5 Important Things for Beginner Aquarists to Know

Today I wanted to write about what I wish I had known when I wanted to become an aquarium hobbyist. This applies to both saltwater and freshwater aquariums.

1. Take your entrance into the hobby as slowly as possible. Don’t be scared to dive in, but do as much research as you possibly can by using books, the internet, and other hobbyists with good reputations. Take extra care to only take advice to heart from people other people trust, that also aligns with literature or websites that others agree with. You must also decide what direction you want to take the tank, but make sure it is before you begin purchasing equipment. Do you want a reef tank? A predator tank? A freshwater cichlid tank? There are tons of options to bring joy to your home. Once you have done your research, you can set up an aquarium!

2. Learn about the nitrifying bacteria cycle. People who completely take all the water out of fish tanks and clean filters with tap water are doing the exact opposite of what they are supposed to. This applies to not only saltwater, but also freshwater as well. As waste is added to an aquarium, this is called ammonia. It can be added through the use of fish food, but it is also excreted through fish themselves. As ammonia builds up, without good bacteria to convert this ammonia to nitrites, it quickly becomes toxic and is the number one killer of fish. Once the aquarium’s beneficial bacteria forms naturally, it then turns the nitrites into nitrates. While nitrites are less toxic, they remove oxygen from the water. This is why they also need to be converted naturally to nitrates. Nitrates are the least harmful and can only be bad for fish in very large quantities. By only taking out 25% of the aquarium water and replacing it with clean water that has been dechlorinated, you do not shock the fish or beneficial bacteria. This bacteria can take 4-6 weeks to form if it is not seeded from another tank and this ‘nitrifying cycle’ can be very hard on your fish. Delicate fish will not survive. The bacteria lives all over your aquarium. This can be in the gravel, sand, filter, and water column.

3. Test your water. Test strips are cheap and easy to use, to look for elevated levels in ammonia, nitrite, or nitrate. The remedy or these situations is simply feeding less, removing some fish if the tank is over a couple months old and levels are still high, or doing partial water changes. I recommend to all my customers that they change 25-35% of their water every 2 weeks. This will dilute nitrates down in the water by removing them. It is not a necessity, but it is a major preventative in keeping fish healthy. If bad water does not outright kill a fish, it weakens their immune systems and this is where sickness can kill the fish.

4. Control your feedings. Most people I have come in contact with in the aquarium maintenance industry follow the instructions on fish food containers and majorly overfeed their fish leading to deadly water and tank crashes. Feed a small pinch of food daily except for one day of the week with no food. Let the fish eat all this food in 30 seconds without it going into the filter, and if the fish appears skinny slowly ramp up the food amounts. This way the beneficial bacteria can multiply to compensate.

5. Research everything before you buy it. I cannot count the number of tank crashes and large humpbacked fish because the buyer did not do any research. Find out if your tank can create an ethical and healthy environment for your fish or coral, such as having enough room for them to grow to their specified healthy size. You and your livestock will be much happier and less stressed with ample space and filtration.

Thank you for taking the time to ready my article. I have been in the aquarium industry for over 6 years and it is currently my primary profession and hobby. I believe with these five things, you are on the path to succeed!

Removal Chewing Gum – Carpets, Furnishings And Clothes

Chewing gum can be a real pain when it gets stuck to clothing, furniture or carpets. My tips below will help you get rid of this common pest.

When gum gets stuck to clothing the following method can be applied. Firstly, scrape off as much as you can, the less there is the faster you can remove it.

The reason why gum is so haared to remove is because at room temperature it becomes gooey which makes it a lot more awkward and stubborn. To counter act this state you need to place the garment into a plastic bag and then into your freeze, leaving it to cool for 30 minutes.

When you have done this remove the said item from the freezer and the bag and scrape it off, this should me most if not all of the gum. If any remains then use methylated spirit to get rid of it.

Obviously, when chewing gum gets into your carpets or furnishings you can not put them into the freezer. Instead you need to improvise. Place ice cubes onto the affected area, in order to harden the gum and then just peel it off. As above, if any remains then use methylated spirit to get rid of it. This method has been personally tried and tested by me before you have my assurance that it does work

There you have it, you now know how the get rid of nasty chewing gum. No more unsightly marks caused by chewing gum, what a relief.

DIY Carpet Cleaning Tips: Ways To Clean Your Carpet Without Putting A Dent On Your Pocket

Making the time to clean up your carpet on a regular basis will help prevent any unsightly carpet stains or any embarrassing cargo carpets from developing. For someone who totally dreads the look and smell of dirty carpets do not worry, there are simple carpet cleaning strategies you can do yourself at home in order to keep your carpet clean, smelling good, and free of stains today.

To keep your carpets clean, you do not need to spend a fortune, simply follow these basic tips:

Vacuum your carpet regularly.

In order to keep your carpet clean, free of stains, and smelling new, you have to vacuum it on a regular basis. If left unclean, hair, dirt, and other grime can accumulate in your carpet and can result in further damage to it. Dirty carpets can pose a health risk for persons with allergies, so keeping it clean at all times will safeguard your entire family.

Immediately wipe clean all spills on your carpet

Wiping and cleaning all spills on your carpet right after it happens will prolong the life of your carpet and will certainly keep it clean and stain free. In order to do away with smelly odors or hard to remove stains on the carpet, clean spills immediately. Take some paper towels to remove the mess then blot the excess before cleaning the carpet any further. Exercise caution when taking the food dirt, or animal waste off of the carpet so as not to rub it into other areas.

As soon as any solid waste has been removed, clean the spot using tap water. With the help of paper towel or clean cloth, clean the area following a circular motion, moving clockwise, as well as counter-clockwise to ensure that any traces of stain or dirt is completely removed. Do not attempt to harshly scrub the carpet as this can harm the sensitive fibers of your carpet.

