Business

Ocean Harbor Insurance – Complete Protection

Ocean Harbor insurance is a home and car insurance scheme through which you can insure your property and vehicles against any type of unforeseen disaster such as fire, theft, lightning and wind. To guarantee the complete security of your property, you can opt for a policy that covers all your personal structures, including temporary provisions, thus guaranteeing total security and protection. You can opt for a seaport insurance policy for all types of properties; either a personal possession or a business possession. There are certain policies under which you can cover multiple homes in a single plan. Opting for such policies would be ideal if you own or rent a flat in apartments or a group home. With such plans, you could end up with slightly lower premiums by opting for specific coverage. Additional riders would be provided in a basic policy in exchange for an additional premium.

In addition to property, port marine insurance also has auto insurance products that cover both bodily injury and physical damage to the insured vehicle. However, while opting for auto insurance, you must have the vehicle registered in the name of the insured and it must be any vehicle within four wheels. Only claims in the name of the insured are covered. If the vehicle is driven by another person when contracting an accident, the insured cannot claim. However, you can cover yourself and your family members under certain plans as long as you opt in while executing a contract with the insurer. Nearly all Ocean Harbor auto insurance policies cover medical claims up to 80%, 60% loss of earnings, and replacement assistance coverage after an accident and death. All of these benefits will be provided only when you specifically opt in for them.

In addition to regular car insurance, there are certain comprehensive insurance plans from Ocean Harbor Insurance that are intended to provide coverage for the vehicle against any type of peril, such as fire, collision or any indirect damage to the vehicle. However, comprehensive insurance would be provided only for owned vehicles. Vehicles contracted or temporarily rented are not eligible for insurance in the comprehensive category. Opting for home or auto insurance is an art as well as a science. I wonder, why is it an art as well as a science? When choosing a policy coverage, you should do a certain amount of research to ensure that you will choose the one that will benefit you the most and, at the same time, be the most economical. Perhaps this exploration will help you articulate your needs and help you solicit passengers, thus making the act of choosing a policy an art.

Home Kitchen

Choosing kitchen countertops: practical and aesthetic considerations

When choosing a kitchen countertop, it’s easy to underestimate how many different factors you’ll need to consider to make sure the countertop you choose is right for you. Different materials have a variety of different attributes, from durability and ease of maintenance to hygienic qualities and heat resistance. Choosing the right one will largely depend on how you use your kitchen, but it’s also important not to ignore the importance of aesthetic appeal when making your choice. Since your new countertop will be a feature of your kitchen for years or even decades, it is essential that you strike the right balance between practical and aesthetic considerations.

But what are the specific qualities of the different countertops available, and how do you decide which one is right for your kitchen? Here is a brief summary of some of the most popular materials:

Wood

When it comes to kitchen design, nothing beats the versatility, variety and quality of solid wood countertops. Generally available in a wide range of different styles, shades and colours, wood surfaces bring a warm and earthy feel to the kitchen and are perfect for both modern and traditional designs. From a practical perspective, it is one of the most vulnerable materials to scratches, scuffs and stains, but this is balanced by the relative ease of repairing and maintaining the worktop. In addition, this material is hygienic and cost-effective, making it a good choice in every way.

laminate

Laminate countertops are sometimes derided as the “budget” option, but this would be to ignore the unique elements that laminate can bring to your kitchen aesthetic. Because laminates are hugely versatile in terms of finishes and effects, there is probably one for every conceivable type of kitchen design. This flexibility is enhanced by the durable and stain resistant nature of good quality laminates and the relative low cost of this type of material.

Acrylic

As one of the most expensive materials out there, acrylic countertops offer fantastic build quality and unparalleled durability. While perhaps one of the most limited options in terms of patterns, effects, and finishes, acrylics are generally available in a wide range of different colors, allowing you to install an offbeat and striking color bench in your kitchen that really causes an impact. However, in terms of practicality, few other materials are likely to retain their original quality to the same degree that sturdy acrylic does, meaning it’s a great long-term investment for any new kitchen.

So there you have it. Three of the most popular kitchen countertop materials, each with their own unique qualities that mean they bring something distinctive to a new or remodeled kitchen. If you’re still having a hard time deciding between them, try thinking in terms of your broader design needs. Do you prefer the rustic touch that solid wood would bring, or would subtle and elegant acrylic suit your more contemporary design preferences better? Matching your countertop to the kitchen doors of your choice is a great first step in figuring out how to achieve aesthetic harmony in your kitchen.

