How to Refinance Credit Union Style

Two of the primary lending institutions are banks and credit unions. Most banks answer to their shareholders and are like all companies seeking to make maximum profit. Credit Unions, on the other hand, are owned by their members or account holders. Therefore their loyalty is not to the shareholders like standard banks. Instead they seek to please their customers who are owners.

The Personal Touch

Because most credit unions are regional with fewer branches, account holders tend to develop a friendly relationship with the bank employees. While credit and cash flow are taken into consideration, a lower credit score may be overlooked, as the loan officer knows you, your business or employer and your reputation.

Lower Rates and Fees

Credit unions are considered not-for-profit. This can be a huge advantage for those looking for a refinance option. Because these unions are not looking to make a profit they can offer lower fees. So the loan fee and other typical bank fees charged on a refinance are typically much lower. In addition credit unions offers lower interest rates as this is in the best interest of their account holders.

Refinance Personalization

Because credit unions tend to focus on the individual, the loan officer is able to personalize the loan to suit the needs of the borrower. Larger banks are typically restricted to rigid rates and terms. A refinance loan can have unusual terms, collateral, or interest built in to the loan to help the account holder. For example, a credit union may be able to offer an interest only time period on a refinance or offer a longer amortization to lower the loan payments. They are also more open to creative financing and are better able to think outside the box when it comes to refinancing a loan.

Because these unions are small and more personable they afford more opportunities to a borrower seeking to refinance a loan. The underwriter can tailor the loan itself to the financial needs of the client and can offer lower fees & rates than conventional banks.

Self Employment – Independent Contractor Vs Employees

Self-employed individuals that work for a legitimate company are either contracted as an independent contractor (IC) or hired as an employee. There are benefits and disadvantages to both depending on your perspective.

As an independent contractor, you stand to make more money on average because you are not bound by the 40 hour maximum per week regulation as employees are. One of the disadvantages is that IC’s are paid per project or actual minutes worked instead of per hour. This can cause them to lose money if they receive a low volume of work for that pay period.

Here are other key aspects of working from home as an IC:

  • Contracted for your services
  • Set your own schedule
  • Taxes are not taken out of your paychecks
  • File 1099’s each year
  • Supply all the equipment necessary
  • Does not have to wait 2 weeks for 1st paycheck
  • Does not receive pay stubs
  • Earnings are not reported to the IRS

As an employee, you are paid by the hour. So even if the volume of work is low for that pay period you will not lose any money. The disadvantage to that is not being able to make more than a certain amount each week unless overtime hours are granted.

Here are other key aspects of working from home as an employee:

  • Hired to work
  • Chooses from a set schedule
  • Taxes are taken out of each paycheck
  • File W2’s each year
  • May or may not have to supply the equipment necessary
  • Wait 2 weeks for 1st paycheck
  • Receive pay stubs
  • Earnings are reported to the IRS

Choosing How To Keep Seafood Cold When Shipping In Foam Coolers

The most popular way to ship a few pounds or so of seafood across long distances (from state to state or even across country) is to utilize 1 1/2 inch to 2 inch thick foam shipping coolers (recyclable) coupled with either dry ice or gel packs for keeping the contents cold long enough to reach the destination while still thoroughly fresh and ready to prepare.

This arrangement is economical and proven reliable, plus the higher quality foam shipping coolers used for this purpose tend to be constructed for reuse, being generally leak resistant and well-formed. Also, gel packs are reusable, whereas dry ice evaporates into its original gaseous state.

NOTE: Do NOT use a cheap, easily breakable foam cooler typically purchased from department stores. They are NOT constructed for the kind of heavy-duty pounding expected of quality foam shipping coolers!

Gel Packs For Shipping Seafood

Gel packs (also known as PCMs, gel ice, and blue ice) are sturdy packs of ‘liquid feel’ gel refrigerant chemicals that freeze at 32 degrees Fahrenheit (0 degrees Celsius) like water, only when they get warm again they don’t melt all over the place because they are in sealed packs, completely reusable as long as the packs are not punctured or contaminated. You’ll want to consider packing enough gel packs to match the weight of your seafood – or maybe a bit more than that.