Go for mild carpet cleaners

In case plain water has failed to do the trick, dilute a small amount of mild bleach in water together with a small amount of liquid detergent (go for bleach mixtures that can be used on colored fabrics and test in an inconspicuous area such as inside a closet-DO NOT USE BLEACH ON NYLON OR WOOL RUGS). This mixture will help remove the remaining stubborn stains. But, if the carpet stain is not entirely removed by the said solution, go for a mild chemical stain remover for carpets. You have to choose the milder solution, because we all know how expensive expensive carpet fibers are, we want the stain removed but we do not want our carpets damaged.

Utilize chemical cleaners in moderation

Use them in an open or well ventilated space as much as possible, and always wear protective gloves when applying them. Just before you apply that chemical cleaner onto your carpet, test a small portion of it on a hidden spot to make sure it will not discolor or damage your carpet. If it does not, then proceed to use it. Wipe clean the spot following the same gentle and circular motion. Rinse well with plain water afterwards and blot dry using a clean cloth or rag. You have to ensure that no amount of water stays on the carpet to preclude any mold and mildew growth.

If these DIY carpet cleaning tips will not do magic on your floor carpet, all you have to do is give the nearest carpet cleaning services a call. Contrary to popular belief, commercial carpet cleaning services do not needarily have to be expensive. Actually, the expenses you will incur to get all the mess cleaned up and done for you is well worth it.

Although cleaning your carpet on your own sounds cheaper, it would be more convenient and fast if you engage the services of a carpet cleaner to do the cleaning on your behalf. They have all the skills, expertise, and tools to make carpet cleaning as fast as possible without further damaging your carpet. By doing it yourself you tend to incur more damage which will end up causing you more expense.

How To Turn Spam Into MLM Website Traffic

I'm sure you have placed an ad or two in the free classifieds before today but … did you do the right way? Are you using spam to help boost your website traffic?

1. OK, let me explain

Free classified ads are easy enough to find, simply go to any search engine and put in "free classifieds" and place your ad in as many sites as you like.

Most classifieds ask you to put in your email address for responses. Do not use your normal address, get an auto-responder.

Use the auto-responder address in your ad. Your auto-responder instantly sends out your pre-accused message to those requiring more information.

2. But what else happens to your ad?

Basically two things; responses from interested persons and spam from spammers. The advantage of an auto-responder is this: From your free classified ads your auto-responder address will most likely be harvested onto spam lists by email gathering software. Which is a good thing !?

Now every time someone spams your auto-responder address they will get your auto-responder message advertising your website, opportunity etc. Spam lists in turn get on other spam lists that ever get sold to real people using real addresses believing them to be opt in lists.

If you get sick of the spam mail being redirected to you by your auto-responder, you can have your auto-responder messages directed to a dead address.

3. Dealing with classifieds

Now let's say you've decided to put in five classifieds a day. What I recommend you do is; each time you get to the page where you enter your ad details that you copy the URL to that page and keep it filed on your desktop. After one month of doing this you will have about 150 URLs that take you directly to the ADD YOUR POST page of 150 qualified sites. This will also give you a speedy advertising system.

Simply cut and paste the ADD POST URLS you collected to an email and send it to yourself. Then all you have to do is click on the URLS and you'll be taken directly to the ADD POST of each classified. With this system you may now add your ad to 10 sites per day as things are a whole heap faster.

4. Bring in the robot

You'll soon be sick of typing or pasting your name into each classified so to cure that there is a free form filling robot that you should use. By clicking or pasting in the following URL and hitting enter you can now download the form filling, password protecting robot.

Your personal password will stop others from accessing this great little robot. You'll never have to remember passwords etc again.

5. Tracking outstanding classifieds

If you want to know which classified sites are pulling the most prospects you can key each ad with a number. Eg "Website Hosting Now MLM, for more information put" Free 22 "in the Subject". Just remember to put the same number next to the URL you saved from that web page so you can tell which site is attracting the most people. You can probably think of other ways to track ad responses. Tracking is important because you'll be able to concentrate on the more responsive classifieds and discard the rest.

Also make sure your ad title stands out amid the crowd eg

****** $$$$ MLM HOSTING $$$$ ******

Also put in a few key words at the end of your ads as some sights run like a search engine. eg mlm, money, etc.

Now when you see spam in your inbox and notice that they sent it to your auto-responder address you'll appreciate it. It also saves you time sending your message back to them as they already have it. Those high tech spamming robots now work for you, free of charge. Read on:

To Replace or Repair Your Windshield, That Is the Question

In the past, when your windshield got some cracks or chips, you had to replace it immediately. Fortunately today, through modern technology, windshields with damages such as these can still be repaired. This allows car owners to save their windshield as well as their money, which they would have spent on a replacement.

However, there are also some limits to the most technically advanced glass repair systems. When a windshield gets severely damaged, it needs to be replaced with new glass.

To repair or to replace the windshield

To know whether a windshield has to be repaired or replaced, the size, site and extent of the damage need to be considered. Most repair shops can fix cracks as long as 3 inches and chips that are the size of a quarter. If the damage goes beyond these sizes, the windshield will require immediate replacement.

There are a number of facilities that allow the repair of cracks measuring up to 1 foot. Therefore, it is best to look around before proceeding with windshield replacement.

Another important factor to consider when choosing between repair and replacement is the site of the damage. When the windshield acquires cracks at its edge, these can easily spread and affect the glass' structural integrity. When they are seen right away, these can still be repaired. In a major of cases, though, it would be best for the windshield to be replaced.

Keep in mind that there are a number of facilities that do not repair chips that are directly in front of the driver's field of view. Repairing chips on the windshield can cause some small distortions in its glass. Instead of compromising the driver's vision, some shops would rather opt for a windshield replacement.

