Business

Boot Camp: character discovered daily

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Your fellow veterans get it. Unfortunately, his loved ones, who never shared the experience, simply don’t understand boot camp. What happened there? Why have you changed? The following was documented to help you start that conversation. They will never really know. Maybe they can at least understand.

“The content of one’s character” is a phrase we often hear. Each of us has character; some simply have more content than others. Yet that makes us believe. How do we know how much character content we have? At what point do we reach our bottom? How do we react when we stare into that abyss? These are the basic questions of military training, affectionately known as ‘boot camp’, that each of us can answer for ourselves.

During the summer of 1989, I had the great pleasure of serving as a cadet training officer for the Air Force ROTC at Dover AFB, DE. This was a six-week camp designed both to develop college students into leaders of American warriors and to weed out those who could not meet the stringent requirements of USAF officers. Along with the rest of the staff, I showed up a week early for mission review and plan development.

Just hours before the cadets arrived at dawn, my true mission was fully revealed. After spending the night together as R&R personnel, I looked around the room only to realize that I was left alone with the Commander of Cadets, a Lieutenant Colonel with impeccable credentials. He asked me to sit near him and began to speak out of place in soft tones, “The civilians will be here in a few hours. I’m counting on you to make sure the officer candidates leave.” Hoping this was the whole idea, I responded with the customary “Hooah” to acknowledge that I understood my mission and accepted his challenge. But, he continued.

As he spoke, I felt his intensity increase. Although she never spoke out loud, her passion and sincerity captured my attention and filled me with great anticipation. He was no longer having a casual conversation. I was experiencing one of the most memorable moments of my life that would lead to a significant emotional event in the next few weeks. “I want you to break every cadet that walks through that door. Break mentally, break physically or break emotionally, but break! Then they will know the depth of his character.” I sat there, open-mouthed, obviously taken aback and pondering deep thoughts as he finished: “You can’t rebuild the Air Force… You can’t take Airmen to war… Until they find what they’ve got.” very deep inside”.

Almost four weeks passed before I internalized his words. I was checking the barracks at half past midnight, waiting for the cadets all asleep; however, knowing that they could be shining shoes by moonlight or studying with a flashlight. These things had to be done at night. No time was allowed in the daily routine for cadets to accomplish all assigned tasks. However, as a night stalker, it was my duty to punish anyone I caught. it was a game. They had to do whatever it took to pass courses, inspections, and physical fitness tests; I increased the difficulty level. There was only one cadet awake that night. He was outside scrubbing the floor to a shine when I ran into him.

Within minutes I had him outside doing push-ups. As he counted them, “1, 2, 3, 1, sir… 1, 2, 3, 2, sir” I detected a comical frivolity in his cadence. He had done this before. He already knew the game and was prepared to wait for me outside so I could go back to his quarters and pretend to sleep until I left the area. The Commander’s words came back to me. I did not know very well how to fulfill my mission. I knew: failure was not an option.

This was a great specimen of a man before me. If he hadn’t chosen to stand up for freedom, he could easily have decided to spend his time chasing a football while he snapped linemen in half and ate quarterbacks for a light snack. He was over 50. I gave a lecture. I told him that it was now government property and that he was not taking very good care of that property. When he passed 100 years, he was extolling the virtues of sleep and the body’s need for rest. It wasn’t until about 200 four-beat push-ups that he even started to slow down. But, for 250 he was mine. He didn’t need to scream. He had learned that a whisper was much more powerful. I put my lips very close to his ear and questioned his manhood. When his arms began to shake from lifting his mammoth body so many times, I knew his strength was leaving him. A few more and physically he couldn’t continue. He had forced it to the very end of his physical limits. He tried to get up; but his arms were no longer cooperating.

“Have you had enough?” I barked loud enough to change the mood; however, not so loud as to wake those sleeping within. “No, sir,” she replied dryly, now with serious desperation in her tone. I invited him to resign, “Maybe my Air Force isn’t the place for you, cadet. Say the word and you’ll be back in your mother’s arms before this time tomorrow.” She barely finished her sentence when she belched, “I won’t quit, sir.” Her body didn’t agree. He was done. I caught his eye and stood face to face with him. “This isn’t the job for you,” I insisted softly, “why don’t you come home to Mommy? There’s enough Air Force in me for both of us. Say the word, cadet.” His face began to tighten. His muscles, though tired, hardened. His eyes pierced me like daggers. His gaze was chilling.