Auto

metal carport kits

Metal carport kits are the cheapest and easiest way to build a new carport. Kits come with full, detailed instructions and most can be built in a day or two using only the most basic household tools. These prefab carport kits are usually made from steel or aluminum and come with everything you’ll need to complete the building process.

In general, there are 2 basic types of metal carports. There are freestanding carports and carports that connect to your home or other structure. Within these 2 general categories of carports there are some subcategories that pertain to the type of roof. Carports that are detached carports tend to have sheds or gabled roofs. Carports that are attached to the house tend to be flat or single-sloped roof carports or sloped to carports. All types of carports serve specific purposes and none are better than the others.

Metal carport kits aren’t just used to protect cars these days. People are using carports for all kinds of purposes. These days, many metal sloping carports are used as awnings to cover front porches and side yards. It is only upon closer inspection that you even realize that these structures are actually carports. Metal carports attached to the house also provide great covered play areas for the kids. With the addition of a small fence, these carports provide the perfect sheltered outdoor play area for children.

Freestanding metal carports can be used as a gazebo or picnic area in your backyard or country house. If a double canopy is used, up to 4 picnic tables can fit under the roof. As an alternative, a few picnic tables plus a barbecue area would fit comfortably under a double canopy. The addition of a simple net or screen can keep mosquitoes away. With proper protection from the elements, outdoor gatherings can be held in any type of weather or condition.

Of course, it goes without saying that carports of all types and sizes can also be used to protect vehicles from the elements. Metal carport kits typically come in one or two car designs. There are also metal RV carports that are generally longer and taller than the average carport.

Good quality metal carports can last a lifetime and can really increase the value of your home. These carports can serve multiple functions and consequently can also really enhance the enjoyment you get from your home or the functionality of your home. Keep an open mind about the different ways a metal carport kit could benefit your family.

Digital Marketing

Create a Style Guide for Your Nonprofit – Avoid Audience Confusion

There’s never enough time when you’re getting communications out the door. But when two different spellings of the same word (both correct) are used in a membership drive, or the way your nonprofit is described varies from letter to letter within the drive, or your logo appears in different colors and different sizes in different places, your audience will be confused. The answer? Clearly defined style standards published in a style guide.

The problem

Due to the ubiquitous nature of advertising and promotion, we are all bombarded by communications. Facing this quagmire, you’re making it hard for your audiences to recognize, at a glance, that all your communications are coming from your organization. Remember, we are all scanners these days.

Furthermore, those who recognize that these divergent communications are coming from you are not likely to think much of your organization or your sloppy communication effort.

Consistency is the key for your audience to absorb your messages and for them to “whisper along the way”, repeating those messages to others. No other form of communication is as powerful as this natural network.

A style guide is a long-term solution

An easy way to ensure clear and consistent communications is to create a two- or three-page layout and editorial style guide. Everyone needs to be on the same page when it comes to getting the word out. The standards presented in your style guide will make it easy for them to do so.

A style guide will also make it unnecessary for you and your colleagues to reinvent the wheel each time, saving you a great deal of effort.

Action plan

Here’s a step-by-step plan approach to putting together or updating your style guide.

  • Spread sample communications in front of you, including the print pages of your website and your email newsletter.
  • Write down the standards that work best in the following areas. Keep your audience in mind when you do this. You will want information from communications staff or consultants.

Traditionally, style guides covered punctuation and spelling. I suggest you expand this concept to include graphic guidelines and key messages. In this way, you have a single point of reference to shape your communications.

  • Logo: Size; colors; position on the page; what elements should be included when using the logo.
  • Colors: Official colors, with exact Pantone numbers if possible (Pantone is a color numbering system used by designers and printers), and notes on how those colors should be used.
  • Words that should not be used.
  • Word style preferences (eg, website vs. website, grantmaking vs. grantmaking).
  • The title of the published grammar style guide your group uses: Communicate the title of the guide your writers should follow when deciding whether or not to insert that trailing comma, or select the correct preposition to follow the parallel word (to or with) . ).