No matter how big a crack or chip may be and where it might be located, it must be repaired right away. When you wait too long for this, dirt can find its way to the area that has been damaged, and this can have an effect on the efficiency of the repair. Damages as a result of accidents and other major impacts can go beyond repair. In these cases, the windshield needs to be repaired.

The cost of repairing a windshield

The cost of repairing chips in the windshield is, more or less, the same across the country. It costs $ 40 to $ 50 to repair a single chip and an additional $ 10 for every extra chip.

The price of repairing cracks is just about the same, but when the crack is more than 3 inches, this requires a costlier treatment.

The costs of replacing a windshield costs much more and varies, depending on the vehicle. Aside from the price of the windshield, the total replacement costs include the molding kit and the labor of installing it.

There is a difference between the price of dealers and independent glass shops. This is because they use different kinds of glass. It is common for dealers to charge more because of the Original Equipment Manufacturer (or OEM) windshield. The kind of glass is the exact same one that was originally installed in the car.

Independent glass shops charge less than dealers because they use windshields coming from suppliers that are non-OEM. Nonetheless, they are made of glass that is similar to OEM windshields in terms of quality, clarity and safety. Non-OEM glass should conform to the safety standards just like OEM glass, if not exceed them. Whenever windshields are replaced, every glass shop advises the use of sealers and adhesives recommended by OEM.

Best Places to Have Your Windshield Repaired or Replaced

There is a variety of options with regards to the repair or replacement of windshields, based on your specific requirements.

Automotive glass specialists

Facilities such as these are experts in repairing and replacing automotive glass such as windshields, rear and side windows. They try to exhaust all efforts to repair and save the windshield before they consider replacing it.

Windshield repair facilities

These are nationally franchised shops that only do windshield repair jobs, such as fixing chips and cracks. They do not replace windshields.

New car dealers

If your windshield has to be replaced, you can go to your local dealer and let them install an OEM windshield. Lots of dealers sub-contract mobile glass services and they do on-site windshield replacement. There are times when dealers also offer non-OEM windshields.

Mobile services for repairing and replacing glass

Instead of going to a facility to have your windshield either repaired or replaced, you can get these services conveniently at home or work, where your vehicle is parked.

General glass services

Aside from repairing and replacing automotive glass, they offer other services like the installation of residential and commercial glass.

Insurance Coverage

Almost all companies that offer automotive insurance cover the replacement and repair of windshields. However, since windshield replacement costs up to ten times more, there is a difference between the coverage of repair and replacement.

When your windshield is replaced, you will be asked by your insurance company to pay the deductible while they pay the cost of replacing it.

The deal is better when your windshield is repaired. Since the cost of repairing a windshield is more affordable than replacing it, a number of insurance companies are willing to forgo your deductible and at the same time, pay for the full repair.

With this kind of arrangement, more customers are encouraged to have their windshields repaired rather than replaced every time they get small chips or cracks. This means careful savings not only for you, but your insurance company as well.

However, if your windshield badly needs to be replaced, do not hold back. Have a new one installed. It is difficult to see through a damaged windshield and this can make you prone to accidents. The damage may have affected the glass' structural integrity and when this is not replaced immediately, this could further weakened.

To know whether your windshield needs to be repaired or replaced, it has to be carefully examined by a certified glass specialist. In addition to this, before agreeing to any windshield service, verify your coverage terms with the help of your insurance agent.

How windshield repair works

A windshield is repaired by injecting a special resin to the crack or chip by means of a tool attached to the glass. The moment it is injected, the resin is cured then polished. This restores the glass' durability and clearness.

When a windshield gets chipped or cracked, this spreads to the innermost layer of plastic that comes between two glass sheets. There are times when a drill is utilized to create a clean path towards the plastic and the damage is repaired by injecting the resin into it.

Repairing a windshield, just like first-aid, is a preventive measure that keeps losses from becoming worse. The results may be almost flawless in some cases and slightly blemished in others. Whatever the case, windshield repair can effectively prevent the damage from becoming worse.

Chips are different from one other, so some of them will have a better response to glass repair than others. However, a windshield that has been repaired will not be as clear as a newly installed one.

Colorful Key Holders – An Idea For Handmade Home Decor

There exist a number of things in our daily lives that are so ordinary that they often border along the lines of being underestimated. These are things that we can live without from time to time, or consume and breathe regularly. Yet, as soon as one of them goes missing, it has a definite colossal effect on our lives as we are left wondering how we are going to move on without their presence. A keychain holder is a great case in point; after all, keys are an essential part of our daily existence!

Keys hold access to compartments, stockpiling zones, and workplaces- areas where you are likely to find exceptionally ordered data being stored. Neverheless, some of them are so small that they can easily get lost and you will not even notice until it is too late. In no uncertain terms, a missing key can have severe ramifications not only at a particular level but on general business operations as a whole. The best way to counter this pending mishap would be to have holders in strategic locations so that you never miss one at critical moments.

Here are some DIY ideas for colorful holders online that will add an element of grace to your home interior and décor.

DIY Vintage Key Frame

A favorite holder for many, this one resembles a picture in many regards with the keys being the stars amidst this wonderful setting. The best way to make it is with a vintage frame that has small hooks to support the keys. With a few minute's time in hand and some nice hooks and frames, you can easily make it. Hang it up on the wall like a picture and have a key holder support at hand every time you come in or leave home.

Car key magnetic switch plate hooks

This magnetic plate hooks makes use of magnets since it has been found that most keys are capable sticking to a magnet. This is placed along the light switch to make it a whole lot easier for you. Simply enter the house, flick on the lights, and bring your keys close. The powerful magnet will do the rest for you!