I myself was not far behind. At 6’5″, 220 lbs, he was not only the athletic training officer, he was also a martial arts fighter with the state record for the fastest knockout in Pennsylvania history and a future Air Force athlete for that sport. “Although I had faced big men in the ring, what was face to face before me was more than a man. He was a giant of whom epics are written: a voice given by a mountain. When I took in the muscular definition of the tree—his arms like a trunk—I thought I could almost smell his rage.

Just as I was preparing for the worst, I realized that it wasn’t anger in the air. It was the content of a man’s character that he was witnessing. A tear rolled down his right eye. “I won’t quit sir” he yelled as his voice cracked, “there’s nothing you can do to me…” Both eyes were watery now. “Nothing you can tell me…” Resolution returned to his voice. “…to make me quit, sir.” He straightened his shoulders even more, clenched his fists, squared himself off perfectly, and finished, “We can stay here as long as you want, sir…as long as you need…until you understand, that I’M NEVER GIVING UP.” !” We didn’t need to stay longer. My work was done. He had found his butt and seen the contents of it.

Weeks later, at his graduation ceremony, he bowed gracefully, then extended his hand in friendship. “I’ll never be able to properly thank you for that night,” she said as her eyes strayed from mine. I took her hand and shook it determinedly, replying, “And you’ll never need to, hooah?” Her gaze locked firmly on mine as her grip tightened and she ended our time together with a parting thought. Because there was only one thing he could say to show his full understanding of her: “Hooah.” This was a warrior leader.

Home Kitchen

Simple ways to make your home more comfortable and functional

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Is your house comfortable? Does it “work” for you or do you adapt to how it is built? Whether you’re a baby boomer facing the realities of aging, a new mom with your hands full, or someone with a physical disability, there are simple, inexpensive ways to make your home more comfortable and functional. Here are some ideas:

Throughout the house doorknobs are swapped for door levers. It’s so simple and inexpensive to swap out a doorknob for a doorknob, but if you have arthritis or weak hands, turning a doorknob can be very painful, if not impossible. Also, if you’re a new mom with a baby in your arms, it’s a lot harder to turn that knob. Maybe you just have your arms full of groceries and it’s hard to turn that knob. Can you imagine if you have arthritis in your hands and you just walk around your house and every time you knock on the doors it hurts? If you replaced that knob with a lever, you can touch it with your elbow. The arthritis problem and all the others are gone.

In your bathroom there are several things you can do. One is to install grab bars in the shower or near the toilet. This is great if you have weak knees. I have a client who had a roman tub and she was afraid to change it for a shower because she didn’t want to lose the value of the house. I asked him, “What’s the value of knee surgery? You’re going to hit your knee every day.” She switched to a shower. She didn’t have to bump her knee every day to get her feet in the shower.

You can also place a seat and a handheld sprayer in the shower. You can go to a home improvement store and buy a seat for as little as $20 and a handheld sprayer for another $20. This allows you to sit in the shower and shampoo your hair or shave your legs. If you have weak knees, it takes the stress out of them. If you are having trouble feeling dizzy or dizzy when standing up, this would eliminate the problem.

The shower or bathroom floor can often be a hazard in and of itself. With all the soap and water it becomes slippery and you can quickly lose your balance. There are several solutions to this, from quick and easy to a bit more expensive. We’ve all seen those little decals you put on the bottom of the bathtub. Put them on, it’s a cheap solution! If you are redoing your shower, you should use smaller tiles on the floor. It will cost a bit more to make this smaller tile, but if you use an inch or two tile on the floor, all that extra grout will give you extra grip.

You may think that the kitchen is an area that would not be easy to change. Is not true! The easy fix is ​​to change your sink handle to a single handle design. The two-knob design poses the same problem as the doorknob. It will be easier for someone who has arthritis or just has their hands full with a new baby to be able to use one touch to control the faucet. Going one step further, I just saw in a showroom that they have a new faucet and you can tap anywhere on the faucet to turn it on or off.

Another thing is to make sure the cabinet handles are low enough that you can reach them. I’m only 5’2″, so half of my upper cabinet space is wasted as far as I’m concerned because I can’t reach it. If you’re in a wheelchair, you want to make sure you have plenty of lower cabinet space. space for you to go out and cook.