Check out these titles, talk to colleagues, and select one if you haven’t already. The best picks are:

  1. The Associated Press Style Guide
  2. The Chicago Manual of Style
  3. Words in type.

  • Talking Points for Staff and Board – Key messages that briefly cover the who, what, when, where and how of your group, and how they should be incorporated into most communications.
  • Positioning statement: The two or three sentences that establish your position in the philanthropic world and how it should be included, together, in most communications.
  • Font (for example, all newsletter headlines are in Times Roman Bold, 14 pt.).

Put your style guide to work

Your next step is to distribute the guide and make sure staff and consultants are clear about its content. Remember to add to your guide on an ongoing basis as questions arise and preferences are determined.

Relationship

White House Pecan Pie

Over the James River and through the woods of Dinwiddie County to Grandma’s house we went for the holidays. the pecan pie only it was worth the trip!

My grandmother “Meme” found her pecan pie recipe printed on The rate of progress on Wednesday, February 26, 1964 and was said to be “Mrs. Landon B. Johnson’s favorite cake” (typo and all). The recipe is actually the masterpiece of Zephyr Wright, the Johnson family’s White House cook.

White House Pecan Pie

1/2 cup (1 stick) butter
1 cup of sugar
1 cup dark corn syrup
1/2 teaspoon salt
1 1/2 teaspoons vanilla
3 eggs
2 cups coarsely chopped walnuts
Unbaked fluted puff pastry in a 9-inch pie pan or plate

Let the butter rest in a covered medium bowl at room temperature until extremely soft. Add sugar, corn syrup, salt and vanilla; Using a heavy-duty handheld rotary beater or mixing spoon, beat until well blended. Add the eggs and beat gently until combined. Fold in the walnuts. To form puff pastry. Bake in a moderate oven (375 degrees) on the rack directly below the center rack until the top is toasted and the filling sets in the center when the tart is gently shaken, about 40 to 50 minutes.

The edge of the pastry should be golden brown and the bottom pastry should be a pale golden color. If the top of the pie gets too dark towards the end of the baking time, place a foil tent over it. Cool on a rack. If desired, serve with sugar-free whipped cream.

I make this cake every Thanksgiving and Christmas because it is absolutely delicious and brings back memories of vacations spent at Meme’s Farm in Ford, VA.

Enjoy!

Health Fitness

Circuit training with resistance bands

WHAT IS CIRCUIT TRAINING?

Circuit training is a method where a person will perform several different lifts in quick succession, usually done on numerous machines or simply with bodyweight exercises like push-ups and pull-ups. This form of training is great for building muscular endurance, improving cardiovascular health, and since it’s a high-intensity form of training, it also has incredible implications for fat loss. Almost anyone can benefit from circuit training, but as always, I suggest consulting with your doctor before beginning any high-intensity training regimen. With that being said, I would like to talk about an amazing tool that can be used almost anywhere you work out, be it a gym, a park, or even your own living room.

RESISTANCE BANDS

The options for circuit training are endless. Many gyms have complete circuit training rooms set up with machines, wall timers for interval tracking, and visual aid charts of where to go next. However, like any fitness program, your imagination is the limit when it comes to circuit training. While some may enjoy the structured feel of a gym, others may enjoy a more natural approach in a park using their jungle gyms. However you choose to train, I’m sure resistance bands will find a place in your gym bag, and here’s why:

  1. Versatility – Bands can be used alone or in conjunction with free weights. They can not only be used to add tension to exercises, but also to aid in exercises by acting as a trampoline or trampoline, to help overcome a troublesome lift like a pull-up. Not to mention, with several different sized bands all packed in a duffel bag, you can literally throw them in your trunk and head over to a friend’s house for a group circuit training session. Bands are also great for all ages, skill levels, or fitness goals – from yoga to weightlifting, resistance bands have their place!

  2. Variety: the spice of life. Maybe you do the same grueling workout every day, or maybe you’re tired of driving to your gym during rush hour after a long day at work. Well why not mix it up with bands? Again, your imagination is the coach – exercise bands are simply a tool you can use to keep your fitness life interesting and progressing.

  3. Affordable – Consider what you will spend over the next 6 months on your gym membership. Monthly fee plus tax, annual upgrade fees (I bet they have one), and maybe even an annual contract can add up in a jiffy. Chances are you can outfit your fitness arsenal with a set of quality resistance bands for less than a 3-5 month gym membership.