Funky DIY Key Holder

Funky DIY key rack idea will not require much effort to complete. This is set on a simple wooden board with decorative paper glued on to it, making for a very colorful appearance. The best part is that the piece of wood allows you to place an image of your choice on it. Simply print it and glue it on, attach the hooks and a hanger, and never again will you miss your keys while heading out for work.

Lanyard Key Holder

With this, you are assured of something that is going to last ages. It is widely used by a number of people for various purposes. This homemade key holder is something very few readymade products can favorably compare to. All you will need is a few strips of colorful and differently patterned fabric and attach some hooks at either of its ends. A delightful new vividly colored key holder will be ready for use.

What Is Bitcoin and Is It a Good Investment?

Bitcoin (BTC) is a new kind of digital currency-with cryptographic keys-that is decentralized to a network of computers used by users and miners around the world and is not controlled by a single organization or government. It is the first digital cryptocurrency that has gained the public’s attention and is accepted by a growing number of merchants. Like other currencies, users can use the digital currency to buy goods and services online as well as in some physical stores that accept it as a form of payment. Currency traders can also trade Bitcoins in Bitcoin exchanges.

There are several major differences between Bitcoin and traditional currencies (e.g. U.S. dollar):

  1. Bitcoin does not have a centralized authority or clearing house (e.g. government, central bank, MasterCard or Visa network). The peer-to-peer payment network is managed by users and miners around the world. The currency is anonymously transferred directly between users through the internet without going through a clearing house. This means that transaction fees are much lower.
  2. Bitcoin is created through a process called “Bitcoin mining”. Miners around the world use mining software and computers to solve complex bitcoin algorithms and to approve Bitcoin transactions. They are awarded with transaction fees and new Bitcoins generated from solving Bitcoin algorithms.
  3. There is a limited amount of Bitcoins in circulation. According to Blockchain, there were about 12.1 million in circulation as of Dec. 20, 2013. The difficulty to mine Bitcoins (solve algorithms) becomes harder as more Bitcoins are generated, and the maximum amount in circulation is capped at 21 million. The limit will not be reached until approximately the year 2140. This makes Bitcoins more valuable as more people use them.
  4. A public ledger called ‘Blockchain’ records all Bitcoin transactions and shows each Bitcoin owner’s respective holdings. Anyone can access the public ledger to verify transactions. This makes the digital currency more transparent and predictable. More importantly, the transparency prevents fraud and double spending of the same Bitcoins.
  5. The digital currency can be acquired through Bitcoin mining or Bitcoin exchanges.
  6. The digital currency is accepted by a limited number of merchants on the web and in some brick-and-mortar retailers.
  7. Bitcoin wallets (similar to PayPal accounts) are used for storing Bitcoins, private keys and public addresses as well as for anonymously transferring Bitcoins between users.
  8. Bitcoins are not insured and are not protected by government agencies. Hence, they cannot be recovered if the secret keys are stolen by a hacker or lost to a failed hard drive, or due to the closure of a Bitcoin exchange. If the secret keys are lost, the associated Bitcoins cannot be recovered and would be out of circulation. Visit this link for an FAQ on Bitcoins.

I believe that Bitcoin will gain more acceptance from the public because users can remain anonymous while buying goods and services online, transactions fees are much lower than credit card payment networks; the public ledger is accessible by anyone, which can be used to prevent fraud; the currency supply is capped at 21 million, and the payment network is operated by users and miners instead of a central authority.

However, I do not think that it is a great investment vehicle because it is extremely volatile and is not very stable. For example, the bitcoin price grew from around $14 to a peak of $1,200 USD this year before dropping to $632 per BTC at the time of writing.

Bitcoin surged this year because investors speculated that the currency would gain wider acceptance and that it would increase in price. The currency plunged 50% in December because BTC China (China’s largest Bitcoin operator) announced that it could no longer accept new deposits due to government regulations. And according to Bloomberg, the Chinese central bank barred financial institutions and payment companies from handling bitcoin transactions.

Bitcoin will likely gain more public acceptance over time, but its price is extremely volatile and very sensitive to news-such as government regulations and restrictions-that could negatively impact the currency.

Therefore, I do not suggest investors to invest in Bitcoins unless they were purchased at a less than $10 USD per BTC because this would allow for a much larger margin of safety.

Otherwise, I believe that it is much better to invest in stocks that have strong fundamentals, as well as great business prospects and management teams because the underlying companies have intrinsic values and are more predictable.

Disclosure: Victor Liang has has no positions in Bitcoins and has no plans to change his position in the next 72 hours.

Dell OptiPlex 3050 Guide: A Look at the Different Towers, Configuration Options, and Hardware

Many of Dell's OptiPlex desktop computers are now available in different sizes. Consumers do not have to be stuck with giant heavy towers that take up a lot of floor or desk space. If you have been eyeing the Dell OptiPlex 3050 series, for instance, you'll find that it is now available as a small form factor unit as well as a micro tower.

The price does not vary too much, regardless of which size you choose. What matters more than that is what kind of hardware you want it configured with. How much memory do you need? How powerful should your processor be? What about graphics? Dell makes it easy to configure all of their PCs – especially desktops.

The idea behind these desks is to offer a versatile solution that can help businesses evolve their needs with the right services and technologies. That said, they can be easily used as personal computers as well. No matter what you want to use your 3050 for, you can expect reliable performance without any compromises. It will also be easy to access the inside should you need to switch out hardware or add more, thanks to in-band management and tool-less serviceability.

The Intel Core i5 processor (quad-core / 6MB / four-threads / up to 3.4GHz / 65W) 7500 unit provides a good amount of power and supports both Windows 10 and Linux. The OS desktop comes with Windows 10 Pro version (64-bit) that is compatible with English, Spanish, and French.