Here are some simple and inexpensive solutions to make your home more comfortable.

Auto

Several virtual assistant features that customers are looking for

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Most of the business owners hired virtual assistants not only with their knowledge but also with their skills. Something that will help improve and contribute to a productive and successful relationship in the business.

There are flaws in the hiring of virtual assistants where they did not meet the requirements they are looking for to work with clients. Features are more important, especially in association in the commercial industry.

Have you ever tried and waited so long for clients to hire you as their virtual assistant? We can provide you with various features in order to help you be a chosen one.

1) Preparation / arrangement

As a virtual assistant, it is essential that you are always prepared and ready to face the new challenges that come your way. Being yourself and having the confidence to get things done will make your clients appreciate you.

2) Have excellent communication skills

Having excellent communication through verbal and written skills has a sufficient understanding between you and your clients. Remember that English is the most widely used international language in the business industry worldwide.

3) Care

Having this feature could minimize wasted time repeatedly asking when instructed what the task should be for your customers. If you are not sure what your customer details were, you can ask once. Also make sure you have pens and paper by your side so you can write down all the information. Most virtual assistants are shy to ask and simply did not say anything and the reason why the results of their task did not meet the expectations of their clients.

4) Be resourceful and trustworthy

Apart from the tools or materials you have, you can do it on your own. Clients will give you all the instructions on what was assigned to you. Don’t be afraid to suggest tools to help make your task more creative and informative. By being resourceful, you can provide a great result for the business. A virtual assistant does not depend on a single tool, but needs to find ways to help solve the problem. Also, having reliable sources could entice the audience to engage with the products.

5) Trust yourself and be happy

Building confidence in yourself will also have an impact on your relationship with your customers. Humbly trusting that you can get things done and completing tasks promptly will keep you on the client list. Of course, be happy through many challenges and failures you face. Remember that no one is perfect. Learn from mistakes and be satisfied with what you are doing. You will familiarize yourself and do the right thing for your customers to grow the business.

6) Be competent

Do not compare yourself with others. Become your competitor so that you can have the courage to face the struggles and solve them by yourself. As long as you’re ready, confident, have the tools/materials, reliable sources, and are happy with what you’re doing, you’ll make a great virtual assistant, and this could also build trust with your clients.

Remember that business owners cannot do and complete the task by themselves. They will be looking for a great virtual assistant to help grow their business.

Digital Marketing

Parents Guide to Writing Private High School Application Essays

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Your teen’s entrance into a private high school cannot be taken for granted. With public schools beset by a variety of problems (discipline, poor test results, safety), private high schools offer your child a quality education in a safe environment.

When you apply for a private high school information pack, you will discover that essays and short answer essays are required from both you and your teen. Your teen, who should be comfortable answering essay-style questions, will be asked about their academic strengths and weaknesses, their desire to attend private school, and their hobbies and extracurricular activities. Parent questions, however, often have a different focus and are designed with different purposes in mind.

Essay questions directed at parents are generally analytical in nature. Instead of asking for facts, these questions ask you to talk about your teen’s character, discuss family dynamics, and assess his role as a supporter of private school. Private high school admissions directors recognize that teens who are raised in a stable, educationally focused home are much more likely to succeed than their peers who are less supported at home.

Similarly, private school administrators review your essay responses to determine if you can be counted on to support the high school financially or through volunteer work. As you can imagine, administrators cannot legally or ethically ask some of these questions, but they can draw inferences based on their answers to the application’s questions.

Analytical Questions

For example, an application question might ask what you think your child can contribute to XYZ School. This type of question really asks you to talk about your child’s academic, social, athletic, and extracurricular interests. If you have visited the school, reference her visit to show that she has made an effort to learn more about the school. Your response should address each of your child’s areas of interest and strengths. Here is a sample answer to this question:

During our recent visit to XYZ School, Tommy pointed me out to the well-equipped science lab and asked me a series of questions about the science curriculum available to students at the school. Tommy has a long-standing interest in the study of science and has done well in elementary school and we believe he will bring that interest and aptitude to his high school studies. His current teachers note that Tommy regularly asks thoughtful and insightful questions in class. In addition to working hard to do well academically, Tommy will be willing to join the school’s baseball team and/or his marching band. Tommy maintains a busy schedule during the school year and, as a well-rounded and serious young man, he will represent the ideals and message of XYZ School now and in the future.

