Can Your Mortgage Foreclosure Case Really Be Dismissed?

It is true. A mortgage foreclosure case can be dismissed. Florida foreclosure fighting attorneys at the Florida law firms have been successful in dismissing residential mortgage foreclosure cases pending in the State of Florida. Utilizing knowledge, experience and persistence, defense attorneys are able to have mortgage foreclosure cases dismissed.

The internet provides access to a vast and variety of information, documentation and viewpoints on every possible issue imaginable. Harnassing that ability with reality allows even an unrepresented borrower the opportunity for success in defending a mortgage foreclosure case.

Dismissals of foreclosure proceedings may be the result of several different methods of defending the foreclosure actions and prosecuting claims against the bank for truth in lending violations and unfair and deceptive trade practices among other grounds. Of course, the fortunate clients are always ecstatic to learn of the success of these “Florida Foreclosure Fighters” in their respective cases. After receiving a copy of the dismissal, homeowners are certainly thrilled at the news.

Utilizing the right of rescission pursuant to the federal Truth in Lending Act, among other legal arguments, attorneys and legal advocates may quietly forced the plaintiff to dismiss the case against their clients. In this instance, if a borrower is unable to obtain or afford legal representation, the pro se defendant is able to access information relating to the applicable truth in lending laws to his or her particular situation.

Form rescission letters are typically and widely available on the internet or in a local law school library. Ordinarily, this forms contain guidelines for the applicability to a particular situation. Of the dismissed cases, several matters included foreclosures initiated by the former Indymac Federal Savings Bank now owned and operated by One West Bank. Part of the foreclosure defense team discovered loan errors and miscalculations during the law firm’s loan audit and examination. If you have refinanced your primary residence within the last three years to an adjustable rate mortgage, you should consider a careful and professional examination of your loan documents. Again, software programs are available for download on the internet to review and examine loan documents.

However, this process is slightly more complex if the pro se litigant is unfamiliar with mortgage terminology and identifying loan documents necessary for the process. However, there are services that are fairly inexpensive to obtain loan examination results. In other cases, the persistent and patient defense of the mortgage foreclosure case may lead to the case being dismissed at a status conference and/or show cause hearing before the presiding judge if the bank fails to timely move the case forward. In cases, such as the aforementioned matter, where the defendant is able to defend the case for some extended period of time, the judge often becomes frustrated with the case not advancing on the court calendar. In such instance, the court may dismiss the case for the bank’s failure to timely prosecute the case.

Common problems and issues existing in these cases included loans that were transferred and assigned through several parties and ultimately into a “trust”. The mortgage foreclosure cases filed by these unknown trust entities create many legal and procedural issues for the Plaintiff to overcome in order to properly complete the foreclosure. With the surfacing of the robosigning issues, the defenses in these cases have become more successful. Researching the existence of the loan trusts is also easier through the internet.

Helpful websites, such as Edgar Online, exist to illustrate where to search and for what information to examine. These websites provided access to databases of information and documentation required for filing and maintaining these trusts with the Securities and Exchange Commission. The borrower needs to use the internet as a research tool to learn and obtain information helpful in dealing with a foreclosure case. However, be wary of the information contained is such sites because the viewpoints may sound great, but are not a legal reality. Seeking the assistance of an experienced attorney is always a better option and more lawyers are providing these services at an affordable amount.

What Is Follow Up Care for Cancer Treatment and Why Is It Necessary?

The most common treatment for cancer is to surgically remove the tumor and the surrounding tissue. It is one of the oldest types of cancer treatment and remains as the most effective way to treat it. However, after surgery, it is highly essential that patients follow all the post operative care as recommended by the doctor.

What is follow-up cancer care and why is it important?

Follow up care for cancer includes regular medical checkups. These include basic reviews via imaging procedures so that you get a pictorial view of the operated area, endoscopy that includes the use of a thin light tube to examine the interior of the body, some blood test and such other lab tests. These tests are important because they help identify the changes in the health of a patient. However, the main aim of these tests is to check for recurrence of the cancer in the primary site or the other parts of the body. These checkups are also important to diagnose and prevent other types of cancers that may occur. Certain ongoing problems can be treated effectively. Physical and psychological problems that develop long after the treatment is over can be essentially detected and avoided.

What should patients look out for?

Patients should take an active part in their post operative care. It is important to observe any symptoms that may indicate that the cancer has returned. Also make a note of other physical problems that interfere with your daily lives such as fatigue or difficulty in concentrating, memory changes, trouble sleeping and excessive weight loss or weight gain. It is important that patients are aware of the slightest changes in their health and report it to the doctors during their next scheduled visits.

What is the frequency of follow-up care?

There is no standard frequency for follow-up care for cancer. It mainly depends upon the individual, the type of cancer treated, the type of treatment received and the overall health of the patient. In general, these appointments are scheduled every 3 -4 months and may continue until 2 to 3 years after the treatment. It generally depends on the doctor’s judgment of the case.

During the post operative care and follow-up care at a cancer hospital, it is necessary that patients maintain a clear communication with their doctors and care givers. This is essential so that any abnormal cell behavior can be detected early before they turn into cancerous cells. Any other symptoms such as memory problems, lack of concentration and fatigue can be easily detected and proper action can be taken.

It is common for cancer patients to experience depression, stress and anxiety. In such cases, doctors may recommend counselors and therapists. Relaxation techniques such as rhythmic breathing and meditation can help deviate your thoughts from the disease and help you cope with depression.

Overall, it’s important to understand that cancer care is not completed when the surgery is over. It requires you to take a lot of care even after the treatment in order to recover and return back to normal life!