Dry Ice For Frozen Items

As a frozen gas (carbon dioxide), dry ice evaporates (sublimates) at a rate of about 5 to 10 pounds during a 24 hour period, so you have to plan for how much you’re going to need depending on whether you are doing an overnight or 2-day shipping (or longer). Obviously, shipping charges are going to get higher because of the increased weight per day, yet the effectiveness of dry ice makes it very popular. Sublimation starts immediately upon purchase, so if you’re not doing your packing while standing in a walk-in freezer or cold storage, then you definitely need to be quick about it. There are special labeling rules for dry ice packages, so be sure to ask your shipping provider.

When you pack your foam shipping cooler, it’s best to do so in a cold environment such as a walk-in freezer, or as close to cold as you can get. That way, your container is already cooled and your refrigerants and seafood are not in contact with heat. The closer your contents are to preferred temperatures before packing, the better your end result.

That said, the next question is…

“Should I Use Dry Ice Or Should I Go With Gel Packs?”

Well, that depends on the type of seafood and whether it’s still alive when you ship it and if you want it still living when it gets to the delivery point.

Let’s say you’ve just come in from a fun deep-sea fishing charter on a boat with a live well full of tasty red snapper, mahi-mahi (dolphin fish), trigger fish, or tuna. Perhaps you’ve been vacationing along the coast and decided to pick up a few pounds or so of lobster or other seafood at a local shop. In either case, you may want to enjoy some of that delicious fare when you get back home (or make it so that friends or relatives can enjoy it), which means you will need to ship that seafood in an expeditious manner with the least amount of expense that gets the desired result of a fresh arrival.

Do You Want Live Seafood To Arrive Alive?

In the case of live seafood such as freshly caught lobsters, you don’t want to use a refrigerant (or an amount of refrigerant) that will freeze them to death or cause them a degree of shock that results in their demise. To maintain the temperatures and conditions necessary to keep lobsters, mud bugs (crawfish) and such alive during expedited shipping, avoid the use of dry ice and go with the gel packs.

Do You Want Your Seafood To Remain Frozen?

Best to pre-freeze your contents in that case, but if you haven’t the time or resources, ensure to package so that you’ve enough refrigerant to lower the temperature enough to do the job for you, maintaining a proper temperature range during the entire shipping trip.

Dry ice is excellent at keeping seafood frozen, but you can effectively do the same thing by pre-freezing the appropriate number and weight of gel packs. The advantage of gel packs is that they are reusable.

If you do not want your goods to be frozen, you can adjust the amount of refrigerant, shipping time, or how much insulation you place between the refrigerant and seafood. As an example, some people will place unfrozen gel packs as a barrier between their seafood and the frozen gel packs. That way, the frozen gel packs cool the unfrozen ones which in turn chill the seafood itself.

So, in your shipping plan, take into consideration the time frame (overnight, 2-day, or longer), shipping charges incurred due to weight (you’ll need more dry ice which may increase your package volume causing you to purchase a larger foam shipping cooler, cardboard container box, etc.), and whether you want your contents frozen, cold, or merely chilled. These things will determine whether you use dry ice or gel packs and how much of either when shipping seafood in foam coolers across long distances.

Signs of Poor Taxi Service

find it easier to travel on a daily basis now. The lines between traditional taxi services and ride sharing services have blurred. This assimilation has increased expectation for ride sharing services to operate more like a professional cab service.

For a smooth and non-stressful ride, it is recommended to watch out for these red flags before a service is hired.

Unusually high fares

Cut throat competition has forced transport sector to drive innovation and continue reducing fares. This has been true for taxi services too. Unless there is a shortage of drivers due to high demand or premium services being offered, there is no incentive to pay extra.

Questionable maintenance

Good taxi services walk the extra mile. They often partner up with local bodies to have their cars certifiably inspected for faults. This translates into a safe and relaxed environment for its customers and repeats business. Any taxi service failing to ensure such maintenance regularly will naturally lose credibility.

Resistance towards technology adoption

Without a shred of doubt, technology has become one of the most integral parts of our lives. Without it, our complex ecosystem will collapse. A good taxi service tries to stay ahead of the curve and employs latest technologies. While this does increase their cost in the short term, it brings more revenue in the longer term. As a rule of thumb a good taxi company will employ at a bare minimum: –

– GPS tracking

– online bookings

– dedicated platform for drivers and customers

– email confirmation

Inflexible payment solutions

In an ever digitalizing economy, less people are carrying cash with them for daily settlements. While a bad taxi service turns blind eye to this, good taxi services see opportunity to retain and expand existing customer base. As such, they offer customers the convenience of paying via not only credit cards but cash and even wallet systems.

