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      "author": "steemitboard",
      "permlink": "steemitboard-notify-publicinfo-20200305t174312000z",
      "title": "",
      "body": "Congratulations @publicinfo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@publicinfo/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@publicinfo) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=publicinfo)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemitboard/@steemitboard/use-your-witness-votes-and-get-the-community-badge\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmTugCUsoXX762vg1CuHRrpnPbfnjPogp8iCGv7F2kSVuj/image.png\"></a></td><td><a href=\"https://steemit.com/steemitboard/@steemitboard/use-your-witness-votes-and-get-the-community-badge\">Use your witness votes and get the Community Badge</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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      "author": "steemitboard",
      "permlink": "steemitboard-notify-publicinfo-20190304t174353000z",
      "title": "",
      "body": "Congratulations @publicinfo! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@publicinfo/birthday1.png</td><td>Happy Birthday! - You are on the Steem blockchain for 1 year!</td></tr></table>\n\n<sub>_[Click here to view your Board](https://steemitboard.com/@publicinfo)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/carnival/@steemitboard/carnival-2019\"><img src=\"https://steemitimages.com/64x128/http://i.cubeupload.com/rltzHT.png\"></a></td><td><a href=\"https://steemit.com/carnival/@steemitboard/carnival-2019\">Carnival Challenge - Collect badge and win 5 STEEM</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) and get one more award and increased upvotes!",
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      "permlink": "holidays-best-selling-toys",
      "title": "Holiday's Best Selling Toys",
      "body": "\nThis holiday season has sent parents in droves to find the ideal gifts for their sons and daughters. So, what is it that your children are dying to have?\n\nOne of the biggest sellers this year is anything to do with Stars Wars! With the release of the final prequel on DVD, children are prepared to fight the dark side with lightsabers, action figures, and Darth Vadar voice changing masks. For boys and girls alike, this is a guaranteed pleaser.\n\nAlso making an appearance on Christmas lists this year are the dolls and accessories from the movie, \"Barbie and the Magic of Pegasus\". Mattel Entertainment manages to perfectly time the release of their Barbie series movies every year to play in perfectly with the holiday season. This year has been no different. Little girls everywhere will be waking up to Princess Annika and her flying horse. \n\nFor younger children, Fisher-Price's Tumble Time Tigger is a must for this holiday season. This loveable Winnie the Pooh character does cartwheels, stands on his head, and dances. He is also sound-activated, so he will keep going with your child's laughter and clapping.\n\nBRATZ dolls are also big with girls this year. Not only do they have the regular line, but the secondary line of BRATZ Big Babyz is a new twist on an already popular trend. However, some parents are resisting their daughters' pleas, as these dolls are known for their scantily designed clothes and controversial trade name.\n\nIf you remember the hysteria over Tickle Me Elmo a few years ago (like anyone can forget), then it should be of no surprise that Elmo is big again this year with the \"Shout!\" Dancing Elmo Doll. This adorable Sesame Street native is getting kids moving with his rendition of \"Make Me Wanna Shout!\" and a dance to go along with it. No one can resist such a cute little monster!\n\nAquadoodle is another ingenious gift idea by Spinmasters. This is a large pad that allows children to draw with a \"magic\" pen filled with water, which disappears in a short time. Therefore, there is no mess to clean up and this pen will not end up decorating your walls.\n\nVTech V.Smile TV Learning System is an answer to the video game craze, but is targeted more toward education. These games teach children from ages 3-7 math skills, English, reasoning, and science and plug directly into your television for convenience.\n\nThe various LeapFrog Learning products are also an option for making learning fun. With several choices to focus on different age levels and information categories, you can find exactly what will be most beneficial for your child. You can choose laptops, reading systems, or math games to give the gift of knowledge this holiday season.\n\n\n\n\n\n\n",
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      "permlink": "winning-logo-design-how-to-earn-big-money-from-your-logo-designs",
      "title": "Winning Logo Design - How to earn big money from your logo designs",
      "body": "\nMaking a living out of selling Logo Designs can be fraught with danger. Cuthroats willing to slash your throat on street corners, drug crazed thugs and conniving conmen are just some of the things to avoid. Its a jungle out there so make sure your logo design is bulletproof.\n\nBuy Low - Sell high\nIn terms of outlay the resources you'll need to produce your logo designs are pretty minimal and the returns can be huge. What you'll need is either a pen and paper or in todays modern fangled world a mouse and computer to produce your designs. Pop along to your local electrical retailer and see what offers they've got on for computers. Alternatively make one yourself out of an old radio and a broken down TV. Hey presto a fully functioning desktop publishing empire for the price of a cup of tea.\n\nLook close to home for design inspiration\nNow that you're fully set up to produce quality logo designs, you've actually got to come up with some rather fancy ideas. A good place to go for inspiration is the front living room where you'll be amazed to find lots of branded products just waiting to be copied and served up as your own logo design ideas. Another place you might want to look at is your own kitchen. Go on, take a look in your fridge - it's brimming with things like cream cheese, beefburgers and probably some skanky vegetables. If that doesn't inspire you to create, I don't know what will\n\nHands up who wants a logo?\nYour hardest task in making your logos pay for your living is going to be finding anyone vaguely interested in what you have to offer. Once you've asked your small circle of friends and family for the umpteenth time whether they want to pay you to produce a logo for them, its time to look at advertising your services to a wider audience. Try producing a TV commercial using a movie camera and the help of a local TV production crew. Once your ad is shown on primetime TV those orders will start to rollin...\n\n...or they would have done, but for one fact on this journey of self discovery we forgot to build ourselves a website or leave a contact number for people to call. In hindsight remember to have a website designer build you a logo design website before you spend thousands on producing your tv ad. OK, for arguments sake lets say we had a website ready beforehand and now we've got something like 200 logos to produce, how are we going to cope? Outsource, my friend and soon like this article recommends - you'll be earning BIG BIG moneys baby. Damned right.\n\n\n\n\n\n\n",
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      "permlink": "pro-bass-fishing-an-inside-view",
      "title": "Pro Bass Fishing: An Inside View",
      "body": "\nFishing is much known as a profession or a form of occupation. People do catches fishes and other aqua marine products to have something to eat and to have something for their living.\n\nThey spend money for fishing for they can earn from this. They spend for equipments and gears. They spend for improvements of their fishing for the make this as a business.\n\nFor some people, especially those outgoing and adventurous, fishing is a matter of sport and game. They do fishing for their enjoyment and relaxation. They entertain their selves through fishing because they can get peace of mind and calmness in the said activity.\n\nBass fly fishing is a type of fishing that involves using an artificial fly. It is different from traditional fishing methods in that fly anglers cast a hook that generally has bits of feather, fur, foam, yarn, or other similar material attached using thread to form what is referred to as a 'fly', as opposed to using worms or other bait.\n\nPro bass fishing is just like the ordinary fly fishing that we know. The only difference is that it entails the presence of professionals in fishing. These professionals are those that are well respected in the line of fishing. They were considered professionals because of their dedication and love in fishing including their contributions.\n\nThere are the types of fly fishing. The best known and the most classic is he dry fly fishing. The fisherman uses an artificial fly, which he casts so that it will float on the water. The fly will pass over the fish, which will hopefully rise up and bite it. The fisherman then tries to control the fish's attempts to escape, tiring it enough to bring it in to be retrieved from the water with a landing net.\n\nMany anglers prefer this type of fly fishing because everything can be seen - the angler casts at a fish he can see, the fly is easily visible on the surface of the water, and he can see the fish take the fly. The only drawback to this is that trout and other fish tend to feed underwater, and therefore are not as likely to come up to take a dry fly.\n\nThe second form of fly fishing is what is known as nymph fishing. When the flies lay eggs in the river or lake, the eggs hatch out as nymphs, make their way to the surface and they hatch into a fly. Therefore, nymph fishing utilizes imitations of different nymphs that are weighted to stay below the surface of the water. This type of fishing is often considered more challenging, as all the action takes place beneath the surface.\n\nBass fly fishing has become an increasingly popular sport, and most anglers will agree that it's not just about catching fish. Some anglers would even regard fly fishing as a kind of religion, and most consider it a relaxing pastime that can be enjoyed by people from all walks of life. It also appeals to the more environmentally conscious, as it is less harmful to the fish than many other techniques, and most anglers return their catch.\n\nPro bass fly fishing requires gears and equipments that will aide the fisher to a more productive and fruitful fishing. There are gears that are widely used and there are also some that especially used by pro bass fishers.\n\nThe rod is the fisherman's most important piece of equipment, and should be chosen with care. For beginners, a basic rod-and-reel set is enough; the features and materials aren't necessarily important. It is more important that the beginning fisherman learn how to use the rod, and become comfortable with it before moving on to more complex pieces of equipment.\n\nPro bass fishing gives not only relaxation and much of enjoyment, but it also give way to amateur fishers to prove something into their selves that they have the talents in fishing because of the challenges being offered by the sport.\n\nThe fishing sport not just offer things fishing, it also provides things that are in with nature. In fishing, the enthusiast used to learn how to love the environment because of the settings and locations of the activities which are always beyond the beauty of the nature.\n\nPro bass fishing not only entertains, it also provides a whole new world of adventures.\n\n\n\n\n\n\n",
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      "permlink": "home-improvement-loans",
      "title": "Home Improvement Loans",
      "body": "\nOnce you own a home, you'll get the urge to make home improvements. Often, you'll need a home improvement loan. \n\nHome Improvement Loans\n\nWhether you've lived in a home for years or just purchased it, you'll get the urge to make improvements. It's a natural urge to want to redo bathrooms and kitchens or perhaps have a go at the landscape. Room additions are also popular, particularly if you're planning for an addition to the family. Room additions become extremely popular when you aren't planning for a family addition, but have one coming anyway!\n\nIf you're going to make improvements, you are often going to need funds to make them. This is where home improvement loans come in. Such loans typically come in two forms, a home equity line of credit and a home improvement loan 2nd deed of trust. \n\nHome equity lines of credits, known as HELOCs, are excellent options if you equity built up in the loan. Essentially, a lender will grant you a credit line equal to a percentage of the equity secured by a 2nd trust deed on the property. As you make improvements, you simply write checks off the line to cover the costs. Importantly, check with your tax professional to see if part or all of the repayment of the HELOC is tax deductible. Usually, you'll get a significant write-off. \n\nIf you've just moved into the home and don't have much equity, you will want to look at a home improvement loan. As with the HELOC, a lender will issue you a loan in exchange for a 2nd trust deed on the property. The difference, however, is a lender will issue you a loan in excess of the home value, often to as much as 125 percent of the current appraised value. This gives you the cash necessary to make improvements even though you don't have much equity in the home. \n\nImproving your home is a natural evolution of the ownership experience. Home improvement loans and home equity lines of credit give you the ability to realize your dreams.\n\n\n\n\n\n\n",
