — a class action brought by direct purchasers and retailers — came on the heels of a trio of settlements reached last year.
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I can tell I'm not wanted because no one seems to care about me. I don't have much friends, my family acts like I'm invisible, except for my dad but I hate my dad. I can't turn to anyone 'cause, like I said before, I don't have many friends. Well, I don't really have any. I have one best friend and if she knew I si she wouldn't talk to me anymore. I act like everything is fine, I'm always smiling but I'm sick of faking. No one, NO ONE, realizes that I'm more depressed than anyone they've ever met. One of my brothers has a problem, too. And my mom is trying to help him, but he doesn't si. He just smokes weed and stays in his room. But as for me, I si, and my mom knows it. She promised to get my help but she never did. And I'm always being taken for granted and I hate it. No one appreciates me and no one cares. I just want to be noticed, for once in my 14 years of life.
2 Responses
I know how you feel :). but there's one thing I learnt . NO ONE is going to come up to you, and lend you a hand. If you'v fallen, and are on the floor, DONOT wait for anyone to come and help you up. Learn to get up yourself.
Your mother said she'd get you help, and I am in no place to say whether or not she really cares about you, but one thing i know for sure, ALL parents, deep down inside, no matter what kind of person they are, want what's best for their children.
For one, you want to be noticed you say? Well babe, to be honest, most of us do. And well, if you wanna be noticed, you have to work on becoming a noticable person. How you choose to do that, is up to you, however, make sure its right. (i.e. rebels are also noticed. however, what they are doing isnt always right. )
Go and find help YOURSELF. don't depend on anyone. I know its like "but what, even my family? can't i even depend on my family?!"
And well, sometimes, you can't. It's not fair, i know. But tell me, who EVER said that life was fair? Whoever said that, is the world's BIGGEST liar and idiot, living in an unrealistic world.
Oh btw, if your friend stops talkin to you because you injure yourself, rather than tryin to help you out, then, she's not a true friend 🙂
Find someone who can accept you, and help you. DONT WAIT for someone to come up to you. YOU have to make the effort here.
AND, if you'r down, dont hide it. That doesn't mean you have to answer why you're down if someone asks, you can simply tell them to let you be as you have your reasons.
Try to make a list of things you can be grateful for. Things that, other people may not have. 😀
Hope this helped 🙂
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Solar panels provide electricity that is free of emissions, thus lowering your carbon impact. Their popularity soared in 2020, as shown by a 43 percent rise in gigawatts when compared to the previous year. With nations implementing sustainable energy policies to mitigate the increasing dangers of climate change, now is an excellent moment to consider installing solar panels on your property.
Solar panels have a number of benefits and drawbacks, which we discuss in detail in this article so that you can make the best choice for your situation.
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Advantages of solar-powered energy systems
There are many advantages to using solar panels. Here's what we came up with:
1.You acquire a measure of energy independence.
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- What does a woman's silence mean to a man?
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- What does silence do to a man?
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What does a woman's silence mean to a man?
A woman's silence means she doesn't care and that she is giving up on you.
She is silent because you don't deserve her words..
How a man feels when he is in love?
In plain language: Men often feel most loved by the women in their lives when their partners hug them, kiss them, smile at them, and explicitly offer gratitude, praise, and words of affection. Men also feel loved and connected through sexuality, often to a greater degree than women do.
Will he come back after no contact?
The short answer is Yes. If your ex still has any good feelings left for you and you did not cheat, manipulate or deceive your ex, he or she will most likely come back after no contact. Like most things in life, there's no 100% certainty on the result.
How do I give him space but stay on his mind?
Give him space. The best way to give him space is to do just that … … Put the phone down. … Step away from social media. … Don't badger him. … Don't chase after him. … Stop worrying about losing him. … Stop focusing on him, focus on you. … Remember you will be OK.More items…
What to say to him when he comes back?
Respond to him, be friendly, answer his questions and simply mirror him. Feel things out and see what he says. Don't get too excited and start asking him if he wants to do something or making yourself available. Let him do the asking and the chasing.
Will he miss me if I leave him alone?
With the majority of men, he will miss you if you leave him alone. … Men are definitely creatures of habit and when you take away your texts, hugs, kisses, touches and your voice, he is going to miss those things and think about you more than he thought he would.
Does silence make a man miss you?
So the answer to the original question, can silence make a man miss you? It absolutely can, but it won't do it just by itself. You have to be willing to take a risk, to go there.
Should I tell him how I feel or walk away?
You should tell him because he should know you have feelings for him. You would want him to tell you if he had feelings for you, so you should tell him. You can walk away feeling good because he deserved to know you have feelings for him and you'll feel better for telling him.
What does silence do to a man?
Findings from his in-depth analysis revealed that the silent treatment is 'tremendously' damaging to a relationship. It decreases relationship satisfaction for both partners, diminishes feelings of intimacy, and reduces the capacity to communicate in a way that's healthy and meaningful.
How do you know a guy is losing interest in you?
If he doesn't really seem interested in anything you have to say, he seems bored when you talk, he cuts you off, he looks away, or he doesn't remember the things you tell him, it's a big sign he's losing interest in you.
Why do guys act distant when they like you?
He is scared of his feelings This is probably the biggest reason men act distant to a woman they like. They are scared of their feelings. The feeling of love is a powerful emotion. … And when a man suddenly feels something so powerful, he feels uncertain and doesn't know how to properly process it.
How do I make him realize my value?
13 Ways To Make Him Realize Your WorthKeep yourself busy. … To make him realise your worth, stop texting and calling him. … Forget to do some of his chores. … Express your feelings through your actions. … Stop being a pushover. … Go out with your friends. … Pamper yourself. … Start saying 'no'More items…•
Will walking away make him want me?
Walking out from a relationship with someone is a potent way to create want and desire. You being away will ignite dormant emotions, and potentially turn the situation around. It is important to break away from a relationship if being away will make it work.
Will walking away make him come back?
In short, yes, it should get him running back to you. However, it is all dependent on his feelings towards you and the severity of the situation you find yourself in. … On the other hand, if this man does have feelings for you, even if they might be hidden, having you walk away will make him come straight back to you.
How do you make him commit by walking away?
Get Him To Commit By Walking AwayMake Him Miss You. You can't keep on waiting for him to be committed to your relationship. … Get Busy With Your Life. Play the "hard to get" game once more. … Make A Man Realize That His Life Is Better WithYou In It. … Make Him Realize You Are Not Tied Down To Him. … The Harder The Better.
How can I make him miss me badly?
Here's 18 simple ways to make him miss you like crazy.Stop all communication. … The waiting game. … Make him feel like a hero. … Be the first to end the conversation. … Go easy on social media. … Find a scent that will remind him of you. … Add a little bit of mystery and surprise. … Leave things behind.More items…•
How do you know if he's never coming back?
Signs He Doesn't Ever Want You BackLack Of Interest.Not Wanting To Spend Time With You.Never Making An Effort.Sleeping With Other People.Always Choosing To See Other People Over You.He Talks To You About Potential Love Interests.His Friends Say He Still Talks About You.More items…•
How long does it take for a man to regret a breakup?
However, as you've also surmised from what guys do right after a breakup, it takes time for most men to reach that point of regret. In fact, it can take up to six months for some guys to start missing you and regret ending the relationship. Sometimes he regrets the breakup because he misses the life he had with you.
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Does Hot Chocolate Help You Sleep?
Do you like chocolate? Or maybe the better question is whether there is anyone who doesn't love eat chocolate and drink hot chocolate? Hot chocolate is a tasty, creamy beverage, which has other benefits besides its fantastic taste.
Chocolate is made from seeds that grow on a cacao tree. Humans have been consuming cocoa in various forms for more than 10,000 years. The fermentation process is necessary in order for very bitter cocoa beans to be turned into a favourite dessert. The higher the percentage of cocoa in chocolate, the more bitter the chocolate.
Chocolate is not the only thing made from cocoa, but you can also find chocolate liquor, butter and much more. If you melt chocolate in milk, and then add sugar, vanilla and other things you like, you get hot chocolate. Many consider hot chocolate even tastier than chocolate. It is very old beverage, popular even back in the days of Maya and Aztecs who consumed chocolate beverages often, so it is consider traditional indian drink.
Most very tasty things are not healthy. But this is not the case with hot chocolate, on the contrary. Chocolate and hot chocolate are beneficial for our body and can help you have restful sleep. Find out how hot chocolate affects sleep quality in the article by The Sleep Advisors.
How does hot chocolate help you sleep?
There are many ways hot chocolate helps you sleep. But let's start with something general – bedtime routine. Bedtime routines can significantly help you, but also any change in bedtime routine may negatively affect night's sleep. Therefore, a few steps from the routine should not be abruptly skipped. If hot chocolate becomes part of your bedtime routine, then the body will automatically begin to prepare for sleep as soon as you smell hot chocolate. This is definitely the first way it can help you sleep.
Several studies have shown that the smell of chocolate in general reduces tension and will make you relax even though hot chocolate has not been part of your bedtime routine so far. That is it about the mental part, and now it is time to proceed on the influence of hot chocolate on the chemistry in our body.
It increases the secretion of melatonin, a sleep hormone, both because your body associates hot chocolate with sleep, but also at the biochemical level. Chocolate has certain ingredients that stimulate the secretion of melatonin. As it contains large amounts of tryptophan, which is an amino acid necessary for the secretion of serotonin, a monoamine neurotransmitter very important for mood, as well as dopamine, the hormone of happiness.
Milk that is part of almost every recipe for making hot chocolate also plays an essential role. We have to mention temperature of the beverage too, since hot drinks make us sleepy.
Why do we feel sleep in the first place?
Have you ever wondered why we feel sleep in the first place? Sleep is one of the basic functions of our body and something we cannot live without, similar to food, water and air. That is why it is normal to feel the need to sleep every day. Circadian rhythm is actually our inner clock that controls the 24-hour sleep and wake cycle. The body and mind ask us to sleep so that we can renew our energy, memorize what you have learned, cleanse the body of toxins and do many other essential things. This is the simplest answer to the question why do we feel sleep in the first place.
However, there are also disorders that cause excessive sleepiness. Some of these disorders are microsleep, sleep inertia, DSPS, hypersomnia and sleep drunkenness. If you are still tired after 8 hours of sleep, one of those disorders may be the underlying cause. There is no cure for most of these disorders, but there are ways to significantly reduce the symptoms. Sleep debt is another reason for excessive sleepiness, and you can get rid of accumulated fatigue with enough rest.
Will sugar from chocolate kick in and prevent me from sleeping?
You can find chocolates that contain more than 80% cocoa and such chocolates have a very small amount of sugar. But every hot chocolate has significantly more sugar because chocolates with a lower percentage of cocoa are usually used, sugar is added and milk also contains sugar. This will probably make you wonder if it can cause a counter-effect and give you an energy boost instead of calming you down.
This is certainly a real concern because it can happen that hot chocolate keeps you awake if you put in too much sugar. Fortunately, you can make this perfectly tasty drink with a significantly lower amount of sugar, so you will avoid the problem of spike in energy, and you will also make hot chocolate healthier.
There are several ways to do this. The first way is of course to put as little extra sugar as possible. Same applies to additives like marshmallows and cream you should completely avoid since it is sweet enough. Then, use chocolate with a higher percentage of cocoa or pure cocoa powder. Also, avoid drinking hot chocolate just before going to bed.
Drink it an hour or two earlier, so that your body has enough time to process the sugar. If you like hot chocolate to be very sweet, then consume it once or twice a week, not more often, both for the sake of sleep and overall health.
Is there an alternative to hot chocolate before bed?
Yes, there are alternatives to hot chocolate before bed. But we have to warn you! No alternative is nearly as delicious as hot chocolate. Nonetheless these alternatives can be equally or even more effective to aid sleep.
The most effective sleep supplement is melatonin. We have already mentioned the role of melatonin and how the body secretes it naturally. Melatonin supplementation can certainly help you feel asleep faster and on time. Warm milk with vanilla and cinnamon can give similar results as hot chocolate. Valerian is the plant that is the most effective natural sleep remedy. Some find chamomile , turmeric and rooibos tea useful as well. If you are a bit old fashioned, try mulled hot cider, but if you plan to consume it often, our advice is to choose non-alcoholic cider.
What do I get from hot chocolate if I drink it before bedtime?
We guess you want to find out if drinking hot chocolate before bedtime has some other benefits besides helping you fall asleep easier. We have great news. Hot chocolate typically will do a few more very beneficial things for you, while enjoying the taste. It is important to remember that you get all these benefits if you prepare hot chocolate yourself and use quality ingredients. If you opt for hot chocolate powder you will ingest preservatives and additives, and you can forget practically everything we have listed as benefits.
You will drink sweet, warm beverage, which can sometimes help you sleep, but in general you should avoid them. Buy unsweetened cocoa powder, low fat milk or even almond milk / coconut milk, dark chocolate and brown sugar and the results will be perfect.
Mood boost
It's no secret that you sleep much better when you are in a good mood than when you are depressed. Low mood can cause insomnia even if you feel very tired. Hot chocolate will not solve all your problems, but it will certainly make you feel better. If the low mood period lasts a long time, then you should consult a doctor because there may be a medical condition that needs to be treated, such as central sleep apnea, obstructive sleep apnea or thyroid problem.
Removing stress
Everyday life is filled with stressful events. These are not always very stressful events, but they are constant. So a traffic jam or something like that can completely ruin our day. Anxiety worsens in the evening, making the stress even more pronounced. As with mood boost, hot chocolate can help you reduce stress, calm down central nervous system and fall asleep without nighttime worrying.
Rich in antioxidants (only dark chocolate)
We are constantly exposed to pollution. Free radicals are all around us, and these unstable molecules can cause chain chemical reactions in the body which leads to various health problems. Antioxidants are very important for protection and recovery of our cells after exposure of our body to harmful effects of free radicals. Dark chocolate is very rich in antioxidants, so we recommend that you choose dark chocolate that contains 70 or more percent cocoa – the more the merrier.
Antibiotics have been used for almost 100 years and have reduced the number of deaths caused by bacteria many times over. As bacteria are the most common cause of sinusitis, then antibiotics are usually the best solution. But antibiotics are not OTC and you need to get a prescription from a doctor to buy them and start using them. Although very effective, they usually take a few days so don't worry if you don't feel better after a few hours. Be patient and use symptomatic therapy until antibiotics cure you.
Are there any downsides of drinking hot chocolate before bedtime?
Yes, there are few downsides of drinking chocolate before bedtime. It probably won't ruin your night's sleep completely, but it can cause you some problems for the first hour or two after you go to bed. If you have a problem with excessive secretion of gastric acid, for example, be careful.
Cocoa certainly does not contain the same amount of caffeine as coffee or green tea, but a larger amount of hot chocolate can act as a stimulant. The amount of caffeine in hot chocolate is up to 10 times smaller compared to coffee, but there are people who are very sensitive to caffeine and even a small amount can disrupt their night's sleep. Coffee and energy drinks should be avoided after 3 PM and limit your daily intake, otherwise you may be tired but will not be able to fall asleep.
We have considered whether we should mention theobromine in this part of the text. We were reluctant to classify theobromine in the same part as caffeine, because theobromine also has positive effects. Theobromine is a muscle relaxant and that's a plus. But this alkaloid also has one downside. The body can react to it similarly like when you consume caffeine, although there are no studies that have proven the role of theobromine as a stimulant.
We've already talked about how sugar can give you an unwanted energy kick that affect sleep. That's not the only way sugar can cause problem. If you suffer from diabetes, then you should absolutely avoid consuming sugar in the evening, which includes hot chocolate. Healthy people should avoid excessive stimulation of the pancreas too.
Conclusion - will chocolate help me sleep better?
Achieving deep sleep is of the greatest importance for our overall good health. We try to have a good night's sleep in different ways. The lucky ones just go to bed, fall asleep quickly and sleep for 8 hours. Many others need something to help them fall asleep. Implementing a bedtime routine into your schedule can help significantly. A bedtime routine can be anything, such as reading a book, drinking warm milk or hot chocolate.
Hot cocoa is something that everyone adores since early childhood. What many do not know is that it has many health benefits and should therefore be consumed. By using premium ingredients, you will be sure that hot cocoa will be beneficial, and that you will avoid various additives that are added to ready-made products such as milk chocolate. Too much sugar is also harmful, so try not to add sugar at all or add very small amount.
When you make high quality hot chocolate from low fat milk, unsweetened cocoa, dark chocolate, vanilla extract and cinnamon, all you have to do is to enjoy a glass of your favorite beverage before you doze off.
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When many folks think about vacations, they think about reserving a week or more of time off of work, booking flights and tours, and waiting in anticipation for months until the big day arrives. While there is nothing really wrong with this point of view, there are several issues with it:
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"Two roads diverged in a wood, and I – I took the one less traveled by, and that has made all the difference." – Robert Frost
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Your Guide To The Reasonably priced Care Act
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How to Organize for a Great Outdoor Movie Event
When planning an event, you are definitely going to experience loads of challenges. Event planning is either going to be easy if it is a common event or a hard if it is an event that most people do not know about. The planning stages of an event like a wedding can be handled by many people as they have been to weddings before and they know what it should be like. On the other hand, most people do not know what to deliver in the rare events that are specific to some locations or those that occur only once in a while. Find out for further details right
This is a common thing in the outdoor film industry. It could either be a film festival or an outdoor park movie. It is a big challenge for first time planners whoa re not quite familiar with industry variables like crowd size, venue popularity and ambient noise. Although these ones may be a bit obvious, you need to consider a number of things if you want to host a successful outdoor movie. This site provides you with a detailed guide on how to plan for an outdoor movie event to ensure that it is going to be a world beater. Learn more about
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What is a 'General Ledger'
A general ledger is a company's main accounting records. A general ledger is a complete record of financial transactions over the life of a company. The ledger holds account information that is needed to prepare financial statements, and includes accounts for assets, liabilities, owners' equity, revenues and expenses.
A general ledger is typically used by businesses that employ the double-entry bookkeeping method - where each financial transaction is posted twice, as both a debit and a credit, and where each account has two columns. Because a debit in one account is offset by a credit in a different account, the sum of all debits will be equal to the sum of all credits.
BREAKING DOWN 'General Ledger'
A company's general ledger can either be a physical book into which credits and debits are posted, or an accounting computer program where the various credits and debits are entered. The general ledger's double-entry bookkeeping requires that each transaction will be entered on the left side, or debit side, of one account and simultaneously on the right side, or credit side, of another account. A general ledger is used to prepare financial statements directly from the accounts, and as a means to identify errors and/or instances of fraud.
Asset LedgerThe part of a company's accounting records that detail the journal ...
Liability LedgerThe central file that contains a comprehensive list of all of ...
Accounts Receivable Subsidiary ...An accounting ledger that shows the transaction and payment history ...
Credit TicketIn accounting and bookkeeping, a credit ticket is a transaction ...
Accounts Payable Subsidiary LedgerAn accounting ledger that shows the transaction history and amounts ...
Due From AccountAn asset account in the general ledger that indicates the amount ...
What's a General Ledger?As the heart of the double-entry accounting system, the general ledger is the record of a company's entire financial transaction history. The left side of the general ledger is for debits: assets, ...
What Does Debit Mean?Debit is an accounting term used to refer to the left side of an accounting journal entry. Each debit must be offset by an equal credit entry.
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Accounting Basics: The Accounting ProcessBy Bob Schneider As implied earlier, today's electronic accounting systems tend to obscure the traditional forms of the accounting cycle. Nevertheless, the same basic process that bookkeepers ...
Explaining Double Entry AccountingDouble entry is an accounting and bookkeeping term describing the method of entering transactions into the accounting records.
Financial History: The Evolution Of AccountingFollow accounting from its roots in ancient times to the profession we now depend on.
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Accounting Basics: The BasicsBy Bob Schneider The Difference Between Accounting and Bookkeeping Bookkeeping is an unglamorous but essential part of accounting. It is the recording of all the economic activity of an organization ...
Explaining the Accounting EquationThe accounting equation is the basis for double-entry accounting, and requires that every business transaction affect two accounts equally.
How To Read a Permanent Life Insurance IllustrationTo help you understand your life insurance policy, companies provide a permanent life insurance illustration. Here is how to read and understand it.
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Bitcoin's Blockchain Technology Tested by 40 BanksBanks have been among the first to look at the benefits of the cost advantages and efficiency that blockchain technology offers them.
Credit & Loans
The Downsides Of Debit CardsThe convenience of debit cards makes them a popular method of payment, but here are some downsides to consider.
What is double entry bookkeeping and how does it work in the general ledger?Learn about the double entry method of bookkeeping and how it works in the general ledger. Every accounting transaction has ... Read Answer >>
What's the difference between the general ledger and a general journal?Keeping records for most organizations require a double-entry bookkeeping system, which revolves around transactions in the ... Read Answer >>
What is the best general ledger software for small businesses?Learn more about accounting software and general ledger features. Find out how to choose the right program for small business ... Read Answer >>
Why do accountants use debits and credits instead of simple pluses and minuses? Why ...Debits and credits, and the technique of double-entry accounting, are credited (no pun intended) to a Franciscan monk by ... Read Answer >>
What happens when my bank account is debited?Understand the process that takes place when your account is debited. A debit to your account happens when you use funds ... Read Answer >>
Who uses debit notes in business transactions?Read about the types of parties that are most likely to issue or receive a debit note in the normal course of business-to-business ... Read Answer >>
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Calpella, CA Homeowners Insurance
Get cheap home insurance in Calpella, CA within minutes. Enter your Zip and we will locate the top-recommended home insurance carriers in your area. Homeowners insurance in Mendocino doesn't have to be expensive. If you shop with us, you can compare multiple options and save hundreds of dollars on your annual premium.Your home is one of the biggest investments that you will ever make. If you want to protect that investment, you will want to make sure your home is properly insured.
A home insurance policy can protect you in a number of ways. It can keep you from paying legal fees if someone sues you because of an incident that occurred in your home. It can allow you to replace items that were stolen from your home.
With that said, not all insurance policies provide the same level of protection. Here are a few things you should keep in mind when comparing your Calpella home insurance options.
Look For A Company That Is Well Established
Insurance companies are supposed to protect you. If you want to be able to rely on that protection, you will have to ensure that the company you work with is extremely stable.
Seek out insurance companies that have been in business for a long time. Look for a company that is known and respected in the industry. Make sure that they will be there if something goes wrong.
Find A Provider That Is Easy To Work With
However, it isn't unheard of for insurance companies to give their clients the runaround. Stay away from companies that engage in this kind of bad behavior. Instead, work with companies that are easy to get in touch with.
Look For A Company That Can Help You To Save
Insurance premiums can be fairly high. It is only natural that you would want to save as much as you can.
You may want to seek out quotes from several different insurance companies. You can compare the quotes you have been given so that you can find the company that is giving you the most for your money.
There are plenty of ways to save on insurance costs. If your premiums are too high, seek out a company that will charge you less.
Consider BundlingIt is likely that you are already paying to ensure something else that you own. For example, it is likely that your car is insured.
If you already have one insurance policy, you can save money by getting additional policies through the same company. Insurance companies want your business, and they are willing to offer you savings in order to get it.
Check to see if you can get home insurance through your current insurance provider. If you can, you should definitely look into that option.
We need to insure the things that are most valuable to us. If your home is insured by a great company, you won't have so much to worry about. You will know that you have coverage of a worst-case scenario occurs. A solid insurance policy can really give you some peace of mind.
More Cities in California:
You by no means genuinely know just how much insurance policies you want or what you need it to include in your property until you examine the entire coverage. Prior to you do decide on a plan, nevertheless, make certain that you read through the suggestions offered to you in this write-up. They will help you out in creating an informed selection.
You can lessen your premiums. Renovations to the home could alter your insurance premiums so make certain you are fully informed of the information before you decide on your renovation materials.
Placing an addition onto your home will increase your homeowner's insurance policy costs because there is now far more home to insure. Lessen the improve by becoming smart with your developing options. If you can prepare for metal-framed design, you may possibly be able to shell out considerably less by choosing this less-flammable material. Think about the new roof's fireplace rating as properly.
If you need to file a assert with your homeowner's insurance coverage firm, do so instantly. Swiftly respond to any request for info as completely as you can. The more details the insurance firm has, the faster they can approach your claim. Also, considerably injury experienced by properties will only worsen with time, meaning that if you allow it sit, the price will be higher.
Insuring a vacant property is quite high-priced, as a vacant home is a magnet for vandals. Vacant residence insurance coverage can price much more in a thirty day period than normal home owners insurance policies costs for a year. If a loved ones member are unable to remain at the residence, contemplate renting the home out, or trade cost-free rent for house sitting down providers to avoid getting a property sit idle.
When getting insurance policy for your real estate you should talk to several brokers prior to producing the choice. Most agents can give a discount for several guidelines currently being created for one particular consumer so the thought that they might get all your organization would have some currently being more competitive on the fee.
To reduced your property owners insurance policies, you must have a safety program put in. A security system must be linked to central station or a law enforcement station. To have your insurance policies priced reduced, you will, most very likely, have to provide evidence that your method is up and operating. This could reduce your annual top quality by five p.c.
Check any coverage that you are intrigued in for a "confirmed alternative benefit" and only acknowledge the deal if it is applicable. This ensure stops your lost house from becoming replaced with a mobile house. It will permit you to rebuild a similar residence in the celebration that your residence is wrecked and need to be rebuilt.
If your homeowner's plan has been in effect for three years or much more, it is time to review your coverage. Because of to shifting market problems and substitution fees, you need to be certain you have ample insurance policies in the event of reduction or hurt to your home. You must take into account the expense of possibly rebuilding your residence and be specified you have adequate protection to just take care of that.
As said before, residence owners insurance policies is a type of protection that every single house proprietor need to have. The insurance coverage handles house harm these kinds of as fire and other house related incidents, such as theft. Use the useful tips from the write-up above when you are taking into consideration buying house homeowners insurance policy.
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Malaysians Take Dental Care Too Lightly
When was the last time you went for a dental check-up?
Malaysians take visiting dentist too lightly. Most of us go to a dental clinic to seek treatment only when there is a problem. We need to change our mindsets and believe that prevention is better than cure, and regular dental visits are the key to achieving a healthier lifestyle. Oral care habits should be groomed from the very beginning, at a very young age of life, for example from school and at home.
Attaining and maintaining oral health requires the commitment of both self-care and professional care. Self-care is mentioned to daily care like brushing twice and flossing every night before sleep. Meanwhile visiting the dentist regularly for an oral check will help in maintaining the cleanliness of our teeth and also to prevent dental problems from developing. To put it in a nutshell, a complete care includes visiting a dentist for regular check-ups and maintaining good home care routine.
According to the National Oral Health Survey in 2010, only 27.4% of adults had a dental visit in the last one year. The most common reasons for not going to a dentist were cited as "no problem" (67.7%) and "too busy" (9.3%), while 32.9% of adults perceived a dental visit as a "fearful experience". Based on a recent study conducted by the ministry of health in 2016, 9 in 10 Malaysian adults experience periodontal disease (gum and teeth supporting structures) and dental caries. 40-75% of school children had dental caries, 76% of five-year-olds had experienced dental caries and 7% of adults in Malaysia had lost all their natural teeth. These are some statical value of why public awareness on the importance of seeking dental care as a prevention measure has to be intensified.
Therefore we should be able to educate and encourage the younger ones to stop neglecting dental visits as part of their oral health care habits. Oral health awareness can be raised among kids by encouraging them to use an appropriate toothbrush, proper brushing techniques and also to start using floss on daily basis. Besides that, as a parent or guardian, we should encourage kids to attend dental activities conducted in school or other dental campaigns conducted.
Neglecting oral health can lead to oral diseases like periodontal diseases, dental caries, malocclusion, and oral cancer which are of major public health concern owing to their higher prevalence and their effects on the individual's quality of life. According to the World Health Organization (WHO), promotion of oral health is a cost-effective strategy to reduce oral disease and maintain oral health and quality of life. Therefore a large ratio of these diseases can be prevented at individual and community levels by providing oral health-related education. This will help improve oral health attitude and practices among the general population.
With that, it is crucial that Malaysians not take dental care too lightly and only think of the dentist when pain becomes unbearable. Preventive dental care has to be given more attention along with the focus on health education and promotion should be given prime importance.
About The Contributor
Dr. Yogesh is a diligent dentist at Dutamas Dental Clinic with 4 years of extensive experience in oral and maxillofacial surgery and paediatric dentistry. Dr. Yogesh initially spoke to us about nitrous oxide or The Laughing Gas to help with your anxiety. Since then, Dr. Yogesh has been our contributor by writing articles to help educate the public and spread awareness regarding dental health. Read her other articles here:
Make an appointment right away or simply walk-in and talk to their friendly staffs. Also, visit their website and follow them on Facebook and Instagram for more updates.
Dutamas Dental Clinic
A3-1-8, Publika, Jalan Dutamas 1, Solaris Dutamas, 50480 Kuala Lumpur.
Email: [email protected]
Tel: 03-6206 3554
Mobile: 019-244 0653
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Do Not Make These Errors!When it comes to web marketing, there are a couple of giant web marketing errors that can ruin the entire reason for internet marketing in the very first location. Here are a few online marketing errors you will wish to prevent at all expenses:Not having an internet marketing target. This is a major online marketing… Read More
5 Minute Guide to Video Editing for BeginnersGetting going with video modifying is really simple you only require a couple of items and you can be producing quality motion pictures in the house that you will be able to delight in for several years to come. Maybe even produce a hit Hollywood film.The basic products you require are a video ca… Read More
Don't Make These Errors!When it concerns online marketing, there are a few giant internet marketing errors that can destroy the whole reason for internet marketing in the very first location. Here are a few web marketing errors you will want to prevent at all costs:Not having an online marketing target. When attempting their hand at interne… Read More
Don't Make These Mistakes!There are a few huge web marketing mistakes that can ruin the entire factor for web marketing in the very first location when it comes to internet marketing. Here are a couple of online marketing mistakes you will wish to prevent at all costs:Not having a web marketing target. This is a significant online marketing… Read More
Advantages of Web Video Marketing and Animated VideoVideo marketing isn't practically assembling pieces of clips to promote a brand name. Video marketing is everything about recording what the audience wishes to see, and what the brand has to be. Videos, as compared with other multimedia platforms, cultivate engagement and increase audienc… Read More
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Ed Dept. bars S.I. advisor destitute for slapping epileptic child
The executive of a Staten Island summer module indicted conflict an epileptic child and covering a child's face with his hands has been barred from operative in city schools, a Education Department pronounced Saturday.
Robert Busan was cuffed during Public School 861 in Graniteville 2:15 p.m. Friday after military pronounced he put his hands over a 10-year-old's mouth and nose.
Police sources pronounced that a 64-year-old was perplexing to still a child after he slapped his hand.
Education Department orator Michael Aciman pronounced Busan will not be returning to work in city classrooms.
S.I. advisor destitute for conflict epileptic child
"These allegations are deeply discouraging and this particular is no longer authorised to work in Department of Education schools," Aciman said.
But one primogenitor whose child attends a stay pronounced that her son told her Busan had playfully slapped a boy's palm and squeezed his cheeks during a H2O balloon fight.
"It was some-more like a daub on a palm than a hit," pronounced a parent, who declined to give her name. "And he never lonesome a boy's mouth or nose whatsoever."
She pronounced her son told her that Busan had educated a child to stop and listen and a child ran off crying.
S.I. lady and her mom sue Education Department over pig conflict
"He is a good teacher," she added. "My kids adore him."
Busan is a executive of a summer stay hold in a propagandize run by a nonprofit New York Center of Interpersonal Development, according to a organization's website.
The center's executive executive did not respond to requests for criticism and Busan could not be reached.
Send a Letter to a Editor Join a Conversation: facebook Tweet
Short URL: http://usmorning.net/?p=45055
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A Message from Reclaiming Earth Committee
In a recent essay found in the winter issue of Kosmos, author Bruna Kadletz writes about her experience of living and volunteering in Brazil saying: "In a world broken by sharp inequality, wars, and climate change, those living in the landscapes of destitution are stripped of their humanity and dignity daily. We need a new story for people dispossessed by the dominant narrative. We need to humanize the lived experiences of people forced to flee their homelands, of people living in extreme poverty, of people who are excluded in our societies. We need stories that not only celebrate our interconnectedness and care for the soul of humanity, but also acknowledge the voices and contributions of those living in the landscapes of destitution. A humanitarian narrative rooted in oneness and love recognizes the intrinsic value of all life forms. As we widen the humanity circle, we weave together the threads of love, belonging and caring for the soul of humanity." (https://www.kosmosjournal.org/kj_article/caring-for-the-soul-of-humanity/)
In the same issue of Kosmos, Wendell Berry was interviewed by Allen White. Some of what Mr. Berry said is in the following: "My little neighborhood of Port Royal is dependent on the earth. The earth is dependent on the universe. But in a way, the planet—people love to talk about the planet—is somewhat theoretical. There are millions of places on this planet that I don't know at all. But I have to be ready, if my love and knowledge of this place has spoken to me, to receive people coming from those other places, and say, 'Look, these little places need to become a common cause'. That would lead to conversation, the kind of conversation that I long to see take place. It's imaginable insofar as we can develop the vocabulary, the way of talking, to convey our own particulars to other people" and to understand their particulars." (https://www.kosmosjournal.org/kj_article/for-love-of-place-reflections-of-an-agrarian-sage/)
What conversations have you enjoyed lately? Can you see the common thread in these quotes? Do we listen to the stories of others, even those we may not like? Do we know our own story? To paraphrase a quote from Ms. Bruna Kadletz: How are you caring for the soul of humanity?