Non-existent or poor customer service

A substandard taxi company does not feel obligated to ensure customer satisfaction. Instead, it operates on a basic, no-frills business model. An important pillar of customer satisfaction is during service or after sale service. This is done to ensure that customers have an option to provide feedback or complaint about the service. The underlying idea is to empower users to speak directly to a company representative; to share positive feedback or raise concern.

A taxi service operating without customer service could potentially turn out to be the single biggest red flag. It goes on to display the concerned company has for its users.

Unprofessional drivers

Demonstrating professionalism for a driver is myriad of, rather subjective, intangibles. Being a professional driver is not simply about driving fluidly but also ensuring customer accompanied does not feel uncomfortable in any way. A good taxi company should, therefore, have a system of metrics in place to rate the performance of its drivers.

The list is not exhaustive in any form. Indeed, many of the indicators might be trivial to one person but a deal breaker for other. At the end of the day, the service that focuses its energies on customer convenience and facilitation is likely to triumph over others. If you need the best taxi service then make sure that they don’t have bad signs.

Traffic School Not Punitive Enough For Neighborhood Crusader

He stands next to the street in the middle of a residential Southern California neighborhood pushing the palms of his hands slowly and emphatically toward the ground and shouting at the cars speeding by him to- "SLOW DOWN!"

Greg Ravenelle is a self-appointed guardian of the 25 mph residential speed limit. He conducts his own personal traffic school from the street in front of his house nearly every afternoon.

On any given day Ravenelle can be found bellowing his admonishments to anyone foolish enough to drive by him with a heavy foot.

"At first I did it for my kids when they were young, then my kids got older and I realized that there were children still out there. if I did not continue doing something about it, "Ravenelle said.

Ravenelle tried all the usual routes of public activism to force municipal action. While he would love to see all the residential speeders get cited and have to go to traffic school, he found his please for assistance falling on deaf ears.

"I went to the city, the city planners, the police and nothing got done. They did put out one of those electronic speed monitor signs. they could go so they could read it on the sign. "

Many people Ravenelle admonished did not appreciate his self-designed traffic school efforts.

"One woman cave me an obscene hand gesture with her two daughters in the car and then continued to swerve from one side of the road to the other all the way down the street."

No speed limit signs in your neighborhood? That's no excuse. This particular law is called "prima facie". The dictionary defines "prima facie" as "self-evident or obvious". In a nutshell, you are expected to know that the speed limit is 25 mph in a residential neighborhood, whether there are posted speed limit signs or not.

And if you have forgotten about the 25 mph residential speed limit law, when you drive in the vicinity of Greg Ravenelle, you can count on being reminded.

Ravenelle Traffic School from the Pavement meets almost every afternoon, right around the time the kids get out of school.


Rugs Making is an Ancient Craft


Handmade and machine-made. Woven rugs include both flat rugs (for example kilims) and pile rugs. An authentic oriental rug is a handmade carpet that is either knotted with pile or woven without pile. Oriental-design rugs made by machine or any method other than hand knotting or hand weaving are not considered authentic oriental rugs.


Braided rugs are made by sewing many little strips of cloth together into longer strips. The long strips are then braided together, sewn at the ends, coiled around in a circular or oval pattern, and sewn together at the edges to hold it in its circular pattern.


Traditional rug hooking is a craft where rugs are made by pulling loops of yarn or fabric through a stiff woven base such as burlap, linen, rug warp or monks cloth. The loops are rolled through the backing material by using a crochet-type hook mounted in a handle (usually wood) for leakage.

Rag Rugs

Rag rugs were commonly made in households up to the middle of the 20th century by using odd scraps of fabric on a background of old sacking.


Using either yarn or strips of cloth, you work with the punch tool from the back side of the pattern. The Monk's cloth backing is tightly stretched on to a frame. Every time you punch the needle down through the backing, it makes a long thread on the right side of the rug. Then, as you lift the needle, it automatically makes it into a loop. These loops pack together to create a rug so solid that chewing dogs and clawing cats are its only enemy. As long as you use the tool correctly, it will automatically make all the loops the same length.