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      "permlink": "10-resume-writing-tips-to-land-you-your-dream-job",
      "title": "10 Resume writing tips to land you your dream job",
      "body": "\nImagine yourself sitting in an employer's desk with hundreds of resumes falling in on your desk against a vacancy declared by you in your company. \nNumber of vacancy - 1, and number of applicants - innumerable. \nAs an employer it is your responsibility to select the most deserving, suitable and competent candidate. So it is up to the candidate to snatch the employer's attention out of those hundreds of resume application. As such, writing a resume is all about knowing what employers specifically look for in an applicant's application. So, never make the mistake of underestimating the importance of a \"good and eye-catching resume\".\n\nNow, a good and a perfect resume is not an allegory. Neither has it anything to do with the elite schools or exceptional work experience. A blue collar worker may have a exceptional CV, while the resume of a white collar professional may have a poorly written one. A good resume is your first step at the door of a good job; you must well-understand that it is your representative to an employer before you get there. A resume centers round the detailed info about a candidate that is truthful, brief and to the point; not something that is exaggerated or unnecessarily long. \n\nThere are certain things that a good and perfect curriculum vita has within its set margins. \n\n1.\tFirst of all, decide the format of your resume. Decide whether you want it to be in a functional or chronological format.\n2.\tWrite your resume in active verbs.\n3.\tHighlight your skills and objectives. Make it your resume headline.\n4.\tBe specific about your professional background. If you are an experienced person, mention your tenure with previous employers; and in case you are a fresher, define your professional qualifications.\n5.\tDefine your current pay scale. And don't forget to put down your expected salary.\n6.\tIf your CV is targeted towards a specific career path or employer, then you must know all their requirements and mention them in your resume very clearly. Research and know the qualities that will prove to be beneficial to the employer and think about how your capabilities match those qualities.\n7.\tNext, be particular to provide every minute personal detail. Highlight your contact details.\n8.\tBe professional, concise, brief and clean. Avoid from being too flashy with your resume design.\n9.\tStick to writing one page cover letter as far as possible.\n10.\tLast but not the least, be sure to edit and re-edit your resume once you are done with writing it.\n\nRemember, the objective of your resume is to unleash your accomplishments and qualifications to the employer's committee. Think it to be a promotional brochure, a pamphlet displaying your organizational and career skills.\n\n\n\n\n\n\n",
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      "permlink": "regional-cuisine-down-home-southern-cooking",
      "title": "Regional Cuisine ' Down Home Southern Cooking",
      "body": "\nI grew up in New England, the home of 'plain cooking', where corn on the cob is served as is with a slab of butter and a sprinkle of salt and pepper. We boil salted meats with vegetables and call it ' well, a boiled dinner. Our clam chowder is white, our baked beans have bacon and molasses in them, and no one in the world has ever invented a food that was improved by the addition of curry. By the time I was eighteen, I could boil a lobster, steam clams and grill a pork chop to perfection. Then I moved to Virginia, picked up a roommate from North Carolina ' and discovered a whole new world of down home country cooking goodness.\n\nTo an All-American Italian girl from Boston, the menus in restaurants were in a foreign language. Chicken-fried steak, grits, corn pone pudding, strawberry rhubarb pie ' sweet potato pie?? In my mind, chicken and steak were two different meats, grits is what's on sandpaper, corn is a vegetable ' and what in the world is sweet potato doing in a crust? But I became a fervent convert to Southern cooking the first time my roommate made up a pan of the sweetest, tastiest, most perfectly melt-in-your-mouth delicious Southern baking powder biscuits and topped them with sausage gravy. From that day on, I was Sue's disciple, standing at her elbow as she diced scallions to make up a mess of pinto beans, stirred the milk into a pan of drippings for milk gravy and rolled thin steak strips in chicken batter to make chicken-fried steak.\n\nDown home southern cooking is no different than New England plain cooking ' at least at its most basic level. Like any other regional style of cooking, it makes use of the ingredients that are plentiful and cheap. In New England we gussy up our dried beans with brown sugar and molasses, and serve them with thick, sweet heavy brown bread dotted with raisins ' perfect fare for cold winter nights. In North Carolina, they simmer for hours with salt pork and onions and served with scallions for scooping and a side of flaky biscuits cut out of dough with a juice glass. Salty, spicy and flaky-good all at once, it's a down home meal that makes my mouth water just to remember.\n\nSome dishes just don't translate, though. There is no New England substitute for a Southern barbecue sandwich ' shredded pork simmered with spices for hours and ladled over buns in a 'sandwich' that really requires a fork. The ubiquitous 'sloppy joe' just doesn't cut it. It lacks the spicy-sweet tang and buttery texture of real slow-simmered pork barbecue. Nor is there anything that compares with chicken fried steak ' a dish that can't be described in words without selling it short. If you've had it, you KNOW how good it is. If you haven't, the idea of dredging and dipping strips of beef and frying it like chicken just doesn't do it justice.\n\nMy New England Italian roots show wherever I go. Lasagna will always be a favorite meal, and New England boiled dinners still make my mouth water. But I know, deep in my soul, that when I go to Heaven, the diners will serve flaky Southern biscuits with sausage gravy and chicken fried steak. Some temptations even the angels can't resist.\n\n\n\n\n\n\n",
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      "permlink": "depression-free-lifestyle",
      "title": "Depression-Free Lifestyle",
      "body": "\nDepression as a condition is not the same as the feeling of being depressed from time to time due to certain circumstances. However, some people may already have a mental illness without recognizing it or even if they do, they may still remain in denial. Depression is said to be caused by various factors such as genetics, chemical imbalances in the brain, and stressful events or situations in life. Depression is also a condition that lasts for a long time which primarily differentiates it from occasional feelings of being depressed. It is also an illness, a mental one that needs professional help and should not be attempted to be handled alone without the advice of experts. Depression is a very sensitive condition and any wrong or inappropriate treatment or management applied may immediately worsen the condition or complicate the situation even more. This is the same reason why people who are not diagnosed properly or who do not recognize having this condition are terribly in danger.  \n\nThere are certain activities and food or supplements, however, that can be done and taken to generally improve any person's mood or state of mind. Basically, changes in mood are governed by the activities of certain chemicals in the brain. Chemicals that are mostly associated with depression are serotonin and norepinephrine. When these chemicals are minimally transmitted or absorbed during certain processes in the brain, a person usually feels negative feelings like sadness or stress. When a person's brain frequently experiences this or when the levels of serotonin and norepinephrine are extremely lacking, this then results to the famous condition of depression. Certain activities can be done as well as food or supplements that can be consumed to increase the availability, transmission, or absorption of serotonin and norepinephrine in the brain which consequently will cause improvement in a person's mood. The activities mentioned earlier that aims to improve a person's mood or state of mind are based on this principle of countering the lack of chemicals and their activities in the brain. \n\nSleep Modulation ' Sleep deprivation is said to be associated with some cases of depression. However, oversleeping is also said to cause low levels of mood. It is, therefore, important to get just the right amount of sleep every time. This way, the right kind of mood is also generated. Knowing the right amount of sleep needed to have the right kind of mood is through observing the changes in one's mood relative the length of hours asleep. In addition, it is said that waking up early is also important because the ultraviolet light of the sun at those hours cause positive effects to the chemistry within the brain. \n\nExercise and Sun Exposure ' It is already well-recognized that exercise produces good outcomes for a person's physical health. Little is known, however, of the positive effects of exercise to one's mental health. According to some studies, exercise increases the amount of serotonin produced in the brain. The more serotonin, the better the mood a person has. Also, some research results indicate that lack of sun exposure does not only cause physical illnesses but also low emotional levels. This is the reason why during winter, when the sun exposure is very minimal, people usually feel fatigue, irritable, and sleepy. Activities that include greater sun exposure, therefore, causes positive effects to one's mental health. \n\nFood Intake and Supplementation ' Nutrients needed by one's body is contained in different kinds of food. This is the reason why since childhood, people are taught to eat food that are rich in nutrients like vegetables. For a more concentrated amount of nutrients, one can make use of supplements. There are various kinds of supplements already available nowadays in the market. The important information to remember, however, knows what kind of nutrient that is most needed by the body and what nutrients are directly related to mood enhancement. According to several studies, increasing the amount of vitamins E, B6, B12, and C, folic acid, and magnesium can help improve the state of mind of people with depression. Substances such as St. John's Wort and Ginkgo are also observed to have mood enhancing properties.  \n\nCertain situations, however, cannot be managed simply by the techniques stated above. In those cases, use of medications is already inevitable. Well-known treatments for depression are Fluoxetine and Prozac which are only used upon the orders or prescriptions of doctors. Without proper prescription, this can be highly addictive and dangerous to any person. It is, therefore, never advisable to do any kind or form of self-medication and regulation.\n\n\n\n\n\n\n",
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      "permlink": "proper-golf-attire-is-good-for-the-golf-course-establishment",
      "title": "Proper Golf Attire Is Good For The Golf Course Establishment",