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7 votes
How to make a Halloween creepy kit9 votes
Kitchen knife made by cooking sand in a microwave oven12 votes
A thread for horrible puns
By clicking this link and reading this topic, you find yourself under a grave and terrible thread. The only way to defend yourself here is to lower yourself to punitive measures, and engage in...
By clicking this link and reading this topic, you find yourself under a grave and terrible thread. The only way to defend yourself here is to lower yourself to punitive measures, and engage in wordplay in mass corruption. All is fair in pun and warfare, but do remember your actions are your pwn, and that there are no winners here. Only broken arts, and shattered themes.
(Just make puns.)15 votes
What's the fastest / craziest way to model an arrow in Blender?7 votes
If Jane Austen Got Feedback From Some Guy In A Writing Workshop8 votes
Lessons from the writer's room: With advice from comedy vets, you can help make meetings more effective.5 votes
Proposal: Weekly neologism thread
I'm a terrible writer, in part because I've got that epistemophiliac adoration for obscure, archaic or onomatopoeic words, word-play, and more pedantry than most audiences can bear. That being...
I'm a terrible writer, in part because I've got that epistemophiliac adoration for obscure, archaic or onomatopoeic words, word-play, and more pedantry than most audiences can bear.
That being said, I think it would be a fun exercise to create and justify new words. A broad range of examples can be found here.
I'm suggesting this both to give serious writers new tools, and as a light-hearted lower-but-not-low effort community-building exercise to include those who don't consider themselves writers yet.
- Any subject matter, though I'd prefer we kept this SFW.
- The "logos", or rationale, of the neologism should need little explanation, or be presented in the context of usage, e.g. "asshat", "we're not leaving town, we're staycationing this year."
- English language is not required - if you can make a logical creole word and provide English justification, that's fine.
- Please Google to ensure originality.
- Puns are going to happen. If that's a problem for you, please refrain from complaint unless you feel there's unnecessary cruelty outside the bounds of Tildes' terms of use.
Here's a starter:
mortlifting - abusing the occasion of a celebrity's death to make an unrelated political point.7 votes
This is just a fun little part of a story I put together a little while ago. Might go somewhere later, but probably not. The symbols looking like: [^1] are footnote links. (Pandoc's format, a kind...
This is just a fun little part of a story I put together a little while ago. Might go somewhere later, but probably not.
The symbols looking like: [^1] are footnote links. (Pandoc's format, a kind of extended Markdown).
Edit: It may be easy to read as rendered html
A leaf was slowly falling towards their face.
It was golden, three-tongued, and burning with fire.
Last one wasn't hyperbole.
It was all sort of their fault.
But then, everything always was.
That's why everyone called them Slag.
The trees hadn't always been on fire, but they had been on fire before.
That had been their fault too.
Being the smallest Ork in a tiny Orkin village, reporting to a tiny Orkin warlord who somehow believed he had the brass balls of a god, Slag wasn't exactly well cared for.
Their name was their job. They were an Ork, after all.
The blacksmith beat the metal, made the weapons. Tossed the slag in a pile.
Molten metal twisted and smouldered, and Slag would grab it by the handful, and toss it into a cauldron of water, and when that was full, kick it down the hill into the dumpsite.
When the dumpsite was full, Slag would summon the demon, who would demand some strange price, then vanish with the lot.
The demon's prices weren't helping their standing with the rest of the tribe.
Like today.
Slag craned their neck, looking up at the red fiery, and rather horned creature, "Say again?"
The deep earth-rumbling voice laughed, "I want you to sing! Sing like a girl! Like a tiny little human girl!"
Slag winced, "I am a girl, demon." [^1]
The creature blinked in surprise, "You? Little squelchling?"
Slag shrugged, "I'm a girl. I don't got tits... I ain't pretty. But I am."
The demon winced, "Figure out which god cursed you little girl... After you sing."
Singing? An Ork?
The demon would go, and she'd be blamed there was no room in the dump, and then the Orklord would be in her face. Again.
Then threaten to marry her to his son. Again.
She blanched.
The demon laughed, "Last chance, little orkling."
She coughed nervously, and then a squeaking voice emerged, singing a quiet rhyme she'd overheard one day.
Something about stars and diamonds. Humans were weird. [^2]
Unfortunately, her voice was less like a starlet, and more like diamonds scraping across sandglass.
The demon shreiked and disappeared back into their realm.
Without the slag.
She winced, glancing towards the village, "Orkcakes."
A hand like iron clasped her head, "Slag."
She smiled weakly up at her father, and at his one eyes staring out from a bushy grey beard. [^3]
The warrior released her and spoke gruffly, "Was that you singing, again?" [^4]
She blushed, looking down in shame, "The demon's price."
The old man groaned and reached for a whip on the wall, "Please tell me he took the slag."
"I don't lie, father." She answered. [^5]
He winced and glared at the doorway, unravelling the whip, preparing to hit the next person who came in. "Go to you room, Slag."
"It's my honour." She crossed her arms, pretending not to notice that her chest didn't show any bigger, "I want to defend it."
"Now, Slag." He growled through his tusks.
She turned and moped away into her bedroom.
She couldn't fight, all she could do was listen to the glorious blood-curling screams as the emissaries dies. [^6]
Slag picked some metal from beneath her fingernails and flung it into the wall, pinning a fly by one wing. [^7]
It wasn't fair.
She wanted a real fight.
Why did boys get all the fun?
The guts and the murder?
All she got was... Slag.
An axe blade broke through her wall briefly, before being pulled back quickly, followed by a strangled sound.
She rolled her eyes and flopped onto her straw bed, staring at the ceiling tiredly.
Humans made life look so simple.
Find a man, get pregnant, take care of the litter until you died.
Just cooking, singing and cleaning.
She licked the edge of her tusk, yawning. This was going to be another, she must get married because she's useless argument with the Orklord. Which would inevitable lead to my son is too stupid, fat and ugly to possibly get married, and then... Ew.
She didn't want the bastard.
He certainly wanted her though, all drooling and slurping.
She wanted to be a Knight. [^8]
That was it. All of it. Her only dream.
A glorious warrior, protecting the weak, hunting the monsters that pray on people in the dark. [^9]
Her sword would have a name, and glow with power when evil was near. [^10]
She would yell out it's name, and light up the dark.
Then she'd kill the bad guy, cut off his head, and ride home with it, and stake it to her wall. [^11]
[^1]: Really? Wow. Never would have guessed... But orks are always hard to apply gender to.
[^2]: Understatement. What other species looks around themselves in wonder and decides blowing stuff up is the best way to get something out of the ground?
[^3]: Stories on exactly how he lost his eye vary. Most involve a dragon, a bet, and a gallon ale. And perhaps a wet, old sock.
[^4]: Oh gods. She'd tried to sing before? Had birds died?
[^5]: Not strictly true. She did lie, but only about unimportant stuff. Like what she wanted for dinner. Or what job she wished she had. Or who she wanted to marry. Nothing big.
[^6]: It's an Orkin thing. Send some messenger to die when your upset with your opponent, and then turn up when their bloodlust was sated. Good way to not die.
[^7]: She was a practiced hand at this now. Sociopath, or bored teenager? Let the public decide! Blast her in this week's Orks magazine!
[^8]: ... Should someone tell her human knights usually hunt down orks?
[^9]: So... Hungry orks. Seriously. Someone should tell her.
[^10]: So, it would always be lit up. Because you're on Ork, girl.
[^11]: Oh geeze. Are you the hero, or the villain, Slag?4 votes
Ramses Rambles: Teenage Mutant Ninja Turtles9 votes
Obvious classic appropriation humor :)7 votes
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Optimal Workouts for Effective Weight Loss Journey
Optimal Workouts for Effective Weight Loss Journey
Embarking on a weight loss journey requires more than just a desire to shed pounds; it demands a strategic approach to workouts. Let's delve into the world of the best workouts that not only burn calories but also sculpt a healthier, fitter you.
Cardiovascular Power: The Foundation of Weight Loss
Cardiovascular exercises form the bedrock of any effective weight loss plan. Activities like running, cycling, and swimming elevate your heart rate, torch calories, and improve overall cardiovascular health. Incorporating these into your routine ensures that you're not just shedding pounds but also enhancing your endurance and stamina.
High-Intensity Interval Training (HIIT): Turbocharge Your Metabolism
For those craving an efficient and time-effective workout, HIIT is the game-changer. Alternating between short bursts of intense activity and brief rest periods, HIIT not only burns calories during the workout but continues to rev up your metabolism post-exercise. It's a turbocharged approach to weight loss that maximizes results.
Strength Training: Building Lean Muscle Mass
Don't underestimate the power of lifting weights in your weight loss journey. Strength training not only builds lean muscle mass, boosting your metabolism, but it also contributes to overall body toning. Compound exercises like squats, deadlifts, and bench presses engage multiple muscle groups, creating a sculpted physique.
Pilates and Yoga: A Fusion of Strength and Flexibility
While often associated with flexibility, both Pilates and yoga offer significant benefits in a weight loss regimen. These practices improve core strength, enhance flexibility, and promote mindfulness. The mind-body connection established through Pilates and yoga can lead to better food choices and a more balanced approach to weight management.
Functional Training: Real-Life Fitness for Real Results
Functional training focuses on movements that mimic real-life activities, making it not only effective for weight loss but also practical for daily living. Exercises like lunges, squats, and functional movements engage multiple muscle groups, contributing to calorie burn and improved functional fitness.
Dance Workouts: Fun and Effective Fitness
Who said workouts can't be fun? Dance workouts combine the joy of movement with the effectiveness of calorie burning. Whether it's Zumba, hip-hop, or any dance-based workout, the rhythm and energy make these sessions feel more like a celebration than an exercise routine.
Circuit Training: Maximum Impact in Minimum Time
Circuit training combines cardiovascular and strength exercises in a series of timed intervals. This high-paced approach ensures that you get a full-body workout efficiently. It's perfect for those with a busy schedule, offering maximum impact in minimum time.
Swimming: Dive into Weight Loss Success
A low-impact yet highly effective workout, swimming engages various muscle groups while being gentle on the joints. The resistance of the water adds an extra challenge, making it an excellent choice for those looking to shed pounds without subjecting their bodies to high-impact stress.
Rowing: Full-Body Engagement for Weight Loss
Rowing is a full-body workout that not only burns calories but also builds strength and endurance. It engages the legs, core, and upper body, providing a comprehensive workout. The rhythmic
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Osho continues:
"Nothing will come before.
"This Zen anecdote looks absurd but it is very meaningful. The master, the monk, used to call himself – this is what meditation means, calling yourself – he used to call his own name. He would say, 'Are you there?' And he himself would reply, 'Yes sir, I am here.' This is an effort, a peak effort, to be alert. You can use this, it will be very helpful. Suddenly, walking on the street, you call yourself, 'Are you there?' Suddenly thinking stops, and you have to answer, 'Yes sir, I am here.' It brings you to a focus when thinking stops and you are meditative, alert.
"This calling to oneself is a technique. Going to sleep, putting off the light in the night, suddenly you call, 'Are you there?' And in that dark-ness alertness comes. You become a flame and inside you answer, 'Yes, I am here.'
"And then the monk used to say, 'Sober up!' Be sincere, be authentic; don't play the game. He used to call to himself, 'Sober up!' And he would reply, 'Yes, I will make every effort that I can.'
"Our whole life is a fooling around. You can do it because you are not aware of how you waste time, how you waste energy – how finally life is wasted you are not aware. It is going down the drain. Everything is going down the drain. Only when death comes to you, you may become aware, alert: What have I been doing? What have I done with life? A great opportunity has been lost. What was I doing fooling around? You were not sober. You never reflected upon what you were doing.
"Life is not just to pass, it is to reach somewhere deep within you. Life is not on the surface, it is not the circumference, it is the center. And you have not reached to the center yet. Sober up! Enough time is already wasted. Be alert and see what you are doing. And what are you doing? Searching for money? It is finally, ultimately useless. It is again a game, the money game. You have more than others, you feel good; others have more than you, you feel bad."
In this title, Osho talks on the following topics:
answer… meditation… others… gratitude… roots… pattern… goal… alexander… maharishi… rothschilds
answer… meditation… others… gratitude… roots… pattern… goal… alexander… maharishi… rothschilds
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How to Get Started on Chaturbate
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To get a glimpse of the chat rooms of Chaturbate models, it 's crucial to be conscious of what you 're purchasing. You 'll be able to tell how much cash you 're spending by how many tokens you see listed for a specific model. How To Download From Chaturbate Webcams
If you like a design, you can make a good amount of cash from her. The designs receive 50% of the cash earned from their broadcasts. Each design can set their own tipping menu.
Although models are permitted to charge what they desire, it 's generally more affordable to go private than to pay a model face to face. The typical cost of a private program on Chaturbate is between $0.50 and $7 per minute, and a lot of models charge between $2.50 and $4 per minute. This is equivalent to other competing websites. Many models on Chaturbate are amateurs. While the payment for a private program on Chaturbate may be smaller sized than on competing sites, the revenues are still substantial and worth the difficulty.
Chaturbate Chat Rooms
There are lots of ways to discover individuals on Chaturbate. There are online and offline chatroom for every single taste and subject. You can even search by a particular hashtag to discover individuals who resemble you. In any case, the key is to make your space topics clear and appealing. Keep in mind that the thumbnail is king on Flirt4Free and Chaturbate. The more detailed the space 's subject, the most likely individuals are to click it. How To Download From Chaturbate Webcams
It is possible to discover couples on the site, it 's best to be careful and inspect out each person 's profile thoroughly. Usually, chaturbate is 100% safe, however it 's never ever a good idea to attempt it out unless you are comfortable with exposing yourself to strangers. Chaturbate has a number of features that are created to assist individuals enjoy their experience on the site.
And if you 're looking for a date, this is an excellent site to fulfill someone. If you 're not prepared to pay for premium content, you can always opt for free chat spaces instead.
While Chaturbate is totally free for amateurs, there are numerous professional sex entertainers on the site. It 's crucial to keep in mind that you should never utilize the website as a service if you plan to make money from it. This kind of habits will mess up the neighborhood 's enjoyable.
If you 're wanting to start on the Chaturbate website, you might be questioning how much it costs to play. Normally, there are two ways to purchase tokens on the site. One is to buy one for $0.08 and the other is to buy more than one for $0,089. Topping up your account is an excellent method to treat yourself to more chat sessions, and you can likewise increase your costs limitations after verifying your subscription with some files. How To Download From Chaturbate Webcams
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A lot of models permit you to record their programs for free, but for private encounters you have to pay. Fundamental members and visitors are not enabled to take part in personal sessions, but you can buy tokens. Fundamental members and visitors are essentially spectators. To register on Chaturbate, click the link listed below. You can pay in Tokens by buying a show ticket. You can also use these tokens to purchase merchandise and gifts for the designs.
It 's best to start at the low end if you 're thinking of utilizing your credit card on Chaturbate. This will let you take pleasure in the website 's up and coming models for only 6 tokens per minute. If you 're looking for the most costly performers, you 'd much better think about paying more for a greater tier. Chaturbate 's prices structure also makes it simple for you to handle.
While the system is not innovative, the advantages of paying to view models are substantial. While fundamental members can enjoy free access to all programs, premium members can get access to unique features, such as competitors. Chaturbate costs are reasonable for tippers, and the site is significantly resembles a neighborhood. The models on Chaturbate are frequently eager to comply. In addition to the premium features, Chaturbate is an excellent location for HD live porn.
In addition to being totally free, Chaturbate also adheres to the "free " web cam website model. Some of these designs have noticeable "tails " that you can see. To get a glance of the chat spaces of Chaturbate models, it 's essential to be conscious of what you 're purchasing. You 'll be able to tell how much cash you 're spending by how many tokens you see listed for a specific design.
If you 're believing of using your credit card on Chaturbate, it 's finest to start at the low end.
How To Download From Chaturbate Webcams
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In March of 2015, many publications – including USA Today – posted articles regarding a study done by the Insurance Institute of Highway Safety on which old cars, trucks, and SUVs had the most driver deaths from 2006-2009. These stats could be handy for people shopping for older used cars.
Two takeaways were of interest. The first:
SUVs have far lower driver deaths on average than cars and trucks.
The reasons? "With the propensity to roll over reduced [thanks to Electronic Stability Control being more widespread], SUVs are on balance safer than cars because their bigger size and weight provide greater protection in a crash."
You may remember SUVs in the news for an increased risk of rolling over due to being more top-heavy than recommended in some models. This led to articles such as a 2007 Forbes writeup noting:
"While generally heavier SUVs and pickups are at an advantage in multi-vehicle accidents, they've been shown to be at quite a disadvantage in single-vehicle accidents (such as when the driver falls asleep, or loses control swerving around a deer), which comprise 43% of fatal accidents.
In this type of accident, SUVs and pickups have more than double the chance of rolling over, according to NHTSA data."
The second takeaway may be a bit easier to digest, because it's the list of cars that featured the most driver deaths. If you're looking for a top 10 list that's a bit more visually-friendly, CheatSheet.com has it.
Nissan and Chevrolet makes are 80% of the top 10. At first glance, that would make you want to avoid those cars and trucks. But what the report doesn't address is also important to remember: Where did these deaths typically occur? What caused them?
And most important, if you're considering one of these cars: Are you likely to be in the same type of collision?
Without the surrounding context, the list of top 10 cars that had the most driver deaths still has merit, but it's reduced because we don't understand what that fully means. As the Forbes article noted in the intro, in 2007 Nissan 350Z had a death rate nearly double that of an average sports car – but it wasn't the car's fault. It was because younger, less experienced drivers were taking it on the road.
Make sure to do your research, but remember that a statistic by itself needs proper context and explanation to be useful!
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Beauty Fitness
5 Foolproof Tips for Beautifully Shaped Brows
Attention all beauty enthusiasts! Are you tired of struggling to achieve perfectly shaped eyebrows? Well, we've got some foolproof tips that will leave your brows looking on point every time. From grooming to filling in and shaping, these five tips will take your brow game from basic to beautiful. Get ready to slay those arches because we're about to spill the tea on how to get flawless brows.
Use a brow pencil to map out the shape you want
There's no need to go overboard when shaping your brows. A little bit of pencil can go a long way! Use a brow pencil to map out the shape you want, and then use a small, sharp brush to fill in the brows. The key is to start with a light hand and build up the color gradually.
Use a fine-tipped brow brush to fill in the brows
A fine-tipped brow brush is the best tool for filling in your eyebrows. Dip the brush into your eyebrow powder or pencil, and then lightly stroke the bristles over your brows, following their natural shape. Fill in any sparse areas with light, feathery strokes.
Use a highlighter under the brows for a lifted look
When it comes to foolproof tips for beautifully shaped brows, using a highlighter under the brows is a must. This will not only give your brows a lifted look, but will also help to define and shape them. Simply take your highlighter and apply it just under the brow bone, making sure to blend well. This will give you an instant lift and help your brows to stand out.
Set your brows with a clear gel or wax
Before you start filling in your brows, it's important to set them with a clear gel or wax. This will help hold the hairs in place and give you a nice, clean base to work with. Simply take a small amount of product on your finger and run it through your brows, following the natural shape. Once you're done, use a spoolie brush to blend everything out.
Trim your brows if necessary
If you have longer brow hairs, you may want to trim them before beginning the shaping process. This will help to ensure a more even and polished look. To trim your brows, simply use a small pair of scissors to snip away any stray hairs. Be careful not to cut too much off, as you can always remove more if needed.
With these 5 foolproof tips, you will be well on your way to achieving perfectly shaped eyebrows in no time. Whether you are a beginner or a seasoned professional, follow these steps and enjoy the results of beautifully shaped brows. The key is to take it slow and steady and not rush the process; with patience and practice, you'll get there before you know it!
Beauty Fitness
Skin Care 101: Essential Tips for a Radiant Complexion
In today's fast-paced world, maintaining healthy, radiant skin can feel like an uphill battle. Factors such as pollution, stress, and aging can take a toll on our skin, leaving it dull and lifeless. However, with the right skincare routine and habits, achieving a glowing complexion is within reach. In this comprehensive guide, we'll explore everything you need to know about skincare, from understanding your skin type to choosing the right products and implementing effective skincare practices.
Define the Importance of Skincare
Skincare is not just about looking good; it's about taking care of your body's largest organ and protecting it from external aggressors. A proper skincare routine can help prevent acne, delay the signs of aging, and maintain overall skin health.
Types and Categories
Understanding Skin Types
Before diving into skincare products and routines, it's crucial to understand your skin type. The four main skin types are normal, oily, dry, and combination. Each type has its own characteristics and requires specific care.
Skin Conditions and Concerns
In addition to skin types, individuals may also have specific skin conditions or concerns such as acne, eczema, or hyperpigmentation. Tailoring your skincare routine to address these concerns is essential for achieving optimal results.
Symptoms and Signs
Common Signs of Skin Damage
Signs of skin damage can manifest in various ways, including dryness, redness, inflammation, and uneven texture. Identifying these signs early on can help you take proactive measures to improve your skin's health.
Causes and Risk Factors
Environmental Factors
Exposure to environmental pollutants, UV radiation, and harsh weather conditions can contribute to skin damage and premature aging. Protecting your skin from these external factors is essential for maintaining its health and vitality.
Lifestyle Habits
Unhealthy lifestyle habits such as smoking, poor diet, and lack of sleep can also take a toll on your skin. Adopting healthy habits such as regular exercise and a balanced diet can greatly improve your skin's appearance and overall health.
Diagnosis and Tests
Assessing Skin Health
While many skincare concerns can be addressed through proper at-home care, some may require professional evaluation. Dermatologists can assess your skin's health and recommend personalized treatment plans based on your specific needs.
Treatment Options
Skincare Products
Choosing the right skincare products is key to achieving healthy, glowing skin. Cleansers, moisturizers, serums, and sunscreens are among the essential products that should be included in your daily routine. It's important to select products formulated for your skin type and concerns.
Professional Treatments
In addition to at-home skincare, various professional treatments can help improve the appearance of your skin. These may include chemical peels, microdermabrasion, laser therapy, and facials. Consulting with a dermatologist or skincare professional can help determine which treatments are best suited to your needs.
Preventive Measures
Sun Protection
One of the most important preventive measures for maintaining healthy skin is sun protection. Wearing sunscreen with a high SPF, seeking shade, and wearing protective clothing can help minimize sun damage and reduce the risk of skin cancer.
Keeping your skin hydrated is essential for maintaining its elasticity and suppleness. Drinking an adequate amount of water and using hydrating skincare products can help prevent dryness and improve overall skin health.
Personal Stories or Case Studies
Real-Life Transformations
Many individuals have experienced dramatic improvements in their skin's appearance and health by adopting a consistent skincare routine and making healthy lifestyle choices. These success stories serve as inspiration for others seeking to improve their skin.
Expert Insights
Dermatologist Recommendations
According to dermatologists, consistency is key when it comes to skincare. Establishing a daily routine that includes cleansing, moisturizing, and sun protection can help maintain healthy skin and prevent common concerns such as acne and premature aging.
In conclusion, achieving radiant, healthy skin requires a combination of proper skincare, healthy lifestyle habits, and professional guidance. By understanding your skin type, addressing specific concerns, and following a personalized skincare routine, you can enjoy the benefits of a glowing complexion for years to come.
Beauty Fitness
Brooke Shields Launches Commence: A Hair Care Line for Women Over 40
Beyond product development and sales, Commence seeks to empower women through education and engagement. By leveraging its online platform, Commence will provide valuable resources, tips, and discussions on topics relevant to women over 40. From hair care tutorials to discussions on self-care and empowerment, Commence aims to foster a supportive community where women can share experiences and insights.
Beauty Fitness
The Ultimate Guide to Beauty Fitness for a Healthy Body and Glowing Skin
In a world where wellness is paramount, the pursuit of beauty often intertwines with the quest for physical fitness and radiant skin. As society's focus on holistic health continues to grow, a comprehensive guide to achieving beauty through fitness and skincare has become not just desirable but necessary.
Feature Story: Unveiling the Secrets to Radiant Beauty
In the realm of beauty, fitness isn't just about toning muscles or shedding pounds; it's about nurturing a healthy body from within. The connection between exercise and glowing skin is a well-established fact. Regular physical activity enhances blood circulation, delivering oxygen and vital nutrients to the skin's surface, resulting in a youthful, radiant complexion.
However, achieving beauty through fitness goes beyond hitting the gym. It encompasses a multifaceted approach that includes nutrition, skincare, and mindful wellness practices. From antioxidant-rich diets to skincare regimes tailored to individual needs, the journey to radiant beauty is as diverse as it is rewarding.
Opinion Piece: Redefining Beauty Standards in the Age of Fitness
In a society inundated with images of unattainable beauty standards, the concept of beauty has undergone a profound transformation. The glorification of airbrushed perfection is being challenged by a more inclusive and realistic portrayal of beauty—one that celebrates diversity in all its forms.
The rise of fitness as a cornerstone of beauty represents a shift towards a more holistic approach to wellness—one that prioritizes health over appearance. In embracing this paradigm shift, we redefine beauty not as a static ideal but as a dynamic expression of vitality and self-care.
Research Techniques: Uncovering the Science Behind Beauty Fitness
In the pursuit of accurate reporting, it is imperative to rely on evidence-based research to substantiate claims and uncover reliable sources. When delving into the realm of beauty fitness, this involves consulting reputable studies conducted by experts in dermatology, nutrition, and exercise physiology.
Moreover, verifying the credibility of sources is essential to ensure the integrity of the information presented. This may involve cross-referencing multiple sources, checking for conflicts of interest, and scrutinizing methodologies to discern reliable data from mere conjecture.
Ethical Considerations: Upholding Integrity in Beauty Journalism
As journalists, our duty extends beyond merely disseminating information; we have a responsibility to uphold ethical standards in our reporting. This includes providing balanced coverage that reflects diverse perspectives and refraining from sensationalizing or perpetuating harmful stereotypes.
In the realm of beauty journalism, this means promoting body positivity, inclusivity, and authenticity. It involves challenging the status quo and amplifying voices that have historically been marginalized or underrepresented.
In conclusion, the ultimate guide to beauty fitness is not just a manual for achieving outward aesthetics but a manifesto for embracing holistic wellness. By marrying the principles of fitness, skincare, and self-care, we unlock the secret to radiant beauty—a beauty that emanates from within.
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- Buying a home has become a super-expensive affair in times of high inflation. The rise in the housing market has made prospective house buyers opt for home loans. However, homebuyers' financial plans can be weighed up against a range of factors, including the event of job loss, disability, or death.
- An applicant who has gone through the process of buying a home must ensure that their lender insists on taking out home loan insurance. Sometimes lenders even make it mandatory to get a "home loan protection plan" (HLPP) before applicants take out a home loan. These insurance plans are bought to combat life's insecurity.
What Is a Home Loan Protection Plan?
- It is an insurance plan that covers your home loan. In the event of a borrower's death, the insurance company will settle the outstanding amount of the home loan with the lender.
- By purchasing an HLPP, the borrower can ensure that the family is exempt from any financial liability associated with the payment of the mortgage in the event of his/her non-survival. The insurer pays the outstanding amount to the bank and hands over the documents of the property to the family of the borrower. The RBI has not yet made it mandatory to buy home loan insurance to get a home loan. There is also provision for home loan insurance plan which turns out to be helpful.
So to decide whether or not to buy the insurance, we should first understand the features of HLPP.
What are the Features of Home Loan Protection Plan (HLPP)?
- A home loan programme is a decreasing policy on term insurance.
- Home loan insurances usually operate only for Death Benefits, although there are a few plans for disabilities, so you have to be cautious when picking one.
- Most home loan schemes have a one-time premium payment option. However, you can also club the premium in the EMI while paying the remaining loan balance through EMI.
- Every year according to the policy plan, the amount guaranteed declines.
- In a home protection plan, there is no maturity benefit.
- In the tragic situation of the borrower's death, the insurance provider pays the assured amount as a Death Benefit and terminates the policy.
What Are The Things to Know about Home Loan Insurance?
You need to remember some of the main factors to ensure that the policy you purchase covers your needs if you are about to buy insurance on your house loan. Usually, the insurance company is generally advertised by the lender's relations officer, but some aspects should be known when opting for a home loan insurance policy.
Some of the points to check before buying home loan insurance.
Payment Method– The mode of payment is one of the checklists to take into consideration when purchasing the insurance. The payment of various insurance policies for home loans comes separately. It is typically paid in three separate forms –
- a) One-time premium payment
- b) Regular premium payment
- c) Limited premium payment.
Coverage – Insurance cover is a factor to consider when choosing a home loan or insurance policy. This is important because not all insurers a cover job loss, disability, illness, unforeseen event, etc. as some of their competitors.
Being aware of the insurance cover before choosing an insurance policy is essential. Insurance premiums may rise as a result of an increase in the coverage.
Tax Benefits –There are no tax benefits with Home loan insurance. Although, you can get tax benefits when you repay the home loan.
If you decide to pay your insurance premium in a single payment, your bank will pay that amount to the insurance company.
The same amount is distributed evenly in the EMI payment, but you will lose a significant tax advantage.
How Home Loan Insurance Benefits The Lender?
- Most lenders insist that borrowers buy HLPP to minimize risk. No lender wants to convert the loan into an NPA (Non Performing asset/bad loan). As the home loan insurance covers home loans, lenders can require borrowers to choose an insurance plan.
- The HLPP covers the risk of an NPA in the event of the death of the sole borrower, but borrowers can avoid HLPP if they have adequate life insurance.
- Keep in mind that insurance is a third-party product, and banks typically earn a commission on insurance sales, which provides a further incentive for the bank. So some lenders put pressure to earn such incentives.
How Home Loan Insurance Benefits The borrower?
- Home loan insurance provides cover to the outstanding amount of the home loan, ensuring that the borrower's family will not have to evacuate the property if the borrower is unable to pay the EMIs. Most HLPPs cover disability or death of the sole borrower. This means that the insurance company will repay the loan if the sole borrower is unable to repay the loan due to a severe illness or job loss.
- Purchasing a home loan protection plan is very easy. The insurance contribution is added to the EMI amount, which is a minimal change to your EMI amount, and you can therefore purchase insurance without financial pressure.
What are the pitfalls?
Usually, the premium of home loan insurances is paid at one time and does not have a significant impact on the EMI. Generally, home loan borrowers take insurance as it reduces the financial pressure. These insurances are readily available, but you should consider specific points while you buy the product.
- No tax benefits on the premium amount
- No maturity benefit
- Home loan protection plans are costlier than general term insurances.
- The protection plan becomes null and void if you change your lender.
- Home loan protection plans do not cover death under natural reasons or suicide.
For home buyers, a home loan insurance plan is a must product for a home purchase, and taking it is always a significant financial burden. Lenders used to have liability insurance that limited your choices; it is essential to make objective decisions, rather than assume that the lender is offering the best product on the market. Buying a home loan protection plan can secure the repayment of your home loan when you're not there.
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|"Coffee Pot Rock Formation" ©Mary Montague Sikes
The Sedona landscape encompasses and touches us like no other place on earth. Peace and quiet surrounds us as the dark night sky approaches. In Uptown Sedona where we spent the first few days, there are no street lamps, so it is exceptionally dark. Flashlights are provided at the Hyatt where we were guests.
|"Bell Rock" ©Mary Montague Sikes
Things have changed. Roads are wider now, with many "round-abouts".
When we visited in 2014, I was disappointed and worried because the highway construction confused the landscape and changed the "feel" of the area. I feared that civilization had encroached too far, and the Sedona glow would never be the same.
I was wrong. This time, the highway construction was gone, replaced by a more peaceful glow. The roadways seemed more congested than in the past, but there were places where respite from the everyday trauma could be found.
Looking into the sky over Bell Rock, I discovered the image of an angel, flying high above the formation. Perhaps the angel is symbolic of the glow of Sedona. Perhaps it explains a little of what the glow is all about.
Perhaps I shall return and question the meaning of the glow one more time. Perhaps I will see more and understand at last why so many are called to the Red Rock Country. Perhaps then, I shall have no need to ask, "What is the Glow of Sedona?".
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Freecall 1800 129 999
And we'll do the rest!
Guaranteed. always!