Dell OptiPlex 3050 Upgrade Options

Additional (base) specs include 4GB of DDR4 memory (2400 MHz), a 500GB hard disk drive (7200 RPM / 3.5-inch), Intel integrated graphics (HD 630), and an 8x (9.5-mm) DVD +/- RW optical drive. Expand the memory up to 32GB and increase the storage capacity. For something faster than an HDD, you can add an SSD.

If you choose the SFF or Micro version of the Dell OptiPlex 3050 tower, there are options for a stand and display (sold separately) so you'll be able to set up an all-in-one system for versatility. If an all-in-one setup is not for you, there are vertical stands and a VESA mount available so that you can mount the tower itself under the desk or on the wall. An adapter bracket is included with these mounts for managing power cables.

Stay connected to the internet with unhindered data transfers, and expect smooth connectivity with DisplayPort technology, variety of USB ports, HDMI, and optional serial port or VGA.

Whether you want the SFF or Micro tower, the Dell OptiPlex 3050 has a lot to offer in terms of security, speed, and reliability. It's a must have for business use as well as personal use.

Once you've decided which tower you want to purchase, the next step is to look into Dell OptiPlex 3050 coupon offers to learn how to get a good deal on this computer. You can always count on Dell deals being available for organizations and personal consumers alike.

How To Find More Home Mortgage Refinancing Clients

I remember before the 2008 Housing Crash that nearly everyone who did not have a job was suddenly a mortgage broker. Everyone wanted to get in on all the home owners wanting to refinance. Buyers were everywhere, and everyone was making money until they were not – and we all know what happened after that. Now we see the Federal Reserve is raising interest rates, and it is starting to take a huge bite out of the mortgage business.

What can you do to keep your home mortgage business in the green? How can you continue to find people who still want to re-fi now at the higher rates? Believe it or not, it's not impossible – you just need to focus on your marketing and take it to a higher level. Below is a sample marketing piece to look at and think on. Great for email marketing, webpage, social media, brochure, mailing piece or 2-minute radio spot.

— — — — —


Is your current mortgage interest rate too high? Would you like to pull some equity out of your home for your kid's college, to buy a car, for renovation, or to pay off other debt? There are many reasons to refinance with need being specific to the borrower's financial situation and desires.

Re-Fi's can often be stressful, as lenders want to know all about you and your financial wherewithal. But it does not have to be a hardship. This is why we are upfront in explaining all the needed pieces of verification before you start. This way there are no real surprises at the last minute, which is a common complaint from borrowers refinancing their properties. Often a lender might need an additional piece of verification to shore up any doubt, but most of this is predictable.

You see, before loan-committees meet there is someone who goes through all the paperwork prior to presentation, these quality and paperwork masters know what's going to fly and what is not. Sometimes the loan committee may say, "Okay, if we have verification of this, then it's a go, and we all sign off on the deal." Remember every institution or organization has their own bureaucratic processes, and this is how things work. If you prove you are a reduced risk, you get the best rate. It's all about:

1. Credit Score
2. Income
3. Debt
4. Personal Funds

We have been doing this long enough (30-years) to predict such potential futureities. Yes, when it comes to re-fi's experience pays off.

We can help you with streamline refinancing through FHA or the VA if you are a veteran. The USDA also offers a refinance program. If you want to renew your existing home, you may refinance or get a second mortgage. If you want to buy a home and renovate it – fixing it up, you may qualify for the FHA 203 (k) Rehab Loan program.

You have options, and we have solutions – we get it – and we'll get the deal done for you.

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Why not tinker a little with your marketing communication strategy, consider how you can get your message out, before you end up like many of your competition – out-of-business. Please think on all this.

How To Choose An Interior Designer Or Redecorator

What types of professional interior designers are available?

Have you heard of Interior redecorators? These professional interior decorators transform your home using things you have accumulated over the years. The end result is a balanced, harmonious space that reflects the personality of the people who use it. Many interior designers have added this service to their repertoire. Alternate terms for professional interior designers specializing in interior redecorating are interior redesigners, interior arrangers, interior stylists, one day decorators, visual coordinators or interior refiners.

What is a Certified Interior Designer? (from B&P Code Section 5800,5538)

A Certified interior designer is a competent design professional who is qualified to design, prepare, and submit any type of nonstructural, non-seismic interior construction plans and specifications to local building departments. Certified interior designers have demonstrated through education, experience, and examination their knowledge of the Uniform Building Code as it relates to space planning, life safety, flammability, and disabled access code issues. Most interior designers have a minimum four-year education. Many have Master of Interior Design degrees or other additional education in architecture or interior design. Interior designers who have many years experience may not have a Bachelors in Interior Design, but usually are well educated and have many years of qualified experience. All qualified interior designers will indicate that they have passed the NCIDQ (National Council for Interior Design Certification) examination and/or are registered/ certified/ licensed in their state.

How do Interior Decorators charge for their services?

Flat Design Fee: The client pays a flat fee for the professional interior designer’s services based on the design plan, time required, and scope of services.

Hourly Rate: The interior decorator bills a negotiated rate per hour.

Cost Plus Method: Professional interior designers charge a set percentage on all merchandise purchased and tradesmen’s services rendered.

Mixed Method: The client pays both a set percentage on purchases and a base design fee for hourly rate.

Per square foot: This method is used especially in new construction.

What to ask at the first meeting:

o Ask to see the interior designer’s portfolio, but remember that the designs reflect other people’s tastes,¬ not necessarily the interior decorator’s, and possibly not your own.

o Ask what size projects the interior designer has worked on, where, and what was the budget range.

o Ask how the established budget will be handled, and the kind of payment schedules the interior decorator requires.

o Ask about the types of services the designer can provide.

o Ask for a list of references.