      "body": "\nMost golf courses have made rules and regulations about proper dress attire. If you feel comfortable playing golf in shorts and a t-shirt, make sure you call ahead and check the dress code rules. Not all golf courses have a dress code, but the majority does.\n\nIf you're on the way to the golf course and your buddy is reading this article from your laptop, you do not have to turn around if you're wearing your favorite tee shirt and bathing suit. The vast majority of golf courses have a pro shop to upgrade your dress attire. Now if you elected to leave your wallet at home and only bring your license, find a safe place to turn around.\n\nStepping up to the tee box with your best-cut offs and favorite t-shirt is pretty unusual these days. That type of golf wear only looks good on the beach according to a lot of golf courses. Years ago golf courses did not frown upon improper dress attire, because of the lack of golfers. We all know how things have changed dramatically over the years.\n\nThere is a good reason for mandatory golf wears, such as a collar shirt, shoes and socks. In order to keep other members from taking the high road and going elsewhere, golf courses have made changes over the years to keep golfers and dedicated members, and or potential new members to come back to play their golf course.\n\nThe golf course is running a business function. In order to set a good impression, both the golf course and members must look good to attract other members to their establishment. Therefore there is a dress code in place at most golf courses. The golf course establishment wants you to feel good and look like a pro. It helps keep existing cliental and attracts other golfers to come back to their golf establishment. After all, if your girlfriend's parents invited you to one of their business functions. Would you show up wearing cut offs and a t-shirt?\n\n\n\n\n\n\n",
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      "permlink": "the-garden-gnomes",
      "title": "The Garden Gnomes",
      "body": "\nThe Garden Gnome is not just another yard figurine. It has it's own distinguished history, culture and controversy attached to it. Before you buy a Garden Gnome for your home be sure to know all of the factors that go along with it.\n\nFor starters the history of the Garden Gnome dates back to Germany in the 1800's. The original statues were made out of clay and were hand crafted. They then made their way to England in the mid 1800s. Around the late 1800's to the 1900's they made their way into America. During WWII production of these figurines came to an abrupt halt. The German factories were commandeered and converted to support the war efforts. In 1960's the gnomes picked up popularity again however, they were mass-produced using plastic. Because so many of them were produced they gained the stigma for being a tacky lawn ornament. The clay hand carved Garden Gnomes have been family heirlooms for many families. The Clay figurines are making a come back of sorts, more companies are reviving the old tradition.\n\nAny Garden Gnome enthusiast will tell you that Garden Gnomes are wonderful creatures that are very good luck to have in your garden. They are primarily vegetarians, joyful little people who enjoy having fun and helping out with things. It is believed that having one in your garden will be helpful in the day-to-day activities that are necessary to proper garden management. It is believed that they have an excellent ability to be able to reflect on history and an even better perspective on the future.\n\nNot all people have such a jovial perception of the Garden Gnome. There are some that disagree with the use of the Garden Gnome. They believe that to have a Garden Gnome in the home is slavery and that the Garden Gnome should be freed. There are groups that will take a Garden Gnome from a yard if they see it. Relocating it to the forest where they believe they find their freedom. A few of the groups choose to operate under the raidar, sneaking into people's yards and stealing these figurines. There is a political group that actively lobbies for the ban of Garden Gnome slavery.\n\nWhether you are a follower of the Garden Gnome culture or just someone who thinks they are cut enough to go in your yard these figurines have a lot of history behind them and can be a wonderful addition to your yard. Just be sure to keep them away from the gnome liberators if you would like to keep them for a long period of time.\n\n\n\n\n\n\n",
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      "permlink": "parks-and-gardens-in-chesterfield-to-enjoy-during-the-summer",
      "title": "Parks And Gardens In Chesterfield To Enjoy During The Summer",
      "body": "\nThere's nothing healthier or better for you than the great outdoors. Whether you want to get out and walk the dog or go for a cycle ride, then the parks in Chesterfield are some of the best parks around.\n\nHere's a small summary and a little bit of information of just some of the parks in and around the chesterfield area.\n\nQueens Park\n\nQueens Park is the largest of the Chesterfield Town Parks, and is located in Chesterfield town centre. Queens Park is currently in the process of a full re-generation which will include new toilet facilities, a restored and re-modelled boating lake, a new hospitality area big enough for up to three marquees and the restoration of the grade II listed glass house. The grade II listed bandstand in Queens Park has also been completely restored to its former glory. These are just some of the projects being funded by Chesterfield Borough Council and the heritage lottery.\n\nQueens Park is located behind the Queens Leisure Centre in Chesterfield town centre. The Leisure Centre offers a full range of services including Badminton Courts, a 33 metre 6 lane swimming pool, teaching and beached baby pool, Gym, Indoor Sports Hall and a cafeteria. There are several car parks surrounding the park, all for a small charge, can be used.\n\nThere is also a boating lake, which recently flooded in the heavy rains, as well as a railway track. The little train that runs around the track has recently been in the local press as local children won the right to name him Puffin Billy.\n\nSomersall Park\n\nSomersall is a smaller residential park located slightly off the beaten track where Chesterfield Golf Club first started in 1897. Its first members played a nine hole course in Somersall Park. The Club moved to its present site in 1906 when Somersall Park proved to be too short. As well as having playing fields, a fun playground and a cricket pavilion, Somersall Park also has recycling facilities located in the car park.\n\nThe river Hipper runs through Somersall Park which is great for the dogs and the kids in the summer!\n\nHunloke Community Garden\n\nHunloke Community Garden can be found just off the A61 in Chesterfield and is easily found by following the brown Tourist Info signs from the main rd. The Garden was created by the local people on an old derelict field and is now a fully operational nursery growing vegetables and plants for sale. There is also an orchard and a pond which has become a haven for various wildlife.\n\nHunloke Community Garden is open 9am to 4pm during the week in the winter and 9am to 6pm every day during the summer.\n\nPools Brook Country Park\n\nPools Brook Country Park is Chesterfield's newest and largest park situated on Inkersal road, Pools Brook, Chesterfield and is signposted from the A632. It's built on reclaimed colliery land and is a very important site locally for biodiversity. It has a variety of habitats including lakes, meadows and woodlands.\n\nThe Country Park is very popular with local wildlife as well as the residents of Chesterfield and surrounding areas. The fishing lake at Pools Brook Country Park is also a hit with local anglers.\n\nThere is a visitor's centre where you can pick up information about the various woodland walkways and there's also a Community Caf'.\n\n\n\n\n\n\n",
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      "permlink": "avoid-affiliate-scams",
      "title": "Avoid Affiliate Scams",
      "body": "\nEveryone hates scams and scammers, so here are some tips to avoid them.\n\nAffiliate marketing can be a fun way to make money, but it can also be a nightmare if you fall into the traps of the internet.  The key to successful affiliate marketing is to find the right program.  You might find a decent affiliate program, but then find out that they don't pay you on time, or at all!  After all your hard work of promoting, you fin that the company won't pay you.  Now that will raise your blood pressure in a heart beat!  So, how do you find the programs that do not just take your money and run? \n\nHow to avoid scams: One of the main factors is to do your research well. Take a look at these questions before joining:\n\n1. Does the company have good support? Do they answer emails and have good contact information?\n\n2. Do they have a real offline address?\n\n3. Do they pay a good commission %. Shoot for 40% - 50%.  (I know of a program where you can sell an item for about 400 dollars, and you get 180 dollars for every sale.  Now tell me that isn't a great commission!!)\n\n4. Make sure they have a very good, accurate tracking system.  It needs to be in real time (so you can see how much you are making every hour you check it  : D ).\n\n5. The products need to be of good quality and they also need to be well targeted and specific.  \n\nSo, now that you know what to look for, where do you do research?\n\n1. Find a forum related to your industry. There are many savvy people who use the forums for references. You can ask advice of anyone in there and they will most likely be happy to help you.\n\n2. Look into the program very carefully.  Inspect every aspect.\n\n3. Put the company name and the word 'scam', into the search engines and see what pops up. Use your own judgment, because sometimes these reviews may not be all true.  Some fake scam sites have been made just so they can promote their own product!  Amazing what some people will do.  \n\nThere is one GOLDEN RULE to these programs.  Look before you join.  Ask about it online.  Ask other people's opinions.  Do not rush yourself into an obligation.  Choose a good and reliable program that is of high quality. You want one that you can build off of and build into the future so your profits will increase for many years to come.  You need a program that can help you expand.  The truth is, affiliate marketing is always changing and you need a flexible program.\n\n\n\n\n\n\n",
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      "permlink": "the-skinny-on-omega-3-fats",
      "title": "The Skinny On Omega-3 Fats",
      "body": "\nBy this point, unless you just bought your television, computer, and newspaper subscription last week, you've probably already heard about omega-3 fatty acids. Nutritionists rave about them; cooks try to include them with every meal. Even food companies are getting in on the action (noticed any 'Omega-3 enriched' products like eggs, oils, and dairy on your store shelves lately?).\n\nOne thing very few people know, however, is why omega-3 fats are good for you. Collectively our understanding of this wonderfat rarely goes beyond 'we need to eat more of it.' This isn't the best course to take; you shouldn't load up on something in your diet until you know precisely why you're eating it. Did you know that omega-3 is a designation for several fatty acids, not just one? That, while it is incredibly good for you, it should be balanced by a healthy amount of omega-6? Read on to find out the skinny on this fat!\n\nFor starters, let's talk about the three major types of omega-3: alpha-lenolenic acid (ALA), eicosapentaenoic acid (EPA), and docosahexaenoic acid (DHA). All three of these acids are polyunsaturated fats, and they're considered essential fatty acids'meaning we need them to survive, and the body can't make 'em on its own. ALA breaks down into DHA and EPA during digestion, making the latter two essential nutrients. There's been a lot of hubbub about these fats in the last few years, and with good reason.\n\nThey've been demonstrably linked to improved circulation and a reduced risk of heart disease. They reduce inflammation and improve fluidity of cell walls, lower 'bad' cholesterol. Many of their effects seem related to the brain, as well. For instance, infants deprived of omega-3s while in the womb risk vision problems and nerve disorders; in another study, poor-performance children supplied with omega-3 and other essential nutrients for 15 weeks showed marked improvement in cognition and behavior.\n\nAll good things, right? Absolutely, but don't go out and load up on all those omega 3-enriched products we mentioned earlier. Since most are enriched with ALA, it's better to go directly to sources of EPA and DHA (which ALA breaks down into). Unless the packaging specifically says 'enriched with EPA/DHA,' forego those omega-3 eggs in favor of a DHA-rich filet of salmon. Or a cup of walnuts. Or some flaxseed'the list goes on, but these three are the greatest sources of omega-3 in our diet; a serving of flaxseed oil, for example, provides 140% of your daily value of omega-3 fat. A handful of walnuts will give you 90.8%. And a 4-oz. filet of broiled chinnook salmon will get you 83.6 percent.