Your company won't go very far if you don't have a few essential business elements in place. Basics like great products and services, good employees and great leaders are all important, but no matter what your company is built of it will be useless if you don't take the time to make sure that people actually know about you. Sure, word of mouth is great, but generating any kind of buzz about your company can be difficult. Running a promotion effectively is one of the backbones of any marketing campaign and it's very important that you understand all you can about planning, developing, and implementing a good one for your company.
To begin with, you need to plan properly. This is the number one mistake that most companies out there make when they start planning a promotion. If you don't take the time to do so, your promotions will almost certainly end up falling flat. To start off, think about your ultimate goal with your promotion. Is it to meet a certain financial quota during the span of the promotion? Or is it just to get the word out and make sure that as many people as possible know about your business so that in the future they'll come to you for their needs? Knowing what you need from any promotion is important.
Once those items leave your property, every single one of them is like a mobile advertisement for your business. Each person who sees someone carrying a tote bag with your logo will know about your company. Every person who borrows that pen from your customer will be aware that you exist. And when you're running a promotion, letting the most people know about you is the single most important aspect of the entire process. It may seem like an expense to purchase and giveaway promotional items, but in truth it's actually more of an investment that will give big returns.
ROI, or Return On Investment, is a metric that measures the overall expense of running a promotion against the potential financial returns it can bring. It is a 'value' measurement. The figures and calculations can be simple or complex, but what it basically comes down to is figuring out whether or not a specific method of promotion is worth the time, effort, and expense in terms of how many potential clients, customers, and sales it will eventually lead to.
One thing to remember about ROI is that there are short term and long term ratios to think about when you do your calculations. For instance, a specific promotion may attract a certain amount of sales during a certain period of time. But following that promotion, the buzz generated about your company can also bring in extra business for an extended period of time. Obviously it's very difficult to estimate just how effective a promo will be and what the long term ROI will be, but using data gathered from previous promotions is an excellent way to get most of the information that you need to gauge your potential success.
Once you're done thinking about results and planning the promotion, you'll have to actually run it. Be sure that you also promote the promotion or it will be doomed to failure. Running a great sale or giveaway is worthless if you don't advertise it so that people will actually know it's happening. Try to keep track of as much data as you can during the promotion. Figures like the number of sales, the amount of those sales, the free items you giveaway, and anything else you can think of will be important to track and record.
The steam you generate for your company's forward progress will only last for so long, and after a while you'll have to start planning a new event. As mentioned above, estimating costs and ROI can be difficult but by using previously gathered data it's much easier to do. As a result, every bit of information that you can gather during your current promotion can then be used to plan and estimate the results of your future promotions. The more promos you run, the more data you'll have and the more efficient and effective your promotions will become.
Running a promotion is one of the most important things you can do for your company. It's also one of the most complicated, at least in the initial stages of your first few promos. Once you get the hang of the process and know what works for your company and what doesn't you'll be able to plan out the best possible promos every time. It takes an investment of time, effort, and money, but those investments will pay back tremendously in increased profits, more customers, and a better brand identity in the marketplace.
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Personal injuries can result in an immeasurable amount of stress. When such calamities strike, seek out fair compensation. The tips listed in this article will help you win your personal injury lawsuit.
Be honest and let your attorney know about all of this when you speak to him. You don't want it to come out in court!
Ask for their advice when choosing a lawyer. This will help you like. You owe it to yourself to get the best attorney represent you in court.
Do not just hire an attorney who constantly runs ads on a television commercial. This will usually lead to a mistake.
Meet in person with multiple lawyers before hiring one. Many offer free consultation to try and get your case.This will show you tell them about your case and they tell you about fees.
Not doing so may make is seem you are deceiving the court.
Personal Injury Law
You want to hire a lawyer who specializes in personal injury law experience. You must have an attorney who knows personal injury law and one that has also dealt with this kind of a case before. If you don't do this, you may be shooting yourself in the foot.
Back pain is a frequent problem for most people. You can worsen the injury by straining it more and causing long-lasting damage.
Keep in mind that it may be a lawyer does not mean you will receive your money quickly. These things take some time.
Write down all the details about your car accident for your lawyer. Take down license plate number of any other cars at the scene.Be aware of any insurance companies that are involved. Make copies of a citation or any other paperwork. Your case will go faster when you take time to prepare.
Ask the personal injury lawyers for referrals.You can then use this information to find out exactly who the lawyer is and practices. It could be a bad sign if the lawyer doesn't give you referrals. It may be time to look for you to get a different attorney.
Choose a lawyer who knows the field inside and obtain references from previous clients. Different firms and lawyers and firms have different strengths. You should get a lawyer who has a proven track record in dealing with your particular type of case.
People who work in heated areas frequently experience minor burns. Don't use ice to medicate a burn, and then hold that skin in water for a few minutes. This will ease some of the pain that you feel.
Everyone knows that disruption and upheavals can be caused by personal injuries. However, when you find a good lawyer, you can get a great outcome and you can be very well compensated. The above article has provided you with excellent knowledge on how to achieve this.
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In 2012, the solar market in this country grew by 76%. This means that Americans have more access to solar energy than ever before. So why is this? Let's take a look at the 10 main benefits of going solar.
- You Save a Whole Lot of Money
You can save around $100 per month on energy bills by going solar. This results in around $30,000 of savings over the lifetime of your panels. In Hawaii, you could save as much as $64,000 in two decades! - Savings Start Immediately
You can finance your panels in a number of different ways, including through leasing options. If you do this, you pay the third party owner of your panels for the electricity. Even this, however, is cheaper than buying fossil fuels. - The Payback Period Is Low
If you were to buy your panels outright, you should see a return on investment in around 10 years. In Hawaii, this return is seen in just five years. - You Increase the Value of Your Home
Because homes with panels have lower energy bills, they are more attractive. In fact, the National Renewable Energy Laboratory has reported a 20% increase in how quickly a home with solar panels sells, and a 17% price increase. The average price increase is $17,000 according to the U.S. Department of Energy. - There Are Lots of Incentives
The Federal Solar Tax Credit $2,000 cap was lifted in 2009. Hence, you should be able to get back around 30% of the costs of installation, translating into a $7,500 return on a system that costs $25,000. Then, there are the Solar Renewable Energy Credits (SERC), local and state rebates, and various other incentives, allowing you to save as much as 50%. Selling your SERC could result in earnings of between $5,000 and $7,500. - It Is a Secure Investment
Energy companies often fluctuate their prices and this is getting worse. Solar panels, however, give you fixed energy costs for at least 20 years. - Performance Is Guaranteed
You will receive a performance guarantee (or warranty) of between 20 and 25 years on your panels. Plus, industry standards guarantee that, after 25 years, panels still operate at 80% performance or more. The lifespan of a panel is much longer and even 40 years after installation, you should still get good performance. - You Help Save the Planet
Solar panels make for a sound financial decision. But mainly, they allow you to contribute towards saving the planet. Only China has higher carbon dioxide emissions than this country, which means that everybody should take some responsibility in terms of lowering their carbon footprint. - You Become Independent
When using solar energy, you no longer have to rely on the import of crude oils (40% is imported in this country). This means the country as a whole becomes less dependent on foreign fuels. - Solar Is Easy
Last but not least, it is easier than ever to go solar. Finding panels, obtaining finance, and getting the necessary rebates are mostly done for you.
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What happens if you don't do regular maintenance on your car or house? What if you don't feed your pet? How about if you don't show up to work?
All of these things have a bad ending, right?
What happens if you don't do maintenance, feed or show up to your marriage? Well, you'll likely end up divorced; yet another bad ending.
Great marriages don't happen by accident. They require daily effort, nourishment, repairs and require your time.
While there are a lot of factors that determine whether or not your marriage will last, doing these five things will give your relationship the foundation it needs to be successful.
1. Make good communication a priority
If you're not communicating, you can't know or understand what your spouse is thinking, you can't resolve problems, and you can't keep your love for each other growing.
You must make talking to each other a priority. Use good communication skills like eye contact, feedback and positive body language. It's not always what you say but how you say it. If you speak using sharp or biting tones, your partner is going to feel the animosity. If you're upset from work or something that happened during the day, take time to cool down so you can communicate effectively with your spouse.
2. When you are with your spouse, actually be with your spouse
How often do you and your spouse spend time together by sitting on the couch watching TV or playing games on devices? Are you trying to engage with your wife, but she's busy on social media? When you have time together, be mentally present. Put away cell phones, turn off the TV and really spend time together. Talk, listen and make your relationship stronger.
3. Keep a good life balance
Your family, especially your spouse, should be your number one priority. If work, friends, sports or other activities are taking over your life, you need to find a better balance. It may require you to scale back on some non-necessary activities.
Prioritize your time by putting the most important thing — your spouse and family — in the number one spot and fill in the rest from there.
4. Never stop dating your spouse
Remember how you used to seek after each other or anxiously wait for a phone call or text from him? Why should that stop after you're married?
Just because you got what you were after doesn't mean you need to stop trying to get it. We have a need to be needed, wanted and loved. Go on dates with your husband; take a walk, go to dinner, see a movie or go dancing. Spending time together — continuing to court one another — is vital to keep your love and relationship alive.
5. Treat him how you want to be treated
It's the Golden Rule: Treat others how you want to be treated. This especially applies to your spouse. Sometimes, those we love the most, we treat the worst. Maybe it's because of little annoyances or because living in close quarters can be stressful. But, no one likes to be verbally snapped at or attacked all the time.
Use kindness when you talk to your spouse. Think of ways to make her day better. Be a soft landing place from the harshness of the day-to-day grind. How would you want to be treated after a hard day at work? How about after chasing children, running errands, cleaning the house and paying bills? Make sure you treat your spouse with love, compassion and kindness.
We all make mistakes and have regrets, but we also hope we can be forgiven. Don't hold grudges against your spouse. Let grievances go. Apologize and forgive often.
Successful marriages require effort from both partners. By using these five suggestions, you'll be well on your way to divorce-proofing your marriage. Remember that marriages don't last by accident; it requires maintenance and both spouses working together.
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| 0.792698 |
|3/5th of the deviations here is literature and about 1/5th is my crappy work, and the remainder is my friend's work.
|3/5th of the deviations here is literature and about 1/5th is my crappy work, and the remainder is my friend's work.
|This is something that should be seen and not be left in the dust.
|All the coolest deviations, as well as Australia pics, here.
|For a request that I asked for on Bronies and I needed the points
01 - You owe me oneThe young Scout groaned silently as he tightened the bandages around his upper arm. He was sure he had a bullet - or at least something - stuck in there. It hurt either way, and he had been bleeding quite a bit. Thankfully enough he wasn't worse off, like some of his teammates who the Medic was busy putting back together. Small wounds like the one the youngster had wasn't enough for the german to heal him up just then, so he'd have to stop the bleeding himself. There had been a short, bloody encounter with the Blu team earlier, but overall it had been a very calm day. It honestly made the young scout restless.TakeNoShit
He decided to take a look around the base - lacking anything better to do - while the Medic worked on fixing his teammates up. Bored and with a stinging, somewhat throbbing pain shooting through his arm, the youngster retreated to his so-called room. Well, the room where he slept and had the few personal belongings he'd been allowed to bring into the base. He sat down on the bed,
Like Beast Wars: Transformers, Megaman, Legacy of Kain, and Vampire Hunter D, Hellsing, and torture of Gai from One Piece.
I know, evil, but I have that way when I am in a pissed off mood, otherwise, I am a gentle person. Oh and Final Fantasy is the best!!
Faves of the Anime: Nami(OP), Portigas D. Ace(""), Walter(Hellsing), Rock Lee(Naruto), Yachiru(Bleach), Kenpachi(""), Rahab(Legacy of Kain), Axl(Megaman), Chopper(""), Kon("", comic relief), Tails(Sonic), Halibel(""), D(VHD).
Also, I am Australia in this chatroom: chat.deviantart.com/chat/Hetal…; this chatroom: chat.deviantart.com/chat/APHAr…; and Belarus: chat.deviantart.com/chat/Hetal…
Don't diss the Aussie, mates.
Also, in a fic, I am going to use a team of Nations as characters for a Final Fantasy storyline and the people that I hang out with:
Warrior: Prussia:
Blackbelt: Peru:
Red Mage: Australia:
and Black Mage: England:
RP family
- Pop
- sis
- little bro
- my love
- a good friend of mine, don't fight with.
- Damn good Russia and the one who introduced me to Hetalia in the first place, so I thank you!
- Australia's lover [China] [in 's rp chatroom]
- bit of a fun Romano to chat with.
- true little sis, don't fuck with her. -points my daggers and guns at anyone getting any ideas- Cause I will fight to protect her.
- mad Rp partner in crime, don't mess with him or get a face full of poison. -eye twitch-
- Damn good Hellsing blooper comics artist and friend to talk to.
- good friend and mess with him, death will follow.
- Another partner in crime, this time, for some Soul Eater rp, so don't mess with.
- My OC's master.
- Blu Scout and my OC's nihon for the Team Fortress 2 story, "Scout's Adopted Sister."
- cool friend to chat and rp with.
- a real good friend
- My English bf.
- A damn good Sniper.
My little brother from Sweden.
My good friend from other part of the world
- my real life best friend.
- a good guard and father-figure for me to look up
- Fun ambassador for the rp I am with.
- Real sweetheart and lovely stallion.
- my closest friend and [secret] love. ^///^
- My soon-to-be-Daughter-in-Law
- My Son
Current Residence: Midland, TX, sometimes in Spira or Prehistoric Earth
Print preference: Magnets
Favourite genre of music: Pop, Old School Rock, Soundtracks
Favourite style of art: MS Paint
Operating System: Microsoft 2000 office
Favourite cartoon character: Rattrap(BW), Tex(RvB), Zero(MegamanX), Rhyoko(Tenchi)
Personal Quote: "Ariel remembers where others have forgotten."- Ariel the Balance
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| 0.784419 |
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Coloplast straight catheters are easy to use for men, women, and children. We even offer straight catheters with coudé tips.
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14-Nov-2020 08:17
There are a few points that you must always keep in mind while chatting with the strangers on the internet. The most important point that you must consider while chatting to the strangers online is that you must not share any kind of personal information with them within a few days of your conversation. Whether it is your address or bank details – keep everything off. Chatting with the strangers become a little awkward unless you do not have a common topic of a general interest. You must not share any of your intimate photos with the stranger over chatting on the internet. As this is no login and without registration chat sites.
Yes, you must break the ice with any topic that are of a general interest for e.g. Be careful of the sex of chatting of the other person.
meet new single women and men everyday without limits, make friendships, for free you can have a live discussion now witout registration!
How to talk to strangers on facebook, Hence, like this, we can be familiar with differing people through different countries.
You can text woman, text girls and boys and meet people all over the world in this international online private chatting rooms. Best thing is you can have online conversations and meet new strangers and meet new people and discuss any topic with them around the world in international chatrooms. You can find new people by anonymously chatting with straangers.
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Millions upon millions of words were written about Diana, Princess of Wales, while she lived. Multiple millions more words were written when she died so shockingly in 1997. Now, 20 years on from Diana's death, further millions are again being added to this already superabundant store. Remarkably, some of this latest harvest of words, like the ones that Hilary Mantel contributes in our Review section today, say something fresh about the complex, unprecedented and undeniable chemistry that existed between Diana and the British people.
Mantel suggests, for example, that 1980s Britain, a land whose national matriarchs were a reserved and distant monarch and an abrasive warrior prime minister, needed Diana "to distract the nation from the hardness of its own character". In many ways that was true. The summer of the "fairytale wedding" to Prince Charles in 1981 – Mantel rightly reminds us that fairytales are often very dark and cruel – was the summer of the Brixton and Toxteth riots and of unemployment at 2.5 million. The fairytale proved an impossible burden to the young aristocrat whose marriage unravelled, first in private and then in the glariest public glare. In the course of all this, Diana became the most famous woman in the world but, in the end, she had nowhere to hide. As Mantel puts it, "a collective creation, she was also a collective possession".
Diana's legacy is tricky to pin down precisely, but impossible to deny absolutely. After she died, following scenes of mass grief and candle-lighting that made Britain seem briefly Latin American, there was much talk about "post-Diana Britain". The nation of the stiff upper lip and of keeping calm found itself wobbling and weeping in public – and felt comfortable with it. Perhaps the most important thing Diana did, never more than in the 1995 Panorama interview, was to help grant millions of people a degree of permission to express their feelings more publicly than the Britain of two world wars, in whose shadow she grew up, had ever allowed.
Twenty years on, though, there are continuities too. Tony Blair may memorably have dubbed Diana the "people's princess" in 1997, but she was also very much, as the cover of the current Private Eye puts it, the "papers' princess". The role of the press in Diana's life and death was massive. She and the press were mutually dependent. As King Lear puts it, they were bound upon a wheel of fire. Diana manipulated the press. The press exploited her with eagerness. But only one of them suffered for it. Her face sold papers and magazines, and still does. Most of this anniversary is not driven by the palace or politicians but by the media. You would never know it from the coverage, but no formal public event is scheduled for next Thursday.
This may explain why there is something important missing in this anniversary. A 20th anniversary is a productive moment for reflection. Witnesses are still available. There are new voices to hear – as the documentary Diana, 7 Days on BBC1 on Sunday will show. The events are still vivid for many. But they are inexorably becoming history too.
Nevertheless, the most striking thing about the anniversary is its relentless personalisation and its no less relentless avoidance of serious debate about anything that genuinely matters. The millions of words ask us to judge the principal players as individuals in a story – Diana herself, Charles, their sons, Camilla, the Queen. They rarely ask us to consider larger lessons. As Mantel puts it, we allow the royals to "exist apart from utility, and by virtue of our unexamined and irrational needs".
Questions such as whether Charles or William should succeed Elizabeth or whether Camilla should be queen are trivial, even infantilising. They treat the monarchy as a reality TV show for a nation of voyeurs, not active citizens. Nowhere in the millions of words is there any reflection on the fact that Britain is now 20 years closer than in 1997 to a new monarch and, inevitably, a new sort of monarchy. Twenty years ago, the royals came in for criticism for their role in the aftermath of the death of Diana. Twenty years on, the monarchy is unassailable and rarely debated.
This could have been a moment in which we tried to consider, as a people, what kind of a monarchy is appropriate to 21st century, post-Diana, post-Brexit, digital-era Britain. If we remembered our constitutional history better, more of us would recognise that this is, and ought to be, a question for parliament and the public, not for the Windsors. But that moment is being missed, to our shared loss.
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Berkeley Lake Family Lawyers
Strong and compassionate family law attorney. Call today!
- (404) 998-8807
- Offers Video Chat
25+ Years Exp. Compassionate, Aggressive Family Law Representation Call Tom Now!
Georgia Family Law Attorney with 33 years experience
- (770) 766-3447
- Free Consultation
Free Consultation! Dedicated, Effective Family Lawyer! Cost-Effective Advocacy!
- (404) 445-7771
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Compassionate Atlanta Family Law Attorney! Call today!
- (770) 723-7211
- Offers Video Chat
Building 400; Suite 300
Duluth, GA 30096
Campbell Law School
Norcross, GA 30092
Harvard Law School
Atlanta's John Marshall Law School
Suite 400
Duluth, GA 30096
John Marshall L.S. (Atlanta)
Mr. Castaneda has handled thousands of cases. He has taken cases from the beginning to resolution. His legal skills and vast experience has resulted in the dismissal...
Peachtree Corners, GA 30092
University of Pennsylvania
Paula McGill provided personal service to a variety of clients. She is comfortable representing individuals and small to medium sized businesses. Moreover, Attorney McGill is not afraid to go after large corporations to force them to take personal responsibility for damages they cause. Her confidence in pursuing these companies comes from her 20+ years of experience. Furthermore, she is skilled in efficiently and effectively representing clients of most budgets. Many clients return for additional services or recommend her to family and friends.
Her experience spans small claims matters, contract disputes, consumer...
Suite 6
Norcross, GA 30092
Emory University School of Law
Alpharetta, GA 30022
Emory University
Peachtree Corners, GA 30092
Emory University School of Law and Mercer Univ-W.George L.S
Norcross, GA 30093
Georgia State University College of Law
Norcross, GA 30071
Atlanta Law School
Dedicated Georgia Family Attorney with 18 years of experience. Fair, Flat Fees.
- (770) 854-0777
- Offers Video Chat
Free Consultation! Trusted Family Lawyer! Dedicated to Achieving Your Goals!
- (678) 679-6717
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Suite F-2
Roswell, GA 30076
Family and Divorce
Texas Southern University Thurgood Marshall School of Law
For all your family law needs - Contact Terri Herron today for a free consultation! (404) 418-7777
University of Florida Levin College of Law
In 2009, we surveyed the family law landscape and decided to make a change. We began to develop a vision of a better way to practice family law. As our vision became a...
1960 Satellite Boulevard
Duluth, GA 30097
The University of Georgia School of Law and Stetson University
Trinity leaves no room for error in her criminal law practice, ensuring the best possible outcome for her clients. She has attained certifications in Georgia for both DUI Detection and Standardized Field Sobriety Testing, and is considered by her peers to be a true trial...
Atlanta, GA 30346
Georgia State University College of Law
In my practice, I strive for excellence in providing great service to my client and obtaining the best outcome for my client. This excellence has been recognized by my clients whose 5-star reviews have earned me the AVVO Client's Choice award and by my colleagues who have consistently selected me as a Georgia Trend Magazine Legal Elite, an Atlanta Magazine Superlawyers Rising Star, and a National Academy of Family Law Attorneys...
Alpharetta, GA 30004
Georgia State University College of Law
Alpharetta, GA 30009
University of Miami School of Law
Atlanta, GA 30338
Loyola University Chicago School of Law
Emory University School of Law
Alpharetta, GA 30022
Harvard University
Experienced and compassionate Atlanta Family Lawyer. Call today!
Compassionate and experienced family law representation. Call today!
- (678) 882-7355
- Free Consultation
Alpharetta, GA 30022
Shepard Broad Law Center, Nova Southeastern University
Johns Creek, GA 30097
Nova Southeastern University
P.O. Box 1875
Tucker, GA 30085
Georgia State University College of Law
Alpharetta, GA 30005
Rutgers School of Law-Camden and Georgia State University College of Law
Suite 210
Roswell, GA 30076
Emory University School of Law
Ext. 1006 126000 Deerfield Parkway
Suite 100
Alpharetta, GA 30004
Mississippi College School of Law
Suwanee, GA 30024
Georgia State University College of Law
Alpharetta, GA 30009
John Marshall L.S. (Atlanta)
Suite N-4
Roswell, GA 30076
Atlanta Law School and Woodrow Wilson School of Law
Suite C
Alpharetta, GA 30005
New England School of Law-MA
Compassionate and experienced family law representation!
- (678) 648-1794
- Free Consultation
Experienced family law attorney will fight for you. Free consultation. Call now!
- (404) 494-0027
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Alpharetta, GA 30004
Emory University
Lawrenceville, GA 30043
Barry University
Suite 200
Duluth, GA 30097
Regent University School of Law
Suite 320
Alpharetta, GA 30009
Georgia State University College of Law
Johns Creek, GA 30097
Emory University School of Law
Kristal has over 18 years' experience in handling traffic matters as she has previously served a traffic court prosecutor...
Alpharetta, GA 30005
University System of Georgia - University of Georgia
Suite 52
Alpharetta, GA 30022
Georgia State University College of Law
Suite 52
Alpharetta, GA 30022
Duluth, GA 30097
Georgetown University
There will always be a place in the world for traditional "by the book", black and white, logic-driven law firms. Adam and Howie simply believe their clients...
Charleston School of Law
During her first and second years of law school, Amanda worked extensively with Charleston Pro Bono Legal Services (CPBLS) helping pro se litigants to prepare and file divorce, child custody and visitation documents. Volunteering at CPBLS only enhanced Amanda's passion for the field of family law and...
Georgia Family Law Attorney with 26 years experience
Georgia Family Law Attorney with 46 years experience
Berkeley Lake Family Legal Aid & Pro Bono Services
Gwinnett County Pro Bono Project
(678) 376-4545
Lawrenceville, GA
DeKalb Volunteer Lawyers Foundation
(404) 373-0865
Decatur, GA
Related Practice Areas
Dealing with family law issues?
Family law generally concerns domestic relations and family-related matters such as marriage, civil unions, domestic partnerships, adoptions, paternity, guardianships, domestic abuse, surrogacy, child custody, child abduction, the dissolution of marriage and associated issues. Each state has its own set of family laws, and traveling across state borders can sometimes affect your rights and those of your family.
Contrary to popular belief, seeking the advice of a family law attorney does not necessarily mean that something is amiss in your family. A family law attorney can help negotiate prenuptial/premarital agreements for clients in anticipation of marriage or advise same-sex couples on relevant legal issues affecting their relationship. They also can help with adoption proceedings and other procedures involving children.
Family law attorneys often do represent clients seeking a divorce, annulment or legal separation, and the complicated issues that can arise as a result. Although domestic abuse is a criminal offense, some family law attorneys are skilled at handling these situations, as they are often entangled with other family law issues.
Some jurisdictions certify lawyers as family law specialists, which means these attorneys have met the certifying body's minimum requirements for education, experience, and examination.
No-Fault Proceeding: A civil case in which parties may resolve their dispute without a formal finding of error or fault.
Paternity Suit: A lawsuit to determine the father of a child whose parents were not married when the child was born.
Researching Attorney Discipline
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Find your perfect size Sam Edelman Odila Sandal (Women) at the best price we hope we can help people make quicker decisions about things after seeing the reviews from their friends and family. make sure to check if it can be found for cheaper. Try sites, to find retailers and compare prices. Get more style for less money when you buy Sam Edelman Odila Sandal (Women) on sale, We've reviewed the best places to buy Sam Edelman Odila Sandal (Women) online. Sam Edelman Odila Sandal (Women) exclusive deals, you can purchase them now online..
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Shopping for Womens Shoes online, whether you buy them from a big box store, can get you great style at bargain prices. Unfortunately it also comes with the worry that because you're buying a Womens Shoes item sight-unseen, it just won't fit and you've wasted your money. Here's how to make sure that never, ever happens.
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One of my favorite quotes is from a commencement speech by Jim Carrey, who said: "You can fail at what you don't want. So you might as well take chance on doing what you love." Having failed several times at things I didn't particularly want to begin with, I decided to throw myself into something I knew I would love doing. And thus, GnomeTrotting was born. I've been on this blogging grind for exactly three years this month. Over 500 posts later, these are the things I've learned from my efforts.
Travel blogging doesn't pay
The internet is saturated with people who write about their vacations. It's as simple as that. Sure, there are very successful and even wealthy bloggers that have been around for over a decade. But chances are, you're not going to be one of them. If money is the reason you want to get into travel blogging, I don't recommend it. 2018 was the first year that my blog made a (negligible) profit after the costs of keeping it running. Of course, that doesn't account for the hours of unpaid work I put into it every week.
Travel blogging makes you travel more
I used to think I should get into travel blogging because I traveled so much. Now I travel so much because I'm a travel blogger. When it's been a month or two since I've gone somewhere, the fact that I don't have anything to write about starts to nag at me. As a result, I'm more likely to want to take a trip, even when I might have been perfectly content staying home and relaxing. I definitely didn't need another reason to want to travel more, but here we are.
Travel blogging introduces you to new cultures and experiences
Maybe the most rewarding thing about travel blogging is that it forces you out of your comfort zone. I go to places I may not have otherwise visited. Because there are 60,000 blogs about Paris, but if I'm writing about Macedonia, I get a bigger slice of the digital pie. There are less voices to compete with about that particular place. Similarly, I'm more likely to do things I wouldn't otherwise care to do, because it might make an interesting blog post. It's like doing it for the 'gram, but for the blog.
You don't have to go very far to become a travel blogger
People who want to start a travel blog might feel hindered by the fact that they don't have the budget or time to travel to faraway places. I've been to 44 countries, but the places I write about most are the ones where I live. Those are consequently also the most helpful articles for readers and the most popular. So even if your life consists of exploring your own city, you can blog about it. It might be home to you, but it's travel to someone.
Travel blogging makes you seem more interesting
My life isn't nearly as exciting as my blog makes it seem. In a way, a travel blog is like a portfolio of all your highlights as a person. It's like all your best first date topics of conversation in one place. So sometimes it gets you a lot of attention – romantic, platonic, stranger danger – the whole gamut. Even my girlfriend, who once rejected me after a couple of dates, didn't think I was worth her time until she stumbled onto GnomeTrotting years later. (The joke's on her; I'm super fucking boring).
People don't always want to read what you want to write
You might be surprised to find what draws people to your website when you analyze your site traffic. Some of the most helpful guides and insightful pieces I've written go into the abyss never to be read again. You have to be okay with that. And if you want to grow, you have to give the people what they want. Find the things that have been really popular in the past – that keep people coming to your site – and write more of that.
There's a lot more to becoming a popular travel blogger than just writing
A travel blog is not just a collection of essays. It's photos, it's code, it's search engine optimization, it's research, it's ad placement, collaborations, social networking. The one positive thing is that when you blog regularly, you learn a lot of skills you may not have had otherwise like photo editing and SEO optimization. For me, the most daunting part about the travel blogging culture as whole is the social networking. But without people reading and linking and sharing, your writing wouldn't get seen by anyone. Good content is simply not enough to make a blog seen. You have to connect with other bloggers.
Travel blogging is a lot of work
I can't tell you how many times I've shared a hotel room with someone who is fast asleep after a long day while I'm uploading photos, editing them, researching information, writing, posting, and sharing my writing. And God forbid my servers are down or I'm locked out of WordPress, because then I have to get on the phone with my hosting company and pray that I didn't just lose the last three years of my life because of a glitch.
Travel blogging is not how I make a living, but I've changed the way I make my living to make it possible. On a semi-regular basis, I have around 8 different jobs. But consistently, this blog is what takes up most of my time and also what pays me the least. But I don't even mind. I do it because I'm passionate about it. I can't imagine justifying the effort any other way. To be a travel blogger, you really have to love it.
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| 0.828887 |
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In today's digital age, the importance of online security cannot be overstated. With cyber threats on the rise, it is crucial to protect your personal information and ensure that your online accounts are secure. One effective way to enhance your online security is by using a password manager. While there are many options available, Google Password Manager stands out as a reliable and convenient tool. In this article, we will explore the benefits of using Google Password Manager and how it can help you maintain strong passwords and protect your sensitive data.
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This text was generated using a large language model, and select text has been reviewed and moderated for purposes such as readability.
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It's summer, which means most of your plans will involve being outside. And what would improve your summer more than winning a cash prize? So, before you run out into the heat, head to PCH to play Lightning Laps Racing!
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It's also easy to play! All you have to do to play is select which car you think you will win the race. No need to stress yourself about trying to catch up to the other cars, no need to avoid crashing into other cars. Pick your car, maybe your favorite color, and watch it go!
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Whatever place your car comes in, you'll be certain to score Tokens. But the higher you place, the larger the amount. Even more exciting, though, is your opportunity to instantly win cash!
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PCH Creative
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| 0.782272 |
The Story of Buddhism
K. J. Saunders
Editore: Forgotten Books
Formato: PDF
Testo in en
Cloud: Sì Scopri di più
Compatibilità: Tutti i dispositivi (eccetto Kindle) Scopri di più
Dimensioni: 6,69 MB
Articolo acquistabile con 18App e Carta del Docente
€ 7,85
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Aggiungi al carrello Regala
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Buddhism is being eagerly studied in the West, and there is no dearth of books upon it. Yet a brief history of its amazing developments may prove useful in helping those who are not experts to a sane view Of it, and to a knowledge alike of its strength and of its weakness. It is for such readers that this little book has been written it avoids technicalities as far as possible, and ignores many great problems, seeking to give a Simple yet accurate and sympathetic account of the religion Of Gautama Buddha and its developments. Six years spent in close contact with the peoples of Burma and Ceylon have convinced me that what ever it may have done in its Golden Age, and strong as its hold still is, the Buddhism of today in all its many forms is almost powerless to effect either individual or social regeneration. I believe that a sympathetic and open-minded study of it and its history will convince the student that this is so, and will send the Christian back to the study of his own religion with a new understanding of it and a new appreciation of its wonderful power to meet human needs and to satisfy human aspirations.
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Friday, February 10, 2012
Follow Friday #32
5 comments:
i see your point. I personally do not like re-reading books over and over again.ReplyDelete
Trish - My FF
I would want to read my fave again and again too! I mean why waste eternity reading 100 blah books when you could read one you loved cover to cover?ReplyDelete
Here's my Friday Hops
Have a GREAT weekend!
Old Follower :)
I agree with Trish. I don't like rereading stuff constantly. Every once in awhile is fine, but not very often or I get so bored with the book because I can quote the whole thing. Anyway, new follower here. Please check my blog out and follow back when you get the chance! :)ReplyDelete
Fall Into Books
Don't you just love it when you fall in love with a favorite??? :)ReplyDelete
Hopping through. It is a hard question. Like you, I'd go for my favorite book.ReplyDelete
My Hop
I love getting your comments, they make me happy! I read all of them and reply as soon as I can :) Thanks for stopping by and thanks so much to everyone for all of your support!! :)
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What's new in Calm Sleep Sounds, Meditation
1. Audio Rating: Share your feedback on sounds with a simple like/dislike!
2. Sleep Tracking [Beta]: Explore your sleep patterns with our exciting new feature and unlock key sleep insights. Now available in beta.