  4. Strength: From “toning” (which is basically a catchy word for building muscle) to lifting weights, everyone wants a more muscular physique. Unless you’re a marathon runner or lingerie model, chances are you prefer a little “meat” on your bones. But let’s face it: there is only one meat and the other is just fat. Resistance bands and strength bands have also been described for reasons that various studies have shown. Adding resistance bands to your routine, along with a solid weight training regimen, has been shown to dramatically increase muscle mass compared to free weights alone.

RESISTANCE BANDS SHOPPING

Here are some key points to consider once you decide if resistance bands are right for you:

  • WARRANTY — Several manufacturers have a lifetime warranty, and with good reason. Most resistance bands are made from surgical grade tubing, which is very stretchy and very strong, but in the event that one breaks, being able to replace it free of charge is awesome.
  • EFFICIENCY — Circuit trainers understand the need to be able to switch from one exercise to another quickly; That’s why most gyms with circuit rooms have everything set up in a circle for quick transitions. Look for resistance bands with carabiners or some kind of quick disconnect attachments like handles, door anchors, or ankle straps. This will allow for the addition or subtraction of more and/or heavier bands depending on the exercises.
  • ATTACHED FILES — As mentioned in “Efficiency”, attachments are crucial. Bands are great, but a single tension band with a built-in handle has far fewer options than a handle with the ability to attach multiple sized bands at once. In addition, the removable cuffs make leg and core exercises very comfortable and natural. Lastly, a simple door anchor can open up a wide variety of possible new exercises.

I hope the information in this article has helped you in some way and at least made you an informed shopper when shopping for fitness equipment. However, I encourage you to keep researching, the Internet is full of videos, articles, etc. that can give you a great idea of ​​the possibilities that resistance bands offer.

Legal Law

Exceptions to "at will" Firing an employee: avoid unfair dismissal

Anyone who has been “fired” from a job knows the misery that comes with it, especially if you have been working for the company for many years. While most states have an “at will” rule when it comes to firing, there are some exceptions. “At will” means that anyone can be fired at any time, even for no reason. In the face of a possible unjustified dismissal, it is necessary to know more about this rule and see if it was possibly illegal to be eligible and receive compensation.

Additionally, it is crucial to have wrongful termination attorneys who specialize in the field and can guide the employee. It can mean the difference between having a promising future with or without the company.

Do you have a contract?

First, anyone who has a written contract or other statement that offers a promise of job security has good reason not to be an “at-will” employee. Wrongful termination attorneys can enforce any written promise in court.

Implied promises

An implied contract that is based solely on what an employer tells the employee may be another exception to the “at will” law. Although it is difficult to test, but it can be a solution. Wrongful termination attorneys will consider:

• length of employment

• any job promotion

• positive performance reviews

• long-term employment insurance

• failure to warn if stated in a manual, or similar violations

Violation of good faith

This is another way an employer may have treated the client unfairly. Breach of a duty of good faith and fair dealing is a case where the court has found evidence of wrongful termination.

In some cases, they have fired or transferred an employee to prevent them from earning commissions, misled them when it comes to promotions or salary increases, or made up the reasons for the firing to replace the employee with someone who will have a lower salary. .

Public Policy Violations

Wrongful termination attorneys know that it is totally illegal to violate public policy by firing an employee. However, before a wrongful termination claim can be based on this, most courts have some requirements. Being fired for:

• Deny employees vacation or commission pay.

• Termination for taking time off for jury duty or voting

• Termination due to military service

• Complaint of irregularities

Discrimination

Discrimination is another great reason to hire wrongful termination attorneys. No employer may fire an employee on the basis of skin color, race, national origin, gender, religious preference, age, pregnancy, disability, or sexual orientation; even if you are an “at-will” employee.

There are special steps to take in the event of discrimination, so it is important to contact an attorney immediately.

Fraud

Believe it or not, there are many extreme cases where an employer’s reason for firing is so dire that they are classified as fraud, which is most often seen in the hiring process.

The hardest part of proving fraud is being able to show that the employer did the act for a purpose and planned to deceive the employee. Documentation is key and should include who, what, when, where, and why the misrepresentations were made.

character defamation

Hiring defamation wrongful termination attorneys is one way to protect the employee’s reputation and good standing within the community. In trying to prove that the defamation was related to the termination, the employee must show that terrible and false statements were made that would prevent the employee from finding a new job elsewhere.