Sometimes referred to as "speed hooking", this method of rug hooking is loved for its ease and speed. One student described it as "instant gratification with wool."


Proddy rugs are made, as the name implies, by prodding or poking strips of fabric through burlap or linen from the back side. Rag rugs made this way have many names; clippies, proddies, stobbies, pricked, and in Scotland they are called clootie mats. They were often made for more utilitarian use such as the backdoor; their pile hiding dirt well.

Odessa, Ukraine Apartments And Hotels Comparison

Researching the hotels in Ukraine, it’s worth saying that the western European standards is a lot higher than those in Former USSR. Nevertheless what attracts tourists to Odessa? As according the statistics the number of tourists is constantly increasing and the summer 2006 had over 2 million population in Odessa while the inhabitants number is only a bit over 1 million.

There are not many hotels in Odessa and if another million manage living in hotels, they would be overcrowded. Only approximately 10% of tourists prefer hotels, the rest chooses the cozy apartments kindly suggested for rent in the downtown area, Arcadia (the seacoast), Big Fountain.

The non-competitive popularity is gained by the central areas, especially Deribasovskaya street, Lanzheronovskaya, Opera House, Pale Royal where prices in summer raise from $10 up to $30 per night.

And finally, let’s compare the price. Hotel prices vary from $40 for a *** star hotel (which is approximately 1-2 star in European standards) up to $300 per night for a ***** or Luxury (VIP class) rooms in hotels such as: Palace Del Mar, Mozart, Arcadia Plaza. Nevertheless, lower class hotels like Chernoye More, Passage, Londonskaya, remain popular among the city visitors.

The price politics in apartment rental industry is simpler as long as you get privacy, comfort, chambermaid service, inexpensive price and the discount if you stay for at least a fortnight. The price varies from $35 (for a 1 bedroom apartment), $50-55-150 (two bedroom, studios), and $90-250 (three bedroom apartment).

The standards are divided into: economy class, standard class, luxury apartments.

Economy class apartments.

Priorities over hotel rooms: bathroom (shower), telephone (no international line), TV (cable);

Disadvantages: a single, no home equipment (hair dryer, iron), no conditioner, no washing machine, no Jacuzzi.

Standard class apartments:

Priorities double place, over hotel rooms: bathroom (shower), telephone (no international line), cable TV, refrigerator, Internet access, chambermaid service, new furniture, living-room apart from bedroom, have home equipment;

Disadvantages: located within 10-40 minutes away from the central part of the city.

High class apartments have all modern amenities and their price starts at $90-$250. Unlike previously compared places, luxury apartments can comfortably accommodate up to 5 people.

For a free consultation on Odessa accommodations by a professional, apply at

To rent an apartment to any choice and price in Odessa, Ukraine address

Author: Zinaida Melnick

Get Flats in Marathahalli, A Village at Optimum Cost

Devanahalli is a place near to Bangalore that has its origin related to the born town of the great leader and fighter Tipu Sultan. There is no condemning the fact that this place has a number of forts and historical monuments but the main attraction of this locality is the opening of a large number of industrial outlets rendering it to the eyes of most of the people of the country and the state . No doubt, being a sacred place and a historical site for the nation, the area has also covered a commercial aspect of the economy. Flats in Devanahalli are at the sale seeing this trend of commercialization and factorization of the locality. So, if you are interested in buying a flat here that is near to the Silicon Valley of India; opt for the available options.

With the inflow of almost more than 30000 vehicles daily to the Bangalore international airport, it is liable for the area to have such a development scheme where the residents may feel at ease in respect of each and every module of social infrastructure. With a literacy rate of 66% and population of over 25000, the city is developing into huge commercial site with flats in Devanahalli mushrooming all over the area. For a generalized idea, you have the options of purchasing a plot, house or flats in Devanahalli at much cheaper rates than the other areas in Bangalore. Investing in Real Estate here is increasing for most of the investors and the place is bought to become one of the most developed cities of the state in the near future.

