Business

Get a loan for a new business Summary: understanding your options and the terms and requirements

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It’s no secret that business financing is not easy. Business loans carry a lot of risk for the lender, resulting in more stringent eligibility requirements. Although it is challenging, it is not impossible to obtain a loan for new business ventures.

It helps to understand the different types of loan options available. There is the small business line of credit, which generally has a limit on the amount of funds you can access, although it is useful for managing a business’s cash flow as well as unexpected expenses. There may be a fee to establish this line of credit, but there is generally no interest charge until you actually withdraw money from the funds.

There is also the working capital loan, which is essentially a debt lending vehicle used by the business to finance its day-to-day operations. Some of these types of loans are unsecured, but newer businesses with little or no credit history will have to put up some collateral.

If the main reason you need to take out a loan for a new business is for equipment, you may be interested in an equipment loan. Keep in mind that you will likely still need to make a down payment, usually around 20% of the purchase price. The equipment itself is the security in this type of loan, so if you can’t pay it all off, you’ll lose the equipment. The capital is normally amortized in periods of 2 to 4 years.

Get a New Business Loan for Specific Purposes

Small business term loans are those that are usually set for a dollar amount and are used for a variety of things such as capital expenditures, business operations, expansion, etc. The interest must be paid monthly and the principal must be paid between 6 months and three years. This type of loan can be secured or unsecured, and the interest can be fixed or variable. This is a good option for small businesses that need capital for growth or large one-time expenses.

There are small business credit cards available if your credit score is good enough. Interest rates vary based on your credit score, lender, card amount, etc. Many of the insurers require that the main owner be co-responsible with the company. On some cards, there are cash back and rewards programs.

Additional options include:

• SBA-Backed Loans

• Angel investors

• Crowdfunding (financing between peers)

• Direct online lenders

• Accounts receivable financing

It’s wise to research all of your options on how to get a new business loan. The best place to start is with US Business Funding. This site will help you get approved with flexible payment and term options. US Business Funding has many positive reviews and has been featured in Forbes, CNN Money, Inc 500 and other prestigious publications.

Home Kitchen

DIY home renovation tips

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Home renovations often increase the value of the property. This is one of the most common reasons why renovations are carried out, in addition to updating a home and adapting it more to your personal tastes. When it comes to renovations, some homeowners choose to use the services of professional contractors. Renovation projects can be very expensive, especially when you hire the services of a professional builder, interior designer, or other specialist. That’s why some people prefer DIY renovations, which can be more cost-effective, especially when you have the skills to do some of the chores. So, if you are thinking about DIY home renovations, here is a list of renovation tips that can help you refresh your home.

Plan

Having a plan for each step of your renovation allows you to renovate more cost-effectively, giving you the ability to budget accordingly before starting the project; a project outline will help during renovations.

Allocating funds from your budget is extremely important. Kitchens and bathrooms are big selling points in a home, which means you should spend most of your time and resources renovating those rooms. Often a fresh coat of paint or a new carpet can completely change the look of your bedroom and living room, and both are relatively inexpensive ways to upgrade a place.

If you’re looking to increase property value, talk to a real estate agent before starting renovations. Your real estate agent can provide you with information on which renovations are worth it and which ones will not make a profit. Plus, your real estate agent can provide you with current real estate trends so you can see which aspects of a home are attractive to buyers and which aren’t.

Improve instead of renew

Before you start the project, think about what you want and decide whether or not you should replace things or just refurbish them. For example, if you’re renovating your kitchen, ask yourself if you need all new cabinets or if painting or staining your current cabinets will give your kitchen the update you’re looking for. Plus, you can remove your current cabinet doors and put in new ones for much less than the price of installing a complete cabinet system.

cost

One of the biggest costs in renovating your home comes from the materials. By purchasing and transporting materials on your own, you can save hundreds of dollars. A contractor or other third party will charge you delivery fees among other hidden fees to pick up and deliver materials to your home. Plus, doing it yourself gives you the option to shop around and find items on sale or clearance.

The best way to cut costs is to go places and get second hand building material. If you can’t access used materials, head to larger thrift stores or outdoor stores that sell cheaper items.