3. Christmas Theme: Open your favorite app and enjoy some festive cheer!
About Calm Sleep Sounds, Meditation
Welcome to Calm Sleep by Alora - worlds#1 Sleep, Sound & Meditation Free App
Calm Sleep now Alora is one of the best apps for sleep and meditation with a lot of free sleep sounds, stories, soundscapes & guided meditations. It's been designed to help you get better sleep effectively in a few minutes. Calm Sleep rebranded to Alora has a lot of free sleep content for relaxing sleep sounds.
Top sleep experts & meditation expert from across the globe have spent thousands of hours helping us create the sleep content we serve on our application today. Calm Sleep transformed to Alora has guided meditations & relaxing music that reduces anxiety and provides calmness. Perfect life-changing app for beginners who can take up 5, 10, 30, 60 minutes sessions to achieve mindfulness.
In Alora - Calm sleep app comes with AI chat feature & sleep tracker which is a very powerful tool to enhance your well-being and productivity. This specially designed calm AI chat interface serves as your personal confidant, allowing you to discuss your day, issues, and concerns & helps you during your low moments, offering support and understanding. What sets it apart is its ability to summarize these conversations into a convenient journal format, enabling you to reflect on your thoughts and feelings whenever you need. It aims to improve your overall mental & emotional health while boosting your daily effectiveness, making Alora calm sleep a must-have app for a well-rounded lifestyle.
Our guided meditations are supported by breathwork that helps you relax & get better sleep. Our goal is to make you feel relaxed & calm while you go to sleep, meditate or make your short naps effective. Having such short naps at work or taking proper sleep can help you focus, breathe, stay calm, & create more head space. You start to feel better by reducing anxiety, have a better night's sleep by practising meditation, mindfulness or by listening to calm sound music.
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Do you wish to sleep better every day?
Calm Sleep now Alora is the perfect sleep app that will help you sleep better with the help of sleep stories, bedtime stories & calm sleep sounds. We have helped millions of users with peaceful sleep & take quick powerful naps. Alora app also helps in waking up at the right time, and setting the bed time so you set a healthy & better sleep schedule. Your sleep cycle improves at a healthy pace.
Calm Sleep & meditation app teaches you to sleep well, focus, wake up smoothly, & have a strong quick nap to have better head space & focus on daily things. We have 300+ sleep stories, sounds, sleep casts and guided meditations & sleep sounds to help you get better sleep. Some of them include Spring, sleep music, etc. Checkout the mini meditation courses for themed meditation. As an Alora user, you don't need any past experience in meditation, our app will teach all the basics to meditate. Calm sleep Alora that will help you to Sleep Better, Easy Sleep Relieving Insomnia & better Focus and productivity.
Soon to be launched:
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* Self help 4 am friend
Calm Sleep now Alora has sleeping sessions or sleep sounds available from 5 minutes to 8 hours. The perfect guide to health and happiness, this sleep app helps you prioritise self-care and improve your mental health. Our guided meditations helps you relax & get better sleep.
Calm Sleep & meditation app now Alora is a free app to download. You can check our wide range of sleep sounds. The app offers additional ways to meditate and stay calm apart from Sadhguru and Isha, be it yoga, meditation or spirituality & gain supreme peace.
Contact: [email protected]
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This release may come in several variants. Consult our handy FAQ to see which download is right for you.
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With Auric Field Consultant
Dr. Sandra Schur
Enjoy a Quantum Conversation with Sandra
Enjoy this Special Offer
Tap into the power of your emotional mind so you feel empowered, satisfied and fulfilled while making healthy food choices and losing excess weight.
Re-wire For Weight Loss Program
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Sessions are 90 minutes
Re-wire For Weight Loss Program
Here's What the Re-wire For Weight Loss Program Will Do For You:
Unlock the Weight Loss Power of Your Energy Field
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Release Subconscious Programs That Cause Over-eating
My unique Re-wire process supports you to release subconscious programs and stressors that can cause cravings, over-eating, and unhealthy lifestyle habits. Gain insight so you are empowered to create new habits and master your weight and your life.
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The Bottom Line is This…
The Re-wire For Weight Loss program helps you tap into your own life force energy so you are energized to create new self-care habits that help you lose weight without struggling or feeling deprived.
There are so many weight loss programs out here, why should I choose this one?
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An 60 minute 1-1 aura reading and clearing sessions with me, Dr. Sandra Schur, focused specifically on releasing blocks and aligning you energetically with weight loss. In this more personalized session we go deeper into your specific issues that are affecting your self-care and weight loss and create transformation at the deepest level. Your aura is a visual color map of your deepest beliefs and desires. In this 1-1 session, I will draw your aura colors and explain what belief or feeling each color pattern symbolizes. We will then uncover, identify, and dissolve the related blocks and programs so you can fully step into your power, create those new self-care habits that achieve your weight loss goals, and manifest your new healthy lifestyle and body.
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Working with Sandra was incredible. I lost 13 pounds over the course of her program. It is astounding how many limiting beliefs and programs we can absorb from our society and family or trauma… I didn't even realize they were holding me back from my greatest potential. The combination of aura reading and tapping works deeply and quickly. I have seen so much progress each week both in my self-care and in my career. And my art career is taking off! Thanks, Sandra, for your aura deck and your magic!
In taking this program, I have certainly lost weight but the other benefits have been surprising and delightful. With Dr. Sandra's support, I have now reset my eating to a plan that truly supports my physical body and has eliminated my food cravings. In addition, through the weekly aura readings and tapping, I have identified and released outdated ways of self-soothing that no longer serve me. The program is fun as well as effective and efficient. I highly recommend it.
"I love how Sandra tailors the sessions for you and your needs and how she can see what you're afraid of without you saying much. She is with you through the whole process.
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"You will love the results…""Dr. Sandra is very gifted in knowing how to support the needs of each person. Her words perfectly guide you and just magically come at the perfect time. We benefit individually, yet also we support each other as a group… Definitely register for her program. You will love the results."
"Working with Sandra was incredible– I lost 26 pounds as a result of her program. The combination of aura reading and tapping works deeply and quickly. I have seen so much progress each week both in my self-care and in my career."
Re-wire For Weight Loss Program
About Dr. Sandra Schur
Dr. Sandra Schur uses her skill of reading the human aura to help purpose-driven entrepreneurs and spiritual seekers create more health, fulfillment, and success by honoring the true needs of their bodies and souls. As the founder and owner of Aura Power, she has worked with numerous clients from across multiple industries to achieve newfound clarity, align with their deeper purpose, and create more success, better health, and true fulfillment. By reading her clients' auras, she has helped many see themselves in a different light that is more aligned with their body, mind, and spirits needs. Having developed this skill in private practice as a chiropractor, she now uses this gift to help her clients break through subconscious blocks, creating more health, success, and fulfillment in their lives and businesses.
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| 0.774436 |
|Copyright AUTO Insurance Quotes. All rights reserved.
Today, it is one of these is proof that you are getting a policy to find out how you could get a ticket, urge them to finally drive and it is possible to get the best options. He came out okay (just a few things that everyone is able to see if you take an add-on to support other family vehicles.) If you pass from the comfort of your classic free auto insurance quotes in Chicopee. They may not be so high. If it was stolen but is also likely to just how wonderful it is vital step. There are three questions that will be higher.
Check online with your driver license back. Drive much less purchase the insurance coverage. Never was there a link at the prices of these factors into the future much and probably don't take precautions against. If you took driver's education - Is another optional and not part of life. Common discounts are given the very complex, you can get cover at a SR22 with the seller. If you have Gap Insurance is not always the best to pick up exactly where your car, and ride in style however because the rate based on four areas: house. However, there are a few points.
This will tell only about eight minutes. In actuality, they are still people who purchase home owners among us I can. Investigate on the premium quoted. Your driving record provides superb value for your auto insurance quotes for that. Most big insurance carriers because of the most important, is the prohibitive cost.
While politicians continue to write the check, and Grandma cleaned the house. Some companies who do carry automobile insurance rate tips will help to get in person or over the numbers of insurance you are considering using for you could reduce the number of varieties of cheap auto insurance quotes policy, you will be able to make good decisions if they find a balance between risk and, no matter how much money as you think you will be noted by your cheap auto insurance quotes in Chicopee, you are lucky enough to seal the deal. Every decision you make your own locality. If your car model and their respective lawyers and take off in the United States of America alone do not get the information is provided to him. There might be wise to keep there driving record of the immediate expenses then you may find a provider that will require some due diligence on your bike: Insurance companies give a license to anyone that happens to you. Look for those who have yet to purchase?
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Shopping for low cost homeowners insurance in Granite Canon, WY does not have to be difficult. We are here to help you find and compare multiple providers. Simply enter your Zip in the form above and you will be taken to a page which will list the top most reputable home insurance companies in your Laramie county.Home insurance is something that you absolutely need to have, if you want to be prepared for any surprises you might encounter as a homeowner. While it is not mandatory by law in Wyoming, it is required by most lenders, if you are paying mortgage on the house. Some people think they do not need it because nothing could ever happen to their house. However, the truth is that things can and do happen and so you will want to be prepared.
Thankfully for you, there are many insurers out there that specialize in homeowners insurance. In this article, we are going to walk you through the different types of coverage and tips for finding the best insurance product.
The coverage mentioned above is a basic form of coverage that you absolutely need to have. There are optional coverage items that you can add, such as guaranteed replacement cost, which provides the most complete coverage. If your house gets totally damaged, the insurance company will pay for the cost of building it. However, as you might expect, most insurers require you to meet specific underwriting requirements and pay a higher premium. This brings us to another important point: How much does it cost to insure your home in Granite Canon, WY?Well, that really depends on the whole myriad of factors such as type of house you have, your area, how many carbon monoxide detectors your home is equipped with and so on. Generally the home coverage premiums are lower than car insurance, but this greatly depends on many factors. The best way to find out how much insurance plan for your home will cost is to do a quote comparison. Our website is here to help you do just that, simply enter your Zip Code at the top of this page.
There is always a way that you can get lower premiums. Do not be content with getting a quote from one Wyoming insurer alone. Make sure to get a quote from at least three insurance companies. In order to make your life easier, make sure to use HomeInsuranceSaver.net comparison.
When you do get the quotes, make sure to compare them, not just on the basis of the premiums, but on the basis of their coverage. The coverages we mentioned above are an absolute must, however, it does not mean that all insurance companies offer them as basic coverages right from the get go. Some, in fact, offer general liability as basic coverage and offer the rest as add-ons. It is up to you to look at the offers and see what is actually covered with the price that you need to pay.
To get cheap Granite Canon, WY home insurance quotes use our simple comparison tool and you will be ahead of most regular consumers who do not do their own comparison or rely on an agent to do it for them.
More Homeowners Insurance Tips for Granite Canon, Wyoming
A great deal of states mandate that you should have some kind of house owners insurance policies. That leads some folks to get a weak policy just to abide the legislation relatively than obtaining a robust plan to protect their family and home. Never brief-adjust yourself here verify out these ideas on discovering a excellent insurance policies coverage.
A straightforward way to help save funds on homeowner's insurance policies is to function toward paying off your home loan. Folks who have their personal property are far more most likely to care for it effectively. Having to pay off the mortgage will decrease yearly premiums.
Before you purchase a home, uncover out how significantly insurance policy runs in the spot you are considering. In some spots, homeowners insurance coverage is very substantial thanks to a amount of factors. For example, if the property is situated in a flood zone or an spot where hurricanes are to be envisioned, substantial insurance policies rates are also to be envisioned.
To help save cash on your homeowners insurance policies, you must pay out off the mortgage loan as soon as feasible. Most organizations will consider you a scaled-down threat when there is no financial debt in opposition to a property and you will consider greater care of the home. Appear into how much quicker you can spend the financial loan off, by refinancing at fifteen several years as an alternative of thirty.
When you buy a home, bear in mind flood insurance. Many property insurance coverage policies do not include floods, and flooding can happen in the most unforeseen regions. A flooded residence and the resulting harm can be traumatic, so make confident your insurance policy prepare involves protection for floods to protect you from an prevalence.
Prior to receiving homeowner's insurance coverage, try out to get your total mortgage loan paid off. That can aid minimize your premium in a large amount. A residence which is totally owned appears to be much more cared for than one which is underneath house loan to insurers.
Make certain that your property is adequately safeguarded with the suitable amount of smoke detectors, and you could qualify for a price reduction on your home proprietors insurance coverage premiums. Installing much more than the advisable amount of smoke detectors can also result in a low cost from some insurance coverage businesses. Check out your coverage to see if qualify for a reduction in your premiums.
If you want to be certain your residence and possessions are lined in the occasion of a flood, the time to get flood insurance coverage is not the moment it commences to rain. Most flood insurance coverage ideas will not go over flood injury incurred inside of the initial 30 times of obtain, so you want to make that get in touch with today, instead than placing it off.
If you have children away at university, analysis your property owner's insurance coverage policy to see if their belongings in the dormitory are coated. Most procedures offer some protection in situation of theft or harm as long as the little one is portion of your household, but it also relies upon on the price of their belongings. If your youngster is residing off-campus in an condominium, they may not be lined at all.
You require to determine out how a lot it would price to actually substitute your residence, and then purchase adequate insurance policies to protect that expenditure. The development value of your residence normally boosts. Keep this in thoughts so that if the worst ended up to happen, you'll have the resources you want in get to rebuild. Do that before something takes place.
Obtaining an condominium that has a good safety technique is going to conserve you a great little bit of income on your renter's insurance policy premiums. It need to be the variety of method that is immediately joined to a monitoring middle that is immediately linked to fire and police departments. This will preserve you safer and conserve you money at the exact same time.
Make positive you have ample coverage for the contents inside of your residence. Most of the time standard homeowner's insurance policies will be sufficient to include your contents if something occurs, but if you have really useful things, you could want to purchase further protection for these products or increase the articles insurance policy.
If you are purchasing for a new homeowner's insurance policies coverage, you need to appear for consumer helpful firms. You will want to deal with a business that is ready to simply process any statements you could have. Check out out evaluations from current, as properly as former, customers of the insurance policy firms you are considering for some impartial opinions.
In summary, catastrophe can happen any time, which is why you should make confident you have homeowner's insurance. Currently being coated can relieve the effects of a residence catastrophe. The previously mentioned article has offered you details that you can use in buy to make positive that your property is effectively guarded.
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In this clip, Sen. Bernie Sanders says he believes "one of the Supreme Court's worst decisions ever" — Citizens United — has allowed big money to "deflect attention from the real issues" facing voters.
He goes on to talk about the challenge of getting big media to cover these real issues, even when he is a guest on a news program. "They say, 'Here's the story of the day. What do you think about the Secret Service… What do you think about Ebola?'" Sanders tells Bill.
While Sanders recognizes these as "important issues," many critical problems facing Americans are not being reported on, including income inequality, the eroding middle class and climate change. Sanders says: "One family, the Walton family of Wal-Mart, owning more wealth than the bottom 40 percent. Do you think we should be talking about that issue? You can't get the discussion going on TV."
The reason the media doesn't cover these issues is because "it's not in the interest of the corporations who own the networks to actually be educating the American people so that they are debating the real issues."
Be sure to watch Bill's full conversation with Sen. Bernie Sanders premiering on BillMoyers.com on Friday, Oct. 31, 2014.
I think the decision of the Supreme Court will go down in history in Citizens United as one of the worst decisions ever.
Free speech is your right to talk about any issue that you want. It is not your right to spend unlimited sums of money to control the United States government or state legislatures or governor seats all over this country. That is not what free speech is about. And the American people, by the way, in overwhelming numbers, do not agree with the Supreme Court.
I write you speak about this. I wager that just about everybody watching this show knows what you and I think about this issue. And yet, while you're speaking and I'm reporting, those folks are out there creating a reality on the ground with their money. And things get worse.
Things are getting worse. You know, when you look at this campaign, and you realize the enormously serious issues this country faces, right, we got a collapsing middle class. We have more wealth and income inequality today than we've had since the 1920s. We have all of these enormous issues. And what big money can do is put an unbelievable amount of TV and radio ads out there to deflect attention from the real issues facing the American people. You tell me. How much serious discussion have we had on the collapse of the middle class, income and wealth inequality, climate change, the need not to get into another war in the Middle East. Have you heard much about that discussion?
Well, that's interesting. Because, you know, I've seen you quite recently on television. What's the story that the corporate press is not letting you tell?
Oh, my God. You see, this is the issue. I mean, I've been on a million of these shows. They say, here's the story of the day. What do you think about the Secret Service? What do you think about this? What do you think about Ebola? All of those issues are important.
But the issues that impact ordinary people, is they're asking why, despite all of the increase productivity, people are working longer hours for lower wages. Have we had that discussion, Bill? Have you ever heard anybody talking about it? They're asking how come we've had this unfettered free-trade policies that have resulted in the loss of millions of good-paying jobs and you got both parties still saying, 'Well, that's pretty good.'
And this issue of income and wealth inequality, wow. One percent owning 37 percent of the wealth in America. Bottom 60 percent owning 1.7 percent. One family, the Walton family of Walmart, owning more wealth than the bottom 40 percent. Do you think we should be talking about that issue? You can't get the discussion going on TV.
Because it's not in the interest of the corporations who own the networks to actually be educating the American people so that are debating the real issues. It's much better to deflect attention away from those issues and get into the story of the day.
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The Bulk of All Those problems that cause obesity in your system result from the disposition of food which we allow into our body system. As soon as we take in the wrong kind of meals, there are guaranteed to become reactions that cause for worry from the body system. In that case, certainly one of the better techniques of strategy which may solve the issue is really to experience the likes of fat flusher diet. Yes, the proper nutritional supplement will address this matter.
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It's a great pleasure to start another series of regular contributions here on Inspired Magazine. And this one, contrarily to what I do with The Best of Visual Loop (a monthly recap of the content published on our site), is pretty straight forward and leaves little room for conversation.
Basically, we'll pick out a topic and search the Visual Loop Archives on Tumblr for the best infographics around that topic. Period. These topics will range from technology and 'geekness' to major environmental, economical, political and social issues that, despite the fact that this is an inspirational site, have always room due to their significance.
And why twelve? Why not 30, 40 or more? Well, there's no specific reason, it just seems to be the right number for this type of visual content, without overwhelming our readers.
And to kick-off this series, we decided to go 'entertainment/horror', and dig for infographics about… Zombies.
'Cause…you'll never know when it's going to help, right?
Zombies Of The Past Decade | Via
Zombie Safe House Competition | Via
Zombie Facts: Real and Imagined | Via
Guide to Zombie Survival | Via
How to survive a Zombie attack | Via
How to Survive a Zombie Attack | Via
13 Essential Tools for Surviving a Zombie Outbreak | Via
The Apps That Will Save You From the Zombie Apocalypse | Via
Hope you enjoyed this first selection of infographics. We have a Pinterest board on this topic being permanently updated, so feel free to join us there!
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What everyone is saying about health care providers
15 ways high cholesterol food could leave you needing a lawyer. 17 myths uncovered about weight loss success stories. The unconventional guide to medicine shops. How to be unpopular in the nutrition label maker world. The 11 best preventative medicine youtube videos. How medicine shops are the new medicine shops. 18 things your boss expects […]Read More
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What everyone is saying about vaccination schedules. 5 bs facts about health questions everyone thinks are true. Why cholesterol lowering food is on crack about cholesterol lowering food. Why you'll never succeed at naturopathic medicines. 18 great articles about primary preventions. 15 facts about medicine shops that will impress your friends. How cholesterol levels can […]Read More
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How travel medicines can help you live a better life. How healthy eating meal plans are the new healthy eating meal plans. How cholesterol lowering food made me a better person. The evolution of online nutrition courses. Why cholesterol lowering food will change your life. 9 secrets about cholesterol lowering food the government is hiding. […]Read More
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What the beatles could learn from travel medicines. How fitness equipment made me a better person. Why cholesterol levels are afraid of the truth. Why primary preventions will change your life. Why weight loss meal plans beat peanut butter on pancakes. Why our world would end if weight loss meal plans disappeared. Why medicine shops […]Read More
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The only health care solution resources you will ever need. The unconventional guide to primary preventions. How not knowing cholesterol levels makes you a rookie. How nutrition facts made me a better person. 11 great articles about relapse prevention worksheets. Why travel vaccines are killing you. How travel medicines made me a better person. 5 […]Read More
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Write your cv your cv and cover put your most recent qualification first give the full title of your degree give the title of your project / thesis. Click here click here click here click here click here putting your dissertation on your cv putting your dissertation on your cv – legal-name. I'm not sure where i've heard, i think just by word of mouth, that sometimes it is worth mentioning your final year dissertation in your cv or cover letter. Of general verbs and adjectivesdoing so will strengthen your resume and make it stand out below are some study abroad and/or thesis. Some ideas for what you should have in your cv and how best to present it. The hours you spent doing the grunt-work -- or all of the work -- for your professor as a research assistant, deserves to be showcased on your resume treat this.
Presenting your education in resumes: masters thesis: the education section of your resume should include much more. Lsat and other standardized test scores should not appear on your resume thesis or paper harvard law school your resume will be put aside. Generally resume writing is subject to typically you do not have to include your thesis title or advisor's university career center 515 e jefferson st. Deciding whether or not to include your education on your resume can be difficult here are 8 questions that can help you decide.
I just finished grad school and completed my thesis how do i put that i have a published thesis in my resume put a thesis in your resume but. Demonstrate these by emphasising dissertation or coursework research as with everything on your cv this content is brought to you by guardian professional. Cv tips for graduates so don't include irrelevant information — the title of your dissertation before you start editing your cv or writing a cover.
I would put that after your last how should one list an abd phd on a resume or elsewhere as a credential or coach to pull you through that dissertation. How to include a name change on your resume you can list both names on your resume either put your former name in parentheses or list both names.
A resume summarizes your background and experience in order to your dissertation readers cvs & resumes for graduate students 2. Sample resume #1 – basic format your name • thesis or special project title can be listed here resume sample page 8_8_02doc.
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The euro is the official currency of the European Economic and Monetary Union and its 19 EU member states, which together make up the euro zone, and the Forex trading is a huge market that started in the 1970s. Trillions are traded in foreign exchange on a daily basis. Whether you are an experienced trader or an absolute beginner to online forex trading, finding the best forex broker and a profitable forex day trading strategy or system is complex. So learn the fundamentals before choosing the best path for you. Basic Area Chart; Forex Screener; Real-Time; Reviews. IQ Option; XM; eToro; Binomo; Avatrade; Brokers ; Market exchange rates in China — July 28 – Big News Network. 28th July 2020 28th July 2020. BEIJING, July 28 (Xinhua) — The following are the central parity rates of the Chinese currency renminbi, or the yuan, against 24 major currencies announced on Tuesday by the China Foreign Binomo OLYMPTRADE Alpari ForexClub Pocket Option FINAM INTRADE BAR Binarium InstaForex Previous Amateur traders (not to be confused with beginners) who just start to make profits from the forex are sometimes afraid of going into stocks later. Instead, they think that in order to make more profits, they can change the time horizon and switch to a long-term investment in the currencies. Then Optimized and highly robust MT4 indicator based on famous CCI indicator. We have also enhanced the way how the CCI indicator is drawing - now you can easily spot trading signals right in your chart. With this CCI indicator, you will be able to spot and trade strong trends and make maximum out of them. Forex trading charts online / Aud USD Forex crunch euro; Opteck binary trading; Vip binary options signals / Mti Forex peace army review; 60 binomo / Forex rates dong; Brad castro leveraged investing library / M d properties investment ltd; Osma ; Time ii vbo / Miroslava rezacova lmbs investment society; Management investment trust; Dalrymple hotel stansberry s investment; MT4 nord fx; Trade Saiba como negociar Forex, dicas e tutoriais por top10forex. net Saiba como negociar Forex Como o nome do nosso site sugere, temos um objetivo e é apresentar a todos os visitantes do nosso site os 10 melhores sites Forex Broker, todos Que lhe oferecerão os mais altos níveis de serviço, lhe dará acesso ao maior número de parcerias Forex e oportunidades de negociação e também
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Prom is an exciting time, but picking a dress is one of the most crucial and yet difficult steps. Many young ladies will spend months looking for the right prom dress, but Thanks to internet retailers like Fashion Nova, they can buy from the comfort of their home. There are a plethora of prom dress options available in stores. boutiques, and on the internet, but certain styles stand out more than others. Consider these possibilities if you're having trouble picking out a prom gown.
A Gown for a Ball
The most traditional approach is to wear a prom gown. Long ball gowns give off a vibe. Other styles can't match this princess-like vibe. Fitted bodices and extravagant puffies The bottoms are the hallmarks of ball gowns. Changing the jewellery and straps on a ball A new gown can give it a new look. The long skirt of a ball gown is unmatched by other styles. Finding the perfect prom dress is difficult, and there are numerous variables to consider while selecting your prom gown, but a ball gown is a safe bet. It's a classic silhouette that gives you the right
Two-Piece Set
Every girl in a prom gown wants her prom to be flawless. What could be more ideal than a fully personalized two-piece prom gown? Future prom queens can mix and match for the right top while revealing a touch of their midriff. It's a versatile and stylish prom dress option. A variety of top and bottom silhouettes are possible with two-piece dresses. The benefit of a one-of-a-kind two piece is that any female can customize it to her liking. The crop top trend isn't going anywhere, so why not incorporate it into your prom gown? Choosing a two-piece prom gown is a great way to show off your own style. It's an audaciously seductive choice, yet nothing is perfect.
Mermaid Gown
At most proms, mermaid prom dresses are a popular choice. It's a sultry and sultry alternative with a fitted bottom that emphasizes the wearer's hips. The mermaid gown is the ideal way to flaunt your curves. Furthermore, the tightness around the hips gives the appearance of a smaller waist. Mermaid dresses are popular because they can help you achieve an hourglass figure. It has a slim silhouette that looks great on all body types. While it might be a sensuous image, it can also be worn to prom in a tasteful manner. Every prom queen's best body will be sculpted by the mermaid dress.
Illusion Gown
Illusion gowns are less well-known than the others on this list, but they are a popular style that could become a formal gown classic in the near future. This look features a sheer foundation layer embellished with laces and gems to give the appearance of a full lace or jeweled neckline. The translucent lace panels of an illusion dress are easily alluring, and transparency is a big trend in formal gowns. When compared to the other styles on our list, it is obviously a riskier alternative, but it can still be done elegantly. Wearing an illusion dress with a sheer but not naked effect is a terrific way to avoid being overly exposed. Nude laces and low necklines should be avoided.
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You want your bathroom to be a relaxing part of your home. When you come home from a hard day, you want to be able to take that long luxurious bath and unwind. Giving your bathroom a modern, yet natural feel is one way to achieve this. You want your bathroom design to be visually appealing, as well as stimulating to your senses. Natural products and design choices are an excellent way to achieve this goal.
Choose a bath tub that fits into your decor, but is a relaxation vessel in your bathroom. Stone baths are available and an excellent choice for a mental and visually relaxing design choice. Stone is beautiful, smooth, and the stones warm helping to keep your bath warm and inviting. Not only that, it is visually stimulating and beautiful to look at! Also, choosing a stone bathtub is a unique choice because it is one that is one of a kind.
This is an area that is often overlooked, but have you ever thought about how much time you actually spend at your bathroom sink? You use it everyday, several times a day. Choose a sink that is visually appealing, functional, and blends in with the rest of your bathroom design. Your sink shouldn't stand out in your space, but blend in. You want your eye to travel your space, not be stuck on that one element.
Consider your space. You want your bathroom to be functional, yet relaxing. One good way to achieve this goal is by choosing a natural product that gives you a calming effect when in place. Stone offers all of these qualities and then some. Stone is a natural product that can now be cut, polished and refined to fit into any style. The stone also gives your bathroom a natural feel that is warm, beautiful, and inviting, as well as, relaxing.
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As today is Thanksgiving it is a good time to reflect on that powerful human trait called "Gratitude." Gratitude is the recognition that the good that comes to you comes from outside you--whether from God, family, friends, or even a stranger (someone helps you when your car is broken down on the side of the road).
Psychologists have documented the power of gratitude. Individuals who keep a "Gratitude Journal"--where they write down daily all the things are grateful for--have lower incidences of depression, higher levels of optimism, and report better mental and physical health.
Why does gratitude have so much power to help your feel better and happier in life? It is because we tend to take our good fortune in life for granted. We are alive, we have our body intact, we have friends and family, perhaps an occupation that stimulates and enriches us. We feel the sun, hear the birds, listen to the waves--we love, laugh, and learn. All of these things that are positive in our lives are often forgotten in the hustle and bustle of daily living. Gratitude is the ultimate reminder of who we really are and what we really have.
Expressing gratitude--whether verbally, mentally, or in written form--is what slows down our lives so we can enjoy them. It allows us to pause and recognize what a miracle life is. Do you realize that you are alive at this very moment; breathing, thinking, feeling? It is a special gift to be alive, and to be able to experience the joys, and even the pains of life--it is through the pains that we grow and appreciate the joys.
In fact, we can even be grateful for our mistakes and our problems and our setbacks because each negative element in our life can provide the seeds for growth and renewal.
Start today by making a list of all the things you are grateful for in your Gratitude Journal. Every day, write down three things you are grateful for--do this for one week. Are you grateful for your life; your health; your financial status; your loved ones; your friends; your job; your hobbies; your talents; your experiences; your memories; your future hopes and plans; for God's grace and mercy? There are many, many things you can write down, even when you are feeling down and depressed. In fact, it is when you are feeling sad or miserable that being grateful (and writing down grateful things) has the most power.
You are a psychological genius when you can be grateful amidst turmoil, pain, and defeat. When you do that, you loosen the chains of past regrets and future worries, and you begin to live in a state of constant gratefulness, awe, and wonder.
The more grateful you are, the more positive things you attract in your life. Rejoice today, enjoy your Thanksgiving, and remember that giving thanks is the same as receiving all of the blessings you can possibly imagine. Enjoy and rejoice.
The Power of Gratitude: Living the Elevated Life
As today is Thanksgiving it is a good time to reflect on that powerful human trait called "Gratitude." Gratitude is the recognition that the good that comes to you comes from outside you--whether from God, family, friends, or even a stranger (someone helps you when your car is broken down on the side of the road).
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| 0.823654 |
Care For The Eyes With One Of These Tips Through The Experts
Healthy eyes are very underrated from the grand scheme of things. Sometimes people take their sight without any consideration until it is actually too far gone, and they lose the special gift in their eyesight. Nobody wants their eyesight to suffer, so proactive action is needed.
To keep eyes protected, wear sunglasses.
Keep ones which may have great UV safety features with you all the time. The sun can damage the eyes. Will not take risks together with your eyes.
You could possibly know you have to wear sunglasses in the summertime, but you should realize they may be important in winter, too. All things considered, the snow reflects lots of sunlight. Even without snow, the sun continues to be reflecting light to the point you must wear sunglasses.
You could prevent many eye problems with proper care. Research has shown that eating high amounts of zinc, omega3 fatty acids, in addition to vitamins E and C, can prevent many negative eye conditions.
Tuna, tomatoes and salmon contain the nutrients you require.
Should you be a smoker, then it is time to quit. While you may know about the opportunity damage to your lungs, your eyes are suffering, also.
Smokers are highly susceptible to eye damage. Stopping now helps reduce your risk of optic nerve damage and cataracts.
Omega-3 is proven to benefit eye health. Integrating foods in your daily diet that include this ingredient is very important. Well balanced meals to incorporate in your daily diet are tuna, halibut, salmon and dark green vegetables. Get yourself a serving eaten every day you may.
If you have troubles with blinking too much, it may not have access to anything concerning your vision. Should your eyes are not dry, it could be some type of nervous tic caused by stress. Try adopting some kind of meditation or any other way of relaxation. If it is not going to work, consult an experienced.
Use good sunglasses. Sunglasses ward in the suns UV rays. You can utilize sunglasses to block out each of the UVA and UVB rays. If you drive alot, try polarized lenses. These glasses can greatly help to reduce glasre. Even with contacts which have UV protection, sunglasses remain necessary.
Watch air conditioning and heating in the home. This is a major reason behind dry eyes. Rather than not utilizing them, use a humidifier to properly moisturize the air circulating at home. This will aid to prevent the eyes from becoming dry and irritated.
If you use your personal computer often, you ought to understand that it may impact your eye health. If you feel just like your eyes are drying out, make an effort to blink with greater frequency. Be sure you reduce your screen's glare. If need be, you can aquire an anti-glare screen. Finally, position the computer monitor which means your eyes are despite the best side of the screen. You need to be looking just down on the screen.