Five Reasons to Schedule an Air Duct Cleaning Appointment

Many homeowners know the importance of maintaining their home. They repaint the siding, repair broken appliances, and keep the indoors clear of dust and debris. However, most homeowners do not pay attention to the parts of their home that they cannot see. Air duct cleaning is one of the most commonly neglected aspects of home maintenance, but having the service performed at least once per year has many benefits.

Gets Rid of Strange and Stale Smells

The inside of a home is full of interesting scents. Housework products, pet odors, and even food preparation can affect the smell of the home. Since air is circulated through the ducts, these smells often get trapped in the buildup of debris. Any time the HVAC system kicks on, the debris is disturbed and in turn sends the stale scents out into the room. Routine maintenance and care will help reduce buildup and keep musty smells to a minimum.

Makes the HVAC More Effective

The more dust and grime inside the system, the more obstacles the HVAC’s flow encounters. Significant amounts of buildup can block the flow of the entire system, making it harder to maintain an ideal temperature in the home. Clearing debris allows the HVAC system to flow freely from room to room. A dirty system often leads to higher electric bills. Regular cleaning may end up saving homeowners money on a monthly basis.

Clears Out Mold

Moisture buildup is a common problem for many homes with a central HVAC system. When moisture collects in the ductwork, it sets up the perfect environment for mold growth. Routine cleaning will keep mold spores from settling into the system and may improve the quality of the interior of the home.

Reduces Risk of Allergens

Any homeowner suffering from allergies, asthma, or respiratory conditions knows the importance of reducing allergens inside the home. Any time the HVAC turns on, the air is exposed to anything collecting inside the ducts, and allergens like pollen, pet dander, mold spores, and even mildew can all lead to an increase in sneezing fits, runny noses, and eye irritation. Regular air duct cleaning will take care of allergen buildup, so the HVAC maintains a clean, temperature-controlled home.

Makes Dusting Easy

Any time the HVAC turns on, loose dust and debris inside the ducts go flying. This debris then settles on furniture, gets embedded in carpet and upholstery, and makes keeping a home tidy difficult at best. Professional air duct cleaning may reduce the amount of dusting needed to keep a home looking tidy and spotless.

Keeping a home in good condition requires more than simply repairing easy-to-spot damage-homeowners must maintain the unseen parts of the home. Hire a professional who is experienced in HVAC work to ensure that the system can operate at its best. Schedule an appointment and see the difference it can make.

How to Start Your Own Mobile Tool Rental Service Business

You can start your own business renting out your tools, as a mobile service. You can reach more customers, if you are willing to travel! You can start from as little as one rental item, and ad things to your list, as you get them! You could make more money, if you offer to let them rent it, for longer periods of time. You can have a more special, and personalized service, where you come over to the customer’s home, and show them how to use the equipment, and pick it back up from them later, when they are done.

You could offer all kinds of rental items. Just drive around, and just about every town, has a rental store around it. You can see some of the things they rent out, like paint sprayers, stump grinders, and items like that. You could expand into party rentals, like cotton candy, popcorn, and snow cone machines. You could offer lots of party items. You could include on your flier, that you offer personal service, and helpful tips.

You could send out business cards and fliers, to local real estate agents, landscapers, and nurseries, that you have mobile tools for rent. These are the people, that usually have either clients working on their homes, or landscapers that come across certain jobs, they could do, but they might not have every tool to do it with, and now they know, they can get it from you, and you can get more customers that way!

You could use a trailer that you pull behind your car or truck, and start small, and buy things you would like to rent out, and have fun with it! You could advertise to car lots, for all your party items, like the popcorn machine, cotton candy, hot dog, fun jump, and so on, because they will want a lot of your items, when they are doing sales, and other businesses as well!

Construction Employment – How Not to Impress Your Boss in Construction

How not to impress your boss in construction? Amazed at the selection of topic? Well this isn’t going to be a boring lecture on how to impress your boss by flattering him to the core nor is this going to be a joke on how to lose the confidence of your boss. Well the construction employment scenario seems to have rejuvenated after it almost crashed during the recession. Investors are returning and even the government is taking a keen interest in the development of infrastructure globally. Needless to say the construction industry employment is mushrooming with full might. Construction employment agency is something which specially caters to the employment requirements related to construction. Be it contractor employment or engineers for construction they deal in every employment.

Everyone seems to be competing with each other to secure themselves a construction job. The avenues are many. One can opt to be an architect, a civil engineer, an electrical engineer, a contractor, a supplier or a manufacturer amongst the many other options available today. The pays in construction management employment is also quite lucrative and for people who love challenges this is just the thing for you. If this still does not impress you think about the satisfaction you will get when a complete structure will be standing tall in front of you and you will proudly be able to claim that even you have played a role in its construction.

I am sure you are quite interested in getting into a construction job now. But to grow up high in the construction industry employment you will need to be in the good books of your boss rather than learning how not to impress your boss you will need to know how to make sure your boss knows you are working real hard at your job. Here are a few tips to do the same:

Set your priorities right. When your boss gives you an assignment you need to know that it is of utmost importance and must be done first. No matter how many pending tasks you have, forget everything till you are done with your boss’ assignment. Remember it’s your boss who decides what is to be done first and your job is to follow orders. This will score you a lot of good points.

Giving credit to your boss: Never try to steal away the thunder from your boss. Even if you have accomplished a task on your own you will need to thank your bosses for their support.

Do not gossip about your boss: Speak well about your boss even behind his/her back. If your boss finds out that you have been bitching about him/her they will take it to a personal level to avenge themselves and it will be you on the losing end.