Design

Creating a layout for your renovation is perhaps the most important aspect of the remodeling process. Use online resources to get an idea of ​​how you want to design things, and talk to professionals for expert advice and tips on how best to approach renovation and how to work with the space you have.

extra help

Some renovations will inevitably require the use of a contractor. If you’re not used to working with plumbing or cabinetry, it’s wise to invest in a contractor to handle those aspects of the renovation for you. The low cost of doing it yourself is gone, but not knowing what you’re doing can cost you a significant amount of extra money in the long run. If you must go the route of hiring a contractor, you can still get things done cheaply by doing smaller tasks yourself. For example, if you hire a contractor to handle your new kitchen, you can paint the kitchen yourself, which will save you several hundred dollars.

Consider these tips!

Before you start your renovation project, consider these DIY home renovation tips. Each will save you time and money on your renovation. Complying with them will help increase the property value of your home and maximize your profits by allowing you to see a return on the money you spent on the remodel, should you decide to sell your home.

Digital Marketing

5 Key Considerations for a Meaningful and Competitive Market Analysis/CMA

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Many people have heard of the concept of Competitive Market Analysis, or CMA, but often when it comes time to use them, they ignore some of the essentials, etc., to their best advantage. Great real estate agents realize that they can properly and effectively assist and assist their clients, when/if they use their knowledge, experiences, and professional insights to create a general mindset, for their clients, of acknowledging and accepting, a greater degree of reality, and using one of the main real estate sayings to your best advantage, Put a price on your house, right from the start! With that in mind, this article will briefly attempt to consider, examine, review, and discuss 5 key considerations for making these work more effectively for the owner, and what is involved in effectively, professionally, create a meaningful, CMA.

1. Thoroughly/objectively consider/examine the home and property in question: Many homeowners develop an emotional attachment to their homes and therefore overvalue what they think qualified prospective buyers might believe. A professional real estate agent will thoroughly and objectively examine what we refer to as the property in question (your home) and examine its strengths, weaknesses and how they relate to the area, the market, current times. , and recent past.

two. Strengths and weaknesses: How strong are the strengths of the house and how weak are its weaknesses? How could this affect the selling price? What does this house offer, others do not, and what does it lack? Is there a way to accentuate all the strengths and minimize, as much as possible, any and all areas of potential weakness?

3. To lease: Rent, rent, rent. This fundamental concept, and the reality of real estate, is one thing that cannot be changed! What might make the particular area, neighborhood, block, etc., offer potential buyers what they are looking for? On the other hand, are there ways to hinder the potential market?

Four. Recent Sales of Comparable Properties/Homes: When looking at past sales, it’s important to pay much more attention to the near past (last 3-6 months), rather than going back further. What did these houses have that yours doesn’t? What does yours have that they don’t? Be sure to only look at a very similar area, style of houses, similar sizes, etc when looking at these!

5. Currently on the market: Carefully review what is currently in the local real estate market. Develop a realistic and well-considered price range and price your home to sell it from the start by pricing it right from the start! Compare with those, in similar locations, same conditions, sizes, lot sizes, etc.

Hire an agent, who carefully explains why he is suggesting prices, at a specific price point, and his general marketing/selling plan. Never take a shortcut, when doing it right will make a significant difference in achieving your goals.

Relationship

Time to See the Doctor – Warning Signs of a Traumatic Brain Injury

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Suppose your spouse begins to act a little differently than normal. His speech is slower and he is often confused. Complains of being tired throughout the day. And the headache he first mentioned a week ago still plagues him. Then he remembers: just before these changes, he was hit in the head at the company baseball game. Could these symptoms indicate a serious problem?

The answer: yes. These and other symptoms may be indicators of a traumatic brain injury (TBI). Some of these injuries are minor and have no lasting effects. Others, however, can be serious and have a profound impact on a person’s life. Your best course of action if you notice someone’s behavior has changed in this way, especially if you know the person has suffered a blow to the head, is to contact a doctor.

Other warning signs that a TBI may have occurred include: memory loss, moodiness or mood swings, nausea, trouble sleeping (either too much or too little), sensory changes (hearing, seeing, smelling, tasting ), apathy or dizziness. In children, even infants or toddlers who cannot verbalize what has happened to them, it is especially important to observe these and related changes in normal behavior.

A TBI is caused by an external blow to the head that may or may not penetrate the skull. There may be no severe cuts or bruises from such bumps or blows to the head. This, however, does not mean that damage has not occurred. Common sense safety precautions such as wearing helmets when playing sports, not driving under the influence of alcohol or drugs, wearing seat belts, and storing firearms and ammunition safely should be taken to avoid traumatic brain injuries.