\n\nDon't gobble down salmon three meals a day, though; overconsumption of these fats can lead to increased bleeding, weakened immune responses, and heightened risk of stroke. In addition, don't forget to consume a certain amount of omega-6 fats'you know, the kind found in beef, dariy, that kind of thing. Omega-6 and omega-3 work in balance to keep your body healthy, strong, and in disease-repellin' shape; too little omega-6 can lead to scaly skin and weak muscles, among other creepy side effects.\n\nNow that you know why you need omega-3, fill your bellies along with your brains by trying some of these great omega-3-filled recipes!\n\nSalmon\nSauteed Salmon with Whiskey Sauce\nTry a deliciously grown-up preparation for those salmon fillets.\n\nHorseradish-Encrusted Salmon\nThis salmon dish can either be eaten as a main course with some sides or add on top of a leaf salad for a light lunch.\n\nWolfgang Puck's Basil-Crusted Salmon with Tomato-Eggplant Fondue\nThis delicious salmon's accompanying sauce is a perfect choice for summer. Being composed almost entirely of vegetables, with just a touch of olive oil, it's incredibly light and healthful ' just the thing you want to eat at this time of year, when you're thinking about getting back into your swimsuit!\n\nWalnuts\nWolfgang Puck's Winter Greens Salad with Mustard Vinaigrette, Toasted Walnuts, Orange & Warm Goat Cheese Croutons\nServe this up at a wintry weekend lunch or dinner, and there's no chance your guests will gaze wistfully out the window. Their attention will be riveted right on the dining table, where it belongs.\n\nGorgonzola Walnut Ravioli with Sage Butter\nYou could use any pasta here, but the ravioli named in the title makes this dish positively decadent. I got this pasta at Trader Joes, my new favorite place to shop. I'm a latecomer to the TJ party and only recently discovered how fantastic and inexpensive they are.\n\nApple, Carrot, Cranberry and Walnut Muffins\nThe muffins with everything, tasty and healthy to eat.\n\nLemon Green Beans with Walnuts\nSteamed green beans tossed with butter, lemon zest, lemon juice and toasted walnuts. This is excellent with asparagus also. Pecans can be substituted for walnuts.\n\nSources:\nhttp://www.msnbc.msn.com/id/19681540/\nhttp://www.whfoods.org/genpage.php?tname=nutrient&dbid=84\nhttp://www.umm.edu/altmed/articles/omega-6-000317.htm\nhttp://www.umm.edu/altmed/articles/omega-3-000316.htm\n\n\n\n\n\n\n",
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      "permlink": "getting-the-right-domain-name",
      "title": "Getting The Right Domain Name",
      "body": "\nOnce you are comfortable with working online, you should buy a domain name for your site or sites. Domain name registration, if you do it right, is one of the key components of having your site rate high in the search engines. The right domain name is memorable, and can get your site to rank higher than other names. The wrong domain name won't do you any good at all.\n\nThe Basics of Domain Name Registration\n\nThe first thing you have to do is come up with a good domain name for registration. Don't even think about a one-word domain name; they're all gone at this point. Instead, come up with dual-word combos. If you're putting together a professional site, try your name before anything else.\n\nDon't get fancy with spelling when selecting your domain name registration, or use 2s and 8s to represent their sounds. You can try the number 1; that sometimes works. You can also try the names of products you offer, or a description of your site content offerings: Romanceforgirls, popcornpalace, fluffykittens. Memorable is always better; short and memorable is best, but very difficult to accomplish.\n\nCome up with a couple of dozen names that will do for your site, and test them on a registry. Don't buy a domain name for which the .com extension is gone, but you have access to the .net or .info. These domain names are not by any means as valuable as the .com. If you pick up the .com, though, and you expect the site to be lucrative or have a lot of competition, it's not a bad idea to pick up the other extensions as well. Domain name registration is NOT expensive, and if you register in bulk you can get an even better price.\n\nThe .UK Extension\n\nThis doesn't mean you should avoid anything but .com. If you have a business in the United Kingdom, you have access to the .uk domain name set, which UK customers are likely to look at before anything else for UK-specific businesses.\n\nIf you anticipate most of your business will come from British customers who are aware your business is in Britain, the .uk extension may be a better choice than the .com; and if your customers are unhappy with Internic's control of Internet domain registration or they are very pro-Britain, the .uk extension is certainly a better choice.\n\nIf you're fortunate enough to find both extensions for your domain open, and if you run a British company, it doesn't cost much to buy them both, and you definitely should.\n\nIt also gives your online presence an immediate 'identity' geographically which can be crucial in building online relationships- where trust is a key component. By being a .UK domain, you are very likely to gain UK clients.\n\nThe .UK domains market is one of the fastest growing and lucrative registration areas on the internet.\n\nTips for Domain Name Registration\n\nHave a website ready to plunk into your domain as soon as you buy it, and submit it immediately to the search engines. The search engines take time to index new sites and your domain name registration is only as valuable as the search engines make it.\n\nYou can also have more than one domain name pointing at a single site. If you've bought multiple extensions for your domain name (as in the previously-suggested .com/.uk combination), you can set up your site under one domain name and then direct traffic from the others to the main site. This is called web traffic forwarding and has been around for years. It may be as simple as parking your domain name on a server and putting a line of code on the page, or as complex as going through another website to use their online web forwarding services.\n\nWhen you do register a domain and start building traffic to it, go out and renew for multiple years before your renewal is due. It is surprisingly easy to forget to register your domain name on time, and if someone else sneaks in and registers it, you've just lost a ton of work on that domain.\n\nBy making your domain name memorable, you will help other webmasters remember your site easily when building anchor texts in their links- a crucial component of SEO.\n\nFinal tip: don't just think about price when looking for a domain registration company- also think about quality of service. While you shouldn't be paying over the odds, it really is better to be safe than sorry and go with the more established registrars. Then you can have peace of mind that should any problems arise, you will be well looked after.\n\n\n\n\n\n\n",
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      "permlink": "steemitboard-notify-publicinfo-20180505t143700000z",
      "title": "",
      "body": "Congratulations @publicinfo! You have completed some achievement on Steemit and have been rewarded with new badge(s) :\n\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/post4day.png)](http://steemitboard.com/@publicinfo) You published 4 posts in one day\n[![](https://steemitimages.com/70x80/http://steemitboard.com/notifications/posts.png)](http://steemitboard.com/@publicinfo) Award for the number of posts published\n\nClick on any badge to view your own Board of Honor on SteemitBoard.\nFor more information about SteemitBoard, click [here](https://steemit.com/@steemitboard)\n\nIf you no longer want to receive notifications, reply to this comment with the word `STOP`\n\n> Upvote this notification to help all Steemit users. Learn why [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)!",
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      "permlink": "choosing-the-best-bed-wetting-alarms-they-are-not-all-the-same",
      "title": "Choosing The Best Bed Wetting Alarms ' They Are Not All The Same",
      "body": "\nBed wetting alarms are not all the same, even though they are all designed for the same purpose ' a solution to bedwetting for a child or an adult. There are many different types of these alarms to choose from, which is why it is important for parents to choose the one that will be most effective for the child's enuresis. Many times children have a problem with bed wetting because they sleep so soundly they don't wake up in time to go to the bathroom. There many also be a medical reason for the bedwetting. Parents need to have the child checked by a doctor before they choose any solution and this includes bed wetting alarms. \n\nThere are three main types of bed wetting alarms on the market: \n'\tWired bedwetting alarms\n'\tBedwetting alarms that clip to the underpants\n'\tBedwetting alarm in a rubber pad\nEach of these alarms has advantages and disadvantages. What may work for one child may not work for another. For this reason, parents do need to research the different enuresis alarms to choose the one they feel will be the most effective solutions for their child.\n\nThe wired bed wetting alarms are very unique in that they are really panty liners The remote sensor is placed in between the liner and the underpants. It uses a 9-V plug and a battery. As soon as the sensor detects the slightest bit of moisture on the absorbent liner, it send as signal to the alarm. The alarm, similar to an alarm clock, will continue to sound until the child or parents wakes and turns it off. Even though this is called a wired enuresis alarm, there are no wires attached to the sensor that the child could get entangled in during the night. The response to urine is instantaneous and the clock alarm can be placed far enough from the bed so that the child has to get up to turn it off. However, this type of bedwetting alarm is not suitable for use with boys because the liner for the underpants is very small and narrow.\n\nThe most common type of bed wetting alarms on the market today is the panty liner with sensors built in. The alarm is connected to the sensor through a clip on the pyjamas. There is a wire from the clip to the liner and it is also connected to a clock alarm. This is the cheapest model of bedwetting alarms on the market and it does have quite a few disadvantages. It has the same type of alarm system connected to a clock that will sound when moisture is detected. However, the wires can also be pulled loose from the sensor, which means that the child will not get out of bed to go to the bathroom. Since there are wires connected with these enuresis alarms, the child can also get tangled up in them if he/she moves around a lot during sleep. For some children, this type of alarm is not effective as a solution to bedwetting. \n\nBed wetting alarms that come with a rubber pad is wired but does not pose any problem with the wires getting tangled or pulled free. You lay this enuresis alarm over the mattress cover and then cover it with the bed sheet. It works in the same manner as the other types of bedwetting alarms by sounding when it detects moisture. There is no clip for the child's pyjamas and the batteries are rechargeable, saving you expense in having to buy a lot of replacement batteries. It is harder to clean because you have to wash off the mat and the alarm will keep sounding until the wet bedclothes are replaced. However, it is the most effective of the bed wetting alarms.\n\n\n\n\n\n\n",
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  "timestamp": "2018-05-05T11:42:51",
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      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "auctions-and-the-traffic-jam",
      "title": "Auctions And The Traffic Jam",