Tell your boss everything: Even if you get assignments from your boss’ superiors it is your first responsibility to inform your boss about it. Ultimately it is your boss who has a direct say in deciding your future so make sure you stay in their good books.

Never go against your boss: Remember when you are in trouble its only your boss who can save your day so never ever go against him by all means.

6 Types of Questions in English You Need To Know

In English there are 6 different kinds of questions. An utterance is a question if it has one or more of these four markers: rising intonation; inverted word order; a question word: who, what, where, when, how, how, why: or the word or. The different types of questions are differentiated based on the presence of the marker(s).

1. Statement with a rising intonation

The first kind of question has the word order of a statement but is spoken with a rising tune instead of a falling one.

You are serious? It was right? They were surprised? You can fly? You have done the work? This is a joke? You are leaving now? The Rangers won? You are from Bali? You live in Australia? You joined You passed the test? She’s your boss?

The marker is intonation. These are “yes-no’ questions- the speaker is asking for confirmation or denial of what he understands. Such questions are most likely when the questioner has heard something and wants repetition.

2. With 24 Auxiliaries

The more common sort of question is made with inversion-placing an operator in first place. An operator (a form of be: is am, are, was/were, do/does,did, have/has/had, used to/ or one of the modal verbs can/could, will/would, shall/should, may/might, must, ought to, dare or need), which follows the subject in a statement, precedes the statement in a question. If the statement has no such operator, the empty form do occurs in the corresponding question. There are 24 operators or auxiliaries altogether in English.

Is this a good site to follow? Am I late? Are you leaving now? Were you in the office last night? Do you live in Indonesia? Does help you a lot in writing? Did it rain here yesterday? Have you got work today? Has your article been approved? Had you learnt before you left for USA? Used he to work in England before? Can you drive? Could you tell me why your account bees suspended? Shall I call you tonight? Should I go and see the manager now? May I help you? Might he come over? Must I heave up anchor? Ought she to do right? Need I contact the company? Dare he come to meet the boss?

These are also yes-no questions. The marker is the inverted word order; consequently, intonation is less important and either a rising or a falling tune may be used.

3. Tag Question

A similar but different way of asking the same thing is to make a statement and attach a tag question. The tag question has an operator which matches the verb of the statement and a pronoun which matches the subject.

You’re leaving now, aren’t you? You aren’t coming tonight, are you? This is a joke, isn’t it? This isn’t a joke, is it? You aren’t serious, are you? He’s gone back to USA, hasn’t he?

There are two different intonation possible: rising tune is used when the speaker is really seeking information, and a falling tune suggests that the speaker merely wants confirmation of what he or she believes. With the rising tune one might use just right? or something as a tag. As the examples above show, the tag is a typically negative after an affirmative statement and affirmative after a negative statement, However, there is a less common type of sentence in which an affirmative tag follows an affirmative statement:

You are serious, are you? This is a joke, is it? The Bulls won, did they? You can do that, can you?

These are typically spoken with a falling tune on the tag, and they convey a special meaning of disbelief or detachment.

Inverted Word Order

The next type of question has inverted word order but it cannot be answered simply “Yes” or “No.” The marker is the word or.

Would you like coffee or tea? Is your article about Finance or Business? Are you coming with us or staying in the office?

The usual intonation is a rise on the first part (here, coffee, Finance, coming with us) and a fall on the second part (here, tea, Business, staying in the office). The questioner gives the addressee two or more alternatives and asks for a choice.

WH’s Questions marked with rising intonation

The next questions have a question word (or “WH-word”) but are also marked by rising intonation.

He’s leaving when? When is he leaving? She left it, where? Where did she leave it? You want what? What do you want? You were absent why? Why were you absent?

The question word may appear at the beginning of the question or in the same position in the sentence as the answer would appear. The question word is the place where the voice rises. These ask for a repetition or confirmation of something said previously when the questioner can pinpoint what needs repetition or confirmation. “He’s leaving when? Indicates that the speaker has been told the time of departure but didn’t get it or doesn’t believe it.

Questions with no rising intonation

Questions that have a question word and do not have a rising intonation (at least not on the question word) ask for new information, not for repetition or confirmation.

Who told you that? Who found the money? How many people came to the party? Why are you leaving?

In English there are 6 different kinds of questions. An utterance is a question if it has one or more of the following four markers: rising intonation; inverted word order; a question word: who, what, where, when, how, how, why: or the word or. The different types of questions are differentiated on the basis of the marker(s) present.

Why a G-10 Handle For Your Knife?

Knife handles have many qualities that are important to how they function under the conditions in which they are used. Every variety of handle material has its high points and disadvantages. It is imperative for safety and ease of use that the handle of a knife is easy to grip without it slipping, and strong enough to withstand the punishment necessary to get the job done. For this reason G-10 is used in the making of many types and brands of knife handles.

G-10 is a highly durable material commonly used in the making of top quality knife handles. It is especially popular in the making of tactical folding knives, hunting knives, and survival knives. G-10 is used because it is strong, lightweight, virtually moisture and climate resistant, and doesn’t shrink. It has high impact strength, and resists cracking even when exposed to the most extreme temperatures and conditions.

G-10 is a heat retardant, electrical grade laminate created by layering fiberglass cloth and industrial grade resin. The material is then heated and compressed to bind the layers. First introduced in the mid 1950’s the scientifically manufactured substance has also been used in aerospace and underwater applications. Because it is so versatile G-10, and variations of it, serve well in making insulation for extremely high and low temperature electrical and medical equipment.

There are two other forms of G-10 that I would like to mention. The first of which is FR4, a fire retardant version of the original fiberglass and resin version of G-10. This is commonly known as Garolite. FR4 can be used in place of G-10 adding more protection to the components made with it, and has applications in a wide variety of mechanical insulation and electrical manufacturing processes.