When we think about the Marathahalli, a developing village in the aftermath of Bangalore then it really gives us a great pleasure to have a house here. There is no denying the fact that the flats in Marathahalli are in the optimum range from Rs 47 lakh to over Rs 65 lakh. Apart from these, the other facilities that are included in this area are a great ease of transportation, leisure, vacation and shopping. You can find here a number of factory outlets, shoppingalls, hospitals of restructured credit and everything just near to the residential complexes. It is really astonishing that being one of the co-operative parts of Bangalore development, Marathahalli is not recognized in the public scenario.

When choosing the flats in Devanahalli, you may go for Sobha Lifestyle, QVC Hills, Orchid Paradise, Lake View town ship and Orange Premium that depicts a different culture and innovated style of living for the related residents. On the other hand, Vanshee Solitaire, Purva Fountain, Pearl Residency, Rohan Jharokha and Nandi Sunrise Apartments are the reputed apartments that might attract your attention when you are willing to buy flats in Marathahalli. The luxurious apartments and flats in this suburb of Bangalore are worth mentioning because of the available options and facilities of shopping, greatalls, complexes, industrial outlets and factory installations. It has the credit of the various businesses propping up to the maximum limit and it has touched the horizon in providing residential plots and flats to the seeking visitors.

Flights Information

Flights Information entails notification of details concerning the arrival and departure of flights, availability of tickets, and the information regarding the various flights available to major cities around the world. In this fast paced world, where people are constantly on the move, they need to keep a constant tab on their flight schedules. The time of arrival and departure of flights as well as information in case of any delay or rescheduling is also made available. To help the passengers reach their destinations on scheduled time, flight information updates have been made available on the Internet as well as on various cell phone networks.

The technological advances have enabled all the major airliners to go on the World Wide Web and provide their passengers with the facility to book flights. People from all across the globe can check the availability of seats of their choice and make on line flight reservations. Prior on line reservations ensures a hassle free journey.

Air transportation has been made easy and affordable in recent years. Almost all major companies operate cheap flights to various parts of the world. The introduction of cheap flights has increased the number of passengers availing flights even for short distances.

Flights from different parts of the world fly to the Big Apple or New York. Cheap Flights to New York are also available. New York City is served by John F. Kennedy International Airport, the Newark Liberty International Airport and the La Guardia Airport. JFK serves as the hub of the Delta Air Lines, Jet Blue Airways and American Airlines. Flights to New York are also available from all the states in the Unites States of America.

Las Vegas, occupying the Western coast of the North American continent, is one of the popular tourist destinations in the world. Las Vegas is served by the Mc Carran International Airport. As many as 125 flights to different cities in the country operate from the Las Vegas Airport. It is in fact one of the busiest airports in the world in terms of air traffic and passenger movement. Flights to Las Vegas connect the city with other parts of the world.

The national capital of Washington DC is served by several airports. These include the Baltimore-Washington International Airport, the Washington Dulles International Airport and the Ronald Reagan Washington National Airport better known as the National Airport. Flights to Washington are conducted by several airliners. These airlines include the Midwest Airlines, US Airways and Northwest Airline KLM. Some of them also conduct cheap flights to Washington.

Flights to Paris mainly serve a couple of airports namely Charled de Gaulle Airport and the Ory Airport. Tourists flock the French capital in large numbers each year. Almost 500 flights from 132 different nations fly regularly to Paris. They carry almost 75 million passengers to and from Paris on an annual basis.

Find Foreclosure Relief With a Mortgage Loan Modification

Anyone looking for foreclosure relief may qualify for a mortgage loan modification if they are at risk for defaulting on his or her mortgage payment, due to financial hardship. Luckily, this applies even in the case that you are receiving unemployment or going through a bankruptcy. Ultimately, a loan adjustment offers people an option outside of doing nothing. If you do nothing when you are not able to make your mortgage payments then you risk having your home foreclosed on.

What is a Mortgage Loan Modification?

A mortgage load modulation involves making a negotiation with your lender. The main goal of the loan modification is to provide you with foreclosure relief by helping you to find better loan terms so that you can continue living in your home. In general, a loan modification aims to help people with getting back on track financially. More specifically, a loan modification helps you to lower your mortgage interest rate.

Additionally, modifications can help you so you can have a clean slate without worrying about having to pay pensions and late fees. In addition, it offers a way for homeowners to extend the term on their loan. On occasion, modifications also can reduce the loan principal of the mortgage as well.