Family Stability and Religious Affairs

Other questions will ask you more directly about your future involvement in school fundraising and other activities. These questions are designed to assess the stability of your home life and your potential for future financial support. For example, a religious school application might ask about the role your religion plays in your life. A non-religious school might ask why you are considering XYZ School. Here is a sample answer to this type of question:

Our family is an active member of XYZ church. We are active members of the social action committee and every Thanksgiving, our entire family, including Tommy and his two sisters, volunteer at XYZ Church’s Good Clothing Center, where we help distribute good clothing. to the homeless. Tommy and his sisters have been greatly affected by this activity, as well as other church-related functions. With a hands-on opportunity to minister to those less fortunate, Tommy has a personal understanding of the message of the XYZ religion. We try to reinforce that message at home by attending services regularly and making daily prayer part of our routine. At XYZ Private Elementary School, both my husband and I serve on the board of directors and are active participants in the school’s annual Feed the Hungry campaign.

Responses like the ones above are designed to send a message to school administrators that you and your teen are serious, dedicated, and stable individuals who will fit in well with the community that develops within a particular private school. If you make an effort to study the type of community that exists within a particular school and model your entrance questionnaire essay on that community, you will greatly improve your child’s chances of gaining admission.

Relationship

Scared straight into network marketing

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Imagine for a minute that you could borrow Michael J Fox’s DeLorean and travel to the future to talk to himself at the end of his career. What advice would you give yourself? More importantly, how would that experience affect the decisions you are currently making? Would you do something different today to alter the course of your life?

Helping people see that their future is in their own hands, as a direct result of the decisions they make today, has always been a challenge. In the 1980s, a program aimed at empowering troubled youth succeeded in showing them what the future would surely hold if they continued down their current path of lawlessness and disrespect. These children were “very scared” after spending a few hours in a prison experiencing the terrifying and brutal conditions that awaited them. There is nothing more convincing than the voice of experience.

Being in the field of education for most of my life, I have been surrounded by teenagers. I have often wondered if the flames of nonconformity and entrepreneurship that burn in most young people would be fanned by a glimpse into the future life of the ‘average worker’. I think staring into the vacant eyes of those who no longer question and the gray skin of someone who has traded natural sunlight for a fluorescent-lit cubicle would make anyone think twice before accepting the mediocrity that awaits them in the corporate world.

Everyone starts out with visions of living their best life. Listening to someone who has lost all passion can make you cling to your dreams and fight to make them come true. Talk to a successful network marketer and they will tell you how they work harder than ever, because they are finally in control of creating a spectacular future for their family.

Observing the security of being chained to a desk by your boss would definitely make the freedom of network marketing outweigh the risks of failure or even ridicule. As an independent distributor, you have the freedom to build your business how, when and where you choose. I used to leave for work before my family woke up and drive through the snowy darkness to my office. Now my wife and I work our business around our children’s schedules from sunny Florida beaches. I used to gaze at the beauty of the sunrise only from my office window. Now, we see our beautiful children rise with the sun and seize the possibilities of a new day.

Once you realize that you have spent many of your best years working hard to make someone else’s dreams come true at the expense of your own forgotten aspirations, you will likely regret it.

The good news is that it is not too late. The fact that you are reading this today is proof that you still have the spark to create the life you have envisioned. Choose to live an extraordinary life. Reject the false notion that corporate America will bring you financial and emotional security. Choose instead to be scared outright, blaze your own trail, and write your own story through the power of network marketing.

Gaming

10 World Of Warcraft Conversation Starters – How To Talk To Your Player

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If you have a gamer at home, you know they can get totally engrossed in World Of Warcraft. If you’re having a hard time understanding what your child, husband/wife, friend, or co-worker is talking about, read on. You’ll discover 10 conversation starters that will peek into your world and open the lines of communication.

1. What faction do you play?

There are two factions in WoW: Alliance and Horde. Alliance are primarily human and are supposed to be “the good guys”. The Horde are not human and are like animals. Some would assume they are “the bad guys”. Blizzard Entertainment, the creators of the game, seem to like to blur the lines between good and evil. So asking your player what faction they play and why is a great conversation starter.

two. What is the history of the game?