The other variation of G-10 is a material called Micarta which is made just like G-10, except linen cloth is used in place of fiberglass. Micarta is light, durable, and does not have a surface texture of its own. It is smooth to the touch and it has a more elegant look than G-10, but can be scratched if not properly taken care of. This material is also very common in knife handle manufacturing. Unlike regular G-10 or FR4, Micarta requires some work be done by hand, and for that reason can sometimes increase the price of a better quality knife.

The original G-10 material most often comes in black but is also available in different colors; such as blue, green, orange, and tiger stripped to name a few. There is also a process where knife makers laminate mother of pearl, or other decorative materials to G-10 to create ornamental scales on the surface of the knife handle. Waterproof and chemical resistant the layering process used to make G-10 gives it a unique look when ground and polished. G-10 is most often textured with a checking pattern that really adds to its aesthetic appeal, but there are other gripping surfaces to choose from. The checking pattern seems to be a knife enthusiast favorite because of its gripping strength, and comfort.

So if you are looking for a top quality handle on the knives you use for work and recreation, available in many different colors and brand names, then G-10 may be the right fit for you. You will find G-10 used to make almost every style of knife you need including tactical folders, folding knives, fixed blade knives, hunting knives, survival knives, and utility knives. All the benefits of the G-10 handle make it a sound decision every time you shop for a knife.

Crafting Different Uses for Your Food Dehydrator – 10 Ideas to Get You Started

Let’s play a word association game. What is the first thing you think of when I say, “Dehydrator”?

Long-term food storage? Survival food? Fruit leather? Beef jerky? Craft projects?

Wait – “Craft projects?” From a food dehydrator? What kind of craft projects can possibly use a food dehydrator?

Quite a few, actually. Here are 10 ideas* to get you started.

  1. Dried apples aren’t just for eating. Slice apples into rings, dust with cinnamon or nutmeg if desired, and dehydrate. String them onto a length of jute cord, alternating with other dehydrated fruits, nuts, cinnamon sticks, and colorful strips of cloth tied in bows. Tie a knot in each end of the cord or tie ends together. Hang it on a wall, above a door or window, over a curtain rod. Drape it on a mantel or shelf.
  2. Fill a large decorative jar with dehydrated fruits, nuts, berries, flowers, and cornhusks. Seal it with a tight-fitting lid. Set it on a mantel, hutch, or table for a rustic look.
  3. Don’t throw out your flower bouquets! Dehydrate them while they still have color, then use them in arrangements, wreaths, or potpourri. You can dry the whole flower or just the petals.
  4. Dress up your yard sale, bazaar, or craft sale items. Tie dried flowers with a bit of ribbon or twine, then set them in a vase, pitcher, or crock. Mason jars could hold such treasures as home-made trail mix, dried fruit slices, and yogurt taffy. A pretty bowl might hold potpourri.
  5. Glue dehydrated flowers, nuts, fruit, and seed pods onto wood letters, then paint if desired. Attach the letters to a wood base for stability. Spell out your name for a unique desk plaque. Use thicker pieces of wood for individual, stand-alone letters.
  6. Use your dehydrator as a quick way to dry papier mache, clay figures, or plaster-of-paris. Tip: You may want to line the bottom of your dehydrator with parchment paper sheets or a tray liner for easy clean-up.
  7. Dough art is a fun way to get the whole family into crafting! With a basic recipe and a little imagination, you can turn out dozens of dough ornaments, plaques, and figures – perfect for any occasion! Using your dehydrator prevents the cracking, baking, breaking, and browning that can happen in the oven. When your work is dry, it’s ready to be painted and sealed.
  8. Make your own edible cake decorations in advance. Pipe frosting onto solid tray liners or plastic wrap sheets, then dehydrate. Have flowers, swirls, ropes, and dots ready when you need them!
  9. A plain wood frame becomes a work of art when you attach dehydrated items to it. Customize the frame to complement the picture it will hold.
  10. Dehydrated citrus fruits – oranges, lemons, limes, grapefruit – make interesting decorations. Thin slices tied with gold or silver cord can be hung on a Christmas tree or in a window. Use whole fruits as candle holders, paint or carve whimsical faces on them, or set them out as air fresheners. You can even use the rinds to make small dolls and animals.

With the yard sales and fairs of summer, the bazaars and craft sales of autumn, and the holidays of winter, now is a great time to be crafting. What will be your next project?

*Some of these items may be large, requiring removeable trays and door for maximum drying space. Be sure of your dehydrator’s capacity and capabilities before beginning your project.

Coral Calcium Powder

Calcium is an important element that serves as a building block of our skeletal system. It is important for blood clotting, regulating the heart's rhythm, and many other bodily functions. It also plays a vital role in various metabolic activities of the body, right from muscular contraction to hormonal secretion.

Coral reefs are home to a plethora of living organizations. Coral calcium is a salt of calcium that is obtained from fossil coral reefs. Certain substances in coral supposedly have curative and therapeutic properties that have made them much thought after. Due to this belief, they have been harvested at a rapid pace making them endangered.

Coral calcium is obtained by harvesting limestone deposits from coral reef by grinding them to a powder form. Coral calcium has trace minerals apart from salts of calcium. These trace elements are essential for several body functions. It is being marketed effectively as tablets, liquid as well as in the powder form.

Coral Calcium in the powder form has certain advantages over pills and tablets. It is easier to mix it with food or any drink than pills and tablets. Coral calcium in powder form is rapidly absorbed and gentler on the stomach.