Many times, a minor blow to the head may have few or no symptoms and will have no long-term effects. However, being aware of these indicators and seeing a doctor soon after a head injury is a good precaution. It can make a big difference in a person’s recovery from a TBI.

Health Fitness

Museums and the man of the marathon

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Christopher Ingraham’s Washington Post article (June 13, 2014) says it all: “There are more museums in the US than Starbucks and McDonald’s combined.” Quite accurately we think of museums as important cultural and educational institutions; however, they are also silent superstars of the entertainment industry. According to the American Alliance of Museums (AAM), with more than 800 million live visits a year, its attendance exceeds that of all theme parks and major sporting events combined. But the museums of the United States are much more than popular and numerous; they are cultural and educational gems that play a vital role. They are community elders who tell the stories of our American neighborhoods. Mamie Bittner of the Institute for Museum and Library Studies (IMLS) stated in the Washington Post article:

“Many of these institutions, particularly in small towns and rural areas, are historical societies and history museums. We are in love with our history; at a very basic level, we care about the histories of our towns, villages and counties.”

The story of how I came to visit and admire so many small museums begins almost eight years ago when I was faced with a terrifying scenario. Diagnosed with prostate cancer, my doctor’s instructions were clear and forceful. “We figured this out very early on; we lost some weight, but by the end of the year we took care of this.” Taking care of this meant an operation or radiation. He was confident that any procedure would suffice; however, he was scared as hell. When you hear that diagnosis, “you have cancer”, a thousand things go through your mind at the same time, but somehow the whole world stops at the same time. What are the treatment options…I have to research each treatment…I have to research the surgeons…what if I don’t get it…what happens to my wife…what happens to my family …I want to get this out of me…how do you investigate this…I want this done before the end of the year…why me…why not me. My mind ran, ran, ran. Who do I tell? When do I tell them? Should I tell them? My mind was running, running, running.

It was June 2010. He was 54 years old, a teacher, husband and father. Earlier that year, my wife was hospitalized for 34 days. Should I tell my wife? Would this aggravate her condition? She was already worried about being unemployed. I tell him? Our three children were all in high school and doing reasonably well; the oldest would start college in the fall. Out of concern, would my oldest son give up his athletic scholarship to stay home with his sick parents? Even if he went to college, if he knew I was battling cancer, how would this affect him academically? Who should I tell? Do I tell my boys? Do I tell everyone? Didn’t I tell anyone?

I once heard somewhere that “we grow up and become our parents.” How true is that. Although it didn’t occur to me at the time, I had seen this situation before in 1969; I was 12 years old. One day my dad asked me to go with him to his doctor. This was weird; he had never asked me to go to a doctor with him before. We went to St. Nicholas Park, Mount Morris Park, Central Park, baseball games, museums, and grocery stores. On Sundays we walked to the newsstands to buy the New York Times and the Daily News. Then we’d come home and eat big Sunday southern breakfasts: roast chicken, roast pork chops, grits, gravy, and biscuits—never biscuits, always biscuits. We did a lot of things, but he had never asked me to go with him to the doctor. I should have known something was up, but I didn’t.

The appointment with the doctor took place early in the evening. The office was located on the first floor of an apartment building and it was dark outside. I sat in the waiting room while my dad had a private meeting with the doctor. That day his doctor told him that he had six months to live. My father, a tall, quiet, dignified World War II veteran, said nothing. We went home and he acted like nothing happened. He kept it all to himself. Yet twenty-one years later, and long after his doctor had died, my father was still alive. He didn’t tell anyone this terrifying secret for all those years. Finally, in 1990 he talked to me about what had happened that day back in 1969. When I asked him why he hadn’t said anything, he had a classic response: “Hell, I wasn’t going to die just to make the doctor look good.” . To this day I still don’t know if he ever told anyone else.

In 2010, 41 years after my father was told he had six months to live and said nothing to the family, I became my father, without the courage and dignity of a World War II veteran. At first I didn’t tell anyone. However, I listened to my doctor’s advice and started walking briskly to lose weight. I weighed 308 pounds. This was the beginning of a journey. Little did I know that it would transform my health, my body and to a great extent my soul.