Not all players follow the WoW tradition. But if yours does, he or she may have a greater understanding and emotional connection to the game. There is currently a HUGE buzz from expert players about Garrosh Hellscream’s rise to leader of the Horde. Asking about Garrosh could start a big tirade.

3. How many drawings do you have?

You can have tons of characters (or toons) in the game. But most of the players tend to have a primary or main one that they like to play.

Four. Tell me about the race/class of your main toon.

There are many combinations to choose from. But it’s always interesting to hear why someone is attracted to a certain race or class. Does your player like to play with the opposite sex? Cast spells? Do you prefer non-human attributes?

5. What level is your main toon?

Character leveling and the speed at which it is achieved is a great source of pride for many. If this is the case in your situation, go one step further and ask about their exploits and great battles. What makes your character special?

6. Do you prefer PVE? PvP?

PVE stands for player versus environment. And PVP stands for player versus player. In World Of Warcraft you can choose to interact (fight) with characters generated by the game or other players. PVP can involve duels, battlefields, arenas, and the like.

7. What are the professions of your characters?

Jewelry Making, Engineering, and Enchanting are just three of the primary/secondary professions offered in the game. As you may have guessed, your player can have more than one.

8. Do you collect anything in the game?

Pets and mounts are common collectible items in the game.

9. Are you in a guild?

Guilds represent the social aspect of the game. Players join guilds to gather resources, raid enemy areas, search, and fight in dungeons. Some guilds are competitive to join. Members must apply before being accepted.

10 How do you earn money?

There are many ways to earn money in Azeroth. But the most common way to earn gold is through the auction house. It works much like the stock market.

If talking to your player has piqued their interest in playing World Of Warcraft, please read the next page to download your free trial game guide. Think of it as your advisor in the game. Telling your character where to go, who to see and what to do. Click here now to get your free copy.

Health Fitness

3 secrets of the raw food diet!

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If you’re wondering what the secrets are to eating raw, there are many reasons to incorporate raw foods into your diet, including the health benefits. Eating mostly raw foods will help you in many ways, including eliminating many of your foods, symptoms, illnesses, and conditions. Raw food diets are also called raw vegan diets and live food diets. Raw foods are fruits, vegetables, nuts, and seeds.

1. The first secret is – a raw food diet is a natural weight loss diet. This seems to be a secret because there are so many other approaches to losing weight like taking diet pills, dietary supplements, and signing up for diet plans, when simply eating live foods will make you lose weight naturally.

When you start eating raw food, you will notice very rapid weight loss whether you are eating raw food for weight loss or not. No matter how many fruits and vegetables you eat on any given day, you will lose weight. You would have to eat literally tons of fruits, vegetables, nuts, and seeds to get enough calories to gain weight. I don’t need to go into why losing weight is healthy, you certainly know that.

2. The second secret is – a raw food diet will give you tons of energy and three extra wakes to enjoy every day. As a raw foodist (and nurse) I have been eating 100% raw food for many years. I have tons of energy. I only need five hours of sleep a night and I have a lot of extra hours to fill because of that. These are not tired hours but productive hours. I have so much energy from my raw vegan diet that I work on multiple projects at once and maintain a very busy optimistic lifestyle.

3. The third secret is: eating a raw food diet will help you get rid of existing ailments, conditions and diseases. I know because I got rid of breast cancer, arthritis, fibromyalgia, acid reflux, irritable bowel syndrome, celiac disease, thrush, chronic sinus infections, heartburn, digestive problems and more . I never get sick and I don’t take drugs, medication or medicine. You also won’t have to suffer when you start eating live foods.

There are dozens of secrets and health benefits that are too long to list here. I bet they’ll get you started on the right path to superior health. A raw food diet is never boring. You can make all kinds of raw food recipes and prepare raw vegan desserts like fudge, apple pie, blueberry pie, cookies, crackers, bars, date and walnut balls and hundreds of others. I especially like homemade almond milk which you can use for dozens of purposes and is a perfect replacement for harmful dairy products. Why not start today by adding more live foods to your diet and see and feel the benefits like I did?