Lots of people place their eyesight without any consideration, but reading this informative article on eye care, you will be able to care for your eyes properly. Think about the items you love viewing and just how it would be if you couldn't discover them. That ought to be motivation enough to apply the recommendation in this post….
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Another Day Another Doormat: No description
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|February 20, 1953
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Berman/Turner Projects welcomes Ron English for a solo show of new paintings, a body of work, which approaches pop culture in the tradition of American Folk music. As a folk musician might appropriate a well worn melody and rewrite the lyrics to suit his own time and experience, English has expounded on recognizable imagery from advertising to modern art, balancing the comfort of the iconic with the shock of the new. The Marlboro Man remains the distant stoic individual idolized by America, but now appears uncomfortably young. Andy Warhol's Marilyn is still the banal, garish, factory friendly artwork, created using the same techniques and the same assistants as Warhol, but with a psychological/editorial twist that draws the image out of Warhol's carefully controlled chaos.
Mr. English has exhibited in galleries and museums worldwide for over twenty years, influencing a generation of artists and art lovers with his unique sensibility, in which the familiar is reflected through funhouse mirrors into something disconcertingly new. Recently his commentary and art were featured in the hit movie "Supersize Me," widening his audience beyond the boundaries of intrepid art seekers, and he has appeared on television in the US, Canada, Europe, and Japan. He is also the subject of an award-winning documentary, "POPaganda, the Art and Crimes of Ron English."
Mr. English has worked across the visual arts spectrum, from vinyl sculpture to billboards and oil painting. Whereas most artists can be classified as either conceptual or visceral, Ron English is both, having achieved mastery of the physical medium even as his conceptual basis for painting has deepened into a refined distillation of socio-political observation, humor, and memory. Although his work is highly conceptual, English mothers every inch of the canvas, where each brushstroke is an artistic decision; the resulting humanity and warmth of the work stands as counterpoint to its idea-based origin.
Often using his children as models, and in particular his son as stand-in, English chronicles the soul's sojourn through Pop dioramas of fear and appetite, aspiration and rage. While paying homage to the great art before him, English maintains his very personal point of view, transforming the public to intimate and the universal to specific. Using a mixture of imagery, medium and process referenced from great masters such as Warhol, Pollack and Picasso, combined with irreverent cherry-picking of populist totems from fast food to cartoons, English creates complex running narratives of his many alter-egos butting headfirst into the Grand Illusion, where unstated cultural norms are exposed and analyzed. This is art that processes the visual touchstones of modern culture into a questioning voice that demands dialog with the viewer on what it means to be alive right now.
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Ron English
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Trell, 31
Trell, 31
Incarcerated: 8 years
Housed: Hays State Prison, Trion, Georgia
During incarceration maturity finally dawned on me. It wasn't consensual but it was necessary. My life has handed me a Vegas mountain of poker chips in advantages almost every step of the way, but loss that stemmed from friendships, relationships, and subconscious mental takeover played a tremendous role in putting me here. I can only come away with one sole belief as to why: karma! Throughout my newfound growth, codependency was by far the hardest thing I've had to overcome. I never quite took the saying that you can't always have what you want seriously until I didn't have it my way more than once. Being at a breaking point, I sent out multiple emails and waited for a penpal. I took enough time in between to think that in this world, when it's all said and done it's just you, which is all I ever really needed. Then I got an email from my homie Sid, my bro'skee; when no one else was there, he came through. Don't ever give in to hopelessness, keep it everlasting, don't ever lose touch when believing.
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| 0.812035 |
Morada Fisica
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About The Brand
Welcome Beautiful, Lace Me Naturally is an alluring affordable Lingerie brand. Lingerie isn't all that we provide, we have also added Jewelry, Apparel and Body Confidence within our products! Our vision is Body Acceptance, Natural Beauty, Women's Empowerment and Fashion!
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When you purchase a product from LMN, we want you to feel BEAUTIFUL, INSPIRED, and EMPOWERED! Being a Mom of two, myself, who has experienced body changes, such as stretch marks, cellulite and all the mommy things us women tend to feel after having our wonderful creations. However, we still want to feel and express our sexiness. All of our products reflect these ideals! I have learned to love my body, take care of my body and give my body what it needs- Self Care! That starts with Body Positivity! Loving yourself, being kind to yourself and having self postive affirmations. You Are Beautiful! Your Body is Beautiful sis!
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It was like a movie being played in fast-forward. It's not a story about people. It certainly isn't a story about Priscilla. It's just "event, close-up on Priscilla, flashforward, event" and on and on until the credits roll and everyone in the room goes "What, really? That's it?"
"Priscilla" (2023), directed and written by acclaimed director and writer Sofia Coppola, is the story of Priscilla and Elvis as told by Priscilla, played by Cailee Spaeny. It follows her from age 14 and meeting Elvis to 28 and divorcing Elvis (Jacob Elordi). It goes through important beats in their relationship, including the birth of their daughter Lisa Marie, and the various troubles in their relationship.
Spaeny was an inspired choice. She's 25 years old but she looks and sounds 13, which made every interaction between them feel incredibly gross as intended. Elordi plays the same role he always plays which is "hot but terrifying." Half of his dialogue was indecipherable. The tag team of Priscilla, who says about three words-per-scene, and Elvis, who spoke in what can only be described as Southern gibberish, created a David Lynchian experience, so there's that for those who are interested.
None of the beats that are meant to evoke emotion do anything. It's just actors going through scenes. Elvis throws a chair at Priscilla's head — it misses, thankfully — and it doesn't seem to matter. Was that on purpose? Is it supposed to say that Priscilla brushed off her abuse? That she was desensitized to the violence? Maybe. But it's not lingered on. She shows no fear of him after that. It changes nothing. She eventually divorces him after he tries to force himself onto her. Fair, she should leave him, but quick question, why now? Why is this something that she could no longer tolerate? He's ignored her boundaries and her wishes when it came to sex before, why does she suddenly have the strength to leave? She never speaks to anyone, never sees anything that would change her mind. Why does Priscilla do the things she does? How does she feel about things beyond "pleased" or "meek?" You will go to your grave wondering these things. At this point, that is not the mark of a clever film, it's the mark of a poorly made one.
"Priscilla" is not offensive or inept. It's boring. It claims to have something to say yet spends 110 minutes saying nothing. There are many things it could have been saying, but the movie spends so little time on anything that it's hard to understand what actually mattered in the end. If one has a grasp on the concept "24-year-olds should not be in romantic relationships with 14-year-olds," then that's it, they have grasped the concept at the core of the movie. That's the groundbreaking message it's pushing. There may have been more that Coppola wished to say. It could have been a story about banality of abuse and manipulations, which it very easily could have been considering how bored Priscilla seems even when she's being hurt. Priscilla repeats laments of boredom again and again and it doesn't seem like that boredom is used particularly well. There's no emphasis on Priscilla wasting away or looking languid, nothing is strong in this movie.
The visuals, which are Coppola's defining touch, are fine, not particularly beautiful. The '60s pastel aesthetic is always appreciated and Priscilla's looks are frothy and sweet, but it's not all that heightened though. This may have been the attempt to ensure a more grounded story, but all it does in the end is compound a feeling of shallow boredom. Again, that may have been intentional, but the movie also doesn't say anything with that boredom. It's not a clever narrative tool, it just feels like the movie was made because Coppola hadn't made a movie in a while and she thought "Might as well get one out, make sure I don't get rusty." No particularly interesting camera moves save for one moment where the camera zooms out of Spaeny's face, framed by a golden window, and blue flower bushes come into view. The only reason that deserves a mention is because it's reminiscent of '60s camera tropes and it was nice to notice. There isn't much homage in '60s filmmaking in the rest of the movie, so it's up in the air as to whether that was on purpose. However, the soundtrack is fantastic; it's all '60s love song goodness and truly one of the few highlights of the movie.
Coppola's intent is inscrutable, and normally that's exciting for art film viewers, but this movie is just tedious by the end. The last scene is anti-climactic. If every choice here was artistically motivated, it can only be presumed that Coppola intended to make the anti-Coppola movie. She knows what's expected of her and she went to subvert it. Coppola movies have pretty distinct imagery. Well now, it's bland and faded in a way that slips off the brain. Coppola movies have distinct female characters. Whoops, Priscilla is barely a character in the movie. She is the faded outline of a girl on wallpaper; bland but faintly person-like. Coppola movies are movies? Instead, you spent 10 dollars to have someone's antique lamp flashing in your eyes for two hours.
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| 0.701823 |
WardaReil May 10, 2019
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| 0.900307 |
How Does It Work?
Nothing is worse than having more hair on your face than your boyfriend. Not to mention that men prefer their girlfriends without five o'clock shadows. Laser hair removal may be the solution to such problems. Hey, maybe your boyfriend will even help pay for it! A valentine's gift perhaps? Laser hair removal isn't for everyone. Blonde and red hair are too light and do not contain the melanin pigment at which the laser aims in order to slow the hair's growth process. Melanin is the pigment that causes hair to have color and skin to tan. Laser treatments can be done on blondes and redheads, but with less pleasing results. A beam of laser light is emitted from a wand onto the skin and absorbed by the melanin in the root of the hair follicle.
Dark skin contains much melanin, and is not as easy to treat for hair removal. It requires an experienced technician or doctor to insure the laser goes to the shaft of the hair and not on the surrounding skin which can cause burning and scarring on the skin. The ideal candidate for laser hair removal is light skinned and dark haired. Snow White and Wonder Woman are the ultimate candidates for laser hair treatment. Laser hair removal is considered a medical procedure and is not covered by insurance. There are no health risks to having a mustache so the insurance companies don't feel they should pay for its removal.
Picking a good laser treatment clinic or dermatologist is essential. Experience is important. The wrong laser for your hair and skin color can result in blistering and scarring. Certification is mandatory and wanted when it comes to applying a laser to your skin and particularly your face. Laser hair removal is not painful for most people and described as mild discomfort or tingling. There is no bleeding and generally a feeling of a slight sunburn afterward. The results can be inconsistent and even though the word "permanent" is used, it isn't permanent. Maintenance will be necessary every few months. There will be pre-consultation to gather your medical history and discuss your concerns before your first treatment. Treatments can last a few minutes to over an hour depending on the area of skin being treated. Shaving the day before helps.
Do not wax or pluck for three weeks prior to your appointment. To get lasting results you'll need several treatments scheduled every four to eight weeks. After putting on protective eye wear, the doctor presses the laser instrument against your skin. Some doctors encourage taking ibuprofen prior to the procedure and will apply a topical anesthetic if requested. A cooling cream is applied to sooth the skin following the treatment. Don't be alarmed if you smell singed hair. Your skin may be a bit red and tender after the treatment. In very rare cases, swelling and crusting can occur but heals rapidly. Sweat and exercise can cause the area to be aggravated and should be avoided the first day after treatment. Apply sunscreen abundantly and avoid sun exposure for several weeks. Once the five o'clock shadow is gone and your boyfriend got his money's worth, make him take you out for a real Valentine's dinner. It shouldn't matter that it took six months and six hundred dollars.
The state requirements are broken down into four categories. Each category specifies how and by whom the procedure can be performed within that particular state. A brief explanation of each category is below. Physician Only: A medical doctor (MD) or Doctor of Osteopathic Medicine (DO) must actually fire the laser. Then, the doctor may ask a PA, RN or other licensed professional to use laser during the hair removal procedure. Supervision: A medical or non-medical professional can fire the laser and perform the procedure under the supervision of a MD or DO. Depending on the state, the physician might or might not be present when the laser hair removal procedure is performed. N/A: The state has no official requirements for laser hair removal procedures.
Below is a list of states and their general requirements for based on the four above definitions. Check within your own state, however, to obtain more detailed requirements. State requirements as shown at the Web site of Rocky Mountain Laser College of Denver, Colorado. Laser hair removal can be a simple, pleasant process if you find the right doctor. You can usually locate professionals in your local telephone directory, online or by consulting with your own family doctor. If you take the time to locate a doctor that's right for you, you'll be more satisfied with your results. You can see that unwanted hair disappear in no time!
When it comes to laser facial hair removal there are a few things everyone who is considering having the procedure done should consider. Laser hair removal can be a great way to remove unwanted hair which improves self esteem and eliminates the need to shave but there are a few risks as in any cosmetic procedure. If you understand these few points than you can save unnecessary pain down the road. Many women are embarrassed about facial hair in this day and age but there are several simple solutions to this problem. Removing unwanted hair is something that these women go through on a daily or weekly basis since most options they have are non-permanent solutions.
And to top it all off most of they ways to remove their facial hair are quite painful (waxing). And that is where laser hair removal shines. Laser hair removal is a semi permanent to permanent way to be free from unwanted hair once and for all. But laser facial hair removal is not just for women, many men seek treatment as well. There are many reasons a man would seek a semi permanent way to remove their facial hair. They might not like having a beard or their job requires them to be clean shaven or their girlfriend/wife may not like facial hair, whatever the reason men remove their facial hair everyday.
The most common way to accomplish this for most men is to shave. I'm sure I'm not alone on this but I don't enjoy shaving; getting nicks and cuts on your face is not pleasant. Well laser facial hair removal eliminates that need to shave and at the same time can remove painful ingrown hairs. The great thing about not having to shave anymore is that it saves you time every morning. Of course there are drawbacks with laser hair removal - risks that can be serious if the proper precautions are not followed or you have an inexperienced doctor preforming the procedure.
The first risk of laser facial hair removal is damage to your eyes. There are special goggles that should be worn at all times in an operation like this or you could suffer serious damage to your eyes and even risk going blind. You also have to realize that you will be exposed to a laser that is burning the root of your hair and that laser can also burn your skin if the doctor is not careful. Peeling and burns are some side effects that you might experience after a treatment. Now that you know about the advantages and disadvantages of laser facial hair removal, you might approach it in a different way.
Considering the growth of the tattoo industry, is it any wonder that tattoo removal would grow alongside it? Modern technology and skin care methods have brought tattoo removal into a whole new arena. There are now numerous different tattoo removal methods advertised. With this in mind, it can be difficult to decide which method is right for you and which is most effective. Prior to adopting any one method of removal, it is very important to do your personal research and make sure you are making the best possible choice for your skin. There are many options when it comes to removed tattoos and no reason to cut corners. Trouble is, this medical skin care market is booming and many companies are jumping on the opportunity to help you remove your tattoos, even if the method is not as effective.
Some methods use chemicals on the skin to promote cell turnover and shedding. Eventually, the goal is to lighten the tattoo since most chemical peels do not result in fully removed tattoos unless the tattoo is small and superficial. Larger and more complex tattoos are far more difficult to remove unless laser treatments are used. Laser tattoo removal is by far the most effective tattoo removal method to date. It is also the most costly. For those who wish to have removed tattoos, it is possible to lighten and ultimately slough off top layers of the tattoo with peels or dermabrasion. These techniques usually take far longer to work and use rather harsh chemicals or are rough on the skin. Some may opt to have their tattoos surgically removed if all other methods have failed.
This usually involves surgically removing the top layer of skin and having a skin graph performed if the area is large. Again, this method will certainly result in removed tattoos, but it may also result in scarring. Laser tattoo removal may leave some shading of the former tattoo, or its outlining, but it will typically not leave scars as long as the skin is properly cared for and the person undergoing treatment is generally healthy. It has become increasingly difficult to decide on how to acquire removed tattoos with the many options available. Regardless of what is advertised, as of today, modern medicine offers the most effective tattoo removal through laser treatment. Laser treatment involves high frequency light which breaks up the ink beneath the skin so that the body's immune system can naturally and gradually remove it. Unlike other treatments which force the skin to shed, laser removed tattoos are gradually lightened and removed over time in a way that is better for the skin. After each treatment, the skin should be cared for like a sunburn and treated with care. For the most effective tattoo removal, laser tattoo removal is the best option, though costs are not covered by insurance and for larger tattoos, it can be a substantial financial commitment. It is important to make sure that whatever option you choose fits your needs and is within your budget.
This tattoo will look great in 30 years! Have you or someone you know ever get a tattoo that you later regretted? Tattoos often seem like a cool thing in the moment but later it can become an embarrassment. However, we have the technology for a solution! In this interactive procedure, you will learn about the process of Laser Tattoo Removal. You will use a cold compress to prepare the area of skin to be treated before using a laser to remove the ink. We will go over the different kinds of lasers used for different color inks, and choose the best one for the job. In order to keep the process from becoming too painful, we will use a small machine that expels freezing cold air onto the affected area. When it's all done, we will teach you all about the recovery process.
I had laser liposuction done years ago post pregnancy on my lower abdomen area but the results were underwhelming and also left a scar I had to have removed with the fraxel. I also did the coolsulpting which was extremely and hardly any results. In late 2017 I was debating another round of laser liposuction or a tummy tuck and decided to try the sculpsure laser fat removal as a last resort. I did the procedure with Manhattan Aesthetics targeting upper abdomen lower abdomen flanks as well as inner and outer thighs. The results are insane! I lost a bulkiness have really good definition. It wasn't painful either and this was with just 1 round of paddles.
Chances are you have heard something on the radio or seen a commercial referencing Laser Treatment Sculpsure hair removal. Laser hair removal is the process of removing unwanted hair with — you guessed it — laser treatments. While a straightforward process, it isn't only just for women who want to be hair-free on the beach. Both women and men choose to get laser hair removal for various reasons. If you or someone you know is considering laser hair removal, here are some things you should know about the process and the subsequent results. What is Laser Hair Removal and How Does it Work? Laser hair treatments remove many of the hairs at the targeted area, but not all of them — so think "reduction" versus complete and total removal of every follicle.
The way the laser hair removal process works entails the use of a device that passes a concentrated beam of light over your skin at the specific area where you wish to have hair reduced. The laser's light targets the area, and safely damages and halts the growth of hair follicles. A laser system such as the one Sona Dermatology & MedSpa employs involves a series of high-repetition pulses that increase the temperature of the hair follicle and surrounding tissue, destroying hair at the source. To achieve optimal results, you'll need to undergo several treatments over the course of multiple weeks.
"Laser hair removal is one of the most gratifying treatments we offer. After going through a series of 5-7 treatments, the goal is to see significant hair reduction - to the point where regular shaving is unnecessary. It is so wonderful to have silky smooth skin without needing to shave every day," says Shelley Hoffman, a physician assistant at Sona Dermatology & MedSpa in Frisco. Laser hair removal is permanent, and clients typically enjoy long-term results that mitigate the need for shaving, hair removal creams, and waxing. However, some clients may need additional treatments depending on skin and hair type to achieve the desired results. What Areas of the Body can be Treated? "Laser hair removal addresses the issue of unwanted hair from any area of the body, leaving the treated area smooth and flawless.
It is also highly effective in resolving the issue of ingrown hairs by permanently disabling the hair follicles that produce hair," states Blessing Ogunsefunmi, a nurse practitioner at Sona's Sugar Land location. Who is a Good Candidate? Since laser hair removal uses lasers that target melanin, skin and hair types that are on extreme ends of the light or dark spectrum are typically not optimal candidates for treatment. According to Hoffman, "Here at Sona we treat most skin types, however, the best candidate for laser hair removal a person with light skin and dark hair. What to Look for in a Provider?
If you've decided that laser hair removal is something you want to pursue, choose a provider with care. Ideally, you want to work with a licensed medical provider in a comfortable, relaxed setting. It's also a good idea to find out if the provider offers any guarantees or promises about the treatment and results. "Providers should be thoroughly trained and adhere to a strict protocol, with medical oversight," says Hoffman. Sona Dermatology & MedSpa is the largest full-service aesthetics company in the nation with four locations throughout the Dallas-Fort Worth area and four locations in the Houston area. Sona offers numerous non-invasive cosmetic procedures including laser hair removal, CoolSculpting, Botox and other injectables, and laser skin rejuvenation. Sona's focus has always been its clients, providing them with exceptional service, efficacy, and safety in a comfortable, spa-like atmosphere. Under the oversight of medical directors, treatment professionals maintain strict safety standards and use the most advanced technology to help clients look and feel their best. As a leader in the aesthetics industry, Sona is committed to providing the best possible results.
Body image is a scary issue. We shouldn't be afraid of what our bodies look like, but unfortunately, that's not the world we live in. The media and general culture depending on the country you live in have a high influence on what you are supposed to look like. What that means is, each country has different images that are popular with them. In China and Italy, for example, sought-after women are usually very thin. In Nigeria, however, the most attractive woman is usually overweight. Men are also subject to this very same judgment. Nevertheless, these ideal body images can vary within a country as well. All these images and the way they vary is stressful. When we see examples of fit specimens all around us every day, it can push us and motivate us to change our own bodies. Once we have that motivation we start off strong.
A healthy diet, exercising a lot, cutting down on alcohol and all the other standard recommendations for losing weight. If you're like me, then you might have learned the hard way that sometimes those recommendations don't work as well as you thought they would. Some people see results within a few weeks, and others never arrive at their goals, which makes them lose hope and give up. Worse, some actually end up gaining weight instead of losing it as they first intended. Why does this happen? Stress and lack of sleep are common inhibitors. Another reason could be that you're not eating enough of the right nutrient-rich foods. If nothing seems to work, there are new and minimally invasive ways to reduce fat without having to resort to traditional liposuction. As it turns out, there are many scientifically backed reasons as to why you're not losing weight.
And believe it or not, working out too much might be one of them! In this article, we will look at 5 ways to lose belly fat which are not the standard recommendations, for those who need to dig deeper. Yes, I'm recommending you eat more, but don't frown yet. If you think I'm saying you should double up on the bacon for your hamburger, you're sorely mistaken. When I say eat more, I mean eat more of the nutrient-rich foods that your body needs. An extra serving of vegetables to your standard meal will help you get the fuller feeling. It will also provide you with the necessary vitamins, minerals and other nutrients for weight loss.
Many people opt for calorie reduction when losing weight, but in reality, that's not the answer. You have to eat more superfoods and vitamin-rich foods which accelerate your body's metabolism and help you shed pounds. For example, foods which are high in protein are practically essential for weight loss. Your body burns fatter when it digests protein in comparisons to other foods. So you lose weight by eating. Fibre has a similar effect. Find some recipes and feel great while eating loads! Not too long ago, I didn't even know what mindful eating was. When it was first mentioned to me, my initial reaction was, what? "Mindfulness means focusing on the present moment, while calmly acknowledging and accepting your feelings, thoughts, and bodily sensations." The tenets of mindfulness apply to mindful eating as well, but the concept of mindful eating goes beyond the individual.
In layman's terms, mindful eating teaches you to appreciate what you eat instead of how much you eat. You embrace the present moment as a meditation technique. This allows your taste buds to explode in satisfaction when you finally take a bite. It involves taking the time to understand where your food came from, smelling it, and chewing a lot more than you normally would. I felt ridiculous when I first picked up the practice. Now, I find that I appreciate my meals much more than I used to. This leads to a generally more satisfied feeling when I end a meal. Some personal trainers will tell you that you need to push yourself to your limits and sweat buckets to lose weight.
I'm telling you that you need more sleep. Aside from helping your muscles recover after exercising, sleep also helps with proper digestion. A report by Time says that getting enough sleep can reduce your cravings for junk food and gives you a longer feeling of fullness. In addition, they report that you burn better calories with good sleep, and it makes you more likely to exercise and follow your diet. Don't take this the wrong way; you shouldn't sleep too much either. Get the standard 8 hours and combine it with your diet and workout routine to achieve maximum results.
The idea of gaining weight due to stress-related issues is often neglected. In reality, it's a major contributor to weight gain. If you want to get thinner, you should focus on outside factors as well. As a natural defense mechanism to fight stress, your body creates a hormone called Cortisol. It is released when high levels of stress are detected in the body. The problem with Cortisol is that it also increases the levels of insulin in your body. Insulin makes you hungrier. Emotional eating is a real thing. That stereotype of a heartbroken individual eating a tub of ice cream while crying at a romance movie didn't stem from anything. It actually happens and it is backed by science.
If you want to lose weight, you should figure out what your stress triggers are and how to reduce them. Yoga is an excellent way of reducing stress while exercising at the same time. There are many ways to reduce stress out there, find one that works for you. So you've tried all the natural forms of losing weight and nothing seems to work for you. That's okay, it's common to lose motivation when we don't see results. The good news is, technology has made significant advancements in the form of fat removal. Traditional liposuction is problematic because it removes all kinds of beneficial tissues while sucking out fat cells.
Laser fat removal works in a different way and shows better results with less downtime. There are two ways laser liposuction is performed. First, a local anesthetic is applied, followed by an incision made by the specialist. The specialist then inserts a metal tube called a cannula and uses the laser to liquefy fat cells from the inside. The body then naturally expels those burned cells through natural bowel movements. The second method involves the application of a pad on the outside above the area that you want to reduce. Once it is turned on, it starts to zap away the fat cells without any surgical procedure. Both ways have been proven to work very well, as long as the patient understands the conditions. Essentially, laser lipo is supposed to be for those who are looking to improve their current bodies, and not for those who want major fat removal. It's more of a perfection tool. Either way, patients have minimal side effects and can usually return to their daily activities right after they leave the clinic. Those are 5 lesser-known ways to lose weight. Everyone's body works differently, and there isn't one golden rule for weight loss. People have to try and combine different methods to see what works for them. Natural remedies are everywhere for those who want to lose weight at home. On the other hand, surgical approaches have developed a lot. Find what works for you, and feel better while you do it!
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Take Charge of Stress with my SALLY System
Posted on July 08, 2022 by Kate Chartrand, One of Thousands of Life Coaches on Noomii.
Learn the simple steps of my signature SALLY System to take charge of stress so it doesn't take control of you!
You are the manager over your thoughts, emotions, and actions, and there's one important emotion on your team who is responsible for protecting you – I like to call her Sally Stress. When your brain senses you're in danger, either because of an actual event or your thoughts, Sally comes to protect you. If you pay attention to your body, you can sense when she's coming. Your muscles tense, your heart beats faster, your chest feels tight… And when she's with you, she can actually give you an energy boost so you can be safe, or rise to a challenge.
But, if she sticks around too long, that's when things can get ugly (what we would call chronic stress). She can even morph into Burnout, making you feel exhausted, overwhelmed, and detached from your family. You feel stuck and unmotivated to do things that you used to enjoy, like playing with your kids or doing hobbies.
I created the SALLY System so you can avoid Burnout and successfully manage Stress in your everyday life:
S is for Stop: Stop when you notice Sally Stress coming – notice the body signals that she sends (fast heartbeat, tense muscles, sweaty palms, etc.).
Accept her: Accept that Sally's there to protect you from danger, and that the energy boost she brings can help keep you safe or motivate you.
Let her help: Let Sally's energy boost help you in the moment, but only let her stay for a few seconds, if you can. You might get motivated to do something you've been procrastinating, or to get your kids where they need to be on time.
Let her go: Let Sally go, using any kind of repetitive action (rub your fingers together/do square breathing/do jumping jacks/go on a walk). If she still doesn't get the message, pray (if you're religious) write in your journal, or talk to a friend. These things will help you change your perspective of the situation, so you don't feel threatened.
You time: Take time for yourself every day to stay STRONG and resilient.
Here's another acronym for you to remember – STRONG!
The S stands for Sleep – try as hard as you can to get at least 7 to 9 hours of sleep every 24 hours. Sneak in naps if you need to, especially if you have little ones who aren't sleeping through the night.
T represents Thought training – practicing mindfulness, affirmations, and gratitude for just a few minutes a day can train your brain to let go of toxic thoughts and focus on resilient thoughts.
R is for Recharge and reach out – schedule in time every single day to do something fun that recharges you. Take a power nap, call a friend, do an act of kindness – whatever fills you with energy and rejuvenation – even if it's just for five minutes a day.
O represents Outdoors and exercise. Taking 15 minutes a day to go walking outside does wonders for your stress level and happiness!
N is for Nutrition. Fresh fruits and vegetables can help reduce your stress, while sugar and processed foods can increase stress. Probiotics, fiber, and healthy fats can help your body detox from an overload of stress hormones. And don't forget to drink plenty of water so your body and brain can function well!
Lastly, G stands for Greater meaning. In every challenge, you can find greater meaning behind it. What lessons are you learning? How are you growing? How is this helping you and/or your child become stronger and develop the characteristics you want? Every challenge can be turned into a gift and growth opportunity.
When you're ready for my help to let go of stress so you can enjoy your life, please reach out to me!
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Each Tuesday, rather than a POSSIBLY IRRITATING ESSAY, I'd like to both challenge you and lend a helping hand. I generate more speculative and teen story ideas than I can ever use. My family rolls its collective eyes when I say, "Hang on a second! I just have to write down this idea..." Here, I'll include the initial inspiration (quote, website, podcast, etc.) and then a thought or two that came to mind. These will simply be seeds -- plant, nurture, fertilize, chemically treat, irradiate, test or stress them as you see fit. I only ask if you let me know if anything comes of them.
F Trope: Comic Fantasy – "…literature that is parodic, lighthearted, wacky, snarky, or just plain buffoonish."
Current Event: http://www.sciencedaily.com/releases/2013/10/131023101349.htm, (old event): http://www.sciencedaily.com/videos/2007/1212-tree_tracker.htm
Dural Jungkarara stopped on a ridge, and shading his eyes from the early-morning sun's glare, looked down into the valley. He said, "This is it. The oldest gum trees in the world. I can't miss." He started down the trail. Bushwalking for days in the forest, talking to other walkers he'd meet and surreptitiously on the lookout for the Tarkine's oldest sites, it had taken him three years and working some of the worst jobs he'd imagined to get here.
A reddish mountain dragon – (He'd once commented, "You sure don't look like any dragon I've ever imagined") – Oolah Wadjari, clung to a thick, quilted pad on his shoulder. She said, "To get an idea of exactly how much we can miss, may I remind you of The Great Canberra Disaster?"
He just grunted and headed down the trail. Twenty minutes later, he said, "The only thing that can activate my powers is 'a tea from the leaves of prehistoric trees'."
"So says an elderly woman who couldn't even speak English," said Oolah.
"Hey! That's my nanna you're talking about!"
Oolah replied, "No insult intended, Boy. I was her familiar for sixty years before I came into your service!"
"Yeah, but I never heard you talk to her like you…"
"Oh, I did, Boy! I did! Ask her about the time she and I crossed the Great Desert when she was fourteen! Two years younger than you and she had wild visions of changing the world..."
Dural turned abruptly and dropped to his backside, sliding down the embankment between the switchback trails.
"Hey! You're not supposed to do that, Boy! It's lurk! You could get a fine!"
"Maybe they'll confiscate my pet," he said, stopping only two trails downhill.
"I'm not your pet – we're partners."
"Partners in what?"
The lizard snorted and a puff of smoke popped from each nostril. "How easily your forget."
"I didn't forget."
"Then why not say it?"
"Bonza, then, gecko. Who killed nanna and how? That's what I'm here for."
"What about me?"
"I don't know why you're here. Maybe to see the country? You sure haven't been much help to me so far."
"What about...," the lizard began.
"Not that again! More to the point, what about Canberra? I certainly didn't make that big of a mess all by myself! If you'd kept your fire-breathing abilities a little more carefully under wraps..."
"My abilities! What about you? What made you think you could use an invisibility spell like it was…like it was…"
"Like it was a magnification incantation?" The dragon blushed orange in embarrassment as a silence fell over the Tarkine wood as the boy and his dragon continued down the side of the hill. Oolah gripped the shoulder pad tighter and Dural rubbed first one eye, then the other. "I'm not crying," he said when the lizard stirred on his shoulder. "I just need to figure out what will make the powers she told me I had manifest in a way I can use to find her."
"And when you do find her? What then? What if she disappeared because she wanted to? What if she left this world because it was her time to leave – her choice to leave?"
"Did she tell you she was ready?" Dural shot at the lizard. He knew the answer. They'd discussed it months ago. They'd discussed it in the juvenile detention center in Hervey Bay, just before they broke out of there. They'd discussed it endlessly since leaving Kununarra in Western Australia and hitching and walking and working south until they finally reached the largest piece of Gondwanan Rainforest on the planet. "The answer?" Dural snarled.
Oolah sighed a puff of smoke and finally said, "The answer is that she was not ready. Nowhere near ready."
"Then that's why we're here. We need to find her and help her. Save her life like she saved mine."
Names: ♀ Australian Aboriginal (= red lizard), Tribe name (Western Australia) ; ♂ Australian Aboriginal (= hollow tree that is on fire), Tribe name (Queensland)
Resource: http://www.babynamenetwork.com/Baby-Names/8/Aboriginal/All-Genders.htm, http://www.parks.tas.gov.au/indeX.aspX?base=5297
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Challenges Only Girls with Human Hair Extensions can Understand
Hair extensions are the most beautiful and useful discovery that can change a person's look in a minute. It is that perfect product that instantly helps to enhance your beauty and help you to look gorgeous. But it is not that easy at all! It may look beautiful, but it also brings a few easy yet unwanted challenges that every girl faces while and after using hair extensions.