      "body": "\nOnline auctions have become an online flea market and they are huge. Cars are available at auction online as well as jewelry, antiques and virtually every other commodity you can think of (including famous letters and artifacts). You can even bid on farm machinery in an online auction environment.\n\nI've likened online auctions to a global garage sale and I still think that's a pretty good picture of what it's like. You simply use cyber cash instead of spare change and you wait for the delivery guy to show up with your treasures.\n\nIn a brick and mortar retail store you may have secondary shops where you can send overstock items or discontinued merchandise. In online retail you actually have a unique advantage over your brick and mortar counterpart. Why? Online retailers have a function called 'online auctions'. The vested interest for online auction sources like ebay is that they have built in fees that help make their business profitable.\n\nYou may ask why this is a benefit for online retail. To answer that question let's take a look at the brick and mortar business. The owner sells overstock product at a sizeable discount to a secondary supplier. There is NO marketing potential in selling extra product at a discount to someone who will not provide you with the ability to increase traffic to your own store. However, this is what most brick and mortar stores do to manage their overstock or discontinued merchandise. Interestingly even brick and mortar stores are discovering the value of online auctions as a marketing tool for their business.\n\nNow to the online business opportunities ' If you have overstock merchandise you can use online auctions to sell it. You simply set your minimum threshold for an acceptable bid and wait for bargain conscious consumers to arrive. The reason this method is different is that as a seller you can set your profile to include information about your online store and can even provide some sense of link to your online business.\n\nSo, to boil this down as simply as possible ' brick and mortar stores give up marketing potential when they sell to overstock companies while their online counterparts look to online auctions to not only sell their excess merchandise, but also drive traffic back to their online store with the potential for additional purchases.\n\nOnline auctions provide a perfect opportunity to appeal to price conscious consumers and let them know that you care about keeping prices down for everyone.\n\nThe truth is you can sell some of your merchandise through an online auction even if it's not an overstock item and the reasons have everything to do with marketing your business. You don't even have to spend lots of time and money on auctioning a few items. Some businesses consider it a part of the cost of doing business because those few items can assist in getting non-traditional buyers to your online portal.\n\nAuctions are a potential goldmine for savvy online business owners. Have you given it a try yet?\n\n\n\n\n\n\n",
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  "timestamp": "2018-05-05T11:32:24",
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      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "get-more-sales-with-these-5-proven-headlines",
      "title": "Get More Sales With These 5 Proven Headlines",
      "body": "\nIt's important to realize that headlines work best when they appeal to your reader's interests (not yours). And not only can they *grab attention*, they can also make your message easy to read, convey your main selling points, and lead your customer to a sale.\n\nOver the years copywriting pros have used several headline formulas that always work well. Here are my fab five:\n\n1. The Question: \"Are You Worried About Your Financial Future?\"\n\nA question headline automatically gets your readers involved in your message, because they answer it in their minds. Many people will read further into your letter, ad, or Web site copy just to find out what answer or solution you provide. Again, make sure the question focuses on the reader's interest, not yours. A bad example would be: \"Do You Know What New Product We've Created This Year?\" (No one cares but you!)\n\n2. The How-to: \"How to Get Thinner Thighs in 30 Days.\"\n\nHow-to headlines work very well, because people love information that shows them how to do something. (Thousands of book titles begin with \"How to....\") Think of the benefits your product/service offers and then try creating some \"how to\" headlines <a href=\"http://www.ezinequeen.com/\">email newsletter</a>.\n\n3. The Testimonial: \"Jane Smith's Consulting Is Pure Magic -- Our Sales Have Increased by 30%!\"\n\nWhy not let your clients do the selling for you? Their commendations can go a long way in convincing others to use your services. Tip: To appear credible, always include your clients' full names and the cities they live in.\n\n4. The Command: \"Boost Your Business Today!\"\n\nTurn your most important benefit into a commanding headline, such as \"Make More Time for Your Family,\" \"Look Younger Instantly!\" and \"Get 7 New Clients This Month.\" (By the way, throwing a number into your headline is another good tactic. And readers seem to like odd numbers as opposed to even.)\n\n5. The News: \"Introducing Our New 'Rest-Assured' Tax Service!\"\n\nCaution: This only works if you truly have something big to announce that is of interest to the reader. (Something that will make her life or business better.) Don't try to make news out of something that's not.\n\nOnce your readers know you have something they're interested in, they'll take the time to read your entire article, brochure, letter, ad, e-zine, or Web page. So put some TLC into creating headlines that entice!\n\n\n\n\n\n\n",
      "json_metadata": "{\"tags\":[\"article\"],\"app\":\"steemjs-test!\"}"
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      "author": "publicinfo",
      "permlink": "how-to-compare-low-cost-health-insurance-in-colorado",
      "weight": 100
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  "timestamp": "2018-05-05T11:21:51",
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      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "how-to-define-cheap-loans-and-how-you-can-get-one-today",
      "title": "How To Define Cheap Loans And How You Can Get One Today",
      "body": "\nMany borrowers are looking for cheap loans, but how is a cheap loan defined? For starters a person has to remember that nothing is free and loans cost money. Loans are paid for through interest rates and fees.\n\nLenders are in the business of trying to make as much money off the loan process as possible. It is up to the borrower to make sure they get a cheap loan because the lender is not going to worry about making it that way for the borrower.\n\nLenders earn their money off loans through the interest rates they charge and the fees associated with the loan. Borrowers are responsible for watching out for these costs. Interest rates are often the most talked about charge. That is because interest can really tack on a large chunk of money to the cost of a loan.\n\nBig ticket items can cost a borrower more than the actual loan amount. In the end the borrower will have paid double, sometimes triple, the actual loan amount in interest rates alone. This is why getting a low interest rate is so important in getting a cheap loan.\n\nThe trick to getting a low interest rate is shopping around. The interest rate is going to be based on a few things. It will be based on what the current interest rates are and on the borrowers credit history. The borrower really has no way to control the current average interest rate, but they can improve their credit to help lower rates.\n\nAdditionally, the borrower can shop around until they find the lowest interest rate lenders will extend to them. This is helpful even for a borrower with less than perfect credit. By shopping around a borrower is taking control of the situation and therefore has more of a chance of securing a cheap loan.\n\nFees are another way lenders make their money. Many lenders include all types of fees in a loan agreement. If a borrower does not read the terms and conditions of the loan carefully they will likely end up with hidden fees that will cost them in the end.\n\nSome common fees include processing fees, like application fees, and early pay off penalties. Processing fees are often included and justified as paying for the time of the person who processes the loan. It is just another way to get more money from borrowers and is not really a necessity.\n\nEarly pay off penalties are common place in the loan world. These penalties are the lenders way of protecting themselves form losing too much money. What this penalty does is costs the borrower should they pay off the loan early then the specified date in the contract.\n\nUsually these penalties are only enforced if the loan is paid off in the first two years, for long term loans. Anything over two years is not worth agreeing to.\n\nGetting a cheap loan is really in the hands of the borrower. It is the borrower who must be diligent in reading the terms and conditions and shopping around. The borrower is the only one who will benefit from cheap loans, so they have to be the one to make sure they are getting a cheap loan.\n\n\n\n\n\n\n",
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  "timestamp": "2018-05-05T11:11:21",
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      "parent_author": "",
      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "things-you-need-to-know-when-creating-with-gem-beads",
      "title": "Things you Need to Know When Creating with Gem Beads",
      "body": "\nWe see many beautiful gem bead jewelry pieces, created by numerous jewelry designers - famous to hobbyist. Most of these people are very creative artists in their design, but many of them know little, or nothing, about the materials they are working with, and this can lead to disasters. This series will try to help you know about the gems and materials you are using and their idiosyncrasies. Let's start with the basics.\n\nWhat is a \"PRECIOUS\" and a \"SEMI-PRECIOUS\" GEM?\nThey are minerals and rocks that that people consider special, beautiful and of value. Actually, there is no specific definition, but a definition must include: the special ness and beauty of the stone. This includes the colors, shine, optical effects, shapes, physical effects, hardness, and rarity of the stone. In the past, \"Precious Gem\" referred only to: Diamonds, Rubies, Sapphires, and Emeralds (plus, Alexandrites and Pearls), but now the term includes most gems. In this \"PC\" world, \"Semi-Precious Gem\" has fallen out of use because it is demeaning, plus with the introduction of numerous unknown (i.e. Tanzanite) and previously unused gems (i.e. the Colors of Sapphire) the separation no longer applies\n\nWhat is a \"MINERAL\"?\nIt is a naturally occurring inorganic solid constitute of the earth's crust. Most minerals have their own chemical formula, molecule, and crystal forms. Examples are: Diamond, Sapphires, Peridot, Quartz (includes; Agate, Chalcedony, Jasper, and Opal), Garnet, Tourmaline, etc.\n\nWhat is a \"ROCK\"?\nA rock is a natural aggregate of different or the same minerals. When you look at a rock, you will usually see some of the different components of it's make up. Examples: Unakite, Ruby in Zoisite, Lapiz Lazuli, Marble, Tiger Iron, Granite, Gneiss, etc.\n\nWhat is an \"IMITATION\"?\nAnything made to resemble a natural or synthetic gem. They imitate the look, color, and effect of the original, but they do not have the same chemical of physical characteristics. Examples include: Glass, Austrian Crystal (leaded glass), CZ, Enamel, Plastics, Dyed Howlite and Marble, \"Paste\", Chinese Glass gems (Strawberry Quartz, Pineapple Quartz, etc.) etc.\n\nWhat is a \"SYNTHETIC\"?\nThey are crystallized man made products whose chemical and physical properties are, for the most part, identical to their natural counterparts. Examples are: Synthetic Rubies, Sapphires, Alexandrites, CZ, Chatam Emeralds, Hematine, Quartz, etc.\n\nWhat is a \"MAN MADE\" gem?\nThese are gems that do not occur in nature. Examples: Gold stone (glass & copper).\nOr they are \"Block materials\", which are reconstituted, crushed natural materials that are mixed with a resin and formed into blocks for cutting. Examples include: Block Azurite/Malachite, Block Coral, Block Black Onyx, Block Turquoise, etc.\n\n\n\n\n\n\n",
      "json_metadata": "{\"tags\":[\"article\"],\"app\":\"steemjs-test!\"}"
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  "block": 22161974,
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  "timestamp": "2018-05-05T11:00:48",
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      "parent_author": "",
      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "home-improvement-contract-tips",
      "title": "Home Improvement Contract Tips",