In either case, the key is to line up with great wrongful termination attorneys and take notes. Having proper documentation of each occurrence can help a person save her career or secure her future.

Lifestyle Fashion

Caving in the Pinto Basin Turquoise and Gold Mines of Joshua Tree National Park near Palm Springs

I was about 12 years old the first time I ventured into the Pinto Basin, though I didn’t know what it was called at the time. It was the mid-1970s and I was just a kid brought in with my brother and sister while Mom and Dad were exploring the desert around Palm Springs on a sunny afternoon in a Toyota Landcruiser with their friends. I knew we were a long way from home. It felt as if we had traveled beyond the moon. The land had long ceased to be golf courses and city streets. Now it was just sand, rocks, hills, and occasionally weeds.

Dad and his friend, Lee, came across a group of low hills at one end of a long, barren valley in what is called Joshua Tree National Park. I knew a lot. I also knew, looking up the hill, that the well-worn road was rougher than anything my dad had ever attempted in his four-wheeler. But the need to see what lay beyond the ridge was too great. Rather than risk the car so far from help, we decided to hike to the top and look over the edge. There we saw the moved earth that marked a mine as excavated. So we walked the other way and found not just one mine, but three.

The first turned out to be the deepest and the most interesting. I backed up several hundred meters toward the hill it had been carved out of. At one point, you had to get down on your hands and knees to crawl through the hole remaining from a landslide from the past. Then you had to walk on an old wooden plank placed over a bottomless hole about eight feet or more wide. There was a rickety old ladder that stretched down forever on it. We dropped rocks into its gaping jaws to try to gauge its depth. We could hear the rocks hitting the sides of the hole a couple of times as they fell. But we didn’t hear anything in the background. The board was old, knotted and split. The hole could have been a mile long for all that freaked me out. But I crossed.

Further down the mine I found something so incredible that many people I tell you are hesitant to believe. I am not a geologist. I couldn’t spot a vein of gold if I had a neon sign on it, and that’s what the creators of this mine had been looking for nearly a hundred years ago when they dug it, I’m sure, but turquoise, no doubt about it. It is a deep, brilliant blue-green like all of them, even in its raw form. And right there on the wall of that mine was a line as wide as a man that ran from the floor to the ceiling of the cave, disappeared into the ceiling and ran under his floor.

Before we left that day, he had entered the mine for the second time, claw hammer at the ready and armed with a five-gallon paint bucket. I broke and scratched and ripped those things out of the hands of the mountains until my bucket was full and I brought it all home. he made a neat display in my room framed against a backdrop from my Star Wars album. The rest of the turquoises I gave as Christmas gifts, rocks the size of my fists and blue-green like the Pacific in Hawaii.

The other mines were fun, though not as great. One went straight down like the hole in the first mine. But there was no horizontal path to traverse. The other had an old train track still in place and a broken rusty ore wagon at the mouth of the cave, it went in only about fifty feet and then there was another ladder that went down about thirty feet to what looked like a landing. Since I was the youngest child, my dad chose me to go down the stairs, thinking that if he could hold me, no one older would try. I went to the bottom, but the landing led nowhere, it just ended with no way out.

We drove home that day in the dark with great stories to remember for the rest of our lives.

Fast forward over twenty years to the mid-1990s. I wanted to find it again, but for the life of me, I had no real idea where it was except on the other side of Joshua Tree National Park, and that was quite a desert through which he had to wander. Still, without a better plan, I got a map and divided it into sections. The first time I went in my Jeep Wrangler with only one of my children and my wife. We can’t find it. The second time we rented a Jeep Cherokee, because I had more children, we left the airport and found another section of the desert. No finds yet. But on the third trip, in a large rented four-wheel-drive Ford Excursion, with in-laws and an even larger family, we found gold, or turquoise, you might say.

As we headed down a dirt road that took me further into the desert than I could swear I’d ever gone before, I saw a set of hills in the distance with a rutted, worn road climbing over one of them. My skin shivered. We parked at the end of the road and I grabbed a flashlight, a hammer and a bucket, with a crowd of children and family behind me. At the top of the ridge I saw the moved earth from the first mine, and I came down and behold, at the bottom of the hill near it, there was a beat-up old Toyota pick-up truck, still running, and a small group of men dressed in worn clothes. Apparently others had also found the mine over the years.