What you may be asked at the first meeting:

It is a good idea to prepare for your first meeting with a professional interior designer by creating your own folder of clippings from magazines, catalogs, and books of design ideas that appeal to you.

You may also be asked some or all of the following questions:

o For whom is the space being designed?

o What activities will take place in the space?

o How long do you plan to occupy the space?

o What is your time frame for completing the project?

o What is your budget?

o Are you relocating or remodeling?

o What image do you want to project?

o What colors, style, and effects do you like?

o What are your objective and lifestyle needs?

o What is the approximate square footage to be designed?

If a professional interior designer, or anyone, for that matter, tells you the process is easy, stress-free, and will be complete in two weeks, they’re either lying or stupid. Don’t hire that person.

BDSM Protocol – How to Successfully Present Yourself to a Pro-Domme (Dominatrix) In Six Simple Steps

A Pro-Domme, also called a Dominatrix or Mistress, is a professional who engages in BDSM activity with clients. These clients take on the submissive role (or “bottom”) during a session. Typical activities engaged in may include: dominance and submission (D/s), sadomasochism (S&M), fetish play, bondage, and discipline. While BDSM activities are highly charged both emotionally and sexually, sex is not included in the services of a Pro-Domme.

Many clients present themselves to a prospective Mistress in an unfavorable way, which results in them not being given that precious opportunity to serve. Sometimes clients can find a Pro-Domme who will session with them, only to discover that the so called “Dominatrix” is inexperienced or lacking in skills. As the saying goes, “a good Domme is hard to find.” This difficulty in finding a Mistress often occurs due to the submissive’s naivete or because he possesses a “Dive Bar Attitude.” However, by following six simple steps when approaching a Pro-Domme, it is highly unlikely that a prospective client will not be given an opportunity to serve a professional.

What is a “Dive Bar Attitude?”

Many prospective clients present themselves to a Pro-Domme inappropriately because they possess what I’ve termed a “Dive Bar Attitude.” When a person goes to a dive bar, they do so with certain expectations. They expect to be served. They expect to have their thirst quenched. They expect to get drunk without paying a lot of money. They expect that, other than their payment, they will not be required to provide anything to the proprietor. This is the WRONG ATTITUDE when approaching a Pro-Domme.

Think of approaching a prospective Mistress as having more in common with an outing to a new, fashionable club. There’s preliminary legwork that must be done to prepare (such as making a reservation, or learning what the dress code entails). The establishment wants a certain type of clientele because the club’s clientele is a reflection of the club. And because many people want to experience the club, the proprietor can be picky about who gets in. Once inside the club, the visitor’s main expectation is to simply experience the club. The goal is not cheap drunkenness. Instead, it’s to experience the whole ambiance of the club, to relish the very experience of it, and to enjoy drinks that are expertly prepared. It’s a premium experience that is being sought, and it’s not bargain priced.

Knowing this, how should a client tailor their approach to a prospective Mistress?

As a wise person once said, “You never get a second chance to make a first impression.” Pro-Dommes are approached by numerous prospective clients. Many of these men fall victim to the Mistress’ delete button. Because so many who approach us are time wasters who regard us as masturbation fodder, we have no choice but to discard the e-mails of those who exhibit insensitivity or lack of social awareness. If you properly introduce yourself in that first communication (presumably an e-mail), you will stand out from the crowd and you will please the Domme.

So, keeping in mind the exclusive nature of sessioning with the best Pro-Dommes, and knowing that you must make your very best impression in order to earn the opportunity to serve a Mistress, what protocol should a prospective submissive follow?

Step 1: Do Your Research

You most likely found the Mistress through her website, so read it! Read every word; don’t just perv on her pics. Her website is a reflection of who she is. It will tell you her interests, her likes and dislikes, and (most importantly) how she likes things done. It is basically a virtual version of herself. It is her domain. I repeat, read every word.

Step 2: Exhibit Self-Awareness & Honesty

Someone who is self-aware makes a good client. Know what you want, and know what you are capable of delivering. There is a big difference between fantasy and reality. It may make a good fantasy to envision life as my 24-7 slave, a slave that will do everything I say without question. But please don’t waste my time with your fantasy unless you actually: 1) truly want that, and 2) can provide that. If you have a day job as an attorney or a CFO or an engineer, I don’t think you’re going to be giving that up anytime soon. Don’t waste my time with your masturbatory fantasy. Just keep it to yourself, please. What I would like to know is what you can truly offer me. If what you can offer is a client who would like to session with me every couple of weeks… perhaps because you enjoy bottoming watersports (feel free to insert your favorite fetish here) but don’t have a woman in your life who is into that, THEN SAY THAT! That type of communication shows self-awareness and, hey, it’s honest. Honesty makes a Mistress happy.

Step 3: Don’t Be Creepy

No, of course you’re not creepy, not in your regular life. You’re normal. You have a normal job, a normal family, normal friends, and normal hobbies and interests. Most likely, you probably even have a pretty normal sex life. Please don’t take this opportunity while communicating with a Pro-Domme to suddenly turn into a strange incarnation of yourself. Don’t be a troll, and please don’t harass the Mistress. Approach her as you would any business professional.

Step 4: Be Respectful

Address the Pro-Domme how she wants to be addressed. Some Mistresses want to be called Mistress or Goddess or another title. Other Mistresses prefer NOT to be addressed that way by strangers. If you have read the Mistress’ website completely, she most likely specified how she would like to be addressed.

Send a photo if the Mistress requested you do so, but don’t send graphically sexual photos. If she wants these, she will request them when she is ready for them.