      "body": "\nMany a soul has hired a contractor to do repairs or improvements on a home only to find something is fishy. Here are some tips to avoid problems. \n\nHome Improvement Contract Tips\n\nHiring a contractor to do work on your home is not always as easy as it sounds. Many people call themselves contractors, but really are not. The first step to avoiding problems is to make sure you hire someone with who is actually licensed as a contractor. If you subsequently have problems, you can contact the licensing board to raise a dispute.\n\nMost contractors are ethical, honest people and businesses. There are, however, others who are not. These individuals assume you do not really know what is involved in the construction process. This provides them with an opening to make substantially more profit. While you might think this means they will overbid the project, it does not. Most contractors believe you will pick the lowest price, so they rarely run up their estimate. There are, however, two other ways to boost profit. \n\nThe first thing unethical contractors will do is use low quality supplies. As with anything you buy, there is a high quality and lower quality version. While you may want the high quality version, you may have a hard time determining if you received it. The difference between high and low quality is often how long something lasts, not how it appears. The way to beat this problem is to specify the exact brand, size and part number [if possible] in your contract. Doing so accomplishes two things. First, it puts the contractor on notice that you know how the process works. Second, you can always resort to legal action if you later find the correct materials were not used. Since you have everything in writing, the contractor has little defense. \n\nA second unethical tactic is the bait and switch. In this process, the contractor gives you a bid price that can't possibly cover the project. You think you are getting a deal, but the contractor starts coming to you after the project has started requesting more money. The contractor refuses to continue work if you do not pony up. In this situation, the best defense is again to have everything in writing in the project contract. Make sure to include an attorney's fee clause in it. If the contractor tries this tactic, you should contact an attorney. The attorney will set the contractor straight. If the contract refuses to finish the job, you will probably be told by the attorney to hire a new contractor while he sues the unethical one. Since an attorney's fee clause is included in the agreement, you should end up paying no legal fees. This is not the best situation, but it beats getting scammed. \n\nIn general, the best way to find a contractor is to ask for referrals from trusted friends. Next, get everything in writing. With these two steps, you should avoid any major problems.\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "resale-value-on-homes-never-judge-the-book-by-the-cover",
      "title": "Resale Value On Homes - Never Judge The book By The Cover",
      "body": "\nThere are a great many factors that have to be addressed when it comes down to resale value on property. Before making any hasty decisions - do your homework because you can never judge the book by the cover.\n\nPicturesque scenery or industrial surroundings are important matters that can affect the resale value of your home. When buying or selling a house remember to have these issues linger at the back of your mind. Buying a home in fabulous proximities like near to the coast can up the dividends beyond expectations - well who wouldn`t want to wake to the call of the ocean waves? \n\nNot every buyer considers pound or dollar value on a view so therefore leaving you in a catch 22 situation - go with your own instincts. Finding a buyer for your home could take longer than anticipated with or without viewsout views. In some cases the resale value on  house prices have been lowered for a quick sale due the location or neighbourhood.\n\nIn recent years - attention from potential buyers is drawn more towards the bricks and mortar side of things, but the land is important too. Homes that hold good resale value should sit on land that is as level as possible. If the property is in a typical neighbourhood then the land should be square - not odd or unevenly shaped. Size of the backyards are normally found to be a lot smaller in modern homes than in properties built in the days gone by,  however, do not lose faith you can still find a decent sized front and back courtyard in smaller properties. \n\nOver-landscaped property is a no go. You would normally expect to pay a premium for this of which you may struggle to claim back when you sell. Best resale values come with premises that are moderately landscaped or under-landscaped. If gardening is your forte then add your own shrubbery bushes and trees. \nHouses in residential areas will vary in size.  If resale value is an important issue then opt away from buying the largest building in that particular part of the town or village. When determining market value the homes directly aside to yours can hamper a buyers decision so if you buy a small or medium house in that location the larger homes can help pull up your value. \n\nPurchasing property in a more prestigious neighbourhood may provide more financial rewards.\nStick to buying property in the size of three to four bedrooms which are the most popular among first time homebuyers. When it comes to the resell deal you have more chance of attracting offers because of the size. Look out for his and her bathrooms - in other words two washrooms. Walk-in spacious closets are extremely desirable in the master bedroom. \n\nAlways check out closet space - more space more money in your pocket when you come to selling. Resale Value will increase with a joining garage or conservatory\nHave the utility/laundry room located somewhere convenient on the ground floor of the house. Kitchens are about a person`s personal preference but the bigger the better. The serving of meals made easy - is to look for dining and eating places that are adjacent to the cooking area.\n\nLook for easy access to the back yard from the kitchen if you like to entertain in the garden with barbecues. Swimming pools nowadays can deflate the resale price due children and the danger risks. Children should never be left unattended by water. Common sense will help you decide on what priorities come first to help hold the homes resale value.\n\n\n\n\n\n\n",
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      "parent_permlink": "article",
      "author": "publicinfo",
      "permlink": "about-fairness-and-female-relationships",
      "title": "About Fairness And Female Relationships",
      "body": "\nOne of the biggest mistakes men make in their relationships with women is projecting into them their male thinking.\n\nOne of the masculine features they usually project into women is fairness. \n\nWhen this mistake comes back to byte their asses they do not understand what happened, they cannot understand why their girls come back to them in such a self-centered, selfish way in response to their fairness.\n\nWell there is a simple reason fro it:: fairness is - in fact - an invention of men. \n\nMen have been providers to women and children along all the thousands of years of Evolution so they feel terribly guilty if everything is not \"shared in a fair way.\"\n\nThis is the responsibility you feel when you know you have the power. \n\nWomen are different: their job was for thousands of years to invent ways to have the men give them and their children part of the preys of their hunting, for the seek of their survival. \n\nBeing fair was easy to men: they had the power and access to food and resources.Being fair was much more difficult for women under such conditions and could have impaired their own survival and the survival of their children. \n\nIt comes out that if you are fair to a woman she will draw a long list of very unpleasant conclusions about you and your personality of which these are the most important: \n\n- She will think about that is you are fair to her it is because you are tired of hunting and want to rest and please her. In a word what is for you a good, noble thing is for her a weakness. She will draw the conclusion that you are less fit for survival than usual and give you the last hit. In fact if you are less fit for survival it may be the last time she gets your preys away from you. \n\n- She will draw the conclusion that she is permitted to steal from you the prey of your hunting and believe me: she will. \n\nGuys listen to me.\n\nThis is one of the main reasons for the failure of your relationships with your wives and your girlfriends: if you look backward there was a moment where you started to feel:\"This is not fair, I am more powerful, I should raise her at my level\".\n\nSoon after you wondered why you get absolutely no \"thank you\" from her and why she seems to want more and more and more out of you. \n\nGuys tell me the truth: each one of you has been in his marriage or relationship with a woman in the point where he has to ask from himself:\"What the fuck is going on here? The more I give to her the more she takes!\" \n\nThis process went on until.. you were made weaker and she went out of the relationship with you with half of your property.\n\nOr until you had to stop her from doing that in a pretty rough way.\n\nNo matter how balanced and sexy a woman is, no matter how great you and she get along she will have to be reminded not to be selfish. She is incapable of what you guys call \"altruistic\" behavior toward her same-age partner.\n\nShe can only be \"altruistic\" toward her children. \n\nThat doesn't mean you can't teach her how to behave to relate with you in a different way. What you need to take out of your mind is that you will be able at a certain point to have her internalize fairness. That will never happen.\n\nWhen a male perceives himself in a situation in which he is taking advantage of the other person, he tends to feel guilty\n\nHe either constructs psychological defenses that allow himself to continue in the one-sided business in which he gains at the other person's expense or, he somehow goes about increasing the gain for the other person while reducing his own until that point at which he feels things are \"fair\" or \"equal\" again. \n\nIn other words, he somehow tries to build an altruistic balance.\n\nWhen a female, on the other hand, perceives herself to be involved somehow in a one-way relationship, she recognizes it as such but then doesn't take the next step. Instead, her typical response is to attempt to perpetuate the situation, cause it to continue, figure out how to make sure she continues to get that stuff. \n\nIt isn't nasty behavior from her; it is, simply, her own instinct to preserve herself. When her children get messed up she sacrifices herself; but not before that time. Well maybe some modern women not even when their children get messed up.. but those are extreme cases.\n\nSo if you set yourself in a relationship with a woman in the position of being \"fair\" to her in everything she will take out of you everything, even the last penny. Instead the position you need to take towards her is the one of constantly teaching her how to give you things in return for what you are giving to her. You have to teach her that whatever you give to her is not for free. You need to teach her fairness and altruism. \n\nWhen you do this you achieve her respect: you are showing her that you can hunt around and also hunt her.\n\nHow you do that on daily basis? Like this:\n\n- Your leadership over a woman is not for free. Every time you lead her you need to communicate / sub-communicate that you do that only if you are treated well and get something in return. If she stops giving you stop leading. Verbalize this at need.\n\n- Be specific in asking things from her. Women like to take care of you. You can be specific about how you want her to make love with you, in which way you want to be touched, tell her openly what pleases you sexually.\n\n- You can be specific in regard on how you want her to behave socially, how you want her to dress, how you want her to come close to you, of which subjects you want her to talk with you and so on. \n\nWhen you teach her to give things back to you in return for your existence in her life you are behaving with her like her Prince. Women love to be devoted to Princes because they are usually the best hunters.\n\nInstead if you get into the downward spiral of giving her all what you have for the sake of fairness you will be taken into a black hole, her attraction and respect for you will go down and you will finally lose her. \n\nShe will think that you are pleasing her because you want to rest and stop hunting and will behave accordingly by taking all what remains of your prey out of you. An alpha male cannot rest. That is an illusion. If you are alpha you know that you can rest only in your grave.\n\nPut your energy into business, pick-up, seduction and never enter a relationship where you are being made weaker !\n\nTo be able to understand the deep differences in psychology between you and women is a very important skill.\n\nIf you are a single man willing to seduce women to get a wonderful girlfriend.\n\nOr a husband willing to make his own wife happy in the relationship.\n\nOr a playboy willing to have a lot of fun.\n\n\n\n\n\n\n",
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      "permlink": "can-green-tea-improve-your-chances-of-surviving-breast-cancer",
      "title": "Can Green Tea Improve Your Chances Of Surviving Breast Cancer?",