Still, this was it, again. I went into the mine and crawled through the now even older cave-in, past the deep hole and the plank that spanned it, careful not to let my children do anything foolish near it. And when I got to the turquoise vein I was a bit, but not quite, surprised to discover that my vein had been mined. There were still some fragments left of what I remembered, which I cut out for old times sake. And I found some other blue-green pieces on the floor when I kicked up the dirt. But the main strip of turquoise had gone to other families, boys, who had also discovered it over the years. We had found the mine and I will never lose it again, it is embedded in my mind like some great destination in the middle of nowhere to go: my personal slice of the lost landscape of the Southwest complete with stories of buried treasure, just stories.

A few years after that, a friend of mine, Chris Shurilla, came to see me. He had some rappelling gear and we headed to the mine. We crawled past the cave-in and peered into the deep hole and the ladder that stretched down forever. There was an old wooden lattice built over the hole that I had so far overlooked, probably because I was always looking at where I put my feet and how close I was to the hole on my previous infractions. We tied ourselves to the beam, attached ourselves to the rope and threw two hundred meters of rope through the hole.

Chris wasn’t afraid. He swung across empty space and ZEEEE, ripped the rope apart at a frantic pace. I was cautious like a virgin bride on her wedding night, white-knuckling down the ladder one rung at a time even though I was bound and supposedly safe, secure. One of the ancient runs collapsed under my weight and I swayed into dead space. Chris laughed at me and yelled at me to hurry up. Once I coughed my heart out of my throat, I sped up my descent. When I caught up with Chris, he was dangling in midair from a larger chamber. The narrow gorge had opened up into a cavity some ten or forty meters wide. The ladder still stretched out into the darkness where it was crossed by an old catwalk supported by two-by-fours somehow attached to the seemingly distant walls of the cavern. It was like something out of a Stephen King novel. The cat walk ran into a dark side cavern at each end dug into the earth. Chris says faster than I can reply, “I’ll go check it out,” he releases his tether and trots across the ancient suspended planks in the dark light like a cat on a window sill.

“Chris, you idiot,” I yell at him. Those boards are probably a hundred years old. He comes bouncing under me without concern. “Oh, they’re fine,” she says. And while I wouldn’t swear to it, maybe it was just my fear going into overdrive, I thought I watched it bounce off them as a way of testing his mettle. If they had failed, I don’t know what he or I would do. “That end,” he said, jerking his thumb toward the hole he had just investigated, “only goes a few feet and ends in dead ends.” Then he went to the other side, disappearing into the darkness again, “This side too.” He came back and tied himself back to the line and we went down some more.

We had another 75 feet of cold drop before we got too close to the end of the rope for comfort. Chris was still hanging comfortably from the rope with no hands holding the endless ladder or the sides of the rock hole. He was still holding on to the ladder, for what it was worth, because despite his old age, he felt better than nothing. But seeing Chris hanging there and the empty blackness below him, we still knew we couldn’t go any further. We pray a stone from the side of the hole and drop it. Although we were 200 meters from the original starting point, the rock made no final sound as it came to rest. We did it again with another rock. We still couldn’t hear it hit bottom.

We went back upstairs and found that our wives and children were angry with us. We had been in that hole for several hours and they said they had been yelling at us after the first thirty minutes. All they knew was that the rope was still taut and occasionally swayed.

The entire Pinto Basin area is mine-literate. if you go out, you have a high chance of dying. I do not say this to be alarmist. but seriously: there are holes in the ground big enough to drive a car through and some of them are bottomless. There are caves going hundreds of meters into the mountains, passing holes and cave-ins and rotting supports and you’re hours away from help, even by car, if you have a problem. What if the car breaks down?

Do not go out unless you are experienced and prepared. Sometimes I can’t believe I did it as a kid and then did it again with mine and then did it again with a rope, repellent gear, and a fearless friend.

Pets

Czech Culture – Top Ten Czech Festivals in America

Whether you are of Czech descent or simply interested in Czech culture, you’ll be happy to know that there are several vibrant Czech communities spread across the United States. Here is a list of the ten communities with festivals that celebrate Czech culture…

Throughout the United States, there are numerous communities where people of Czech descent have settled for decades. Many of these communities celebrate this heritage with an annual festival that brings together people who enjoy music, food, and cultural traditions.

Each of the listed communities has an annual festival, with most lasting two or three days and taking place over a weekend. You can find more details about each festival on our website.