Step 5: Begin Building a Connection

Don’t give empty compliments. Most Dominatrices have an extremely good bullshit meter. Do show her that you are interested in her specifically. What is it about her that attracted you? Begin to also share some personal information about yourself: a physical description, career, location, marital status, whether you have a car (that can be important when considering service submissives, especially). Also, be sure to include the times you are most often available for sessions and, of course, your contact information.

Step 6: Present Yourself Favorably

In your e-mail, put your best foot forward, but also be yourself- the most respectful version of yourself. Every Mistress will have personal preferences regarding the type of submissive with whom she most enjoys playing. You can’t be who you aren’t, so be who you are. Don’t grovel and don’t beg. This generally makes most Dominatrices want to vomit. Try approaching her as a man with respect for himself and respect for all women.


By following the above six steps when approaching a Pro-Domme, you will demonstrate to the Mistress that you are sincere, respectful, and would make an enjoyable, interesting submissive. You will find your success rate with the most desirable Pro-Dommes will increase. You will also find those first few sessions with your new Mistress will be even more enjoyable for both of you.

Knife Sharpeners – A Handy Tool For Any Home

A knife is one small object that helps with many tasks, especially in the kitchen of the house. Probably one can not make do without a knife in the kitchen. Ask your wife and she will nod in affirmative. A good knife helps the user in performing the task of cutting and chopping with great ease and with minimum effort. The tasks are also finished in very little time if the edges are sharp. It is when the edges become dull that users start to have problems when cutting or peeling with their knives. More pressure needs to be executed while performing a task and this may cause injury to the user. Is in times like these knife sharpeners come in handy.

It is not everyday that one goes to market in search of knives. They are today made of steel and have a long life. But they do get blunt over a period of time with constant use, and one needs to take help of knife sharpeners to make the edges sharp again. This process takes a very little time and the knife is at its best again. The market is full of lots of options when it comes to sharpeners, but the most popular are the electric knife sharpeners because of their ease of operation and the quick results they produce.

Electric sharpeners are available in all shapes and sizes and one can choose according to its requirements. They are power driven which means the user does not need to put in any effort to sharpen the edges of the knives. They are available in many models with small to high powered for commercial use; you can even find electric knife sharpeners on the tables of butchers. These sharpeners have a diamond cutting surface, which means that making the edges of knives sharp is very easy with them as diamond is the hardest known substance and does not leave any blunt edges. After sharpening with these sharpeners, the edge of the knife is soft and smooth but very sharp to perform any task in the kitchen with utmost efficiency.

Electric knife sharpeners are made of a very tough material and they retain their looks even after prolonged and constant use in the kitchen. They are durable and one needs to invest to reap the benefits for a very long time. They are so good at sharpening that they can even sharpen a new knife which has just come out of the factory. It is only when one uses these electric sharpeners that he realize their effectiveness.

A Guide to Penis Pain and Kidney Stones

The thought of penis pain can be quite troubling for any guy. In most cases, penis pain is quite fleeting. It often comes from a source a man knows well, such as excessive masturbation, rough sex or even an infection that can be cleared up with antibiotics. Good penis care is often enough to get a man back on track.

But the pain of kidney stones is a whole other beast. Though kidney stones can cause pain and pressure in all parts of the midsection, they can cause serious penis pain as well, especially during the time the stone is actively passing out of the body. Here’s what a man needs to know when he is confronted with the pain of kidney stones.

What are kidney stones?

If a man suffers from certain medical conditions or simply doesn’t drink enough water, the minerals in the foods he eats can collect in the kidney, where they form tiny stones. These stones might be in the kidney for years and never cause any problems. However, when they do begin to migrate, they do so by moving into the ureter. This is the thin tube between the kidney and the bladder.

Often the kidney stones are too big to pass through the ureter, so they become stuck there. This can lead to serious pain in the side and back, as well as other areas of the midsection.

Why do they cause penis pain?

Sometimes a man will suffer what is known as referred pain. This happens when the kidney stone lodges somewhere, but the pain is felt somewhere else. For instance, a kidney stone that lodges in the ureter might actually lead to testicle or penis pain.

Penis pain from kidney stones might also be more direct. This can happen when the stone is passed. It must go through the penis to get out – it is usually expelled during urination – and it might occasionally lodge in the shaft. This can lead to penis pain that won’t be relieved until the stone is gone.

What can a man do to ease the hurt?

Kidney stones are no joke – in fact, many people consider the pain to be worse than even the pain of childbirth. At the first sign of serious pain, most people who have on their way to the hospital to figure out what’s wrong.

Kidney stones can be removed in a few ways. The doctor will first order x-rays, CT scans or ultrasounds to find the figure out how big they are. Some are too big to pass; in that case, they will be broken up by sound waves. Some doctors will choose to use a scope, inserted into the urethra, to pull the stones out. And in serious cases, surgery will be required.

In almost all these cases, a man will first be offered significant pain medication for immediate relief. (Hear that? It’s a big sigh of thanks from men everywhere!)

Avoiding kidney stones

To avoid kidney stones in the first place, a man can drink plenty of water, at least 60 ounces each day. He should also avoid sodas and other carbonated beverages, as these up the chances by 23 percent. Interestingly, drinking more coffee and orange juice might stop the stones from forming.

Whenever a man is dealing with penis pain, it is a good reminder to exercise the best possible penis care. A specially formulated penis health crème (health professionals recommend Man 1 Man Oil, which is clinically proven mild and safe for skin) is a great way to ensure the penis skin is always smooth and supple. Applying it every day can also help a man remember to examine his manhood quite carefully on a regular basis, so he can spot problems that might arise. Look for a crème with powerful ingredients, including vitamins A, D and C, as well as amino acids to keep the penis as healthy as possible.