I chose a robotic prostatectomy as treatment. Recognizing that I would be hospitalized for several days, I was forced to say something to my wife. Every married man knows that disappearing for several days without telling his wife is a guaranteed death sentence; cancer is only potentially lethal. We sat on the sofa in the living room on a Sunday around 7pm. It was the night before I was admitted to the hospital. This scenario gave him very little time to reflect on the matter; I had to be at the hospital early the next day. As I had feared, she broke down and started crying as soon as I uttered the word cancer. We agreed not to tell our children; we both thought it might cause them concern.

Fortunately, the operation was a success. No chemotherapy or radiation was required. Several months later I resumed my vigorous walking. Over time a routine developed. I prefer walking outdoors in parks (no matter the temperature) to treadmills and tracks, mornings are better than afternoons, warm-ups are 5-7 minutes, weekend walks are 45-50 minutes, sessions weekend sessions last a minimum of 90 minutes and finally, almost all sessions end with 7-8 minutes of stretching. I walk 4 times a week during the cold months and 4-5 times a week during the warm months, I also found a very reliable companion, music from the 70s, 80s and 90s. My partner also gets on fabulously with an old Sony Walkman. Who knows, maybe this companion is my subconscious whisper to remind me of long lost youth.

While I don’t claim to be a very religious person, being outdoors in parks (which are small forests after all) sweating, breathing, and among the general splendor of God’s nature is often a spiritual event. The cancer has been gone for almost eight years. During that time, 70 pounds have melted off and my diabetes seems to be gone, or at least well controlled. Along the way I began to participate in races; I do intense walks but I compete against runners. Half marathons (13.1 miles) and 10 km (6.2 miles) are my favorites. Being somewhat vain, before entering my first race I checked the times of the runners to make sure I didn’t finish last. At first I participated in local races. Later, a colleague, who is a runner, told me about the Philadelphia “Love Marathon” in which I competed. This led me to research breeds elsewhere. Now I travel to participate in races. However, traveling to different cities just to participate in a single race did not seem to be an efficient use of time and travel. I needed another activity to complement the races. This is how I developed an interest in small museums.

He had some experience researching museums. Years ago I began to explore museums as places of excursion for high school students. At the time, I oversaw a college program that offered various activities for at-risk high school students. The American Alliance of Museums (AAM) provided a wealth of information for our program. Later, when I started looking for museums in the cities and towns I would be competing in, AAM and several other museum-related organizations like the Institute of Museums and Libraries (IMLS) and Museums of the World (MOW) have become valuable. means. One fact that became immediately clear is that the United States is the undisputed museum capital of the world. According to MOW, there were an estimated 55,000 museums in 2014 located in 202 countries. IMLS (an American agency) states that there are 35,144 active museums in the United States alone. Assuming these data are accurate, more than 63% of the world’s museums are located in the United States. The 2012-16 IMLS Strategic Plan notes that “There are more than 4.5 billion objects held by museums, libraries, archives, and other institutions in the US.”

My articles will attempt to capture some of the fascinating stories, color, history, myths, and life that are at the heart of America’s small museums. I hope you join me. Coming soon wax, warships and a poet named Wadsworth.

Legal Law

How Nursing Home Liability Brought Sunshine to Retirement

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Spunky.

That’s the word you could use to describe the woman in her eighties who lives in the senior center. A few more adjectives would have to be added to do it justice. How about juvenile? Fun lover? Adorable? Life of the party? Holy? Yes, those and more could have accurately described Fay Sunnenshine.

But let’s start from the beginning.

When Fay’s children accompanied her on a preliminary visit to the senior services center, the intake staff had questions. Here was a smiling woman who clearly presented a fall risk. The claims control department had difficulty allowing her residency.

However, it was just as difficult not to allow her resident status at the nursing home.
“You have to get to know me,” Fay said, as the higher-ups voiced their opposition. “See my smile? I’ll make the entire population of Green Meadows Aging Center smile the same way!”

You needed an extraordinarily hard heart to debate that argument. So the professionals at Green Meadows checked with their insurance agency, who did their homework extremely well.

“Although Ms. Sunnenshine does indeed trend more as a fall claim risk, she has good coverage,” the agent said confidently. “She’s connected to one of the top insurance providers across the country. Use her guide to fall prevention and claims management and you should be fine with this new resident.”

Fay was admitted and sure enough, the atmosphere in Green Meadows began to change from calm to very lively! Fay’s joyous laughter filled the halls and dining room as she captivated her growing audience of wheelchair and walker occupants.