Here are our ten favorites:

Tabor, South Dakota: Usually held on the third weekend of June, this festival often draws 10,000 people, dwarfing the city itself. Tabor has a population of around 500.

Wilber, Nebraska: This central Nebraska community, not far from Lincoln, has an authentic cultural shopping district on its main downtown street. It was named the Czech capital of the US in 1987. The celebration usually takes place the last weekend of July or the beginning of August.

Victoria, Texas: About 45 minutes north of Corpus Christi, Victoria is a great little Texas town that celebrates both barbecue and its heritage.

West, Texas: Held in early September, this weekend celebration attracts more than 25,000 visitors and has been held continuously since 1976.

Wilson, Kan. Held the last weekend of July, you’ll find an authentic beer garden, beauty pageant, and lots of authentic food in this small central Kansas community.

Yukon, Oklahoma: This is a kind of Oktoberfest and it takes place on the first Saturday of October. Food, drink, music and entertainment abound.

Clarkson, Nebraska: This northeast Nebraska community hosts its annual heritage festival in late June. It is a three-day event that attracts visitors from several neighboring states.

St. Louis, MO: Held in April, this spring festival features cooking demonstrations, fashion shows, and hearty dining.

Lincoln, Nebraska: One of the most active heritage communities and the capital of Nebraska, this vibrant little town hosts a spring festival with an emphasis on music, crafts and authentic food.

Taborville, Ohio: Taborville is about 25 miles east of Cleveland. They hold a one day celebration usually on a Sunday in July.

The largest Czech communities in the United States are in central Texas, Nebraska, and the Chicago metropolitan area. The western suburbs near Chicago have some of the best Czech restaurants in the country, with authentic food, drink, and decor.

If we had to name our favorite Czech restaurant, it would be the historic Bohemian Cafe in Omaha, Nebraska, just south of downtown. In operation since the 1920’s, it doesn’t get more authentic than this! The portions are lovingly prepared, generous and inexpensive. If you’re visiting Omaha, this is a great place for lunch or dinner.

Real Estate

Top 4 Considerations for Buying Smaller Investment Real Estate!

Smaller investment properties often offer significant financial/economic benefits, in terms of creating a combination of asset growth, return on investment and a degree of security. However, this is true only if the buyer first fully understands what to look for and why. Different potential properties, have, vary, potential, for optimal performance, etc! While not everyone can consistently take care of, pay for, or get involved in large real estate deals/purchases, many more can take advantage of smaller properties, etc. These vehicles often include one to four families/units, houses, and while some offer attractive investments, others may not always do so. With that in mind, this article will attempt, briefly, to consider, examine, review and discuss, 4 important, significant, main/essential considerations and evaluations.

1. Cash Flow: Cash flow, when it comes down to it, usually refers to the difference between funds/income received and monthly costs. It is important to consider these conservatively, basing assessments, not on the highest potential rent-rolls, but on market-based rents and, no more than 75% occupancy (to avoid, a potential, effective – crushing, if there are interruptions, due to a variety of possibilities/contingencies). In addition, the investor must be careful to ensure that his personal cash flow is not affected by using too high a percentage of his reserves for start-up costs, building reserves, etc.

two. Area/ neighbourhood/ local market: Before you take the leap, carefully consider and assess local real estate market conditions and discover the rental market in terms of availability, demand, pluses and/or minuses. Get to know the specific area thoroughly and determine, if it offers, the best scenario for you and your priorities and purposes!

3. The 6% rule: Many pay close attention to what is often referred to as the 6% Rule, when it comes to purchasing smaller investment properties. This means that three quarters of a realistic rent-roll must reach at least a six percent profit. Expenses must include: mortgage-related expenses, including principal, interest, taxes, and security deposit; owner – utilities paid; repair; renovations; updates and reservations, etc.

Four. State of the property: Understand the existing condition of the property in question, and what, will need to be addressed, immediately, on an intermediate – basis, and in the long term. The reserve funds must be used and prepared for as many contingencies as are foreseeable, etc! On the other hand, do not be too influenced by the staging and overestimation of rental reels.

After more than 15 years as a licensed real estate seller in New York State, I am a firm believer in the possibilities and advantages of investing in smaller investment properties, but only when done with care. , and in a focused way! The smarter you proceed, the better off you will be!