Qualifying for a Mortgage Loan Modification

Generally, any homeowner at risk for imminent default qualifies for a mortgage loan modification. Regardless of whether you are in the middle of a bankruptcy, receive unemployment, or are in between jobs, you can qualify for a loan modification. Two common types of loan modifications include the Home Affordable Modification Program (HAMP) and non-HAMP With HAMP, people must meet certain requirements in order to qualify.

Qualification criteria require a homeowner only have a first-lien loan on their primary place of residence. The dwelling must consist of a single-unit residence valued no more than $ 729,750. Other qualifications consist of current delinquency or the risk of imminent default because of financial hardship. However, not all homeowners can qualify for foreclosure relief through HAMP

In response, banks have a separately designated non-HAMP modification department for those looking for foreclosure relief that does not qualify for a HAMP loan. Cases such as these are usually entail those with a home valued over $ 729,750. However, homeowners must meet other qualification criteria as well. Once approved for a first lien modification, lenders can not turn the homeowner down for a second lien modification.

Furthermore, the lender must offer first lien modification homeowners a modification on their second lien loan. Another program that works alongside the HAMP program consistors of the Second Lien Modification Program (2MP). The purpose of the program relates to foreclosure relief by creating more affordable solutions for borrowers. Mainly, 2MP aims to lower the amount a homeowner has to spend on their first and second lien mortgage loans so they have an easier time affording their mortgage payments.

Reasons for Modification Denial

One of the main reasons for loan modification denial relates to how people will often fail to submit all of the necessary information with their application to their lender. Therefore, the utilization of software for mortgage loan modification is one of the best ways to ensure you have all of the needed information for your application. In addition, a program such as this can guide you along the way with comprehensive tips on how to negotiate with your lender so you can find the foreclosure relief you seek.

How a Mortgage Modification Works

Overall, loan adjusting can help people to avoid losing their home. However, it is important to ensure that you have all of the necessary paperwork filled out. Additionally, mortgage loan modification software can help people especially when they are experiencing a difficult situation, such as unemployment, income loss, foreclosure, bankruptcy, as well as when you owe more on your home than what it is worth. Therefore, creating the kind of foreclosure relief you need.

Here's An Inside Look At Why Some Men Finish Quickly In Bed

The majority of men would prefer to keep quiet than speak out on this particular kind of issue. Truth be told, it is not a subject I take pleasure in discussing either. Having said that, in order for men to realize that there is something that may be done for their trouble, it really is important for them to find out about why they're having these difficulties in the first place. With any luck, this posting will supply you with a lot of resolutions and a lot of hope also.

A lot of men think their condition is without hope – nonetheless, rapid ejaculation is treatable. The trouble generally does not evolve from a bodily incapability. Instead, it generally stems from a mental condition, which unfortunately generally begins at a young age. Many guys that have problems point out that they started around puberty, and so to totally have an understanding of this, you need to think of the challenges adolescent men confront.

A young male approaching teenage life starts to feel differently different and experiences new thoughts. Many sense the desire to relieve their tensions and to do it speedily, especially because of the worry of being found out.

As these very same young men mature and start having romantic relationships with other people, they find it challenging to stay in command of their physical reactions. It constantly requires a reasonable amount of time and time to time specialized guidance to be able to discover how to deal with their typical reactions, primarily because their bodies are so used to reacting speedily.

That kind of scenario is fairly widespread, yet there are many additional reasons men put up with premature ejaculation. In a number of situations, the condition actually stems from a single encounter that finished out of the ordinary. Just after this encounter, the guy fears that it is going to come about again, akin to when a man is afflicted with impotence problems.

The dread and anxiety will develop inside the guy and he will get worried about it through each of his erotic encounters. Generally the one thing that can help him is counseling.

Unluckily, this really is definitely the beginning. A lot of adult men further experience oversensitivity and it's simply yet another anxiety for them as soon as they are met with seeking to perform well for their partner. These types of challenges are worsened by the fact that numerous men can not bring themselves to discuss such personal difficulties.

This Tool Guarantees That Your Sales Letters Get Read

You may not have heard about these, but copy connectors are another very important part of any sales copy. These are what keeps your content connected between paragraphs, and they can have a great impact on the response your sales letter generates.