Lifestyle Fashion

How bad does your vagina smell? Simple Ways To Get Rid Of Vaginal Odor If It’s Not Caused By An Infection

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It is normal for all girls who have reached puberty to experience vaginal odor. We have the natural smell and then the kind caused by common bodily actions. Take menstruation, normally if the vagina is not kept clean at the time of the monthly cycle, the stale blood left over a period of time will bring odor. Then we have urine, another reason for vaginal odor. Do not rinse or clean the vagina after using the bathroom, the droplets adhere to the pubic hair, which makes messy and stains the smelly panties.

Sanitary pads and tampons should be changed regularly. If you are worried about how you smell down, instead of the suggested cleaning once a day, please wash 2 or 3 times if necessary. In hot weather, change panties frequently, as heat can be problematic on and around the genitals. A buildup of sweat will make the genitals wet, sticky, and smelly. Choose cotton panties or briefs to wear as it is a breathable fabric. Cotton over nylon and other materials allow the vagina to breathe. Trim, pubic hair as coarse hair is a great attraction for urine, blood and sweat to stick to.

If you are worried about odor, especially the smell that menstruation brings and the expense of keeping changing pads, find a more cost-effective way and use reusable cotton pads or menstrual cups.

The vagina is not a body organ known to cause discomfort in this way because it has a self-cleaning mechanism. Regardless of whether the organ is odorless or not, the vagina smells, well, the area around it can, and you have the above 3 reasons to try it.

Particular vaginal infections bring odor which is embarrassing. Take bacterial vaginosis typically known for a vaginal discharge that smells fishy. And then you have the one that causes it, again kind of embarrassing if you’re around people. BV occurs because bacteria and parasites enter the vagina. Although the vagina is a self-cleaning organ, bacteria and parasites still manage to settle inside it, so take steps to prevent this from happening.

Hygiene is important to keep odor to a minimum. The vagina has a natural smell that is supposedly erotic and very exciting for the opposite sex, however, too strong a smell can be unpleasant.

Genital skin is sensitive, so be careful with certain feminine products. The cleaning of the vulva does not need more than a rinse with water. If you’re in the process of treating an infection at home, talk to your pharmacist about the safest products to use, as many over-the-counter products contain chemicals. Chemicals remove natural oils and if used on the vulva, the skin can become dry and irritated. Skin in this state is now more prone to infection. Specific chemicals that come in contact with the vagina can cause a urinary tract infection if they are near the urethra.

Chemical soaps, bath gels and others are known to alter the natural pH of the vagina and cause an overgrowth of anaerobic bacteria, genital mycoplasmas and Gardnerella vaginalis, with reduced or absent lactobacilli. Avoid highly scented products, or gels or antiseptics, which can upset the balance of healthy bacteria.

It is not necessary to rub the vagina vigorously. Just like you would wash your hands and face is the way.

Washing the folds around the clitoris is not difficult but definitely necessary. Using your fingers, separate the labia from the clitoris and gently but not rub the skin on either side of the clitoris. Don’t forget to clean the perineum, this is the area between the vagina and the anus.

Unless a doctor or pharmacist has prescribed or recommended a particular medication to treat an infection causing vaginal odor, do not use it. Also, any condition that produces a bad odor should be determined by a doctor and not a friend to make sure you are treating the right problem. It occurs all too often among women who thought they had a yeast infection only to find out they have a sexually transmitted disease. Effective treatment of infections only occurs if the correct infection is diagnosed and the correct cream lotion or tablets are used.

Fishy smell, changes in secretion, texture, pain when urinating or vaginal bleeding when you do not have a period are symptoms that advise you to go to the doctor.

Pets

Tips for buying your first purebred puppy

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As you begin your search for a purebred puppy, there are many things to consider. Owning a purebred dog is not only a huge responsibility, it can be a huge investment. The excitement of deciding to buy your own purebred puppy can sometimes overshadow your judgement. Make sure you have all the facts to get the perfect, healthy purebred puppy you’ve been wanting. Here are some tips to keep in mind as you start looking for that special companion:

• Research the breed of purebred puppy you want

Purchasing a purebred puppy is a big decision, the best place to start is by researching particular breeds and evaluating their characteristics, i.e. appearance, size, health issues, etc. Once you narrow it down to 2 or 3 breeds that suit your lifestyle, do some further research – there are dozens of books in the library and plenty of articles online to help you. Think about your life, how often are you at home? Have children? Do you have other animals? Do you have a large backyard? Questions like this will definitely help you figure out what type of dog will be best for you.