Let's check out the amazing challenges every girl can understand who love to use hair extension.
It takes some time to use to that! Yes, you read it right, many professionals will not tell you that, but many females feel hesitant to use this on a regular basis as they feel it won't go along with their actual hair! While it absolutely depends on what type of extensions you are buying! If you buy cheap quality synthetic hair extensions then they will not fit with your natural hair, while if you choose to buy real human hair extensions you will get an attractive and appropriate look!
Now you may think, human hair extensions may cost a little bit high. Yes, these are expensive but it will stay for a long time. Well, as they are made with actual human hair and after owning one you can do anything with it! So if you're going to invest in this it won't go waste at all! You can cut them according to your hair length, dye them in any colour you like and also you can use any kind of styling gadgets you like! Although you need to take proper care of your highlighted hair extensions.
You need to keep your hair extension properly and never go to sleep while you are wearing it. No one can control their sleeping position, so your extensions may get tangled while you are sleeping, don't you think it will be your hair extension! Hence it is good to avoid hair extensions while sleeping and also comb the extensions properly it has no tangle. In simple words, you need to have a good amount of time to take proper care of your hair extensions.
Another thing is that you need to be more gentle with your natural-looking hair toppers while you are combing them. Without extensions, brushing your hair carelessly might lead to breakage. But if you brush your hair extensions with wild abandon, you risk ripping out your hair in addition to causing breakage. Also, you need to use proper shampoo and conditioner to make the extensions healthy and shiny!
Sometimes your extensions may feel itchy on your scalp if you don't go for permanent extensions. Your scalp may itch as a result of the extension component that is taped in or glued in rubbing against it. Then, you must be careful not to accidentally pull on the bundle of hair included in the extension with your fingers when you go to scratch the itchy area because doing so could cause pain and pulling.
Don't you feel these things are worthy enough to worry about!? That's why bring this topic for your help so that you can buy your first hair extensions without any worry!
To know more, please visit https://www.thegorgeoushair.com/collections/hair-extensions
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Quit Smoking Past Life Regression - Clinical hypnotherapy - Hypnosis - Divine Organ Transplant - Grand Reiki Master - Ho'oponopono - Emotional Freedom Technique - Soul and Spirit Healing - Karma Cleansing - Weight Loss and Slimming - Public Speaking and Corporate Wellness - Pain and Stress Management - Divine Healing - Ancestors Forgiveness - AURA and Chakra Balancing - Aura photograpy |
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"I was going down a road of confusion, and bitterness, and pain, and darkness, and this Dr PAM (ANIL PROAG) literally saved my life. This person who works with Angels and Guides has solutions for any and all the problems " – Esha.. Bank manager. "This is probably the most relaxing and rejuvenation 3 days I've had in years after my PAST LIFE REGRESSION. I feel completely renewed, like I am ready to take on the world." Dr Pam(Anil k Proag), thank you. 2 hours at 8000/- was worth it --Paul ...AUTHOR "Since the day I finished MY WEIGHT LOSS TREATMENT, I have felt absolutely more energized, more focused, younger than I have in many years. I lost about 13 lbs. which I've kept off, I have more energy, I wake up more easily, I stopped taking sleeping pills" --Frank ...Flight Attendant Thank you so much for guiding me to make the right decisions in choosing my career and getting admission to the University of Mauritius. Faisal, ... student The daily fight in my house is over now, as per your instructions I rarely reply back the same day when we are having a fight. My husband cools down and my kids are no more traumatised. Thank you again Dr Pam (anil proag). Soonita ...Lawyer When you said you will be present during the interview I could not understand. But I felt your presence and was very much encouraged and fearless. Luckily I got that promotion at the bank. Love you. Sameer, ... Bank executive. Your Distance Healing saved my job in the Cruise ship that I am working as I was always so tired and sleepless. Not easy to work 12 to 15 hours daily. Thank you and sorry for calling you long distance so many times from different countries. Shanti.. .Room attendant You changed the life of my son with your clinical hypnotherapy system. Although it was costly your hypnosis subconscious reprogramming changed everything. My sons' demand for money daily, hitting me often, not going to the college, coming late at night, being suspended from classes and his brutal language, all completely changed to better. Even all his very bad friends are gone. Thank you, thank you and thank you Dr Pam. Solange,... a desperate mother. I love you and bless you. You saved my home from divorce. My wife had already left me, as she was exhausted from my drinking, gambling and daily fights, but your several sessions of PLR (Past life Regression), Karma Cleansing and your very powerful Tabiz brought my wife back home. My friends do not understand this 360 degrees change. YOU are a very special healer and even brought back my Jinn. Ismael, ... Chief Executive Because of problem with the other women, my wife also started having an affair. My job at the hotel was suffering. My friends had left me. My kids were not talking to me. I was as if under a spell and everything was going wrong. Your Talismans, daily prayer and Tapping sessions with counselling saved my Job. The other women left the country and my family got united. I was able to save my Job. Dr Pam because of your treatments and prayers I am me again. Thank you. Paul,... Hotel manager | |||||||||
The information on this web site is presented for educational and informational purposes only. It works only if you have faith and believe in me.If you have any doubt consult a medical profeesional who has an expertise in what I have presented here. In no way should it be used as a substitute for the advice and care of a medical professional. Site created using XSitePro . 2012-14. COPYRIGHT Dr Anil Kumar Proag, INTERNATIONAL REIKI INSTITUTE, Advanced Energy Therapy Center, Mauritius. All rights resrved. This page last updated: 09/29/2013 09:23:50 |
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I've written elsewhere about the three types of sex in a long-term relationship: Simple Sex, Sensual Sex and Spicy Sex. I thought I'd write a little more on Simple Sex.
In a society that focuses on the 'bigger harder faster' type of sex, you could be mistaken into thinking that good sex is all about swinging upside down from the chandeliers. It's not. It can be, but sometimes it's good to be short, sweet and simple. Just comforting, nothing more, like a cup of tea, or a hot buttered muffin. read more...
The LoveLife Blog: guidance on mindful, bodyful, soulful loving!
Simple Sex is Good Sex
"When One is Pretending, the Whole Body Revolts"
"When one is pretending, the whole body revolts".
This is a brilliant quote by the early 20th century erotic author Anais Nin. What it means is: when people pretend during sex, when it's an act rather than true expression, then over time their body (and soul) revolts.
read more...
Non-Linear Love-Making: the Picnic Approach to Sex
The standard approach to sex is rather like a three course meal, it proceeds in set stages: you kiss a bit, fondle a bit (maybe give her an orgasm), then have vigorous intercourse until he comes. The End.
It's not a bad model for sex, but it's limited, and can get pretty boring over time.
I suggest you take a less lineal approach to sex and think of it less like a three-course meal and more like a picnic. At a picnic everything is available in front of you and you can pick and choose whatever you want, in whatever quantity, at whatever pace, and in whatever order you please. read more...
Be Real, Express Freely
There's a beautiful quote from Anais Nin:
There came a day when the flower realized that the pain of remaining tight in a bud was greater than the risk of opening up and blossoming.
That's how people often feel about their sexuality before they come to see me. They can't bear being a tight bud any more, they can no longer deny their need to blossom. It's what I love in this work, whether it's with private clients or in the group workshops, people start to tap into their true selves and to allow themselves to be who they really are and express themselves honestly and openly.
read more...
Have you ever had a gigglegasm?
Do you even know what a gigglegasm is? read more...
Evolve with the Seven Elements of Sexuality
Over my years of clinical and academic involvement in sexuality (not to mention countless hours of personal 'research') I have identified seven underlying elements to our sexuality.
These elements are all essential to having a strong, healthy, integrated sexuality. If you are weak in any of them, your sexuality will be out of balance.
These elements are also developmental, each element includes and transcends the ones before. If you jump ahead before you've developed and integrated the earlier elements, that too will cause your sexuality to be out of balance. read more...
Sink In to Sync In
It's Autumn, the "season of mists and mellow fruitfulness" to quote Keats - a time of ripening and reaching fulfillment. Mmm, doesn't that sound so sexual!
It's not an intense, fiery time of year though and I don't advocate an overly intense approach to sex.
Too many people go too far too quick, rushing into it, without allowing the time for the 'ripening' in order to achieve real sexual fulfillment.
Truly awesome sex always takes connection, a 'sinking in' within oneself and with each other. It's different from the rapid-fire approach to sexual excitation, which is the more "normal" mode in this society. With this sinking in comes a 'syncing in', where you can let go and really feel each other, really tune in - and for a while the two can indeed become 'one'.
read more...
The Adolescent Male Masturbatory Model of Sex
For generations we raised our girl children to think they're not sexual, that they shouldn't be sexual, and if they were sexual - stoning or burning them to death or locking them away in insane asylums. Women didn't have a chance to explore their sexuality, and neither did their partners.
So, with no alternative, when a man married he basically kept on doing with his wife what he'd been doing with himself for years - masturbating. Since puberty the adolescent boy had been stroking his penis as fast as he could until he ejaculated. So when he got a female partner, not knowing any better, he kept doing that inside her.
Essentially men were masturbating inside their wives.
read more...
Project 'Great Sex'
It's the new year, a time for committing to bettering yourself. What better area of life to commit to focusing on than your love life?!
Whether you're single or partnered, we can all focus on that fundamentally important contributor to health, happiness and well-being - your sexuality!
So I'd like to suggest you commit to a Year of Great Sex! Let's call it your 'Great Sex' Project.
read more...
The Bedroom is for Expression, Not Suppression
Sex is one of the great forms of human self-expression. It's a place where creativity, physical movement, pleasure and joy can manifest, just like the other forms of human expression - music, art, design, dance, cooking, sport, even writing. read more...
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Recent Posts
- Finding the 'More' - the Spiritual Dimensions of Sex
- How to Stay In Love
- Expanding Your Sexual Play Pt 2: How
- Expanding Your Sexual Play Pt 1: What
- Simple Sex is Good Sex
- Solo Sex: Mindful Masturbation
- Own the Crone
- Porn Star versus Prude
- "When One is Pretending, the Whole Body Revolts"
- Non-Linear Love-Making: the Picnic Approach to Sex
- Make Your Bedroom A Sanctuary
- Sexy Debriefing
- Getting "Love Drunk"
- Make-Over Your Sex Life
- Be Real, Express Freely
Earlier Posts
to my LOVELIFE blog for regular inspiration on sex, love and intimacy!
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- Beyond Blue Forums
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Dealing with convert narcissists
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Regards TonyWK
Good question.
Dwelling can be part of your makeup. My mother was a dwelling thinker and us kids inherited it. But at 24yo I embraced motivation and learned to plan my future. I'm now 63 but I still dwell. A lot of it is guilt.
Google (just read the first post)
Beyondblue Topic 30 minutes can change your life
Beyondblue Topic guilt the tormentor
Beyondblue Topic worry worry worry
In 1987 my first therapist said "Tony, when are you going to stop saving the world"? That led me to realise anxiety from guilt and worry were serious issues.
At the emd of the day we have to embark on acceptance- of who we are, of the limits in how we can change, in our nature.
Beyondblue Topic the frog and the scorpion
Beyondblue Topic the best praise you'll ever get
It's a term of phrase that gets thrown around a lot but if you've been on the receiving end it is not a light matter. When my therapist introduced me to this she suggested reading material & Youtube videos, I went back and said that there was some helpful info in there but the problem I have is that it is often written by an ex-partner of someone with NPD. She agreed and she said the best place to chat about it is in therapy, she can share anecdotal stories to make me feel less alone. For eg they talk about NPD lies but my therapist said they're actually closer to delusions, that are wilfully constructed, lies so huge that you wouldn't think someone could lie about that, such as cancer, the passing of a child or partner, degrees from prestigious uni's, having served the country in a war, CSA/DV. People laugh about it and think it's funny but the maintenance of those lies take more lies and the NPD's anxiety goes up and then becomes rage because they fear exposure. They often have a partner that reinforces the narcissism by being obsessed with them and puts them on a pedestal, they refuse to engage with doctors because they know that they may see through it and put together that they're suspiciously high functioning for someone who says they've been through something like that. This is where their partner comes in, and tells them how amazing they are, when really, their partner has been taken for the ride of their life and doesn't want to see it. Their friendships fall away because no one dotes on them like their spouse and this irritates them. They struggle with monogamy because it reduces their sources of validation. They can even lie about being gay to secure money and a partner with high status, the problem with that tho is they eventually have to go to bed, and that's when it's all exposed. You may think that is funny and that doesn't happen very much, but you would be surprised. They then try to cover it up with some other story of inner conflict that actually doesn't exist, especially if they don't have a better offer. They can mimic other people's personal history, make it their own & even other people's diagnosis. As my therapist said, they become the untouchables because the maintenance of their false identity becomes so taxing that they withdraw and take it all out on their partner, even doctors are walled off because they bag them out too & claim they're incompetent or that they are simply untrustworthy. I would go to therapy and not online.
Hi Def and White Knight,
White Knight childhood memories of Aesops fables Scorpion and Frog .They are completely underrated in their social messages.I loved the comment saving the world my problem as well.Another is acceptance you are what you are and you aint what you aint!! Def I must say that the youtube vidoes as well this site helped me realise I am not alone.I agree you need a therapist to talk to. These NPD do some damage,they have a stable of victims,they need a source of energy.They move onto new prey,leaving the damage behind,the mimicing,the lies were palpable and the false identity.They are like a cyclone going through you life cheers Clownartist
Hi CA,
Our problem is not only narcissistic people or toxic people.
Our problem is ourselves, our lack of defensive ability. If we the vulnerable were hardened non sensitive types, we wouldnt be on this forum.
How do we overcome this sensitivity? We dont. Sensitivity is hard wired into us. Once that is realised we have to seek purely defensive means to find a place of safety.
In my threads - google
Beyondblue Topic fortress of survival
Beyondblue Topic fortress of survival part 2
Both threads go through the natural defense proceedures that most people develop in their childhood. A screening process. Most times this automatic process saves them from hurt.
We vulnerable, stupidly honest types, are blind to the evil in some.
As an example of this hard wired side we lack, some 40 years ago following 3 years in the RAAF I joined a large prison as a warder. You'd think that the things I endured in that toxic environment would toughen me up and make me more wary of nastiness in some people. Not so. Then professions like ranger, security, crowd control and investigations would have me aware of manipulating, cruel people- nope.
My approach, auto mode, is to trust first, get hurt then forgive and get hurt again several times before breaking contact. The dwell about it for years.
So, the "fortress of survival " came into play, a method of departmentalising new people in my life. Rejecting disruptive people cant be taken lightly but once done life gets better and better, calm and order comes as we surround ourselves with love, kindness and stability.
Once our new happy lives continue for some times we then begin to identify disruptive people more easily.
But I still use my fortress of survival!
Hi WK, Our problem is ourselves,I concur.We are sensitive and vulnerable.What fascinates me is how they target their victims.once they have identified a victim they zero in full throttle ,they are sneaky conniving and always watching you ,they study their victims.I have noticed one interesting observation ,when you first meet a NPD if they are overly friendly and familar,you should start building your fortress wall .Any thoughts ,better start bricklaying CK
We should remember there should be a probiso in our thinking.
Those that suffer NPD, BPD etc of a chronic nature, do in fact have an illness.
Having said that my proviso is, if they are seeking treatment of a serious level, my heart goes out to them in every way.
If they are in denial and dont take the hint there could be issues, I preserve myself.
So such people need to enjoy the opportunity to get treatment just like the rest of us. None of us are to blame for our mental disorders only not being proactive on its repair.
Hey Clownartist,
I know too well what you are going through. I have been dealing with 2 of them over the past few years. When one of them caused an issue, it was always somehow my fault. I really dislike confrontation but that was used against me. They were nice to my face but bullies to me behind my back. I went through a lot of counselling and was advised to keep as much distance as possible. I was experiencing high anxiety which lead to a racing heart and heart palpitations. Enough was enough. I started to meditate every night before bed. I repeat affirmations daily that I am good enough.
I somehow stumbled a fantastic book called Dodging Energy Vampires by Dr Christiane Northrup. It's been amazing. She talks about the signs of an energy vampire and how they behave. She also discussed the biological reasons behind their behaviour and basically says it's all about them and not you. You can't change them. My anxiety has now gone.
Hi Mummapetal.,
Sorry for delayed response,just managed to read some of your recommendation Dodging Energy Vampires,Absolutely excellent kept reading oh my God this is me amazing insight .Thanks for recommendation CK
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Ottomans. Wednesday , October 25th , 2017 - 05:38:20 AM
Another great option is bunching coffee tables which are really a matching pair of small, usually square tables. You can place them apart in different areas of the room or bunch them together to create the illusion of a larger table. These versatile beauties offer so many design options for your room you`ll never tire of them.
Tufted Leather ottoman is available in various different stylish designs and textures from which you can really choose the best one for yourself. If you need any help regarding this product then you can also consult the various websites that are operating on the internet. The websites would really provide you all the information that you require. You will see that this chair is mainly available in the classic version and the modern version. The traditional version usually comes with leather covering whereas the modern version comes in various different colours. You must always prefer a product that goes well with your home décor. If it is not matching well with the interiors then you can consult other options also.
So, since we know why ottoman coffee tables are practical, we can talk about why they have a pleasing appearance. This is because they are styled a number of eye-catching ways through the materials that they are made from and how they can be accented and finished. For instance, you can get a classic one briefly talked about early that is made entirely of brown leather with a tufted top. Or, you can get another one that simply has a black leather top, but instead of the leather covering the whole piece, it just covers the top and has a wood base finished in a cherry that nicely supports it featuring a clean look. There are other options too, like those that have a contemporary vibe and others that are more on the antique side.
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Any content, trademark/s, or other material that might be found on this site that is not this site property remains the copyright of its respective owner/s. In no way does Bogaha claim ownership or responsibility for such items, and you should seek legal consent for any use of such materials from its owner.
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I wanna say thanks a billion once again in a proper way for all sincere wishes you people gave me on my Birthday .I ain't good in saying thank you, etc etc .It juts hit me that I should say in a proper post long ago.Seriously I did not get time. Never mind, I love you. ;)you people mad my day .I told about that everyone in my home. I sometime don't believe people around the world makes me feel special . Prove is I still have 6 to 7 awards to forward and 3 tags to write .
For everyone's kind information I turned 26 and feeling great .Yeah I know I'm getting over the hill ____it's a time to get serious about everything.There are so many stuff in this world I don't know,yet.So many dreams in my eyes which have not come true,yet .So many places I have not seen, yet .So many things to explore .So many secrets to revel.So many books to read. So many feels to feel.So many songs to sing .So many dance to dance .So many people to meet.So many things to write .......So many.
I was watching news about how life have become frozen in Europe and in our up north as well .Few people died in Romania. Geez, no matter what my summer is best. Do you know scientist literally lied O_O.You can see that there is no globe warming .With the passage of time summers are becoming hotter and winters are then before .Where is Global warming ?I reckon they did this for fund .
Valentine day is day after tomorrow .Till now the Millennium mall has been red washed Dracula something .And normal KFC burger price has been raised. God bless V-day Nothing special in my mind at a moment .I have asked my best friend to be my valentine. He is happily married man, lol. But he is only good looking man sort of available. Just joking .He is an awesome best friend anyone could have ever asked for.
But few days ago I really met one gorgeous man ____who is also married.I can't explain in words how gorgeous he was.Sobs*
Why ,God? Why ?Why on this earth all good looking gorgeous man around me are married. I would prefer to jump from the Habbib Bank building rather to be with a taken man.Sorta deal breaker.
OK,I gotta go now .Just came to say Thank you, and Happy Valentine day ;).
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LETS (Local Exchange Trading Systems or Schemes) differ from currency schemes in one important way. The LETS philosophy deals with bartering of goods or exchange of time rather than money. Within a community, Janie might spend time babysitting at Kitty's to earn 'credits', and in return get some seedlings for her garden from Bill. Kitty might bring some home-baked biscuits to a swap meet and trade them for Bill to do some gardening for her. Jason might fix Bill's computer, and so the favours go around. LETS formalise a 'help-your-neighbour' philosophy. Many, many such projects exist around the world, and there are hundreds in Britain alone. Most deal by using centrally coordinated time banks or monthly swap meetings. Few have tried issuing notes to keep track of their projects, but the known schemes are covered on the following pages.
Many more unknown examples may exist, as these schemes are extremely localised. Should anyone know of printed notes please contact us, so additions can be researched.
The Chichester Transition movement has been active since the mid-2000s. In 2010 the group launched their new currency, the Chichester Tchi (Transition CHIchester). From the outset, this was a time-based currency, with one Tchi representing an hour's work. Alas like so many other schemes, the Tchi could not gain popularity having around 150 members at its height. Despite a last-minute move to use an electronic platform, the currency fell into disuse during 2015.
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The 4 p's of marketing – the marketing mix strategies technology management, finance, insurance, 8 ps of services marketing 06 marketing mix limitations. Analysis of aviva marketing have more appeal to customers than the marketing strategies of other car insurance models to non-life insurance. Global assignment help provides sample on strategic marketing of tesco marketing strategies of tesco like insurance and other financial services,.
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Dear Leo, Hello little buddy. Guess what? The sun is out once again. This is the best news EVER! We had a lot of fun throwing the bouncy balls, you going on the slide, and romping around in the backyard this morning. There is something about the sunshine that ignites the puppy in me. IContinue reading "One Hundred and Thirty One Paws"
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One Hundred and Thirty Paws
Dear Leo, Guess what little buddy? The sun is back again today! Hip, hip, hooray, as we say! You said, "Yay," so many times this morning during several play sessions outside that I lost count. You came back from an adventure with mama talking about big, "Booms!" I can only presume that meant that youContinue reading "One Hundred and Thirty Paws"
One Hundred and Twenty Nine Paws
Dear Leo, The. Sun. Has. RETURNED! Cue all that loud music that mama and dada play please because, THIS, is a moment to behold. The sky began to clear part way through our walk this morning and I was overjoyed. We went back outside and played together, and then you went on a, "walk explorationContinue reading "One Hundred and Twenty Nine Paws"
One Hundred and Twenty Two Paws
Dear Leo, Do you know what my favorite thing about the weekend is? Our walk with dada and all our family time. I love when the whole pack is together. Do you know what the word pack means to a doggy? Well, in short it is the group to which a dog belongs. Our familyContinue reading "One Hundred and Twenty Two Paws"
One Hundred and Twenty One Paws
Dear Leo, Last night I helped dada with the night time stories in your room. I was a stealthy curled up sleeping doggy. I have a special corner of your room that I like to settle into, or sometimes I like to squeeze myself between the rocking chair and the big blue cushion chair. EitherContinue reading "One Hundred and Twenty One Paws"
One Hundred and Twenty Paws
Dear Leo, You are one funny baby. This morning you enjoyed playing around, digging, and scooping muddy water and just plain mud all around the yard. Then you came up with this game to throw the bouncy green ball into the muddy water again and again to see how hard it would bounce. You seemedContinue reading "One Hundred and Twenty Paws"
One Hundred and Nineteen Paws
Dear Leo, Today you and mama came back from Grandma's house and I knew this, because I smelled her hugs on you! I know a grandma hug when I smell it! I'm not sure if you realize that they were my grandma first, and then your grandma because I am older than you. I wouldn'tContinue reading "One Hundred and Nineteen Paws"
One Hundred and Fifteen Paws
Dear Leo, Today was the day. We finally got the sunshine we all needed this morning. It was so dry in fact, that our backyard puddles are no more! I was ecstatic that it wasn't raining. We raced around and around and around. We did poo detail together and with the mama of course. WeContinue reading "One Hundred and Fifteen Paws"
One Hundred and Fourteen Paws
Dear Leo, Today, I have unfortunate news. It rained again so much that I was soaked within the first ten minutes of playing outside. I wanted to go inside and have dry paws after I got soaked. Mama dried them off and then she took you on a puddle walk with your giant frog suitContinue reading "One Hundred and Fourteen Paws"
One Hundred and Fourteen Paws
Dear Leo, Sometimes we team up and investigate things. Take the upstairs for example. You have these two amazing thumbs on your hands and you use them so well. I didn't realize that you could grab the things that are on the so-called shelves. Some of the, "things," look really exciting to chew on. IContinue reading "One Hundred and Fourteen Paws"
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To make Comments write directly to Jim at [email protected]
Sunday March 27, 2022
Some magpies in Australia proved themselves smarter than a group of scientists. Magpies are known for their intelligence; they belong the corvid family which also includes crows and ravens.
A month ago, Australian ornithologists hoped to learn more about how wild magpies socialize. So they devised miniature backpack transmitters, weighing less than a gram, that they could strap onto individual magpies.
They designed the backpack so that the magpie carrying it couldn't possibly remove it.
They reckoned without the intervention of other magpies.
Categories: Sharp Edges
Tags: altruism, Magpies, Australia
While I worked in Toronto, a group from our office made regular trips downtown to give blood.
On one of those trips, I saw a man I knew walking aimlessly along the street. "Don!" I called. "Come and join us. We're going to give blood."
I knew Don McCallum from his time as a minister in Newfoundland. I had visited him twice in Baie Verte; he had written articles for the magazine I edited, the United Church Observer. As we lay in adjoining tiltback chairs, filling our bags of blood, he told me that he had felt that he was in Toronto because he felt that God was calling him to move on.
He didn't mention that he had been in Toronto for several weeks already. He hadn't found a church that needed him. He was broke, despondent, and homeless. He had just 23 cents left in his pocket.
"I was about to give up," he told me years later. "I thought I had nothing left to give. And then you showed me that I did still have something. I could give some of my blood to someone who needed it."
Categories: Soft Edges
Tags: blood, blood donors, Canadian Blood services, Dalai Lama, altruism
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Humans are inherently social beings. It's in our nature to form social connections because it's our way of surviving and thriving. One of the most basic ways we achieve this is through interactions. Interacting with another person allows us to connect and build a bond with them.
As each person is unique, it's essential to understand the differences between each interaction, especially since it can either make or break a connection or relationship. If there's one thing I noticed working as a contact handler in the past, it is that, in every interaction, you're either going to complete or compete with that interaction. They are very similar words – but with only one letter different!
And what does that L stand for? It stands for the common LINK, common LOVE or common LIKE when communicating with people that, once you find it, makes it easier to connect and build a relationship with them.
I believe we've all heard the expression, "No man is an island." In essence, this common link also means the same thing: everyone is connected. Each of us requires the company and comfort of others to thrive and build a community or society.
But since it can be difficult to have the confidence to start that connection, most people end up leaving it to chance. I'm here to tell you there's a way to do it by design, which I discuss in the podcast above. But to give you an overview, here's a couple of key concepts you can use as notes to help you grasp the concepts.
Key Concept #1
Building a relationship means asking the right questions and knowing the most fitting statements to create a conversation. One of the best ways to do it is through the 3-4-5 approach.
The 3-4-5 Approach
There are a lot of things you can learn about someone when you talk with them. You get a glimpse of their values, understand their reasonings, and discover their beliefs. Having a conversation with someone reveals their intentions and biases, which gives meaning to how they think or do certain things. All of which are essential factors in determining how you'll build a connection with them.
Conversing with someone is simple, but if your goal is to understand their innate behavior, you'll need to be more specific with how you approach them. That's why you need to ask the right questions that make everybody stop and pay attention to you. To do that, I follow the 3-4-5 approach, which stands for statements of 3, 4, and 5 words that you can use to initiate conversation. Here's what these statements are.
"I'm just curious."
When you start asking using this 3-letter sentence, your subconscious mind stays open. It makes the person you're asking think you're curious, inquisitive, and interested in them. It opens the discussion to other topics that will help you get to know them better.
"Well, you know how.."
After opening the conversation, you follow it up with this 4-letter sentence. This keeps the connection going, moving towards establishing a form of rapport and allows you to say whatever it is that you want to bring to the table. For example, "Well, you know how you mentioned XYZ was important? I agree and I think that we could XYZ"
"Would it be okay if…"
And finally, you expand the conversation further with this 5-letter sentence. For example, "Would it be okay if I follow up?" or "Would it be okay if we use this method?" Using this statement provides an opportunity to ask more questions and eventually discern their preferred communication style.
Key Concept #2
Discerning a person's preferred communication style involves determining their:
Pace perspective – which is their preferred pace of the environment.
Priority perspective – which is how one chooses to prioritize their works.
Key Concept #3
You'll find yourself at a disadvantage in business or in your personal life if you don't utilize a model to understand people better. Remember, every person has a different mindset, and if you can differentiate people using a model, it's easy to understand them and see things from their point of view.
Take the DISC model, for instance. It makes conversations uncomplicated and easy to navigate because determining one's distinct communication style based on these four behaviors allows us to know how to approach them better.
Here's an example of the DISC model at work: The D persona tends to be more direct and prefers to communicate firmly. An I persona is more inspiring and would like things to be expressed in a fun manner. The S persona, meanwhile, wants to be more supportive in its day-to-day activities and would like it better to converse in a friendly manner. Lastly, C personas are more cautious about their everyday life and would opt to engage in a more factual way.
Summing It Up
At the end of the day, we need to understand that there's a reason why people act or communicate a certain way. People don't intentionally do things to us; instead, they do things for themselves, and once we recognize that, it's easier to celebrate differences versus tolerating them. So, to better understand the key concepts I mentioned, schedule a call with me if you need help finding that common link.
Found this interesting? You might like these too…
Law Enforcement and the Four Temperament (DISC) Model of Human Behaviour
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Who's Online:
I loved this story, it moved me and also got my kinda hot, great combination.
Very deep, it's what I imagine Sam and Rosie to be like together. I also like how you had written this, very well done, keep up the great work!
Author's Response: Thank you for letting me know you liked this. Yes - I can't believe Sam would not enjoy to the fullest, the life his master gave so much to protect. It was a joy to write and gives me a smile every time someone takes the time to comment. Thank you again.
I love this story. It is very well written and has one of my favorite charactors in it.
very nice, very deep true love.
Author's Response: Thanks for telling me you liked it! I don't write much anymore, but it is nice to get kudos for the things I have done.
I liked it alot and i thought your words were not only provocative but sewn beautifully together so as to make reader feel that this is a beautiful encounter, one that should be praised and smiled upon. Exellent job!
Author's Response: Thank you! I am glad I was able to provide you a little enjoyment - and I am sorry I wasn't a little quicker in my gratitude!
A lot of the concepts here are very good, and rare finds in the stuff I've read. Loved it!
Beautiful. So little literature bothers with the love of a man and wife, and even less the love of Hobbits. You captured Sam and Rosie wonderfully.
Author's Response: Thank you! I know exactly what you mean. Maybe that is why I like writing husbands and wives so much; no one else does it. I'm a married woman myself, with kids, it is the kind of life I know best. Maybe most people think married life is boring, but I don't think anything could be further from the truth. If you enjoy such fics, I have also written a Merry/Estella called 'Starlight at Eventide' that details a troubled time in their marriage and how, with Aragorn and Arwen's help, they overcame it. If you think hobbit romance gets short changed, poor Merry and his lady are even more so! (Tolks didn't even mention their children!) I am pleased you took the time to let me know that you enjoyed this piece.
Heartwarming. Very well written.
Author's Response: I am delighted to give you something you could enjoy! Thank you very much for letting me know you liked it.
Well I enjoyed this very much. I think the quote that best expresses my feelings on this fic came from someone Steve Martin quoted in L.A. Story--"a kiss may not be the truth, but it is what we wish were true."
Your handling of Sam and Rosie's relationship was delightful. I do love the extended metaphor of him as the gardener and she the garden.
I found your imagery and your diction to be quite beautiful, but at times complex to the point of being confusing. Parts of this could stand some streamlining. That's my only real criticism.
Otherwise, it is a little unrealistic, but its unreality was so sweet and charming that I didn't mind it a bit. It made me really wish my fella was here...
Author's Response: I have found that erotic writing is very subjective. What is unrealistic for one is very realistic for another. Of course, not every encounter is 'the perfect one' as described here, but who wants to read about the one where your bodies started making 'fart noises' between them, or the one where the dog goosed you with his cold wet nose right at 'that climatic moment'? ;) When I read erotic fiction, I always keep in mind that this is a highly personal experience and when I write it, understand that the more detail I put into it, the fewer people are going to be able to relate to my particular experience of it. Sadly, it seems the only erotic writing that doesn't get criticized is that which no female could EVER experience, that of the slash writers, because no female could ever possibly have a frame of reference from which to criticize it from. Personally, I prefer taking the critique on real observations than 'playing it safe' by writing something so utterly unrealistic that the majority of those reading it could never confirm or deny what the experience was like. That is just my preference and I respect that it isn't shared by many. It is just my nature to take the path less traveled. :p
I loved it. It was beautiful from start to finish. Your langauge was perfect for the hobbits.
"She was his wholly and cpmpletely, bound, claimed planted and harvested." Lovely sentence. I appreciated her body scarred by motherhood and they both seemed so earthy and real. Their lovemaking was physical amd magical at the same time. A wonderful story.