Simply put, copy connectors ensure that the different parts of your sales copy flow properly. There are two different types of copy connectors that you can use, mesmerizing copy connectors and psychological copy connectors.

Mesmerizing copy connectors help to trigger your reader's imagination and appeal to their subconscious mind. Some of the most effective words I use for these transitions include terms such as, imagine, remember, or visualize. The power behind these words is that they put your reader into a persuasive state which makes them more likely to do what you want them to do.

Another trick for getting your readers into a persuasive state of mind is to use lots of words, phrases, and sentences that have a rhythm or cadence to them. I call these psychological copy connectors.

Psychological copy connectors allow you to tell your readers what to think or feel as they read your words, when used correctly your readers will actually start to think and feel a certain way because you mentioned it in your copy. Naturally you need to make sure that you only admit feelings that convince them to buy your product or service.

For example, you can use psychological copy connectors to get your readers to imagine what their lives will be like if they buy or do not buy your product or service. You can ask them questions that will indduce thoughts, memories, and feelings. You can tell them about all the goals that they will accomplish and the benefits that they will get when they purchase your product. Linking these to emotions such as happiness or sadness will increase the power your sales letters have on your readers.

Here's another tip. It is a known fact that people are programmed to mentally answer questions when you ask them in your sales letter. So I make sure that I include a lot of them in my copy. Do you do the same thing? Why not?

Questions that assist readers in visualizing a desired outcome or avoiding a potential problem are the most powerful. Often times using questions can make problems seem larger which ultimately makes it easier for you to make a sale. You've invested a lot of time writing your sales letter, do not you want it to get the response you want?

So when you are writing your sales letters, think about the language you are using to connect your paragraphs and make transitions from one area to another. The more that you use language or questions that enable your reader to imagine a desired outcome the more effective your sales copy will be.

Top Benefits of Almonds You Must Know

Almonds are the oldest and most widely grown nuts in the world. Incorporating them into your diet will add value to your total wellness and this piece tends to expose the great benefits you can derive from doing this.

Almonds contain healthy fats that give your body the necessary energy and fuel it needs for daily activities. It is important to note that not all fat makes you fat. There are bad fats like trans fats (found in fried, fatty foods) which are not that good for the body. But there are good ones that are very essential for your survival and wellbeing.

Furthermore, eating almonds lowers your risk of having a heart attack. They help in reducing bad cholesterol levels and prevent dangerous blood clotting. They contain flavonoids which prevent the artery wall from damage and work with other vitamins to boost the cardiovascular system. Research shows that the consumption of nuts at least five times every week reduces the risk having a heart attack by 50%.

It has also been proved that almonds help in keeping the blood sugar levels regulated and prevent the insulin from spiking when they are taken after meals. They are a great snack for those who want to stay away from sugary, processed foods. They can also help you to reduce your craving for sugary snacks if you take them during the day.

In addition, almonds contain phosphorus which is very essential in building as well as maintaining strong bones and phosphorus also helps in strengthening your teeth. Almonds are also good for your brain. They contain vitamin E, riboflavin and L-carnitine which are nutrients that help in maintaining cognitive abilities through aging. They boost the overall brain activity and reduce the risk of Alzheimer’s disease.

It is generally agreed that diseases cannot thrive in an alkaline environment, hence, your body needs to be slightly more alkaline than acidic and maintaining this pH is very vital for feeling good and living free of illness. The good news here is that almonds are one of the only nuts that have an alkalizing effect on your body.

Almonds can be taken raw, soaked and in powdery form. Their oil is well-known in ayurvedic cooking because of its smoothness and soft flavour. Their flour is a great alternative for cooking as well as baking because it bakes more easily and has a great taste. Their milk can also be an alternative for you if you really need to stay away from animal milk.

Get The Pro's Tips On Choosing Between A Vinyl Fence or Aluminum Fence

Deciding to put up a fence can be a life or death situation in some instances, a matter of security in others or just a simple matter of privacy. But whatever your reason behind choosing to erect a fence, one thing is certain: choosing the right type of fence and the right fencing company is vital.