One remarkable story even put staff members in stitches, and illustrated the very stuff Fay was made of. Hailing from inner-city New York, Fay moved to a small town in New Jersey in her middle age. Used to defending her rights, as well as those of any innocent bystanders who happened to be within range of her and attacked by the local thugs, it seemed that no one could take full advantage of her. As a nasty type of thug thought he might have an easy time with little Miss Fay, she proved him dead wrong.

The would-be thief approached Faye and menacingly demanded the entire contents of her bag. Faye reached into it, pulled out a single five-dollar bill, and tossed it to the curb in disgust. “Here you, wretch!” she proclaimed. And with her purse in one hand and her head held high, she marched down the street indignantly!

Fay had little formal academic training. With her move to small town New Jersey, she revealed herself in community life and the babies she saw when her mothers went to work.

As time passed, Fay found it difficult to maintain the rigors of childcare. That didn’t stop those growing babies from being with her! On weekend afternoons, her living room would be filled with children, basking in Fay’s glow and enjoying Fay’s sweets…she seemed like she was a dear grandmother to at least everyone! half of the city!

The truism that nothing stays the same reared its painful head in Fay’s fantastical accounts of her life. Fay recounted that as her physical abilities weakened, she had decided it was time to move to the nursing home. She recognized how difficult it had become to keep the house. However, it was exciting for her to be among others. Here in the nursing home, she could make more friends…

“I like it here.” Fay would tell her fellow residents of hers and hers many of her, many visitors with the widest and sweetest of smiles. “I have my food. It’s really delicious, you know? I have a lot of friends. I love bingo and social life. And above all, I have my girls who come to see me…”

Fay was loved by everyone: the lonely who never had visitors, the sick who had her on a mission to get them what they needed or to call an orderly for help, and the staff who enjoyed her extraordinarily happy nature and her appreciation. for what they provided. For everyone at the nursing home, it felt like they had been presented with a rare gift in the form of sweet Fay.

One day in September just after a joyous moment at bingo in which everyone came out a winner due to Fay’s contagious brilliance, Fay fell to the ground. The orderly on duty rushed to her side. It was too late to do anything. Fai’s soul had been taken instantly and without warning.

On the day of his passing there was little to distinguish between residents and staff. Everyone wept for the one who had brought the sunlight into the nursing home.
As the hearse inched forward, the throngs of friends, residents, and nursing staff who had been privileged to witness Fay’s smiles, laughter, kindness, wisdom, and simple faith followed.

What distinguished personality had died for such followers to appear? Some unknown onlookers wondered. Unfortunately for them, the saint who had passed away could no longer be found in this world. Fai, the wonderful woman who had comforted so many with her kindness, now comforted those who knew her with her memories.

Lifestyle Fashion

Greek Yogurt: Your Blank Canvas for Healthier, Easier, and Delicious Meals

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Looking for something that’s versatile, easy to use, and can improve your health while saving you money? Sound impossible? Not when you have Greek yogurt and recipes on your side! Forget spending big bucks on those less healthy pre-made yogurt cups when you can use a container of plain Greek yogurt and your own recipes. This fermented milk product has beneficial probiotic bacteria, is lower in sugar, and provides protein for energy… but it has a “sour” taste that isn’t for everyone. That’s where recipes come in, because this creamy white food is your blank canvas for flavor and nutrition.

What is Greek yogurt?
It is the generic term for yogurt prepared by straining out most of the whey, making it thicker and retaining the ‘sour’ or ‘sour’ flavor. It’s naturally lower in sugar than regular yogurt and made with beneficial live cultured probiotic bacteria.

What Kind of Greek Yogurt Should You Look For?
Save money by selecting larger (not individual) containers of plain, unsweetened yogurt. You can take out as much as you need for your recipe or portion. Any brand will work, but look for ‘living cultures’ for maximum benefit. Avoid “Greek-style” because it may indicate added artificial thickeners, and avoid “fat-free” because the healthy fats in regular yogurt help you absorb nutrients. This sets up your ideal clean slate for recipes.