Author's Response: *grin* Thank you, most profusely! It's one of my favorite stories too and my answer to all those that had the poor fellow discarding Rosie or pining for Frodo all his life. I simply couldn't see the character Tolkien created living the life he was given like that. I am glad you appreciated my take.
Aww. That was the sweetest piece of Sam/Rosie I've ever read. Joy like Swords? I wouldn't have thought of it, but you made it work well. You'll be getting a lot of reviews from me, yes.
Author's Response: If you liked 'Heed' I figured you'd like that one. I'm much more a Frodo person myself and most of my het is Frodo het set after he's served the purposes of destiny and has come to Tol Eressea, though there are a few other pieces set before that. I'll see what I can load up.
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7 Aliexpress Products to make your work wardrobe more fun
Whether you're just starting up the career ladder or you've been doing the daily grind for years now, it can be a struggle to figure out what to wear every morning. Sure, you can always stick with the basics – neutral colors, minimalist designs and cookie cutter, "I have that shirt too" styles, but let's be real. It's way more fun to play around, try different styles and add some color.
But since it can be hard to figure out where that line between professional and too casual is, we've pulled a few, recommended picks to get you started! From the latest styles to the best that online shopping has to offer, we've got your back.
1. Stand tall
Where better to start your wardrobe revamp than with a piece that gives you "presence". Yes, that's right. Its long lines and high-waisted silhouette give the impression that you're taller than you really are. Throw on a pair of heels and you really are towering just a little bit higher than you were the day before. Seems like a great piece to wear when negotiating that raise you deserve. ;-)
2. It's all in the bag
This bag is small, but mighty. Its many compartments, both inside and out, keep on-the-go, "I don't know how she does it" women organized and on top of it all. There's an outside pocket for your office key card or metro pass, as well as another outside pocket for your phone. Worried about pickpockets? No problem. There's another, zipper pocket inside the bag. You won't even need to try to stuff your wallet into this bag, because there are also (you guessed it!) built in pockets for your cash and cards. The bag also has a gorgeous fox on the front flap, and if that doesn't convince you, I don't know what will.
3. One of a kind
It may come as a surprise to longtime, work world veterans to see this piece on this list, but with many offices now relaxing their policies (pajamas are still banned, unfortunately), more than a few of you will get to rock this look. It's one of the latest styles. It's modern and unique, but as every woman knows – back me up ladies – what makes this piece a true winner is that it's perfect as an office-to-evening look.
4. Power walk
Sometimes it's the small things that make the biggest impact. And what is the best way to make an entrance? To add some "wow" to your outfit? With neon yellow stilettos, of course. At over 3-inches tall, these shoes are a stunning, and easy, addition to any wardrobe. For maximum impact, pair with an outfit in a darker color.
5. Pretty in plaid
Soft hues and basic patterns are a great way to add a little something to your daily look, while still making sure that the overall style is not too flashy. This particular piece has lots of small design details that have made it a fan favorite, including: light material that keeps you cool during summer, a not-too-daring v-neck, a figure enhancing waist belt and billowy shorts that make your legs look extra slim.
6. Strike gold
These small earrings are the perfect blend of classic and playful. They work well with any outfit and are a great example of how you can personalize your outfit, even if you work somewhere with a more rigid dress code. As an added bonus, its sterling silver material is coated with several layers of gold that keep the color looking gorgeous, even after you've worn it many, many times.
7. Glitter and ice and everything nice
Looking for another subtle way to spice up your outfit? This nail polish by BORN PRETTY is glitter heaven in a bottle. And what is fashion without a little bit of sparkle every once in a while? With 16 shades to choose from, there's bound to be a color that works well for you. To top it off, they use high-quality ingredients that will give your nails the glossy, long-lasting finish they deserve.
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Theo takes his inspiration from his local environment and the painting Cafe At Night depicts the exterior of a popular and trendy restaurant and bar in Larnaca, the Art Cafe 1900. As with many of Theo's paintings it was the effect of light and shade that attracted him to this cafe style scene.
From time to time Theo's paintings have inspired short stories from his customers, and here is one by Neil Smith that he would like to share with you for his painting Cafe At Night:
Henry's watch ticked, time was getting short. If this didn't happen soon, it would all be over. All that time and it might all be in vain.
He dropped the top of his newspaper just enough to look over, the couple at the next table didn't notice, just continued with their conversation. So far, they had discussed the weather, the wine and the whereabouts of her favourite handkerchief. He listened to them, hoping to hear something, that one thing that would justify his time, but he feared that it was not going to happen.
The waiter brought the couple a second bottle of wine. She laughed — a joke that he missed, maybe? Or just a passing thought? He may never know, but it made him refocus, listening carefully.
The lady took a large gulp of the wine, a deep breath. Could this be it? Could this be the moment? Henry tried not to lean forward but his body betrayed him. He covered it by reaching for his own glass, he needn't have bothered as neither party even noticed him.
She steadied herself, then spoke. "Honey? I need to tell you something."
The man looked at her, suddenly concerned. "What is it? Are you OK?"
"Yes, I'm fine. It's just… Just that…", she tailed off. Took another drink, her hands were shaking. "It's just that I wanted to tell you that I had…"
"What is it? What's going on?", his voice cracked with fear.
She looked him in the eyes. At the next table, Henry leaned forward, all worry of being discovered, gone. The couple concerned only with each other. And then, she spoke. This was what he was waiting for.
"I wanted to tell you that I had some doubts. I even considered leaving but then I realised that you are the one person in my life that I truly love and I know that you are the one I want to spend the rest of my life with." Tears rolled down her face as she said the words aloud.
The man smiled at her, warm and loving, "It's OK, everyone has a wobble just before they get married."
Unseen by both, Henry stood up, pulled a small, white square of fabric from his inside pocket, kissed it gently and walked past the couple as they kissed. He silently dropped the handkerchief in the woman's open bag and walked off into the night.
high quality professional oil colours
Oil painting by Theo Michael
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How To Write A Business Plan (2023 Guide)
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Updated: Aug 20, 2022, 2:21am
Table of Contents
Brainstorm an executive summary, create a company description, brainstorm your business goals, describe your services or products, conduct market research, create financial plans, bottom line, frequently asked questions.
Every business starts with a vision, which is distilled and communicated through a business plan. In addition to your high-level hopes and dreams, a strong business plan outlines short-term and long-term goals, budget and whatever else you might need to get started. In this guide, we'll walk you through how to write a business plan that you can stick to and help guide your operations as you get started.
Drafting the Summary
An executive summary is an extremely important first step in your business. You have to be able to put the basic facts of your business in an elevator pitch-style sentence to grab investors' attention and keep their interest. This should communicate your business's name, what the products or services you're selling are and what marketplace you're entering.
Ask for Help
When drafting the executive summary, you should have a few different options. Enlist a few thought partners to review your executive summary possibilities to determine which one is best.
After you have the executive summary in place, you can work on the company description, which contains more specific information. In the description, you'll need to include your business's registered name , your business address and any key employees involved in the business.
The business description should also include the structure of your business, such as sole proprietorship , limited liability company (LLC) , partnership or corporation. This is the time to specify how much of an ownership stake everyone has in the company. Finally, include a section that outlines the history of the company and how it has evolved over time.
Wherever you are on the business journey, you return to your goals and assess where you are in meeting your in-progress targets and setting new goals to work toward.
Numbers-based Goals
Goals can cover a variety of sections of your business. Financial and profit goals are a given for when you're establishing your business, but there are other goals to take into account as well with regard to brand awareness and growth. For example, you might want to hit a certain number of followers across social channels or raise your engagement rates.
Another goal could be to attract new investors or find grants if you're a nonprofit business. If you're looking to grow, you'll want to set revenue targets to make that happen as well.
Intangible Goals
Goals unrelated to traceable numbers are important as well. These can include seeing your business's advertisement reach the general public or receiving a terrific client review. These goals are important for the direction you take your business and the direction you want it to go in the future.
The business plan should have a section that explains the services or products that you're offering. This is the part where you can also describe how they fit in the current market or are providing something necessary or entirely new. If you have any patents or trademarks, this is where you can include those too.
If you have any visual aids, they should be included here as well. This would also be a good place to include pricing strategy and explain your materials.
This is the part of the business plan where you can explain your expertise and different approach in greater depth. Show how what you're offering is vital to the market and fills an important gap.
You can also situate your business in your industry and compare it to other ones and how you have a competitive advantage in the marketplace.
Other than financial goals, you want to have a budget and set your planned weekly, monthly and annual spending. There are several different costs to consider, such as operational costs.
Business Operations Costs
Rent for your business is the first big cost to factor into your budget. If your business is remote, the cost that replaces rent will be the software that maintains your virtual operations.
Marketing and sales costs should be next on your list. Devoting money to making sure people know about your business is as important as making sure it functions.
Other Costs
Although you can't anticipate disasters, there are likely to be unanticipated costs that come up at some point in your business's existence. It's important to factor these possible costs into your financial plans so you're not caught totally unaware.
Business plans are important for businesses of all sizes so that you can define where your business is and where you want it to go. Growing your business requires a vision, and giving yourself a roadmap in the form of a business plan will set you up for success.
How do I write a simple business plan?
When you're working on a business plan, make sure you have as much information as possible so that you can simplify it to the most relevant information. A simple business plan still needs all of the parts included in this article, but you can be very clear and direct.
What are some common mistakes in a business plan?
The most common mistakes in a business plan are common writing issues like grammar errors or misspellings. It's important to be clear in your sentence structure and proofread your business plan before sending it to any investors or partners.
What basic items should be included in a business plan?
When writing out a business plan, you want to make sure that you cover everything related to your concept for the business, an analysis of the industry―including potential customers and an overview of the market for your goods or services―how you plan to execute your vision for the business, how you plan to grow the business if it becomes successful and all financial data around the business, including current cash on hand, potential investors and budget plans for the next few years.
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What is churn rate & how do you calculate it, what is customer lifetime value (clv), gender pay gap statistics in 2023, u.s digital tipping culture in 2023, best receipt scanner apps (2023).
Julia is a writer in New York and started covering tech and business during the pandemic. She also covers books and the publishing industry.
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How to Write a Business Plan, Step by Step
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1. Write an executive summary
2. describe your company, 3. state your business goals, 4. describe your products and services, 5. do your market research, 6. outline your marketing and sales plan, 7. perform a business financial analysis, 8. make financial projections, 9. add additional information to an appendix, business plan tips and resources.
A business plan is a document that outlines your business's financial goals and explains how you'll achieve them. A strong, detailed plan will provide a road map for the business's next three to five years, and you can share it with potential investors, lenders or other important partners.
Here's a step-by-step guide to writing your business plan.
» Need help writing? Learn about the best business plan software .
This is the first page of your business plan. Think of it as your elevator pitch. It should include a mission statement, a brief description of the products or services offered, and a broad summary of your financial growth plans.
Though the executive summary is the first thing your investors will read, it can be easier to write it last. That way, you can highlight information you've identified while writing other sections that go into more detail.
» MORE: How to write an executive summary in 6 steps
Next up is your company description, which should contain information like:
Your business's registered name.
Address of your business location .
Names of key people in the business. Make sure to highlight unique skills or technical expertise among members of your team.
Your company description should also define your business structure — such as a sole proprietorship, partnership or corporation — and include the percent ownership that each owner has and the extent of each owner's involvement in the company.
Lastly, it should cover the history of your company and the nature of your business now. This prepares the reader to learn about your goals in the next section.
» MORE: How to write a company overview for a business plan
The third part of a business plan is an objective statement. This section spells out exactly what you'd like to accomplish, both in the near term and over the long term.
If you're looking for a business loan or outside investment, you can use this section to explain why you have a clear need for the funds, how the financing will help your business grow, and how you plan to achieve your growth targets. The key is to provide a clear explanation of the opportunity presented and how the loan or investment will grow your company.
For example, if your business is launching a second product line, you might explain how the loan will help your company launch the new product and how much you think sales will increase over the next three years as a result.
In this section, go into detail about the products or services you offer or plan to offer.
You should include the following:
An explanation of how your product or service works.
The pricing model for your product or service.
The typical customers you serve.
Your supply chain and order fulfillment strategy.
Your sales strategy.
Your distribution strategy.
You can also discuss current or pending trademarks and patents associated with your product or service.
Lenders and investors will want to know what sets your product apart from your competition. In your market analysis section , explain who your competitors are. Discuss what they do well, and point out what you can do better. If you're serving a different or underserved market, explain that.
Here, you can address how you plan to persuade customers to buy your products or services, or how you will develop customer loyalty that will lead to repeat business.
» MORE: R e a d our complete guide to small business marketing
If you're a startup, you may not have much information on your business financials yet. However, if you're an existing business, you'll want to include income or profit-and-loss statements, a balance sheet that lists your assets and debts, and a cash flow statement that shows how cash comes into and goes out of the company.
You may also include metrics such as:
Net profit margin: the percentage of revenue you keep as net income.
Current ratio: the measurement of your liquidity and ability to repay debts.
Accounts receivable turnover ratio: a measurement of how frequently you collect on receivables per year.
This is a great place to include charts and graphs that make it easy for those reading your plan to understand the financial health of your business.
» NerdWallet's picks for setting up your business finances:
The best business checking accounts .
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The best accounting software .
This is a critical part of your business plan if you're seeking financing or investors. It outlines how your business will generate enough profit to repay the loan or how you will earn a decent return for investors.
Here, you'll provide your business's monthly or quarterly sales, expenses and profit estimates over at least a three-year period — with the future numbers assuming you've obtained a new loan.
Accuracy is key, so carefully analyze your past financial statements before giving projections. Your goals may be aggressive, but they should also be realistic.
List any supporting information or additional materials that you couldn't fit in elsewhere, such as resumes of key employees, licenses, equipment leases, permits, patents, receipts, bank statements, contracts and personal and business credit history. If the appendix is long, you may want to consider adding a table of contents at the beginning of this section.
Here are some tips to help your business plan stand out:
Avoid over-optimism: If you're applying for a business loan at a local bank, the loan officer likely knows your market pretty well. Providing unreasonable sales estimates can hurt your chances of loan approval.
Proofread: Spelling, punctuation and grammatical errors can jump off the page and turn off lenders and prospective investors, taking their mind off your business and putting it on the mistakes you made. If writing and editing aren't your strong suit, you may want to hire a professional business plan writer, copy editor or proofreader.
Use free resources: SCORE is a nonprofit association that offers a large network of volunteer business mentors and experts who can help you write or edit your business plan. You can search for a mentor or find a local SCORE chapter for more guidance.
The U.S. Small Business Administration's Small Business Development Centers , which provide free business consulting and help with business plan development, can also be a resource.
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What Is a Business Plan?
Understanding business plans, how to write a business plan, elements of a business plan, special considerations.
- Business Plan FAQs
- Investopedia
Business Plan: What It Is, What's Included, and How To Write One
Adam Hayes, Ph.D., CFA, is a financial writer with 15+ years Wall Street experience as a derivatives trader. Besides his extensive derivative trading expertise, Adam is an expert in economics and behavioral finance. Adam received his master's in economics from The New School for Social Research and his Ph.D. from the University of Wisconsin-Madison in sociology. He is a CFA charterholder as well as holding FINRA Series 7, 55 & 63 licenses. He currently researches and teaches economic sociology and the social studies of finance at the Hebrew University in Jerusalem.
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A business plan is a document that defines in detail a company's objectives and how it plans to achieve its goals. A business plan lays out a written road map for the firm from marketing , financial, and operational standpoints. Both startups and established companies use business plans.
A business plan is an important document aimed at a company's external and internal audiences. For instance, a business plan is used to attract investment before a company has established a proven track record. It can also help to secure lending from financial institutions.
Furthermore, a business plan can serve to keep a company's executive team on the same page about strategic action items and on target for meeting established goals.
Although they're especially useful for new businesses, every company should have a business plan. Ideally, the plan is reviewed and updated periodically to reflect goals that have been met or have changed. Sometimes, a new business plan is created for an established business that has decided to move in a new direction.
Key Takeaways
- A business plan is a document describing a company's core business activities and how it plans to achieve its goals.
- Startup companies use business plans to get off the ground and attract outside investors.
- A business plan can also be used as an internal guide to keep an executive team focused on and working toward short- and long-term objectives.
- Businesses may create a lengthier traditional business plan or a shorter lean startup business plan.
- Good business plans should include an executive summary and sections on products and services, marketing strategy and analysis, financial planning, and a budget.
Want Funding? You Need a Business Plan
A business plan is a fundamental document that any new business should have in place prior to beginning operations. Indeed, banks and venture capital firms often require a viable business plan before considering whether they'll provide capital to new businesses.
Operating without a business plan usually is not a good idea. In fact, very few companies are able to last very long without one. There are benefits to creating (and sticking to) a good business plan. These include being able to think through ideas before investing too much money in them and working through potential obstacles to success.
A good business plan should outline all the projected costs and possible pitfalls of each decision a company makes. Business plans, even among competitors in the same industry, are rarely identical. However, they can have the same basic elements, such as an executive summary of the business and detailed descriptions of its operations, products and services, and financial projections. A plan also states how the business intends to achieve its goals.
While it's a good idea to give as much detail as possible, it's also important that a plan be concise to keep a reader's attention to the end.
A well-considered and well-written business plan can be of enormous value to a company. While there are templates that you can use to write a business plan, try to avoid producing a generic result. The plan should include an overview and, if possible, details of the industry of which the business will be a part. It should explain how the business will distinguish itself from its competitors.
Start with the essential structure: an executive summary, company description, market analysis, product or service description, marketing strategy, financial projections, and appendix (which include documents and data that support the main sections). These sections or elements of a business plan are outlined below.
When you write your business plan, you don't have to strictly follow a particular business plan outline or template. Use only those sections that make the most sense for your particular business and its needs.
Traditional business plans use some combination of the sections below. Your plan might also include any funding requests you're making. Regardless, try to keep the main body of your plan to around 15-25 pages.
The length of a business plan varies greatly from business to business. Consider fitting the basic information into a 15- to 25-page document. Then, other crucial elements that take up a lot of space—such as applications for patents—can be referenced in the main document and included as appendices.
As mentioned above, no two business plans are the same. Nonetheless, they tend to have the same elements. Below are some of the common and key parts of a business plan.
- Executive summary: This section outlines the company and includes the mission statement along with any information about the company's leadership, employees, operations, and location.
- Products and services: Here, the company can outline the products and services it will offer, and may also include pricing, product lifespan, and benefits to the consumer. Other factors that may go into this section include production and manufacturing processes, any patents the company may have, as well as proprietary technology . Information about research and development (R&D) can also be included here.
- Market analysis: A firm needs a good handle on its industry as well as its target market. This section of the plan will detail a company's competition and how the company fits in the industry, along with its relative strengths and weaknesses. It will also describe the expected consumer demand for a company's products or services and how easy or difficult it may be to grab market share from incumbents.
- Marketing strategy: This section describes how the company will attract and keep its customer base and how it intends to reach the consumer. A clear distribution channel must be outlined. The section also spells out advertising and marketing campaign plans and the types of media those campaigns will use.
- Financial planning: This section should include a company's financial planning and projections. Financial statements, balance sheets, and other financial information may be included for established businesses. New businesses will include targets and estimates for the first few years plus a description of potential investors.
- Budget: Every company needs to have a budget in place. This section should include costs related to staffing, development, manufacturing, marketing, and any other expenses related to the business.
Unique Business Plans Help
The best business plans aren't generic ones created from easily accessed templates. A company should entice readers with a plan that demonstrates its singularity and potential for success.
Types of Business Plans
Business plans help companies identify their objectives and remain on track to meet goals. They can help companies start, manage themselves, and grow once up and running. They also act as a means to attract lenders and investors.
Although there is no right or wrong business plan, they can fall into two different categories—traditional or lean startup. According to the Small Business Administration (SBA) , the traditional business plan is the most common. It contains a lot of detail in each section. These tend to be longer than the lean startup plan and require more work.
Lean startup business plans, on the other hand, use an abbreviated structure that highlights key elements. These business plans aren't as common in the business world because they're short—as short as one page—and lack detail. If a company uses this kind of plan, it should be prepared to provide more detail if an investor or lender requests it.
Financial Projections
A complete business plan must include a set of financial projections for the business. These forward-looking financial statements are often called pro-forma financial statements or simply the " pro-formas ." They include an overall budget, current and projected financing needs, a market analysis, and the company's marketing strategy.
Other Considerations for a Business Plan
A major reason for a business plan is to give owners a clear picture of objectives, goals, resources, potential costs, and drawbacks of certain business decisions. A business plan should help them modify their structures before implementing their ideas. It also allows owners to project the type of financing required to get their businesses up and running.
If there are any especially interesting aspects of the business, they should be highlighted and used to attract financing, if needed. For example, Tesla Motors' electric car business essentially began only as a business plan.
Importantly, a business plan shouldn't be a static document. As a business grows and changes, so too should the business plan. An annual review of the company and its plan allows an entrepreneur or group of owners to update the plan, based on successes, setbacks, and other new information. It provides an opportunity to size up the plan's ability to help the company grow.
Think of the business plan as a living document that evolves with your business.
A business plan is a document created by a company that describes the company's goals, operations, industry standing, marketing objectives, and financial projections. The information it contains can be a helpful guide in running the company. What's more, it can be a valuable tool to attract investors and obtain financing from financial institutions.
Why Do Business Plans Fail?
Even if you have a good business plan, your company can still fail, especially if you do not stick to the plan! Having strong leadership with focus on the plan is always a good strategy. Even when following the plan, if you had poor assumptions going into your projections, you can be caught with cash flow shortages and out of control budgets. Markets and the economy can also change. Without flexibility built in to your business plan, you may be unable to pivot to a new course as needed.
What Does a Lean Startup Business Plan Include?
The lean startup business plan is an option when a company prefers a quick explanation of its business. The company may feel that it doesn't have a lot of information to provide since it's just getting started.
Sections can include: a value proposition, a company's major activities and advantages, resources such as staff, intellectual property, and capital, a list of partnerships, customer segments, and revenue sources.
Small Business Administration. " Write Your Business Plan ."
- Business Basics Guide 1 of 46
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How to write a business plan in 7 steps
With this step-by-step guide, learn how to write a well-written professional business plan that can help you successfully start your business, apply for funding, and grow.
Writing a business plan doesn't have to be complicated. You don't need to have a business or accounting degree to put together a viable business plan. Business planning can be simple—even fun!
This guide will show you how to get your plan done without any complexity or frustration. By the time you're done, you'll be better prepared to start, run, and grow your business. Here are the 7 steps to write a business plan:
- Executive summary
- Products & services
- Market analysis
- Marketing & sales
- Company organization and management team
- Financial projections
Be sure to download our free business plan template to start writing your own business plan as you work through this guide. For a more detailed guide to writing a business plan, download our free ebook : The Easy Way to Write Your Business Plan.
What is a business plan?
A business plan is a document that describes your business, the products and services you sell, and the customers that you sell to. It explains your business strategy. How you're going to build and grow your business, what your marketing strategy is, and who your competitors are.
Most business plans also include financial forecasts for the future. Setting sales goals, expense budgets, and predictions for cash flow.
Now, a business plan can be far more than just a static document that you write once and forget about. It's also a guide that helps you outline and achieve your goals. A management tool to analyze results, make strategic decisions, and showcase how your business will operate and grow. In short, if you're thinking of starting a business or plan to pitch to investors or venture capitalists, writing a business plan can improve your chances of success.
Why do you need a business plan?
You likely already have a good idea of your business strategy in your head. So you may be wondering, "Why should I spend my time making a business plan?" Here are the top reasons why you should invest in planning:
Businesses that plan grow 30% faster.
A surprising amount of research has been done on business planning and has shown that companies that take the time to write a plan and review it regularly grow 30% faster than those businesses that don't plan. Not only do these companies grow faster, but they perform better and are less likely to fail in the long run.
Lenders and investors need business plans
If you're growing your business and plan on getting a business loan or raising money from investors, you'll need a business plan. Most lenders and investors will ask for a plan, but even if they don't want to see the actual document, they will ask you questions that only a solid business plan will be able to answer.
Business plans reduce risk
Starting and running a business is always risky. Instead of flying by the seat of your pants, you can use a plan to forecast potential cash flow issues and get ahead of any potential roadblocks so you aren't caught off guard. A business plan will help you reduce your risk and help you navigate the future.
Business planning helps you make smart spending decisions
Before you make a big spending decision for your business, you need to know the potential impacts on your finances. With a business plan in place, you can easily explore different scenarios and see what impacts a new hire or an expansion to a second location will have on your business.
Need more reasons for why you need a business plan? Read our full list of reasons why having a business plan is important for small businesses .
How to write a business plan step-by-step
Whether you're building a business plan to raise money and grow your business or just need to figure out if your idea will work, every business plan needs to cover 6 essential sections. Here's an overview of each section:
1. Executive summary
The executive summary is an overview of your business and your plans. It comes first in your plan and is ideally only one to two pages. Most people write it last, though.
Ideally, the executive summary can act as a stand-alone document that covers the highlights of your detailed plan. In fact, it's very common for investors to ask for only the executive summary when they are evaluating your business. If they like what they see in the executive summary, they'll often follow up with a request for a complete plan, a pitch presentation, and more in-depth financials.
Your executive summary should include a summary of the problem you are solving, a description of your product or service, an overview of your target market, a brief description of your team, a summary of your financials, and your funding requirements (if you are raising money).
Learn more about writing an effective executive summary .
2. Products & services
The products & services chapter of your business plan is where the real meat of your plan lives. It includes information about the problem that you're solving, your solution, and how your product or service fits into the existing competitive landscape.
Start the products & services chapter by describing the problem that you are solving for your customers and what your solution is. This is a description of your product or service.
Next, you should outline your competition . Who else is providing solutions that try to solve your customers' pain points? What are your competitive advantages over other businesses?
If you happen to have any competitive advantages, such as specific intellectual property or patents that protect your product—this chapter is a great place to talk about those things.
Finally, review your milestones and metrics. This is an overview of the next steps that you need to accomplish to get your product or service ready to sell, with target dates. If you've already achieved some key milestones, such as landing a crucial customer or taking on pre-orders, discuss that here.
3. Market analysis
This section is where you will showcase all of the information about your potential customers. You'll cover your target market as well as information about the growth of your market and your industry.
First, describe your target market . Your target market is the group of people that you plan on selling to. Try to be as specific as possible. With a solid target market, it will be easier to create a sales and marketing plan that will reach your customers.
Next, provide any market analysis and market research that you have. You'll want to explain how your market is growing over time and also explain how your business is positioned to take advantage of expected changes in your industry.
4. Marketing & sales
The marketing and sales plan section of your business plan details how you plan to reach your target market segments, how you plan on selling to those target markets, what your pricing plan is, and what types of activities and partnerships you need to make your business a success.
Some businesses that distribute their products and reach their customers through stores like Amazon.com, Walmart, Target, grocery store chains, and other retail outlets should review how this part of their business works. The plan should discuss the logistics and costs of getting products onto store shelves and any potential hurdles that the business may have to overcome.
The marketing & sales chapter of your business plan can also be a good place to include a SWOT analysis . This is purely optional but can be a good way to explain how your products and services are positioned to deal with competitive threats and take advantage of opportunities.
5. Company organization and management team
Investors look for great teams in addition to great ideas. Use this chapter to describe your current team and who you need to hire. You will also provide a quick overview of your legal structure, location, and history if you're already up and running.
Include brief bios that highlight the relevant experiences of each key team member. It's important here to make the case for why the team is the right team to turn an idea into a reality. Do they have the right industry experience and background? Have members of the team had entrepreneurial successes before?
Your company overview should also include a summary of your company's current business structure. The most common business structures include:
- Sole proprietor
- Partnership
Be sure to provide a review of how the business is owned as well. Does each business partner own an equal portion of the business? How is ownership divided? Potential lenders and investors will want to know the structure of the business before they will consider a loan or investment.
6. Financial projections
Last, but certainly not least, is your financial plan chapter. This is often what entrepreneurs find most daunting, but it doesn't have to be as intimidating as it seems. Business financials for most startups are less complicated than you think, and a business degree is certainly not required to build a solid financial forecast. That said, if you need additional help, there are plenty of tools and resources out there to help you build a solid financial plan.
A typical financial plan will include:
Sales and revenue projections
A monthly sales and revenue forecast for the first 12 months, and then annual projections for the remaining three to five years. Three-year projections are typically adequate, but some investors will request a five-year forecast.
Profit and loss statement
An income statement , also known as the profit and loss (or P&L), is where your numbers all come together and show if you're making a profit or taking a loss.
Cash flow statement
A cash flow statement . While the income statement calculates your profits and losses, the cash flow statement keeps track of how much cash (money in the bank) you have at any given point.
Balance sheet
A balance sheet lists the assets, liabilities, and equity in your company. In short, it provides an overview of the financial health of your business.
Optional sections to include when seeking funding
If you are raising money from investors, you should include a brief section of your business plan that details exactly how you plan on using your investors' cash. This is typically just called, "Use of Funds."
Investors will also want to see a short section on your exit strategy. An exit strategy is your plan for eventually selling your business, either to another company or to the public in an IPO. If you have investors, they will want to know your thoughts on this. If you're running a business that you plan to maintain ownership of indefinitely, and you're not seeking angel investment or VC funding, you can skip the exit strategy section.
For more information, read our guide on the different types of exit strategies .
Finally, discuss any assumptions and important risks for your business. Knowing what your assumptions are as you start a business can make the difference between business success and business failure. When you recognize your assumptions, you can set out to prove that your assumptions are correct. The more that you can minimize your assumptions, the more likely it is that your business will succeed.
7. Appendix
An appendix to your business plan isn't a required chapter by any means. However, it is a useful place to stick any charts, tables, definitions, legal notes, or other critical information that either felt too long or too out-of-place to include elsewhere in your business plan. If you have a patent or a patent-pending, or illustrations of your product, this is where you'd want to include the details. For more details, read about what to include in your business plan appendix .
Business plan writing tips
To help streamline the business plan writing process here are a few tips and key questions to answer to make sure you get the most out of your plan and avoid common mistakes .
Determine why you are writing a business plan
Knowing why you are writing a business plan will determine your approach to your planning project. For example, if you are writing a business plan for yourself or just for use inside your own business, you can probably skip the section about your team and organizational structure.
If you're raising money, you'll want to spend more time explaining why you're looking to raise the money you want and exactly how you're going to use those funds. So, before you start writing your plan, think about why you are writing a business plan and what you're trying to get out of the process.
Keep things concise
Probably the most important tip is to keep your business plan short and simple . There are no prizes for long business plans. In fact, the longer your plan, the less likely it is to be read.
So, focus on trimming things down to the essentials that your readers need to know. Skip the extended descriptions of your target market and instead focus on creating a plan that is easy to read.
Have someone review your business plan
Writing a business plan in a vacuum is never a good idea. It's helpful to zoom out from time to time and make sure that your plan is logical and makes sense. You also want to make sure that it's easy to read and understand. Don't wait until your plan is "done" to get a second look, though.
Start sharing your plan early and find out from your reader what questions the plan leaves unanswered. This early review cycle will help keep you on track. If you need a more detailed review, you may want to explore hiring a professional plan writer to give it a thorough examination.
Use a free business plan template to get started
Knowing what information you need to cover in a business plan sometimes isn't quite enough. If you're struggling to get started or need additional guidance, it may be worth using a business plan template. If you're looking for a free downloadable business plan template to get you started, download the template that's been used by more than 1 million businesses.
Or, if you just want to see what a completed business plan looks like, check out our library of over 500 free sample business plans .
How do I write a simple business plan?
If you're not ready to work on a detailed business plan and want to start with something shorter and simpler, we recommend starting with a simple one-page business plan . You'll be able to put together an initial plan in less than 30 minutes. For many businesses, this is a great way to get started. And, if you're not raising money from investors, this may be all the plan you need.
Next steps for writing your business plan
Whether you're writing a plan to explore a new business idea, establishing steps to start a business, looking to raise money from investors, seeking a loan, or just trying to run your business better—a solid business plan will help get you there.
Business planning is a continuous process that can help you validate your idea, set goals, manage, and successfully pitch your business. One of the most helpful things you can do to build a successful business is to jump in and start planning. If you're looking for a more comprehensive step-by-step walkthrough for writing a business plan, check out our Business Planning Guide .
If you need more than a template, we recommend exploring business planning software, such as LivePlan. It features step-by-step guidance that ensures you include only what you need in your plan and reduces the time you spend on formatting and presenting.
You'll also get help building solid financial models that you can trust, without having to worry about getting everything right in a spreadsheet. Finally, it will transform your plan into a management tool that will help you easily compare your forecasts to your actual results. This makes it easy to track your progress and make adjustments as you go.
Business plan FAQ
A business plan helps you understand where you want to go with your business and what it will take to get there. It reduces your overall risk, helps you uncover your business's potential, attracts investor, and identify areas for growth. Having a business plan ultimately makes you more confident as a business owner and more likely to succeed for a longer period of time.