Penis Sensitivity: The Role of Vitamins

The degree to which a man enjoys a sexual experience is directly related to the amount of penis sensitivity he has. When the penis is capable of registering intense sensation, a man’s sexual activities are as fulfilling as can be. But when there is a dullness or deadening in the manhood, sex is considerably less rewarding. Ensuring good penis health, which includes delivering the proper vitamins to the member, plays a significant role in maintaining penis sensitivity.

Loss of penis sensitivity

To a teen-aged male, it may seem incomprehensible that his penis could ever experience less than intense sensations. The slightest touch, especially on an erect penis, sends shivers of delight throughout the body during adolescence.

And that’s understandable. After all, the nerve endings in the penis are highly sensitive and primed to respond. But they may not always stay that way.

Loss of penis sensitivity can occur for a number of reasons, including major physical trauma. However, the most common reason for a penis just not feeling as good as it used to is simple rough handling, often occurring over a fairly long period of time.

For example, many men employ a “death grip” on their penis while masturbating – an overly tight grasp. Some men engage in partner sex without proper lubrication. Both of these situations may cause a loss of sensation. So can frequently “going commando” – deciding not to wear underwear, leaving the penis to rub against rough fabrics like denim.

Skin and cells

In all of these situations, friction and wear and tear go to work on the penis (and especially the ultra-sensitive nerves in the glans). Two things generally happen. First, the excess friction causes tiny, thin layers of scar tissue to start to build up. Over time, these layers form a “buffer” between the nerve endings and the source of stimulation, causing de-sensitization. In addition, the nerves themselves experience some damage which prevents them from operating at maximum efficiency.


Clearly, it’s important that a man takes sensible steps to prevent this loss of sensation, such as using sufficient lubrication during sexual activities and protecting the penis from excess exposure to rough fabrics and surfaces. But it also pays to make sure that the penis is getting its proper share of vitamins.

In particular, the penis can benefit from the following:

– Vitamin E. Keeping the penis skin well moisturized helps to prevent damage from excess friction; in addition, dehydration itself can lead to toughening of the skin, which affects penis sensitivity. Vitamin E is one of Nature’s most effective moisturizing agents.

– Vitamin D. Like vitamin E, vitamin D aids in natural skin hydration. In addition, vitamin D possesses antioxidant capabilities which help to strengthen penile cell metabolism and maintain the health of cells, making them hardier and less prone to damage.

– Vitamin C. Sensitivity is also related to the proper flow of blood to the penis. Vitamin C works to keep blood vessels healthy, which in turn aids in improved delivery of blood to the manhood.

Delivery of vitamins

A man concerned about penis sensitivity should make sure he gets the above vitamins via the regular use of a top-notch penis health creme (health professionals recommend Man1 Man Oil). Why a crème? Because of its topical application, it can deliver those vitamins directly to the penis itself. But there’s another reason: A really good crème will include other important ingredients that can interact with those vitamins for a synergistic health effect. For example, a crème that contains acetyl L-carnitine and L-arginine “doubles up” the crème’s penis sensitivity power. Acetyl L-carnitine is a neuroprotective ingredient that helps preserve nerve sensitivity. And L-arginine is an enzyme which is involved in the creation of nitric oxide, which, like vitamin C, helps improve blood flow to the penis. So for the man interested in keeping his penis well-sensitized, a crème like Man1 Man Oil is best.

Hotels In India

With India being a major world tourist in the world, availability of hotels is not such a problem. However, every tourist in India, local or foreign, would do well to plan his trip in advance to enable him to find a hotel that most suits his needs.

There are a number of questions to be answered before finding the right choice of hotel for your India trip: What are your individual interests and inclinations? Are you looking for a relaxed holiday in India, maybe on a beach or hill station where you can recharge your batteries? Or is your holiday incomplete without the adrenaline that companies rushing off cliffs and plunging into raging torrents? Are creature comforts of the hotel paramount to you or do you dig the seclusion of a log cabin in the woods, with all the hardships that it entails? Again, are you one who falls for five star glitters or is an elegant hotel with old world charm more to your taste.

An important consideration while choosing your hotel is budget. Are you prepared to spend a premium for style to match or are you 'doing' India on a shoestring?

While planning your India trip, consider where your hotel will be located. As they say, it's all about "location, location location." For instance, if you have specific interest in India, say a wildlife reserve, it makes sense to stay as close as possible to it rather than book a hotel at a distance and spend time and energy commuting. Again, does your itinerary demand a central location or would you prefer a hotel in a choice setting with fabulous views?

These are some of the hotel options that might be available to you in India.

Five Star Hotels in India: Often owned by prestigious names in the Indian Hotel industry such as the Taj or Oberoi, these offer the ultimate in terms of comfort and excellence in service. While most of the important chains do have hotels in major Indian destinations, hospitality here comes at a price.

Heritage Hotels in India: These were originally former palaces or mansions belonging to India's erstwhile princes or nobility that have now been converted into hotels. For a price, tourists can experience a slice of the history and romance of India's former royalty. Rajasthan, Mysore, Hyderabad are some of the more popular Indian hotels.

Eco friendly Hotels in India: These hotels offer you a close communion with nature during your stay. Most of them are located in scenic locations, around forest reserves, hill stations or ecologically sensitive zones. While many such hotels in India are committed to the preservation of natural resources, with others it is often just a sales gimmick.

Wellenss Centers or Spas in India: India being home to the holistic science of Ayurveda, these hotels provide you with massages, detoxification and fitness routines to rejuvenate the body and soul. Kerala, Karnataka, Himachal Pradesh, Rishikesh and Rajasthan are some of the places where these are found.

Budget Hotels in India: While many budget hotels do offer decent accommodation and excellent food, the same can not be said for all. Again while some have pleasant surroundings set in plum locales others maybe no more than congested hotels.