      "body": "\nBreast cancer is one of the most frightening diseases faced by today's women. In fact, breast cancer is the second most common cancer among women, after nonmelanoma skin cancer. About 13% of American women will develop breast cancer at some point in their lifetime. And, it is the second leading cause of cancer death among women, after lung cancer.\n\nScientists are continuing to look for new information to determine what causes breast cancer as well how to prevent and treat this disease. Today, we still don't know what causes breast cancer, but we do understand some of the risk factors.\n\nIn addition, we have come a long way in treating breast cancer ' though many women still die each year. Some of the research is very promising, including research on green tea.\n\nOne group of breast cancer sufferers who cause doctors a great area of concern are those who have a higher than average expression of the epidermal growth factor Her-2/neu. Her-2/neu is a growth factor that sometimes presents itself in a tumor. An over expression of this growth factor is a concern for breast cancer patients.\n\nDuring routine testing of patients who have been recently diagnosed with invasive breast cancer, doctors will determine the level of Her-2/neu. If the level is high, this information is used to guide treatment. The level of this growth factor is important because studies have shown that patients with an over expression of Her-2/neu have a higher likelihood of their cancer metastasizing, and have an overall lower survival rate. The Her-2/neu is high in about 30% of breast cancer patients.\n\nAs part of the ongoing research to find effective treatments for breast cancer, scientists have been looking seriously at the benefits of green tea, both on preventing cancer and treating it. Asian cultures have used green tea for its healing properties for centuries, and their overall rate of cancer is much lower than that of the Western world.\n\nTea is derived from the Camellia sinensis plant. You'll hear tea referred to as green, white or black. These differences do not result from actual different types of tea leaf, but rather from differences in how the tea leaves are processed. Green and white teas are not fermented during processing, but black tea goes through such a processing.\n\nTea leaves contain catechins, part of the flavan-3-ol class of flavonoids, which are anti-oxidants. EGCG is one of the catechins contained in tea, and is a potent anti-oxidant. Fermenting the tea leaves converts the catechins to other compounds that are not as healthy as those in unfermented tea. So, the focus of research has been on green tea, because of its healthier form of anti-oxidants.\n\nWhat's So Great About Anti-Oxidants?\n\nDuring our body's process of converting food to energy, we create free radicals in our body. These free radicals are damaging to our cells and DNA if we don't combat them. Left unchecked, free radicals contribute to speeding up the aging process and to causing diseases such as cancer, heart attack and stroke.\n\nAnti-oxidants, however, can help us combat these free radicals, and a diet in anti-oxidants is linked with preventing cancer, heart disease and stroke. So, doctors recommend a diet high in anti-oxidants ' which means eating lots of fresh fruits and vegetables and drinking green tea each day.\n\nHowever, scientists also seem to be finding out that green tea may be able to increase the effectiveness in some cancer treatments. Several studies conducted on mice already diagnosed with cancer have shown that taking green tea along with the cancer treatments can increase the effectiveness of the traditional therapy and may slow down the progression of cancer to other cells. There is promising research; some of it directly related to breast cancer treatment.\n\nOne particular study of interest was conducted by the Boston University School of Medicine. In this study, female mice with breast cancer whose Her-2/neu levels were very high were treated with green tea along with their regular cancer treatment. Mice that ingested the green tea showed a slower growth of their tumors and a slower progression of their cancer than those who were treated with the same medicine without green tea as an adjunct therapy.*\n\nResearchers who found these results also believe that if green tea can inhibit the growth of tumors in patients already diagnosed with cancer, it may also be effective in preventing cancerous cells from forming and growing in the first place. This coincides with other research that indicates that green tea may be significant in preventing cancer. In addition, it helps explain why Asian cultures have such a low cancer incidence compared to the Western world.\n\nThis is very promising news for a group of breast cancer sufferers who have traditionally had a lower survival rate than others with breast cancer. If we can slow the rate of cancer progression in those with over expression of Her-2/neu to approximately the same rate as other breast cancer patients, we may be far more effective at treating these patients.\n\nFar more research is needed in the area of breast cancer prevention and treatment. In addition, scientists will be spending more time examining the benefits of green tea in cancer prevention and treatment. But, it seems clear that green tea has a place in the prevention and treatment of many diseases, including cancer.\n\nEven though there is more research to be done, there is no downside to adding green tea to your diet to help prevent disease or to improve your health if it is already failing. Scientists have found no risks involved with drinking green tea. It has no side effects, and is a healthy alternative to coffee because of its high level of anti-oxidants and because it is much lower in caffeine than coffee. So, get a jump start on your anti-oxidants by drinking green tea!\n\n\n\n\n\n\n",
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      "permlink": "great-teeth-whitening-advice",
      "title": "Great Teeth Whitening Advice",
      "body": "\nThe teeth whitening procedures market has become richer and richer. And this is because the demands have grown very much in the past few years. Because of today's alimentation, excess of tobacco and coffee more and more people need teeth whitening procedures.\n\nEvery body whishes to have a beautiful white smile. And there are plenty of methods to achieve this. Here are some good teeth whitening tips that you can fallow:\n\n- there are many teeth whitening methods that you can use at home but the best results you can get are when you are under dentist supervision. Teeth bleaching is also used at home but I would recommend you to do it at your dentist place, because dentist supervised procedures are 90 percent successful and the results tend to last longer.\n\n- Instead of getting yellow, your teeth could get stained. This is also bad looking. It's very annoying to have to hide your smile because you have bad teeth. This stains are usually caused by drinks like coffee, tea, red wine or many dark colored foods. This nasty stains can be removed with cosmetic dentistry procedures.\n\n- If you'll go to a dentist he will surely know what to do and what to recommend. Dentists usually use 3 teeth whitening methods. This would be bleaching your teeth in-office, bleaching your teeth with laser and bleaching your teeth at home. All of this methods can have great results if all the dentists instructions are strictly followed.\n\n- Another thing that you should to before using any teeth whitening methods is to check your dentists past results and experience. It's good to choose only professionals for your mouth.\n\n- Depending on the length of time you spend bleaching your teeth will become brighter and brighter. Ask your dentist to show you some sample cards where you can see how your teeth will look like. This cards are very similar with ones used for choosing hair paints. Choose the one you like the most.\n\n- If you decide to use any teeth whitening products you better be sure that they are accepted by American Dental Association's Seal of Acceptance. the products that have their acceptance will have a seal stamped on them. this way you'll know that you use only good and recommended products.\n\nAfter you use any teeth whitening techniques and achieve the results you desired try too keep them as long as you can. Having a great oral hygiene will keep your smile shining for a long period of time.\n\n\n\n\n\n\n",
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      "permlink": "what-the-heck-is-a-jumbo-mortgage-loan",
      "title": "What the Heck is a Jumbo Mortgage Loan?",
      "body": "\nYou may have heard of the term jumbo mortgage loan and wondered what it means.  Well, in this short article I will take you through the meaning and why it is important for you to understand it. \n\nIn basic terms, if a mortgage loan exceeds a certain amount, it is considered a jumbo mortgage loan.  Currently (as of 2006), a jumbo mortgage loan is a loan more than $417,000.  The limit typically changes each year.  In 2005, the amount was $357,650.\n\nThe great part about a jumbo mortgage loan is the approval process is the same for conventional loans for most lenders.  Unfortunately, the interest rate for a jumbo mortgage loan is typically 1/4% higher than a conventional loan but this does vary and the difference seems to be less year after year.\n\nSince brokers are typically compensated based on the amount of the loan and a jumbo mortgage loan is a larger amount than a conventional, you should feel comfortable negotiating the loan rate with your broker or lender.  I am amazed that people will negotiate a $100 tire purchase but will fail to ask the broker compensation on a $1,000,000 loan.  A good mortgage broker is happy to discuss fees and in most cases appreciates it.  This way there are no surprises or concerns after escrow closes.  \n\nAnytime you start the loan process whether refinancing or purchasing a home, I recommend the following steps:\n\n1) Review current mortgage rates on the internet and get a feel for the current market.  Interest rates change frequently so this step just gives you an idea.  When looking over rates make sure you are reviewing jumbo mortgage loan rates as there is a rate difference.\n2) Assess your loan needs and the amount you think you need\n3) Ask family or friends for a reference of a mortgage broker\n4) If you cannot find a referral, you should proceed cautiously and develop a list of questions for your prospective mortgage broker.\n5) Questions you should ask include: how long have you been doing mortgage loans, are you full-time mortgage broker, how do you price your jumbo mortgage loans, and what education do you have.  Asking these questions will give you a good first impression of the mortgage broker. \n6) Determine if you need to pre-qualify for a loan\n7) Complete the loan application thoroughly and accurately\n\nIf you work with an experienced mortgage broker, the process will be very painless as the mortgage broker will anticipate problems and deal with them proactively.\n\nIf you follow the steps in this article, you are well on your way to getting a great jumbo mortgage loan and will build a long-term trusting relationship with a mortgage broker.\n\n\n\n\n\n\n",
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  "timestamp": "2018-05-05T09:46:54",
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      "author": "publicinfo",
      "permlink": "how-to-compare-low-cost-health-insurance-in-colorado",
      "title": "How To Compare Low Cost Health Insurance In Colorado",
      "body": "\nComparison is the key to making almost any buying decision, and that is certainly true when it comes to choosing your Colorado health insurance plan. According to recent surveys fully 42% of all Colorado families are worried about paying for any health care at all. But don't be fooled into comparing only cost ' when it comes to insuring your family's health care, cost is only one factor to consider.\n\nDepending on your family's health care history and your expectations of health care needs for the coming year, you should also compare the annual maximum each health care provider is willing to pay, what each family member's co-pay will be for routine doctor visits, your co-pay for prescriptions, your out-of-pocket expenses for hospital stays, your coverage for emergency room visits, which doctors you are allowed to see and, finally, each plan needs to be compared based on the plan's deductible.\n\n(The deductible is the amount you pay out of your own pocket each year before your health insurance begins paying off. The larger your deductible, the less you pay in monthly premiums.)\n\nWhen all of those factors are taken into consideration, then you'll need to compare monthly premiums.\n\nHere in Colorado you have more than half a dozen competing plans to compare.\n\nIf it sounds like a lot of work ' it is.\n\nEven using side-by-side plan comparisons on the internet, trying to find and compare the best health care coverage for your family at the best cost is no easy matter. However, by concentrating primarily only on the benefits that are most important to you and your family you may be able to make the comparisons easier.\n\nHealth care is expensive. In fact, for more than 16 million Americans health care now consumes at least one quarter of their disposable income. That's why it's well worth whatever time and effort it takes for you to make the comparisons between health care plans so you can find the one that's right for you at a price you can afford to pay.\n\n\n\n\n\n\n",