• Decide if you want to buy your purebred puppy online or locally

There are breeders of purebred puppies all over the world. Many people like to see/meet the puppy before deciding to take it home, but buying a purebred puppy online from a responsible breeder significantly opens up your options. Often people find that there are no good breeders locally. The Internet, however, allows people to find a responsible breeder without being restricted to just their geographic area. Many websites allow you to view puppies by breed type, gender and age, which means you could see hundreds of puppies in the time it would probably take you to drive 30 minutes locally and meet one in person.

• Before you bring home your purebred puppy

There are definitely a few things to take care of before you can bring your purebred puppy home. One of the main things is to make sure you have a fenced yard. Invisible or underground fences are not considered a practical alternative as other animals can get in but your dog cannot get out. Dog-proofing your house is next on the list: sit on the floor and see if there are any dangerous items your pup could get into, e.g. electrical wires, trash cans, etc. Another thing to keep in mind is that investing in a dog crate and dog bed before you bring your pup home is a good idea. Crates may be necessary to get your pup used to sleeping in one place, and also prevent him from having accidents all over the house. Over time, most dogs make a very good transition to dog beds.

The above tips are not all there is to consider when purchasing a puppy, but they are definitely a good place to start! Do your research and be sure to bring home the pup of your dreams.

Real Estate

What is the difference between reinstatement and modification of a home loan or mortgage?

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If your mortgage lender has sent you a letter demanding that you pay all of your late payments, as well as all late fees, penalties, and legal fees to stay current, then the process they are working through is called reinstatement of your loan. . Your lender believes that the delinquent amounts do not meet the terms of your mortgage loan. This requires them to demand that you catch up or they must foreclose on your mortgage and keep your home. Can a home loan modification bypass this process and bring you current without having to pay this large amount? If the answer is yes, why is this true? You may ask, what is the difference between a mortgage loan reinstatement and modification?

The payment demand letter a borrower receives is based on the terms of the loan. It only allows you to pay the payment as described in your loan documents. If you are behind on your payments, you will still be bound by the terms of your contract with the lender. There is no language in your loan to allow changes. Therefore, the lender has no choice but to collect or foreclose. It has fallen into arrears and the only contractual way to be up to date is to pay all amounts due. So his loan has been “reinstated” and he can keep his house as long as he continues to make the payments on time. This process is called reinstatement.

But, the problem with the reinstatement process is that if you’re too far behind, you won’t be able to find enough cash to catch up all at once. The language of your loan triggers a foreclosure you can’t stop.

Unless… You can work out an agreement with your lender to “change” the language and terms of your loan. This type of situation will require “modifying” your loan. You change the terms so you can continue to own and pay for your home. It would include interest reduction to lower your monthly payment and take your unpaid payments and pay them back to your loan. The new terms would have the effect of creating new monthly payments, which would be affordable for you. Your monthly payments would now fit into your monthly budget.

Why would the lender do this? Because your lender loses a lot of money every time he forecloses on a home. This is complicated, but the costs your lender must pay may include:

1. The cost of the foreclosure process that goes through the court system.

2. Your house will probably sell for less today than it did a few years ago due to the economy. If your lender receives less than it owes you, then you lose this money.

3. Take care of your home while it is in the process of being sold. This includes large real estate commissions, utility bills, and maintenance.

4. The lender borrowed money from an even larger lender to lend you the money you used to buy your home. Your lender must pay it back.

5. While your home is in foreclosure or for sale, your lender cannot use it as an asset on the bank’s balance sheet. They are then criticized by government regulators.

Well, what does your lender want? First, the lender wants you to catch up on your payments on your own and get a refund. If that’s not possible and you can identify the problems you’ve had that forced you to fall behind, then the lender wants to work with you. The lender wants you to prove what went wrong; what is different today; and how much you can pay. They then need to see if they can make their plan work from their point of view.

If you can agree on terms that work for both of you, then you can change the words or terms of your loan to incorporate the new agreement. You will not get a new loan or a refinance loan. You’ll do a “home loan modification,” which simply changes some of the terms of the loan, so that it now includes your new agreements.

Mortgage loan modifications are done thousands of times a day, due to the current housing crisis. You can do it yourself, if you are familiar with the process. However, this can be tricky. I would interview various experts in mortgage loan modification processes. Find out what they promise, what they charge and if they accept payments. For my recommendation, see my resource box below.