Coral calcium is said to be a remedy for many ailments. It has been analyzed chemically and found that calcium from coral calcium has the same chemical content as that obtained from any other source of limestone. However people marketing coral calcium promote its use as an additional nutrient to build stronger bones, teeth and prevent osteoporosis.

Most countries have laws that prohibit harvesting coral. It can be harvested under certain regulatory bodies only. It is advisable that individuals should check the authenticity of coral calcium available for sale. The market unfortunately has lots of fake products, as coral is available in limited quantities.

Ednometriosis and Chemical Cells Salt – Calcarea Phosphorica (Calcium Phosphate, Ca3(Po4))

As we mentioned in other articles, endometriosis growing somewhere else other than the endometrium also reacts to hormonal signals of the monthly menstrual cycle, building up tissue by breaking it, and eliminating it through the menstrual period. As we know chemical cells salt play a very important role in some culture in treating some kinds of diseases. In this article, we will discuss how Calcarea Phosphorica (calcium phosphate, Ca3(Po4)) helps to treat endometriosis.

I. Definition

Calcarea Phosphorica (calcium phosphate, Ca3(Po4)), also known as phosphate of lime. it plays an important role for body growth and nourishment. It has been used in treating people with anemia in homeopathic medicine.

II. How Calcarea phosphorica (calcium phosphate, Ca3(Po4)) effects endometriosis

1. Anemia

Calcarea phosphorica is a homeopathic medicine that is said to helps increase the production of red blood cell and blood. It is essential for women with heavy blood flow during menstruation for replacing blood loss.

2. Tissue relaxation

It is also said to help support the body tissues, including the abdominal muscle tissue, thereby it helps to relax the muscle tension caused by hormone imbalance resulting in decreasing the menstrual cramps for women with endometriosis.

3. Coagulation

Calcarea phosphorica is also helps to support body tissues by blood clotting that helps to reduce excessive menstrual flow by helping the capillaries and blood vessels in the abdomen to clot.

4. Water retention

It also helps to stimulate waste disposal through lympathic functions thereby decreasing the risk of water retention caused by excessive sodium and deficiency of potassium.

5. Numbness and crawling

Numbness and crawling is caused by irregular function of tissues due to tension of nervous system. By improving the body tissues’ function such as muscle and blood flow, calcarea phosphorica helps to relax and reduce pain for women with endometriosis.

Understanding H2O At Home: Can You Really Make Money With H2O At Home?

H2O At Home is a direct sales company founded in 1997. They started off in France and opened shop in the USA in 2009. They offer clean, non-toxic, eco-friendly related products for a variety of purposes. Additionally, they offer a business opportunity for entrepreneurs looking to making an income marketing their company or its products.

The Thing:

H2O At Home offers natural home care, organic personal care, and natural home fragrance. They provide products using their “3 E Concepts”, Efficient, Eco-Friendly, and Easy To Use. Their products are not only designed to be effective, but more importantly safe! Therefore, no more fretting over your child potentially being able to get a hold of the harmful chemicals in your household!

  1. Natural Home Care – They have several home care related products in this category but overall it is designed to save you money, ban toxic-chemicals, give you the ability to clean with water and their non-toxic chemicals, use less product to get the job done, make the cleaning process faster and easier, and includes only natural ingredients. Such items included are their Cleaning Clay Kit for things like ceramic or ovens, Lime-scale remover, Purifying Laundry Power, and many others.
  2. Organic Personal Care – This category includes Facial Care, Body and Hair Care, and Microfiber Bath Towels and Accessories all with 100% natural and organic ingredients.
  3. Natural Home Fragrance – All the products in this category are made with 100% natural essential oils to provide a safer home while saving you money. Items included are Aroma-therapy, Scented Extracts, Essential Oil Diffusers, and many others!

The Opportunity:

The question still remains; can you really make money with H2O At Home? In order to answer this question accurately, we need to look into their Compensation Plan, which is awesome fun and exciting!

It appears that there are 4 ways you could start making money with H2O At Home such as Personal Sales, Team Members Sales, Bonuses, and Rewards. I will briefly explain them below!

  1. Personal Sales – You are able to profit 25% to 40% commission from all of your personal sales.
  2. Team Members Sales – With this payout, you can receive 10% of your personally enrolled down-line members’ sales.
  3. Bonuses – They offer a Fast Start Bonus, eligible for new members for their first 60 days to earn up to $400 in rewards or personally enrolling someone into your team.
  4. Rewards – This isn’t necessarily a payout, however, you could earn 10% to 15% of your product sales in free product. That’s right, free!

To Conclude, Yes, You Can Make Money With H2O At Home!

The Cost:

For some, this is the most important question before joining H2O At Home or any company like this! It’s important to remember, however, that all businesses require some type of start-up fee! However, in this industry, it is generally much cheaper to get started then it is in a traditional business that could cost around $30,000 to start!

In order to get started with H20 you need to purchase one of their Business Starter Kit!

  1. Business Kit – $99.00
  2. Executive Business Kit – $230.00

With both kits you are able to get a Personal Website to help market and grow your business online for free the first three months and then $13.00 thereafter.

Final Thoughts:

The products this company offers are decent and seem to be great for those wanting non-toxic cleaning and personal use chemicals! However, their prices for certain items are rather pricey and could damage your budget quickly!

The opportunity is weak sauce! They only have four payouts and all four are low percentages. Also, finding a pdf of their compensation plan is difficult to do, for whatever reason, which is never a good sign. You are, certainly, able to make an income from marketing this company, however, it doesn’t appear like you will become rich any time soon and for most of us, that’s the goal! To make money while helping others receive a better standard of living!