You need recipes.
Greek yogurt lives up to its reputation of being “sour” or “sour.” Simple Greek isn’t for everyone (maybe you’ve tried it before) and kids especially won’t pick it up. With easy recipes, you will be surprised how versatile it is. You can mix it up and make it undetectable, or have it as the star of the show, from sweet to savory to frozen and more. Most packaging doesn’t give any clues other than mixing in some ‘favourite fruit’, but that’s what the items are for: good ideas to get you started.
What if the recipes are so easy that you can get an entire one in just one sentence? If you’re meal prepping, you can try this one out for size. Leave the skin on and dice 1 sweet apple, then add to ¼ cup water, 1 tablespoon honey, 1 tablespoon raisins (golden or regular), 1 teaspoon chia seeds, 1/3 teaspoon cinnamon, 1 pinch of nutmeg and cook over low heat. stove for 8 minutes.
That’s it, that was the full recipe and instructions. Their yogurt topping is ready in 10 minutes and is so much better for you because it’s packed with fiber (apple peel and chia seeds) with no preservatives, no high fructose corn syrup or refined sugar, and can change the flavor simply by changing the type of apple. Since it’s made ahead of time, this makes 2 servings that you can store in the fridge so breakfast (or snack) is right at your fingertips when you put it in your Greek yogurt. (Add pecans for crunch!)

yogurt for health
Of course, there is the usual calcium for bone health and protein for energy, but everyone knows them. But what about boosting metabolism? “MedicalNewsToday” cites a study that suggests a high-protein diet can increase the number of calories you can burn in a day. Probiotics are also on the list, they’re the beneficial bacteria that help you digest food, flush out invaders (like harmful bacteria and viruses), and some of them even encourage your gut to produce serotonin, the chemical with the ability to reduce anxiety. . Forget the side effects, it’s time for the side benefits.

What don’t you have?
fiber. Greek yogurt is a fiber-free food, and many people don’t get enough fiber in their diet… So what can you do? Have a consistent mix. Anytime you look for Greek, look for chia seeds. Unlike this yogurt, they have zero flavor. No one can dislike them, and they’re packed with two types of fiber, plus their own protein, calcium, and omega-3 oils. The seeds are also very small, they won’t get in the way of your soup, sauce, popsicle, smoothie, overnight oats or spread. Cooked, raw, or frozen, when you combine this yogurt and chia seeds, you’re really on your way to healthy eating. Yet another benefit is knowing what the probiotic bacteria eat to thrive and continue to help you… that’s right, it’s fiber! You can’t digest soluble and insoluble fiber, but these little helpers can. When you consume both at once, it’s a double dose of nutritional power.

Because it doesn’t taste like chia seeds, you have to work with Greek yogurt before eating it. Luckily, it’s pretty easy to play with as you discover what you like best. It can go in pasta sauce for an extra touch of creaminess (same thing in soups), you can use it in salad dressings (with the added benefit of healthy fats, you’ll absorb more nutrients from the leafy greens, don’t forget ). fat dressings!), and just scooping a tablespoon or two into a smoothie is a snap.

However, it is usually not enough to simply “throw up some fruit” and try to eat it. It’s not regular yogurt, and you’re not going to convince any kids that way either. But that doesn’t mean you have to become a cook to be able to go beyond the shovel and the shakes. If you have a blender (of any kind), you’re on your way because you can add it to almost any homemade popsicle recipe to make them creamy. (Like a banana, this yogurt doesn’t solidify very well, resulting in a creamy texture.) Overnight oats are also a creamy, smooth-textured treat that’s ready for any busy morning.

This sounds too simple to taste as amazing as it is, but give it a “twist” in the blender jar: ¼ cup oatmeal, ¼ cup almond milk, 1 teaspoon chia seeds, ½ cup yogurt Greek, 1 frozen or fresh banana, 1 tsp vanilla, optionally ½ tsp cinnamon and let sit overnight, blend in the morning and enjoy. Of course, the mix can also be frozen in pop molds to enjoy later. If you’re into those pastel-colored smoothie bowls that are so popular on Instagram, Greek yogurt is a great way to achieve the hue you’re after, as well as the consistency to keep the ingredients classy.

Recipe keys:
Where the Greek yogurt is fully blended is usually the best place for it. If you’re adding fruit, it’s best as a somewhat runny ready-made dressing, or all mixed up like in the recipe examples. This prevents too much of the tart flavor from ending up in one bite. The best way to combat sour or ‘sour’ flavors is with natural sugars in fruits such as bananas, raisins, pineapple and berries. In fact, you can have a delicious breakfast or snack by blending ¼ cup Greek yogurt, ¼ cup pineapple slices (fresh or frozen), about 4 fresh or frozen strawberries, and a splash of non-dairy milk in a blender. DIYing fresh or frozen fruit at home saves you from the really unhealthy levels of sweeteners that companies add to their ‘fruit yogurt cups’. These days, what you leave out of the recipe can be just as important as what you put in… when it comes to better health. With the guidelines and tips laid out in this article, let the Internet be your goldmine for ideas to suit your tastes and preferences. When you know in advance what is likely to work/taste good, you can pick and collect winners to try in the kitchen at any time.