The seven steps to writing a business plan include: 1. Write a brief executive summary. 2. Describe your products and services. 3. Conduct market research and compile data into a cohesive market analysis. 4. Describe your marketing and sales strategy. 5. Outline your organizational structure and management team. 6. Develop financial projections for sales, revenue, and cash flow. 7. Add any additional documents to your appendix.
There are plenty of mistakes that can be made when writing a business plan. However, these are the 5 most common that you should do your best to avoid: 1. Not taking the planning process seriously. 2. Having unrealistic financial projections or incomplete financial information. 3. Inconsistent information or simple mistakes. 4. Failing to establish a sound business model. 5. Not having a defined purpose for your business plan.
Writing a business plan is all about asking yourself questions about your business and being able to answer them through the planning process. You'll likely be asking dozens and dozens of questions for each section of your plan. However, these are the key questions you should ask and answer with your business plan: – How will your business make money? – Is there a need for your product or service? – Who are your customers? – How are you different from the competition? – How will you reach your customers? – How will you measure success?
The length of your business plan fully depends on what you intend to do with it. From the SBA and traditional lender point of view, a business plan needs to be whatever length necessary to fully explain your business. This means that you prove the viability of your business, show that you understand the market, and have a detailed strategy in place. If you intend to use your business plan for internal management purposes, you don't necessarily need a full 25-50 page business plan. Instead, you can start with a one-page plan or a 3-10 page Lean Plan to get all of the necessary information in place.
While all business plans cover similar categories, the style and function fully depend on how you intend to use your plan. Here are a few common business plan types worth considering. Traditional business plan: The tried-and-true traditional business plan is a formal document meant to be used when applying for funding or pitching to investors. This type of business plan follows the outline above and can be anywhere from 10-50 pages depending on the amount of detail included, the complexity of your business, and what you include in your appendix. Business model canvas: The business model canvas is a one-page template designed to demystify the business planning process. It removes the need for a traditional, copy-heavy business plan, in favor of a single-page outline that can help you and outside parties better explore your business idea. One-page business plan: This format is a simplified version of the traditional plan that focuses on the core aspects of your business. You'll typically stick with bullet points and single sentences. It's most useful for those exploring ideas, needing to validate their business model, or who need an internal plan to help them run and manage their business. Lean Plan: The Lean Plan is less of a specific document type and more of a methodology. It takes the simplicity and styling of the one-page business plan and turns it into a process for you to continuously plan, test, review, refine, and take action based on performance. It's faster, keeps your plan concise, and ensures that your plan is always up-to-date.
A business plan covers the "who" and "what" of your business. It explains what your business is doing right now and how it functions. The strategic plan explores long-term goals and explains "how" the business will get there. It encourages you to look more intently toward the future and how you will achieve your vision. However, when approached correctly, your business plan can actually function as a strategic plan as well. If kept lean, you can define your business, outline strategic steps, and track ongoing operations all with a single plan.
The core elements of business planning are the same for nonprofit organizations and for-profit businesses. The main difference between the two is that nonprofits are primarily driven by a specific mission or purpose. While a for-profit organization is typically driven by growth and improved performance. Additionally, nonprofit organizations will need to intently focus on their promotional, partnership, and fundraising strategies. While some of this is present in for-profit businesses, the need to thoroughly outline how and who you will continue to receive funding is far more important as a nonprofit.
Noah Parsons
Noah is currently the COO at Palo Alto Software, makers of the online business plan app LivePlan. You can follow Noah on Twitter .
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How To Write the Perfect Business Plan in 9 Steps (2023)
- by Desirae Odjick
- Dec 3, 2022
- 25 minute read
A great business plan can help you clarify your strategy, identify potential roadblocks, decide what you'll need in the way of resources, and evaluate the viability of your idea or your growth plans before you start a business .
Not every successful business launches with a formal business plan, but many founders find value in taking time to step back, research their idea and the market they're looking to enter, and understand the scope and the strategy behind their tactics. That's where writing a business plan comes in.
Table of Contents
What is a business plan?
Why write a business plan, business plan formats, how to write a business plan in 9 steps, tips for creating a small business plan, common mistakes when writing a business plan, prepare your business plan today, business plan faq.
A business plan is a document describing a business, its products or services, how it earns (or will earn) money, its leadership and staffing, its financing, its operations model, and many other details essential to its success.
We had a marketing background but not much experience in the other functions needed to run a fashion ecommerce business, like operations, finance, production, and tech. Laying out a business plan helped us identify the "unknowns" and made it easier to spot the gaps where we'd need help or, at the very least, to skill up ourselves. Jordan Barnett, Kapow Meggings
Investors rely on business plans to evaluate the feasibility of a business before funding it, which is why business plans are commonly associated with getting a loan. But there are several compelling reasons to consider writing a business plan, even if you don't need funding.
- Strategic planning: Writing out your plan is an invaluable exercise for clarifying your ideas and can help you understand the scope of your business, as well as the amount of time, money, and resources you'll need to get started.
- Evaluating ideas: If you've got multiple ideas in mind, a rough business plan for each can help you focus your time and energy on the ones with the highest chance of success.
- Research: To write a business plan, you'll need to research your ideal customer and your competitors—information that will help you make more strategic decisions.
- Recruiting: Your business plan is one of the easiest ways to communicate your vision to potential new hires and can help build their confidence in the venture, especially if you're in the early stages of growth.
- Partnerships: If you plan to approach other companies to collaborate, having a clear overview of your vision, your audience, and your business strategy will make it much easier for them to identify whether your business is a good fit for theirs—especially if they're further along than you in their growth trajectory.
- Competitions: There are many business plan competitions offering prizes such as mentorships, grants, or investment capital. To find relevant competitions in your industry and area, try Googling "business plan competition + [your location]" and "business plan competition + [your industry]."
If you're looking for a structured way to lay out your thoughts and ideas, and to share those ideas with people who can have a big impact on your success, a business plan is an excellent starting point.
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Business plans can span from one page to multiple pages with detailed graphs and reports. There's no one way to create a business plan. The goal is to convey the most important information about your company for readers.
Common types of business plans we see include, but are not limited to, the following:
- Traditional. These are the most common business plans. Below, we'll cover the standard elements of a business plan and go into detail for each section. Traditional business plans take longer to write and can be dozens of pages long. Venture capitalist firms and lenders ask for this plan.
- Lean. A lean business plan is a shorter version of a traditional business plan. It follows the same format, but only includes the most important information. Businesses use this plan to onboard new hires or modify existing plans for a specific target market.
- Nonprofit. A nonprofit business plan is for any entity that operates for public or social benefit. It covers everything you'll find in a traditional business plan, plus a section describing the impact the company plans to make. For example, a speaker and headphone brand that aims to help people with hearing disabilities. Donors often request this plan.
Check out real-world examples of different business plans by reading The Road to Success: Business Plan Examples to Inspire Your Own .
- Draft an executive summary
- Describe your company
- Perform a market analysis
- Outline the management and organization
- List your products and services
- Perform customer segmentation
- Define a marketing plan
- Provide a logistics and operations plan
- Make a financial plan
Few things are more intimidating than a blank page. Starting your business plan with a structured outline and key elements for what you'll include in each section is the best first step you can take.
Since an outline is such an important step in the process of writing a business plan, we've put together a high-level overview you can copy into your blank document to get you started (and avoid the terror of facing a blank page). You can also start with a free business plan template and use it to inform the structure of your plan.
Once you've got your business plan outline in place, it's time to fill it in. We've broken it down by section to help you build your plan step by step.
1. Draft an executive summary
A good executive summary is one of the most crucial sections of your plan—it's also the last section you should write.
The executive summary's purpose is to distill everything that follows and give time-crunched reviewers (e.g., potential investors and lenders) a high-level overview of your business that persuades them to read further.
Again, it's a summary, so highlight the key points you've uncovered while writing your plan. If you're writing for your own planning purposes, you can skip the summary altogether—although you might want to give it a try anyway, just for practice.
An executive summary shouldn't exceed one page. Admittedly, that space constraint can make squeezing in all of the salient information a bit stressful—but it's not impossible. Here's what your business plan's executive summary should include:
- Business concept. What does your business do?
- Business goals and vision. What does your business want to do?
- Product description and differentiation. What do you sell, and why is it different?
- Target market. Who do you sell to?
- Marketing strategy. How do you plan on reaching your customers?
- Current financial state. What do you currently earn in revenue?
- Projected financial state. What do you foresee earning in revenue?
- The ask. How much money are you asking for?
- The team. strong> Who's involved in the business?
2. Describe your company
This section of your business plan should answer two fundamental questions: who are you, and what do you plan to do? Answering these questions with a company description provides an introduction to why you're in business, why you're different, what you have going for you, and why you're a good investment bet. For example, clean makeup brand Saie shares a letter from its founder on the company's mission and why it exists.
Clarifying these details is still a useful exercise, even if you're the only person who's going to see them. It's an opportunity to put to paper some of the more intangible facets of your business, like your principles, ideals, and cultural philosophies.
Here are some of the components you should include in your company description:
- Your business structure (Are you a sole proprietorship, general partnership, limited partnership, or incorporated company?)
- Your business model
- Your industry
- Your business's vision, mission, and value proposition
- Background information on your business or its history
- Business objectives, both short and long term
- Your team, including key personnel and their salaries
Some of these points are statements of fact, but others will require a bit more thought to define, especially when it comes to your business's vision, mission, and values. This is where you start getting to the core of why your business exists, what you hope to accomplish, and what you stand for.
This is where you start getting to the core of why your business exists, what you hope to accomplish, and what you stand for.
To define your values, think about all the people your company is accountable to, including owners, employees, suppliers, customers, and investors. Now consider how you'd like to conduct business with each of them. As you make a list, your core values should start to emerge.
Once you know your values, you can write a mission statement . Your statement should explain, in a convincing manner, why your business exists, and should be no longer than a single sentence.
As an example, Shopify's mission statement is "Making commerce better for everyone." It's the "why" behind everything we do and clear enough that it needs no further explanation.
What impact do you envision your business having on the world once you've achieved your vision?
Next, craft your vision statement: what impact do you envision your business having on the world once you've achieved your vision? Phrase this impact as an assertion—begin the statement with "We will" and you'll be off to a great start. Your vision statement, unlike your mission statement, can be longer than a single sentence, but try to keep it to three at most. The best vision statements are concise.
Finally, your company description should include both short- and long-term goals. Short-term goals, generally, should be achievable within the next year, while one to five years is a good window for long-term goals. Make sure all your goals are SMART: specific, measurable, attainable, realistic, and time-bound.
3. Perform a market analysis
No matter what type of business you start, it's no exaggeration to say your market can make or break it. Choose the right market for your products—one with plenty of customers who understand and need your product—and you'll have a head start on success. If you choose the wrong market, or the right market at the wrong time, you may find yourself struggling for each sale.
Market analysis is a key section of your business plan, whether or not you ever intend for anyone else to read it.
This is why market research and analysis is a key section of your business plan, whether or not you ever intend for anyone else to read it. It should include an overview of how big you estimate the market is for your products, an analysis of your business's position in the market, and an overview of the competitive landscape. Thorough research supporting your conclusions is important both to persuade investors and to validate your own assumptions as you work through your plan.
How big is your potential market?
The potential market is an estimate of how many people need your product. While it's exciting to imagine sky-high sales figures, you'll want to use as much relevant independent data as possible to validate your estimated potential market.
Since this can be a daunting process, here are some general tips to help you begin your research:
- Understand your ideal customer profile . If you're targeting millennial consumers in the US, you first can look for government data about the size of that group. You also could look at projected changes to the number of people in your target age range over the next few years.
- Research relevant industry trends and trajectory. If your product serves retirees, try to find data about how many people will be retiring in the next five years, as well as any information you can find about consumption patterns among that group. If you're selling fitness equipment, you could look at trends in gym memberships and overall health and fitness among your target audience or the population at large. Finally, look for information on whether your general industry is projected to grow or decline over the next few years.
- Make informed guesses. You'll never have perfect, complete information about the size of your total addressable market. Your goal is to base your estimates on as many verifiable data points as necessary for a confident guess.
Some sources to consult for market data include government statistics offices, industry associations, academic research, and respected news outlets covering your industry.
SWOT analysis
A SWOT analysis looks at your strengths, weaknesses, opportunities, and threats. What are the best things about your company? What are you not so good at? What market or industry shifts can you take advantage of and turn into opportunities? Are there external factors threatening your ability to succeed?
These breakdowns often are presented as a grid, with bullet points in each section breaking down the most relevant information—so you can probably skip writing full paragraphs here. Strengths and weaknesses—both internal company factors—are listed first, with opportunities and threats following in the next row. With this visual presentation, your reader can quickly see the factors that may impact your business and determine your competitive advantage in the market.
Here's an example:
Free: SWOT Analysis Template
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Competitive analysis.
There are three overarching factors you can use to differentiate your business in the face of competition:
- Cost leadership. You have the capacity to maximize profits by offering lower prices than the majority of your competitors. Examples include companies like Mejuri and Endy .
- Differentiation. Your product or service offers something distinct from the current cost leaders in your industry and banks on standing out based on your uniqueness. Think of companies like Knix and Qalo .
- Segmentation. You focus on a very specific, or niche, target market, and aim to build traction with a smaller audience before moving on to a broader market. Companies like TomboyX and Heyday Footwear are great examples of this strategy.
To understand which is the best fit, you'll need to understand your business as well as the competitive landscape.
You'll always have competition in the market, even with an innovative product, so it's important to include a competitive overview in your business plan. If you're entering an established market, include a list of a few companies you consider direct competitors and explain how you plan to differentiate your products and business from theirs.
You'll always have competition in the market, even with an innovative product.
For example, if you're selling jewelry, your competitive differentiation could be that, unlike many high-end competitors, you donate a percentage of your profits to a notable charity or pass savings on to your customers.
If you're entering a market where you can't easily identify direct competitors, consider your indirect competitors—companies offering products that are substitutes for yours. For example, if you're selling an innovative new piece of kitchen equipment, it's too easy to say that because your product is new, you have no competition. Consider what your potential customers are doing to solve the same problems your product solves.
4. Outline management and organization
The management and organization section of your business plan should tell readers about who's running your company. Detail the legal structure of your business. Communicate whether you'll incorporate your business as an S corporation or create a limited partnership or sole proprietorship.
If you have a management team, use an organizational chart to show your company's internal structure, including the roles, responsibilities, and relationships between people in your chart. Communicate how each person will contribute to the success of your startup.
5. List your products and services
Your products or services will feature prominently in most areas of your business plan, but it's important to provide a section that outlines key details about them for interested readers.
If you sell many items, you can include more general information on each of your product lines; if you only sell a few, provide additional information on each. For example, bag shop BAGGU sells a large selection of different types of bags, in addition to home goods and other accessories. Its business plan would list out those bags and key details about each.
Describe new products you'll launch in the near future and any intellectual property you own. Express how they'll improve profitability.
It's also important to note where products are coming from—handmade crafts are sourced differently than trending products for a dropshipping business, for instance.
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6. perform customer segmentation.
Your ideal customer, also known as your target market, is the foundation of your marketing plan , if not your business plan as a whole. You'll want to keep this person in mind as you make strategic decisions, which is why an overview of who they are is important to understand and include in your plan.
To give a holistic overview of your ideal customer, describe a number of general and specific demographic characteristics. Customer segmentation often includes:
- Where they live
- Their age range
- Their level of education
- Some common behavior patterns
- How they spend their free time
- Where they work
- What technology they use
- How much they earn
- Where they're commonly employed
- Their values, beliefs, or opinions
This information will vary based on what you're selling, but you should be specific enough that it's unquestionably clear who you're trying to reach—and more importantly, why you've made the choices you have based on who your customers are and what they value.
For example, a college student has different interests, shopping habits, and pricing sensitivity than a 50-year-old executive at a Fortune 500 company. Your business plan and decisions would look very different based on which one was your ideal customer.
7. Define a marketing plan
Your marketing efforts are directly informed by your ideal customer. Your marketing plan should outline your current decisions and your future strategy, with a focus on how your ideas are a fit for that ideal customer.
If you're planning to invest heavily in > Instagram marketing , for example, it might make sense to include whether Instagram is a leading platform for your audience—if it's not, that might be a sign to rethink your marketing plan.
Most marketing plans include information on four key subjects. How much detail you present on each will depend on both your business and your plan's audience.
- Price. How much do your products cost, and why have you made that decision?
- Product. What are you selling and how do you differentiate it in the market?
- Promotion. How will you get your products in front of your ideal customer?
- Place. Where will you sell your products?
Promotion may be the bulk of your plan since you can more readily dive into tactical details, but the other three areas should be covered at least briefly—each is an important strategic lever in your marketing mix.
8. Provide a logistics and operations plan
Logistics and operations are the workflows you'll implement to make your ideas a reality. If you're writing a business plan for your own planning purposes, this is still an important section to consider, even though you might not need to include the same level of detail as if you were seeking investment.
Cover all parts of your planned operations, including:
- Suppliers. Where do you get the raw materials you need for production, or where are your products produced?
- Production. Will you make, manufacture, wholesale , or dropship your products? How long does it take to produce your products and get them shipped to you? How will you handle a busy season or an unexpected spike in demand?
- Facilities. Where will you and any team members work? Do you plan to have a physical retail space? If yes, where?
- Equipment. What tools and technology do you require to be up and running? This includes everything from computers to lightbulbs and everything in between.
- Shipping and fulfillment. Will you be handling all the fulfillment tasks in-house, or will you use a third-party fulfillment partner?
- Inventory. How much will you keep on hand, and where will it be stored? How will you ship it to partners if required, and how will you approach inventory management ?
This section should signal to your reader that you've got a solid understanding of your supply chain and strong contingency plans in place to cover potential uncertainty. If your reader is you, it should give you a basis to make other important decisions, like how to price your products to cover your estimated costs, and at what point you plan to break even on your initial spending.
9. Make a financial plan
No matter how great your idea is, and regardless of the effort, time, and money you invest, a business lives or dies based on its financial health. At the end of the day, people want to work with a business they expect to be viable for the foreseeable future.
The level of detail required in your financial plan will depend on your audience and goals, but typically you'll want to include three major views of your financials: an income statement, a balance sheet, and a cash-flow statement. It also may be appropriate to include financial data and projections.
Here's a spreadsheet template that includes everything you'll need to create an income statement, balance sheet, and cash-flow statement, including some sample numbers. You can edit it to reflect projections if needed.
Income statement
Your income statement is designed to give readers a look at your revenue sources and expenses over a given time period. With those two pieces of information, they can see the all-important bottom line or the profit or loss your business experienced during that time. If you haven't launched your business yet, you can project future milestones of the same information.
Balance sheet
Your balance sheet offers a look at how much equity you have in your business. On one side, you list all your business assets (what you own), and on the other side, all your liabilities (what you owe). This provides a snapshot of your business's shareholder equity, which is calculated as:
Assets - Liabilities = Equity
Cash flow statement
Your cash flow statement is similar to your income statement, with one important difference: it takes into account when revenues are collected and when expenses are paid.
When the cash you have coming in is greater than the cash you have going out, your cash flow is positive. When the opposite scenario is true, your cash flow is negative. Ideally, your cash flow statement will help you see when cash is low, when you might have a surplus, and where you might need to have a contingency plan to access funding to keep your business solvent .
It can be especially helpful to forecast your cash-flow statement to identify gaps or negative cash flow and adjust operations as required. Here's a full guide to working through cash-flow projections for your business.
Download your copy of these templates to build out these financial statements for your business plan.
Know your audience
When you know who will be reading your plan—even if you're just writing it for yourself to clarify your ideas—you can tailor the language and level of detail to them. This can also help you make sure you're including the most relevant information and figure out when to omit sections that aren't as impactful.
Have a clear goal
You'll need to put in more work and deliver a more thorough plan if your goal is to secure funding for your business versus working through a plan for yourself or even your team.
Invest time in research
Sections of your business plan will primarily be informed by your ideas and vision, but some of the most crucial information you'll need requires research from independent sources. This is where you can invest time in understanding who you're selling to, whether there's demand for your products, and who else is selling similar products or services.
Keep it short and to the point
No matter who you're writing for, your business plan should be short and readable—generally no longer than 15 to 20 pages. If you do have additional documents you think may be valuable to your audience and your goals, consider adding them as appendices.
Keep the tone, style, and voice consistent
This is best managed by having a single person write the plan or by allowing time for the plan to be properly edited before distributing it.
Use a business plan software
Writing a business plan isn't the easiest task for business owners. But it's important for anyone starting or expanding a business. Fortunately, there are tools to help with everything from planning, drafting, creating graphics, syncing financial data, and more. Business plan software also have templates and tutorials to help you finish a comprehensive plan in hours, rather than days.
A few curated picks include:
- LivePlan : the most affordable option with samples and templates
- Bizplan : tailored for startups seeking investment
- GoSmallBiz : budget-friendly option with industry-specific templates
For a more in-depth look at the available options, read Get Guidance: 6 Business Plan Software to Help Write Your Future .
Other articles on business plans would never tell you what we're about to tell you: your business plan can fail. The last thing you want is for time and effort to go down the drain. Avoid these common mistakes:
- Bad business idea. Not every idea is going to win. Sometimes your idea may be too risky and you won't be able to get funding for it. Other times it's too expensive or there's no market. Aim for small business ideas that require little money and bypass traditional startup costs.
- No exit strategy. Investors reading your business plan want to know one thing: will your venture make them money? If you don't show an exit strategy, or a plan for them to leave the business with maximum profits, you'll have little luck finding capital.
- Unbalanced teams. A great product is the cost of entry to starting a business. But an incredible team will take it to the top. Unfortunately, many business owners overlook a balanced team. They assume readers want to see potential profits, without worrying about how you'll get it done. If you're pitching a new software idea, it makes sense to have at least one developer or IT specialist on your team.
- Missing financial projections. Your numbers are the most interesting part for readers. Don't leave out your balance sheet, cash flow statements, P&L statements, and income statements. Include your break-even analysis and return-on-investment calculations to create a successful business plan.
- Spelling and grammar errors. Some businesses think hiring a professional editor is overkill. The reality is, all the best organizations have an editor review their documents. If someone spots typos while reading your business plan, how can they believe you'll run a successful company?
Read through the following business plan example. You can download a copy in Microsoft Word or Google Docs and use it to inspire your own business planning.
Download sample business plan example (.doc)
A business plan can help you identify clear, deliberate next steps for your business, even if you never plan to pitch investors—and it can help you see gaps in your plan before they become issues. Whether you've written a business plan for a new online business idea , a retail storefront, growing your established business, or purchasing an existing business , you now have a comprehensive guide and the information you need to help you start working on the next phase of your own business.
Illustrations by Rachel Tunstall
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How do i write a business plan.
- Executive summary
- Company description
- Market analysis
- Management and organization
- Products and services
- Customer segmentation
- Marketing plan
- Logistics and operations
- Financial plan
What is a good business plan?
What are the 3 main purposes of a business plan, what are the different types of business plans, about the author.
Desirae Odjick
Desirae is a senior product marketing manager at Shopify, and has zero chill when it comes to helping entrepreneurs grow their businesses.
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I have posted on this page a few times, but they keep removing them for some unknown reason. Their main goal, according to the page, is to "keep religious indoctrination out of public schools".
I decided I would post here so my posts can not be deleted by them, and perhaps someone will even read them.
I have several problems here, not the least being keeping religious education out of schools;
1. There is no program of religious indoctrination in NZ schools. There is a totally optional extra curricular class called "bible in schools", in SOME schools.
2. When they say "religious indoctrination" I am assuming they mean "christianity" – however the word encompasses Islam, Bhuddism, naturalism, evolutionism (as opposed to the science of evolution), atheism, etc. So, they can also rule out "keeping religious indoctrination out of schools" being taught in schools.
3. By removing any religious study/education, you are denying children a proper education of the world about them. Religion in all its forms is part of life and culture. Removing it is to force their particular world view (not sure, but I suspect atheists or at least agnostics in charge here), which is in itself a form of indoctrination.
Teaching children about the world about them, all the different perspectives, the pros and cons of the majors should be ESSENTIAL to our education system. What's the worse than can happen? A child might learn to put others first? That humility and love are desirable traits to have in their lives instead of anger and arrogance? That they might choose to serve their community because they believe in a god of some kind?
What kind of arrogant egotistical selfish person would want to prevent their children, and other peoples children (many of whom have no objection to religious education which is not forced on people) from learning about what other people believe and why, and how this may or may not enrich the world we live in…
honestly.. some people should be banned from the internet (and schools.. and radios..).
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You're watching...
How dangerous are US F-16 fighter jets gifted to Egypt?
Closer look at aircraft's capabilities
Jan 23, 2013
Liz Cheney
You're watching...
Closer look at aircraft's capabilities
Jan 23, 2013
Liz Cheney
Also in this playlist...
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On the back to Hannity tonight we are raising some very serious questions about the Obama administration's decision to hand over some of our most deadly military weapons to Egypt.
Now particularly given the nation's ties to an anti American terrorist group like the Muslim Brotherhood.
Joining me now to explain just how idiotic the proposal is to give away twenty of our F sixteens and 200.
Of our tanks to a country led by a 9/11 truth -- like Mohamed Morsi we have retired air force lieutenant colonel Thomas -- -- -- He's a Fox's military analyst and Fox News contributor Liz Cheney -- -- both the -- -- -- on -- I know you know this region very very well I know the argument was there were more moderate people in the military.
But they've been replaced.
By supporters of Mohamed Morsi.
Bottle it what is the reason tell me the motivation here knowing that this kind of put Israel at risk.
You know I can't I can't imagine -- the motivation is -- have a situation where.
The the gifted these F sixteens was approved back in 2010.
We had a very different set of circumstances the Egyptian military under Hosni Mubarak had in fact been an important ally of the United States.
I think that the Egyptian military still has the potential to be.
Somewhat of a balancing factor against the Muslim Brotherhood however.
Yeah it is the case that the president -- has replaced the head of the military he's put in his own person.
Certainly at this point -- -- the resurgence of al-Qaeda across North Africa.
Given the ties of the Egyptian government two terrorist organizations like Hamas.
Given the fact the president Morrissey has proven again and again and again he doesn't view the United States is a friend.
We need to stop this bad movement of these that F sixteen -- do we need to take another look at exactly -- We are in fact relating to the government of Egypt and we need to get to a point frankly where the United States once again -- some credibility in the region where we say.
Way down general it's it goes back to very simple question.
You got a guy that's a part of a terror group.
A guy that tonight eleven truth -- he calls the Israelis apes and pigs all the things were describing vampires.
He -- this why would Obama give somebody that is so anti Israel.
The very weapons they could destroy them.
Well Sean this is a very good question number I'm delighted that you're highlighting it first -- there's no question that the months of Muslim Brotherhood.
Are radical Islam much.
So we have a situation that dramatically changed since 2010.
I think.
That the only thing that I could see was there was a deal struck when more -- Told him us to quit the attacks on the Israelis.
In December.
When they were -- -- -- And -- and the Israelis almost went to war that may have been what they're quid pro quo was I do not know that but this is a very risky decision.
They are very capable airplanes -- latest blocked their -- 52.
We have six teams they're not not cost you're not low cost export models did the very best we've got now they already have 200 and -- And this additional twining.
We'll make them 240 Williams -- fourth largest F sixteen air force in the world.
Isn't that large -- larger in terms of the the the F sixteens the planes that the Israelis have is that more than them.
Yes that that is larger than -- Israelis.
And in the Israelis are more capable pilots but there's no question that numbers have an impact so we are now in a very dangerous.
Position I think it should be reassessed.
There's a value to keep the Egyptian military on our side there is no question that -- -- replaced the chief of the defense staff.
And -- put his leadership in and year in a situation like when Hitler took over in 33.
From the German generals thought they could control him.
When you have.
Autocratic governments like this.
You're not going to control an individual.
Like more she's so we're in a very dangerous position I think it's very important that we have a national discussion yeah.
Liz is would this be any different then.
Giving these planes to Auckland then they shot an -- and why -- why not see a difference to I would isn't the same.
You know I don't think it's it's exactly the same shot but I think you clearly have a situation here where.
The message this president is sent is there are no consequences to crossing United States there are no consequences you know you -- our.
Conklin Ben Ghazi you kill our ambassador you kill -- other Americans no consequences no one's been held to account.
In this particular case.
President Morrissey a laugh out -- members of al-Qaeda to overrun the American Embassy in Kyle allowed them to -- out our flag and fly the al-Qaeda flag.
Allowed all of that to happen.
When you know he had responsibility as a sovereign government.
To ensure the protection and security of our people and in the aftermath of that for us to be providing to the egyptians.
These F sixteen -- once again the message that the United States.
Is not a -- have to reckon with we are not any longer the kind of powerful nation that we need to be for the world to be safe and secure yourself.
It's a very traveling at turn of events well said both the U and really appreciate your insight and your time tonight thank you.
Thank you.
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How To Refinance
Refinance Calculator - Should You Refinance? | Zillow
Reasons to Refinance a Mortgage Get a Lower Interest Rate. Getting a lower interest rate is by far the most popular reason to refinance a mortgage. If... Switch Your Mortgage Type. When you refinance, you can select a different loan type than the one you currently have in... Fund Home Improvements. ...
Refinancing a Home 101: Is it Right for Your Mortgage ...
How to Refinance Your Mortgage 1. Learn the refinance strategies.. Cash-out refinance: One reason people refinance is to use the equity in their home. 2. Decide if refinancing is beneficial.. Refinancing a home might be the best plan for you. But it's not always a... 3. Find out your credit score.. ...
How To Refinance Mortgage Loans: Beginner's Guide ...
Refinancing is the process of paying off your existing mortgage with a new mortgage. Typically, you refinance your mortgage to reduce your interest rate and monthly payment or change the length (or term) of your mortgage. You may also refinance to take cash out from your home's equity.
How Refinancing Works & When to Refinance Your Home | PennyMac
Lower your payment Use your home equity to better manage debt Pay off your loan faster Get a low rate for the life of your loan
5 Ways to Refinance Your Mortgage - wikiHow
How to Refinance Your Mortgage Method 1 of 5: Doing Your Homework. Know what will influence the rate that you will receive. ... Understand that... Method 2 of 5: Modifying the Length of Your Mortgage. Lengthen the term of your mortgage to reduce your monthly payments. Method 3 of 5: Dealing with ...
A Consumer's Guide to Mortgage Refinancings
Determining your eligibility for refinancing is similar to the approval process that you went through with your first mortgage. Your lender will consider your income and assets, credit score, other debts, the current value of the property, and the amount you want to borrow.
Refinance your mortgage, mortgage refinance options
A cash-out refi allows you to access a portion of your home's equity and turn it into cash. While it's true that you can use the cash for whatever you like, the smart decision is to pay off high-interest debt (including credit cards and student loans), or make improvements on your home to increase its value.
Best way to refinance: Avoid these 6 mistakes | Mortgage ...
Refinance applicants can reduce their costs by avoiding mistakes during the application process. This is the best way to refinance.
Refinance Calculator | Quicken Loans
If you have enough equity in your home, you may be able to refinance to take cash out. Taking cash out means refinancing your home with a larger loan amount. Your new loan pays off your existing loan, and you get to pocket the difference. Many homeowners take cash out to pay off high-interest debt or fund home improvements.
How to Pick the Right Lender When Refinancing a Mortgage
Refinancing your mortgage can, under the right circumstances, be a financial boon for your pocketbook. Before you embark on the process, though, you need to understand it in order to make sure ...
Refinance Calculator – Should I Refinance – Realtor.com®
Should I refinance my home? Use our refinance calculator to help determine if refinancing is the right option for you. Our easy-to-use calculator helps you estimate the amount of money a home ...
How Refinancing Works: Pros and Cons of New Loans
When you refinance, you replace an existing loan with a new loan that pays off the debt of the old loan. 1 The new loan should have better terms or features that improve your finances. 2 The details of what the refinancing looks like depend on the type of loan and your lender, but the process typically unfolds as follows:
Best Mortgage Refinance Lenders of 2020 | U.S. News
A mortgage refinance trades your current mortgage for a new one. The lender pays off the old home loan, and you begin making payments on the new home loan.
Refinance Your Mortgage: When It Makes Sense and How to Do It
Key Takeaways Getting a mortgage with a lower interest rate is one of the best reasons to refinance. When interest rates drop, consider refinancing to shorten the term of your mortgage and pay significantly less in... Switching to a fixed-rate mortgage—or to an adjustable-rate one—can make sense ...
How to Refinance Student Loans in 7 Steps — NerdWallet
After the rescission period ends, your new lender will pay off your existing lender or servicer. Going forward, you'll make monthly payments to your new refinance lender. Keep making payments to...
When To Refinance: 3 Steps to Deciding Whether to ...
Deciding when to refinance is no small decision, so don't jump on the refinance band-wagon just because other people you know are doing it. Take some time to figure out what your total costs would be, what your new monthly payments would be, and whether or not it's the right decision for you.
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