Essentially, there are two main types of fences that are typically chosen for both residential and industrial locations: the vinyl fence and the aluminum fence. Depending on your reasoning behind the fence and the importance you place on the aesthetic look of the fence, you'll have to choose accordingly. Here's a brief guideline to choosing the right fence for you and finding the best company to provide it.

Vinyl Fence

A vinyl fence is a high-quality, no maintenance solution to all your fencing needs. While typically chosen for residential settings like pools or dogs and children wings, they can also be used for industrial settings and businesses where aesthetics come into play.

Vinyl matches add value to property along with a pleasant appearance that plays down the sometimes imposing implications a partition such as a fence can bring. It can be a subtle way to tell your neighbor to keep his dog off your lawn or a friendly reminder to the neighborhood kids that not everyone likes baseballs shooting through their yard.

Or, it can keep your children in eye's view so that they are not running out into traffic, or protect them from falling into an unsupervised swimming pool or hot-tub. A vinyl fence can provide you with privacy for intimate backyard BBQs or shading for that romantic night gazing at the stars with your sweetheart.

There are many different styles of vinyl fencing to choose from, some attractive and bright, some subdued and traditional. Regardless, vinyl fills are made to be no to low-maintenance so a hose for the occasional dirt is all you'll ever need. No painting, no chipping: perfect!

Here are some popular vinyl fence styles:

– Privacy with or without Lattice

– Shadow box with or without Lattice

– Pool Code Fences (BOCA)

– Semi-Privacy (Pool code available)

– Wide Picket

– Narrow Picket

– Ranch Rail

– Scalloped

– Cross Buck

– Puppy Picket

Further, there are a wide variety of vinyl fence posts caps that can customize your unique look to match your house.

Aluminum Fence

Aluminum wings are used in both residential and industrial settings equally. Because they look a little more menacing and "business-like" they are a broadly popular choice in settings where the intent is not meant to be a subtle hint, but rather a firm declaration of property boundaries and privacy. If you're looking to make a statement, aluminum fencing is the way to go.

But that does not mean they are not aesthetically pleasing as well. On the contrary, aluminum fencing provides a classic urban look popular in the outskirts of most major cities in America. Regardless of look, one thing is certain: with an aluminum fence, you get strength and durability that you can rely on. In fact, most aluminum fines come guaranteed for life because of their extreme ruggedness and weatherproof nature. This is why many choose an aluminum fence over a vinyl one if security is more of a concern than aesthetics.

Some popular aluminum fence styles include:

– Manhattan

– Carolina

– Biltmore

– San Fran

– Puppy

– Elegant Arch

– XP

– Floridian

– Cathedral

– X7 Industrial Defense

Kids and Hotels

Some hotels are family friendly. That is, they have a pool, maybe an arcade, a playground, things for kids to enjoy. Others may not be as kid friendly, but all hotels have other guests who expect your kids to behave themselves during their stay.

If you have a child who is involved in travel sports like hockey, basketball or soccer, you know you spend a lot of time in hotels. There are games, there are tournaments and likely the whole team (if not multiple teams) are all housed at the same hotel. That makes for a lot of kids. It’s great because you get to hang out with the other parents, the kids get to hang out with their friends and teammates, but there should be limits placed on what the kids can do in and around the hotel.

For instance, no other guest appreciates a gang of kids running down hallways hollering at the top of their lungs. If you don’t let your kids run around like that at home, why are they doing it at a hotel? Another thing that ticks off other guests is that the quiet times aren’t upheld. Just because you’re away from home doesn’t mean you can act out at all times of the day or night.

Being in a hotel is a freedom, parents can go to the restaurant or bar while the kids go in the pool, but this too is tricky as kids should always be supervised around water, no matter their age. Even if parents take turns on pool duty, it’s better than no supervision at all. Ideally, the kids should behave properly in the pool area which means no running, no diving into shallow water and observing the pool rules. Same goes for the gym or fitness center if the hotel has one. This is for all guests to use, and if your child has a legitimate reason to be there, supervised then that’s great, but having a bunch of kids hanging out in the gym annoying other guests is a no no.

For the most part, kids and hotels are a great mix, and families are observant of the rules, the kids are polite and quiet and all is well, it’s when they area allowed to run amok that the problems arise. No one wants to be the one getting kicked out of a hotel so abide by the rules for fun for all.