The cost is affordable but for a company founded in 1997, they should have more options to choose from! However, both kits come with enough business materials, sample products, and training to get your business going and growing immediately! Also, the personal website for the first three months is nice and the upkeep cost for it is not bad at all! However, if you know how to properly grow a business like this, a personal company website is a total waste of money!

*Dustin Hale is NOT affiliated with H2O At Home or their business/income opportunity!

Top 10 Party Rental List

Party Rental Top 10 – What to rent for your event…

When it comes to deciding what rental items are the perfect solution for your event, take a few minutes to consider what is popular at other peoples parties. This list is based on real experience supplying party rental items to events over a nearly 30 year period. Check out this list to help you know what you need for your next gathering!

  1. Tables
  2. Chairs
  3. Bounce houses
  4. Carnival Games
  5. Sound System
  6. Tents – Canopies
  7. Concession Machines
  8. Inflatable Slide
  9. Mechanical Bulls
  10. Decor Items

Those are the popular party rental items- but here are some more comprehensive lists of things we see getting rented:

Party and Event Support Rentals

– Tents

– Tables

– Chairs

– Linens

– Temporary Heaters

– Temporary Lighting

– Temporary Floors

– Fencing

– Generators, Power Services

– Sound Systems

– Digital Jukeboxes

– Balloons

– Decor

– Promotional Items

– Promotional Inflatables

– Inflatable Arches

– Dance Floors

– Stages

Party Entertainment Rentals

– Game Rentals

– Inflatable Rentals

– Video Game Rentals

– Carnival Games

– Picnic Games

– Arcade Games

– Table Games

– Interactive Games

– Carnival Rides

– Water Slides

– Dunk Tanks

– Jump Houses

– Inflatable Slides

– Hi Strikers

– Mechanical Bulls

– Ferris Wheels

– Spin Rides

– Mobile DJ’s and Emcees

– Clowns

– Face Painters

– Kids Games

– Arts and Craft Activities

– And more!

Planning a party? Top 10 Things to consider:

  1. Do you have a theme?
  2. How Many people are coming?
  3. What will be going on at the party?
  4. Where is the party to be held?
  5. What kind of food options will be provided (by whom)?
  6. What kind of budget do you have?
  7. How long is the party or event?
  8. Is there enough parking?
  9. Are there enough bathrooms?
  10. What about entertainment?

Party Rental companies come in all shapes and sizes- here are are some ways to make sure you are picking a quality provider:

  1. Call a provider and talk to them about your event, a reputable provider will be able to provide you with a quote either over the phone, or in many cases for larger rental orders via email, fax, or in some kind of typed format.
  2. Check that your provider is licensed to do business. Ask if they are, and check with your states corporation division to determine if the provider is in fact a legitimate business. There are many people who simply offer party rentals part time or as a second income- if your event is important to you, you will want to make sure you are contracting a professional, full time, event or party rental company.
  3. Ask to see a certificate of insurance for the company. Many of the smaller part time businesses, and some of the large rental companies out there do not carry insurance. You need to verify that you are doing business with a legitimate provider, who has insurance to protect you, them, and your guests from any unplanned accidents or occurrences.
  4. Get an invoice + service agreement. Sign it, date it, and return the agreement to the company. Without a signed agreement, chances are you do not have a contract. Be sure to read your invoice and agreement carefully- if you do not check to verify all the items you have on your party rental order are on the invoice, then do not be surprised when something does not make it to your event…
  5. Check Date, Time, Contact and Event location information on the agreement/invoice. Any information likle this can cause huge issues if it is incorrect. The day of the event, you want the right information on the invoice as that is what the party rental company will use to get to your location. A wrong address, combined with a wrong phone number can create a nightmare…

No matter what you rent for your party, the list above is important to follow.

Can Health Savings Account Funds Be Used To Pay For Health Insurance Premiums?

While Health Savings Account (HSA) funds can be used for a long list of health care expenses before you become 65, these funds cannot be used to pay your monthly premiums for your high-deductible health insurance. Once you turn 65, though, it’s a different story. At that time, you can withdraw money from your HSA to pay for anything without incurring a 20-percent penalty on the withdrawal. You will have to pay taxes on the withdrawal, though.

Health Savings Accounts May Be Used To Pay For Qualified Long-term Care Insurance

Health insurance is critically important, but it doesn’t cover a significant amount of the care that is often needed as people age. Long-term care insurance helps with the day-to-day assisted living expenses that aren’t covered by health insurance, including help that can keep you in your own home or increase care in an assisted living facility or nursing home.

By age 65, nearly 40 percent of people spend some time in a nursing home, which may only mean a short-term stay while recovering from a fall or other injury that makes independent living difficult. Neither Medicare, nor Medicare Supplement policies, covers long-term care expenses and those costs can be unmanageable. It’s typical for private nursing home costs to range from $65,000 to $90,000 per year!

When looking into long-term care plans, it is important to understand certain features that govern how the plans work. Be sure that your plan covers a range of locations, including adult day care, assisted living facilities and at-home services. Also, confirm exactly what triggers these benefits. Typically, the benefits become available when you are no longer able to perform at least two activities required during daily living.

Long-term care insurance also has limits on benefits, such as how much it will pay for a specific service or a period of time that it will cover a specific service. Even though the average stay in a nursing facility is about 2.5 years, you may want to see what it costs for lifetime coverage. On that note, you may also be interested in an inflation rider to protect you from inflationary cost increases.

Long-term care insurance also has elimination periods, during which you must pay for your long-term care expenses. Typically, the longer that period lasts, the lower the cost of coverage will be, much like the trade-off of low premiums for high-deductible health insurance.

What Else Can Health Savings Accounts Be Used To Fund?