Pets

3 easy steps to educate your puppy at home

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When I was a kid, we just didn’t have dogs or cats in the house. My parents were firm believers that these creatures belonged outside. Those were basically the thoughts I adopted as well. So when we got my own place and our dogs, they stayed outside according to my long tradition. But as I got older I thought it would be nice to have a small dog to sit on our lap while we relaxed on the couch, a little companion. The only problem was, how do you train this fellow? I thought this was a no brainer, I would only get one that was already trained. So we did, we adopted a dauschund, or as my daughter likes to say, a “dachshund” in need of a new home. So we got this idiot who was already house trained and it worked, well okay, not great. Fortunately, there weren’t TOO MANY crowds in the house. Sometimes a dog that is housebroken and moves to a new home likes to mark his territory. In the end, we gave that dog to an older couple because he just wouldn’t join our family. It was a failed experiment.

A few years later we tried again. A friend was moving away to college and couldn’t take her small dog (a dauschund again) with her. This one did pretty well. I’m not sure he ever relieved himself in the house, so with THIS dog our plan worked. It used to amuse us the way she would dance on the doorstep whenever she needed to go out. Then a couple of years later, my oldest daughter asked us if we wanted a pug. One of her in-laws had a male and a female pug that were about to have puppies. I thought to myself, “you know, they’re so ugly they’re cute,” so I told her we’d take one. At that time, I didn’t really think about the topic of house training. I guess I thought we’d cross that bridge when we got to it.

Then a couple of months later our little pug, Truman, arrived. Now came the difficult part. How do we teach him to take care of his business outside of him? After a week or two, we were getting tired of the masses in the house, so I started looking for ways to get this dog to behave! I remember being told to stick my nose in his mess and slap them on the butt saying “no” very firmly. I had also been given a few other tricks that were sure ways to correct our situation. Trust me, none of them worked. But it didn’t take long until we discovered a method that worked and fixed the problem. It was our oldest daughter who gave these few tips. Once we found what worked, our problem was fixed within a week. This is what I recommend:

  • The first and most important thing is to get a doghouse or cage.. You can get them relatively cheaply at many department stores. The crate should be big enough for the dog to sleep in, but no bigger (if you’re training a puppy, just be sure to take into account how big the dog will be when fully grown, otherwise it will overgrow ). box). I started locking my pug puppy in the crate every night before bed and then taking him out first thing in the morning. Crate training is effective because a dog will not relieve himself in his sleeping compartment. One good thing about a crate or kennel is that the dog has a place of his own. Our pug actually seems to like her kennel, climbing into it himself almost every night (although we don’t think it’s necessary to lock him up in it anymore).
  • Second, take the dog out first thing in the morning.. It is important that you send the dog outside immediately after letting him out of the crate each morning. It usually doesn’t take long for most dogs to figure it all out (although I’ve heard that Jack Russell Terriers can be difficult to housebreak).

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  • Lastly, if your dog messes up, clean it up right away and give it a good clean.. Your dog will most likely have a few “accidents” along the way, especially early on. But don’t lose hope, house training is only a few days away! It’s important to do a thorough cleaning job and try to remove any residual odors, as the dog could smell what he did and think that’s the place to do his activities.

So that’s basically it. The three keys we used to homeschool our puppy worked perfectly. Give it a try, I’m sure you won’t be disappointed. As I mentioned, Truman was trained in about a week and has been steady for over a year.

Real Estate

Personal Property vs. Real Property: Understanding the Difference and Avoiding Lawsuits

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let’s take a look at personal property how does it compare to royal property. This is a topic that comes up a lot when a real estate transaction gets complicated and the two parties (buyer and seller) start arguing about what stays in the house and what doesn’t according to the contract and the law.

personal property is defined as all property that can be owned and does not meet the definition of real property. In other words, if it is not real property, then it is personal property. An important distinction between the two is that chattels are chattels. Personal property is also known as personal property. For those of you who like to work on expanding your vocabulary.