You can withdraw funds from your HSA and pay for many services not covered by health insurance even before you turn 65. Common withdrawals include dental expenses because typical dental policies only have limited coverage for a restricted network of dentists.

Both mental and physical therapies may also be funded through an HSA. That includes services from psychoanalysts, psychiatrists, psychologists and psychotherapists. In terms of physical therapy, you can pay for chiropractor services, hydrotherapy and medical massage therapy from an HSA.

Other health-care related costs that health insurance rarely covers include acupuncture, aromatherapy, Ayurvedic Medicine, healing services provided by a Christian Science Practitioner or other type of healer, homeopathy and Traditional Chinese Medicine. All may be funded through an HSA.

With the wide range of health care that may be funded from an HSA, some lodging and transportation costs may be included, as well as disability-related expenses, including special telephone and TV equipment as well guide dogs expenses.

In addition, your HSA can be used to pay for these kinds of expenses that are incurred by your spouse or a dependent member of your family including same sex and domestic partners, even if they are not covered under the insurance policy.

A Glossary of Soccer Terms, Definitions, and Terminology

Like every sport, soccer has its own unique vocabulary, derived from years of history and tradition. Some soccer terms are familiar, others are a bit more obscure.

Added Time: Playing time added to the end of a half to compensate for playing time lost to injuries, substitutions, time-wasting, or other any other cause for which the referee deems appropriate. Also called “stoppage time”or “injury time.”

Advantage: A decision by the referee to allow play to continue, despite witnessing an act of foul play, when doing so would benefit the fouled team.

AR: An assistant referee

Assistant Referee: An official positioned along the touch line, who communicates with the referee by means of a flag signal; formerly called a “linesman.”

Attacker: A player who is in the opposing half of the field; or any player whose team is in possession of the ball.

Backpass: The common name for the technical offense of a keeper handling the ball following a deliberate kick or throw-in to him by a teammate, punishable by an indirect free kick.

Caution: A formal warning by the referee to a player or substitute whose behavior or play has become unacceptable, signified by the display of a yellow card.

Center Circle: A circle in the middle of the field marking the ten-yard radius from spot of a kick-off.

Charging: Bodily contact undertaken against an opponent in order to win or obtain possession of the ball. If done unfairly, it is a penal foul.

Club Linesman: A non-neutral official, pressed into service on one of the touchlines due to the absence of a qualified assistant referee, and asked to signal when the ball goes out of play.

Coach: The team official allowed along the sidelines, who is entitled to pass tactical advice and instruction during the match; sometimes called the manager.

Competition Authority: The organizing league or agency which is organizing a soccer competition.

Corner Arc: A one-yard quarter circle from the corner of the field, marking the spot for a corner kick.

Corner Kick: The restart of play occurring when the ball passes over the end line after last being touched by a defender.

CR: The referee (or “center referee”).

Dangerous Play: A technical foul, consisting of any act considered by the referee to be dangerous to an opposing player.

Defender: A player on his own half of the field; or a player whose team is not in possession of the ball.

Direct Free Kick: A free kick from which a goal may be scored, awarded as a result of a penal foul.

Dissent: A form of misconduct consisting of protesting a call by any of the officials, punishable by a yellow card.

Dropped Ball: A means of restarting play after a stoppage caused by something other than an offense by a player. Also called a “drop ball.”

End Line: The boundary line at each end of the field, upon which each set of goals rests. Also called a “goal line” or “bi-line.”

Extra Time: The additional period or periods of play to obtain a result at the end of a match that ends in a draw, usually during the later stages of tournament play where the match requires a winner.

Free Kick: A kick awarded to a team due to an infraction committed by the opposing team, free from interference by the opponents.

Fourth Official: An extra official appointed by the competition authorities to assist at the match and serve as a substitute official for the referee or assistant referee.

Game Report: The official account of a match, including the score and any misconducts issued, prepared by the referee.

Goal: (1) The targets of both teams, consisting of two uprights and a crossbar, placed at the end line on opposite ends of the field and defended by each respective team. (2) A score, occurring when the ball passes entirely over the end line and into the goal.

Goalkeeper: The player on each team designated as the one entitled to handle the ball inside its own penalty area and required to wear a distinct jersey, different from the rest of the team.

Goal Line: The end line; usually, the end line between the goal posts.

Goal Posts: The physical boundaries of the goal, usually made of metal or wood; often described by their components, consisting of a cross bar, and two upright posts.

Half-time: The interval of time between the end of the first half, and the beginning of the second half of a soccer game.

Half-way Line: The physical line marking the center of the field extending from one touchline to the other.

Handball: Another name for “handling.”

Handling: A penal foul, consisting of the deliberate use of the arm or body to control the ball. A goalkeeper cannot be guilty of handling the ball inside his own penalty area.

Holding: A penal foul, consisting of unfairly hindering or restraining the progress of an opponent, usually by means of the arms or hands.

Impeding: The act of physically obstructing or impeding the progress of an opponent. Also known as “Obstructing.”

Indirect Free Kick: A free kick which requires a touch on the ball by a second player before a goal may be scored, awarded as a result of a technical or non-penal infraction.

Jumping: The act of leaving the ground under one’s own power by leaping. If directed at an opposing player in an unfair manner to prevent the opponent from making a play on the ball, it is a penal foul.

Keeper: A goalkeeper.

Kicking: A penal foul consisting of unfair contact against an opponent by means of the foot or leg.

Kick-off: The means of starting a half, or restarting the game following a goal, taking place from the middle of the center circle.

Kicks from the Mark: A method of obtaining a result following a draw, where the rules of the competition require a winner, consisting of a series of penalty kicks.