Below, let’s look at some examples of personal property, including manufactured homes, plants, crops, and accessory classifications.

prefabricated house is defined as homes that are not built on the site of origin. These are normally trucked in and placed on the property. For those of you parsing the word manufactured and wondering why not all homes are considered manufactured, since they are “manufactured” after all, think of mobile homes as manufactured. Here is the tricky part, if the manufactured home has been attached to the property then it is REAL property, if it is just there and connected to utilities then it is PERSONAL property. Why would it matter? well, if it’s a REAL property, then property taxes are higher because the government sees houses as essentially adding value to the land they sit on.

Plants and Crops: There are two categories here and both have their differences. Trees, perennials, shrubs, and grass that do not require annual cultivation are considered real or immovable property. And these are transferred with the sale of the property. Crops, on the other hand, that are harvested annually, are considered emblems. Or personal property and in the sale of the property, the crops that are being produced stay with the seller for that current crop.

Here are some additional details… if an item on the land, say a tree (which is real property) is cut down and separated from the land (called a detachment), then it becomes personal property. It is also possible to do the same but in reverse. If the tree that was cut down is used to build a house on the property, through annexation, it becomes real property.

Accessories – these are often the hot topic in a home sale because sellers often take their fixtures with them when they move in, and that goes against the agreement in the contract. Knowing what a fixture is will help you understand what to expect to keep with the home and what not to. An accessory is personal property that has been affixed (attached) to the land or building and becomes real estate. Remember that real estate stays with the house when it is sold.

How do you prove if an item is an accessory or personal property? Here are the three basic tests the court will use to decide.

1. Annexation Method – How permanent is the attachment method? Can the item be removed without damaging surrounding property?

2. Adaptation to Real Estate – Is the item used as real property or personal property? For example, a refrigerator is typically considered personal property because it can be easily removed. However, if the fridge has been adapted to match the kitchen cabinets, it becomes a fixture.

3. Agreement – Make the parties agree if the thing is real or personal in an offer to buy.

The general rule is to determine, what is the purpose of the accessory? Its function is to be a movable or immovable property.

Business accessories are the exception to the rule. A business accessory is property used in the course of business. Often it will be attached to the property and will resemble real estate. However, if it’s something used as part of the seller’s trade, it’s considered personal property and you don’t get to keep the house.

Often home buyers will be looking for houses and what will attract them to the house will be certain aspects of the house. Fixtures like entertainment centers, backyard gazebos, and surround sound speakers are often considered fixtures and real estate that will remain in the home. However, a homeowner may consider such items to be of great value and may be planning to bring them into their new home. It’s very important to identify what accessories you want and expect to stay in the house and put those items in the purchase agreement so everyone is on the same page and on the same page from the start.

Shopping Product Reviews

Nokia 7373: Nokia’s Love Collection

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Tea Nokia 7373 can be known for its distinctive and glamorous design in the mobile world. The 7373 comes in a choice of two colors, which is either a tan black casing or a pale pink casing. The user can see the screen when the phone is in the swivel open or swivel closed position. The screen will display up to 262k colors on the 2-inch QVGA screen with a screen resolution of 320 x 240 pixels.

The 7373 comes with 128 Mbytes of internal memory capacity and the phone has a built in MicroSD(TM) memory slot. The Nokia 7373 feels good to hold and has a solid weight of 104 grams which gives a quality feel to the phone. The mobile phone comes with a battery installed that will provide the user with up to 2 hours and 30 minutes of talk time and approximately up to 250 hours of standby time.

Tea Nokia 7373It comes with a multimedia messaging service that allows the user to create, receive, edit and send videos or images with text and sound. The user can create an audio message by simply recording their own voice and sending it to a compatible audio messaging device. Your phone supports standard text messages that support picture messages and comes with a text message distribution list.

the glamorous Nokia 7373 It comes with video ringtones that give the user a visual effect as well as great sounding ringtones. The user can use the voice features to make a simple voice recording that can act as a reminder or a voice memo. The user can set up a voice dialing feature for those contacts who are called constantly, making it easy to call contacts with a quick voice command. The Nokia 7373 comes with a built-in digital music player that can play popular music formats including MP3, AAC.

The phone comes with high quality images with the integrated 2 megapixel camera feature complete with an 8x digital zoom feature. The user can take still photos, record video clips and play back videos on their Nokia 7373. The phone comes with a dedicated camera button that is easy to access and allows the user to take a quick photo in an instant.

So enjoy the features of the Nokia 7373 mobile phone…

Nokia 7373