Misconduct: An act deemed by the referee to be unsporting, reckless, violent, or flagrantly in violation of the laws and spirit of the game, and punishable by a caution (and yellow card) or a send-off (and red card).

Offside Line: An imaginary line signifying the furthest point down field that an attacker may be without risk of being penalized for being offside.

Offside Offense: The act of participating in play from an offside position. Also called “offside infraction.”

Offside Position: A position in the attacking half of the field in which a player is closer to the opposing goal than (a) the ball, as well as (b) the next-to-last defender.

Obstructing: The act of physically obstructing or impeding the progress of an opponent. Also known as “impeding.”

Outside Agency: Any force acting on or influencing a match which is not part of game, or part of the physical field.

Penal Foul: An infraction resulting in a direct free kick; often called simply a “foul.”

Penalty Arc: The marked arc extending outside the boundary of each penalty area, marking 10 yards from the penalty spot.

Penalty Area: The marked area around each goal, measuring 18×44 yards, within which the defending keeper has the privilege of handling the ball, and inside which a penal foul by the defensive team will result in a penalty kick.

Penalty Kick: A direct free kick from the penalty spot, pitting the attacker taking the kick directly against the defending keeper; sometimes called a “spot kick.”

Penalty Spot: The marked spot 12 yards from the middle of each goal, from which penalty kicks are taken.

Persistent Infringement: The misconduct of continuous or repeated foul play, punishable by a yellow card.

Pitch: Another name for the soccer field.

Player: A competitor at a soccer game.

Pushing: A penal foul resulting from the unfair use of the arms or body to push, shove, or otherwise force an opponent into changing position or direction.

Red Card: The misconduct card shown to a player who is being sent off either for a serious act of misconduct, or for receiving a second caution.

Referee: The match official responsible for supervising and controlling a soccer match; also called a “Center Referee” or “CR.” Often called other names, as well.

Restart: Any method of resuming the game after a stoppage of play.

Result: The final outcome of a soccer match, whether a draw, or a victory by the team scoring the greater number of goals.

Send-off: The dismissal of a player following the display of a red card, either for a serious act of misconduct or for receiving a second caution in the same match.

Serious Foul Play: A misconduct, often violent, which consists of the clearly disproportionate use of physical force against an opponent during a contest for the ball on the field, and while the ball is in play.

Spitting: A penal foul, consisting of the deliberate attempt to direct bodily fluid from the mouth onto the person of someone else. It is also an act of misconduct, punishable by a red card.

Striking: A penal foul, most often resulting from the unfair use of the hands or body to hit an opposing player, or to hurl an object that strikes an opposing player. If done intentionally, it is usually a misconduct, often a form of violent conduct.

Stoppage Time: Playing time added to the end of each half at the discretion of the referee to compensate for lost playing time; see “Added Time.”

Substitute: A non-participating player along the sidelines, who is eligible to replace a player on the field.

Tackle: An attempt to obtain possession of the ball by using the feet. If a tackle results in contact with an opposing player before contact is made with the ball, it is a penal foul.

Throw-in: The method of restarting play after the ball has gone out of bounds over a touch line.

Touch Line: The boundary lines marking each sideline of the field.

Tripping: The penal foul of tripping an opponent.

Unsporting Behavior: The most common form of misconduct, consisting of conduct or play which the referee deems to be unacceptable. Consisting of a wide range of misbehavior, it is punishable by a yellow card.

Violent Conduct: A misconduct consisting of a violent act against any person at a soccer match, punishable by a red card.

Yellow Card: The misconduct card shown to a player who is being cautioned by the referee for an act of misconduct.

Text Your Ex Back – When And How To Use Best Of The Relationship Texts

In his bestselling PDF download, Text Your Ex Back, Michael Fiore talks about using “best of the relationship” texts as part of an overall plan to get your ex back after a breakup. The central idea is that carefully crafted text messages sent from your iPhone or other smart phone can open your ex up to the idea of being with you again.

It may seem farfetched to some, but these are usually the people who underestimate text messages as a powerful and extremely useful form of communication that gives you incredible access to your ex in a personal, private, and intimate way.

Best of the relationship texts use emotional language to plant positive thoughts and emotions in your ex’s mind. They are based on the best memories and experiences you and your ex have shared so you’ll need to do a little homework before you start using them.

Think about all the positive things that drew you and your ex together. What were the best experiences you shared together? Were they adventures? Were they romantic or sexual? Were they spent with friends and family? Through emotional language, you will take these memories and experiences and make them as real as possible so your ex thinks about you in a positive way.

When you first start texting your ex, best of the relationship texts won’t be your best bet. You need to establish a little bit of communication with your ex before you start using them. In Text Your Ex Back, Michael Fiore recommends using an “across the bow” text to get the ball rolling. Only then do best of the relationship texts come into play.

So how do you combine best of the relationship texts with emotional language to create a powerful text message effect that will resonate with your ex? You have to understand what emotional language is.

Michael Fiore says, “Emotional language are the words that bypass the critical mind of whoever you’re talking to and appeal directly to their ‘Lizard Brain’ in a way they almost can’t resist”. He uses an example of the word “beat” versus the word “obliterate”. Can you see how much more powerful the latter is?

When you use best of the relationship texts you’ll be focusing on memories… good memories. So you’ll be asking your ex to remember something positive and fun, and you’ll be directing that memory in their mind.

For example, “Remember that time we raced those Go Karts at the county track? You were so excited when you bumped my rear and made me spin out so you could pass me and beat me. Brat. It was a blast though and you looked good with your cute little racer’s helmet.”

Just remember to focus on fun, happy, and pleasurable experiences to direct your ex into thinking positive thoughts about you.