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      "author": "publicinfo",
      "permlink": "home-mortgage-loans-for-people-with-bad-credit-pros-and-cons-of-interest-only-loans",
      "title": "Home Mortgage Loans For People With Bad Credit - Pro's And Con's Of Interest-Only Loans",
      "body": "\nBuying a home with poor credit is just as easy as buying a home with perfect credit. Years ago, many people with a low credit rating believed homeownership was unattainable. Fortunately, there are various loan programs designed to help people with low income, bad credit, and no down payment purchase a house. Included among these programs are interest-only loans.\n\nWhat are Interest-Only Mortgage Loans?\n\nInterest-only mortgage loans became popular in the early 2000's. The concept of interest-only loans is very unique. Ordinarily, monthly mortgage payments consist of a portion of the payment being applied to the principal balance, and a portion applied to the interest. In order to payoff a mortgage in 15 or 30 years, a specific amount of money must be paid each month.\n\nOn the other hand, if you obtain an interest-only mortgage loan, you pay only the interest for the first few years. Interest-only periods vary. Homeowners may opt for a three, five, seven, or ten year interest-only loan. After the interest-only period ends, the homeowner must begin making payments toward the principal and interest.\n\nWhy is an Interest-Only Loan Beneficial?\n\nIf you live in a booming housing market, an interest-only loan may be your only option for buying a home. Many are attracted to these loans because the initial mortgage payments are low. For example, a $200,000 conventional loan has a monthly payment of about $1200. With an interest-only loan, the mortgage would be about $800 a month. Hence, if you are buying in an overpriced market, affordable living is within reach.\n\nPitfall of an Interest-Only Loan\n\nOnce the interest-only period ends, you still owe the original loan amount. When homeowners begin making payments towards the interest and principal balance, mortgage payments may increase 40%. Most homeowners are unable to afford a mortgage increase. If you plan on living in your home for several years, an interest-only loan may not be a good option. On the other hand, if you earn a sizeable income and can afford a higher mortgage, you may benefit from this type of loan.\n\nAnother option involves selling your home before the interest-only period ends. If home values in your area have increased significantly, you may capitalize from the equity. However, if the housing market takes a nosedive and home values decline, you may be unable to sell your home.\n\n\n\n\n\n\n",
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  "timestamp": "2018-05-05T09:35:21",
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      "permlink": "home-mortgage-loans-for-people-with-bad-credit-pros-and-cons-of-interest-only-loans",
      "title": "Home Mortgage Loans For People With Bad Credit - Pro's And Con's Of Interest-Only Loans",
      "body": "\nBuying a home with poor credit is just as easy as buying a home with perfect credit. Years ago, many people with a low credit rating believed homeownership was unattainable. Fortunately, there are various loan programs designed to help people with low income, bad credit, and no down payment purchase a house. Included among these programs are interest-only loans.\n\nWhat are Interest-Only Mortgage Loans?\n\nInterest-only mortgage loans became popular in the early 2000's. The concept of interest-only loans is very unique. Ordinarily, monthly mortgage payments consist of a portion of the payment being applied to the principal balance, and a portion applied to the interest. In order to payoff a mortgage in 15 or 30 years, a specific amount of money must be paid each month.\n\nOn the other hand, if you obtain an interest-only mortgage loan, you pay only the interest for the first few years. Interest-only periods vary. Homeowners may opt for a three, five, seven, or ten year interest-only loan. After the interest-only period ends, the homeowner must begin making payments toward the principal and interest.\n\nWhy is an Interest-Only Loan Beneficial?\n\nIf you live in a booming housing market, an interest-only loan may be your only option for buying a home. Many are attracted to these loans because the initial mortgage payments are low. For example, a $200,000 conventional loan has a monthly payment of about $1200. With an interest-only loan, the mortgage would be about $800 a month. Hence, if you are buying in an overpriced market, affordable living is within reach.\n\nPitfall of an Interest-Only Loan\n\nOnce the interest-only period ends, you still owe the original loan amount. When homeowners begin making payments towards the interest and principal balance, mortgage payments may increase 40%. Most homeowners are unable to afford a mortgage increase. If you plan on living in your home for several years, an interest-only loan may not be a good option. On the other hand, if you earn a sizeable income and can afford a higher mortgage, you may benefit from this type of loan.\n\nAnother option involves selling your home before the interest-only period ends. If home values in your area have increased significantly, you may capitalize from the equity. However, if the housing market takes a nosedive and home values decline, you may be unable to sell your home.\n\n\n\n\n\n\n",
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      "permlink": "debt-management-how-consolidating-debt-helps",
      "title": "Debt Management - How Consolidating Debt Helps",
      "body": "\nMost people who ignore their debts and do not check their credit scores find themselves unable to get credit when they require it.  Bad credit is usually the consequence of not dealing with credit card invoices and the subsequent interest.  Fact – letting credit card debt go unchecked means you can no longer use them and you most likely will get negative reports on your credit file – bad credit.  You can resolve this by contacting a professional and consolidating debt through credit counseling.  You will also benefit from asking the company you use for debt management advice.\n\nDebt consolidation firms can negotiate terms with your creditors so that you both benefit.  They can have your interest rates reduced and consolidate all your debts into one balance.  They will also arrange with your creditors to have your credit file amending accordingly to reflect the payments you will make through them.  This will get rid of a huge amount of stress and save your credit reputation so you can access other loans and credit in the future.\n\nDo you want to know how to take out a loan? It’s simple.  Repairing bad credit is as easy as securing a debt consolidation style loan from a reputable company and settling your debts completely.  Your loan may take a variety of forms.  One such loan relies on the equity in your property.  However, before you sign up for this loan, you must familiarize yourself with every aspect of it.  Get all the details – interest rates, payment terms, etc. – and compare ones from other companies.\n\nDebt consolidation is as close as the length of your finger tips from the keyboard of your computer.  Some people are not aware that you can consolidate your debts through the Internet.  It is possible to get counseling services from companies in other states.  However, you should be cautious because some of these so-called companies do not offer the competitive rates you should be looking at.  You need to really research each firm you consider.\n\nIf you are in a rush to get your debt consolidation underway in a fast and suitable manner.  There are countless websites that can guide you through the maze of terms and types of consolidation loans you may need.  What do you need it for – education, housing, financial or other types of debt? You will be assigned a debt counselor who will assess your situation, debts, assets and any liabilities.  He or she can help you with the best advice based on your personal income and expenditure requirements.\n\nSearching on the Internet for these specialized professionals will lead you to all sorts of people who can help with a variety of services.  All the information you require concerning specialists, counselors, debt management, housing advice, educational finances, and credit report assessment is available.  They can also help you create a workable budget that you can use in the future to prevent this situation from ever happening again.\n\n\n\n\n\n\n",
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      "permlink": "life-insurance-choices",
      "title": "Life Insurance Choices",
      "body": "\nLife insurance, along with most insurance policies, can be very hard to understand if you're not familiar with them.  From insurance company to insurance company, the types of coverages and policies will vary greatly.  The biggest question is how do you know which insurance company or policy is right for you and your family?  Well, some reading will help, and here are few tips if you're in the market for life insurance.\n\nFirst there is the most common form of life insurance called level term life.  This is the least expensive form of life insurance that there is, and that most likely adds to its popularity.  Level term life insurance gives families the protection and peace of mind that they need for the lowest cost.\n\nWith level term life insurance, if you pass away during the life of the policy, money will be paid to your beneficiary in a lump sum to cover the funeral, their living expenses, and any other coverages which were included in the policy.  If you do not die during the term of the life insurance policy, there is no cash payout as with a whole life insurance at the end of the term.  This is the main reason why the premiums are so low for level term life insurance.\n\nIf you need a life insurance policy that will help you save, and give you a pay out of a sum of money when the policy expires, then you should look into getting some whole life coverage.  Whole life insurance It's good for people who have trouble saving money on their own. Premiums for whole life however, tend to be more expensive than with term life insurance. As with all life insurance policies, there are many options that you have to choose from, and many price ranges to your budget. Some whole life insurance policies will even let you change the options midterm. \n\nWhen shopping for life insurance, make sure you go from company to company to find the lowest rates and best options to fit your needs. The price for life insurance premiums will vary from company to company, so make sure you shop around.\n\n\n\n\n\n\n",
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      "permlink": "the-universal-law-behind-the-golden-rule",
      "title": "The Universal Law Behind the Golden Rule",
      "body": "\nCopyright 2006 Tony Mase\n\nIn Chapter 7 of the book of Matthew, Jesus is quoted as saying:\n\n\"Therefore all things whatsoever ye would that men should do to you, do ye even so to them; for this is the law and the prophets.\"\n\nWhen Jesus made this statement, he wasn't just teaching his followers a religious rule...\n\nHe was teaching his followers the *practical* application of a Universal law.\n\nThis Universal law is known by many names:\n\nThe law of cause and effect...\n\nThe law of karma...\n\nAnd...\n\nThe law of sowing and reaping...\n\nAre just a few of them.\n\nIn his writings, Wallace D. Wattles, best known for his classic masterpiece \"The Science of Getting Rich\", frequently refers to it as the law of action and reaction...\n\nFor every action there is an equal and opposite reaction.\n\nOdds are you've heard this Universal law expressed in many different ways:\n\nEnergy always returns to the source of its origination...\n\nWhat goes around comes around...\n\nWhat you do comes back to you...\n\nYou reap what you sow...\n\nAnd...\n\nMy personal favorite:\n\nIt always comes back to bite you in the...\n\nWell...\n\nYou know the rest. :-)\n\nRegardless of how this Universal law is expressed...\n\nThe bottom line is...\n\nWhatever you put out into the Universe comes back to you.\n\nAnd...\n\nMore importantly...\n\nBecause it's a law...\n\nWhatever you put out into the Universe *always* comes back to you.\n\nThis is the way the Universe works.\n\nWhen you look at it this way, it puts Jesus' words in a whole new light, doesn't it?\n\nPracticing the Golden Rule, as it's come to be known as, isn't just the moral thing to do, or the right thing to do...\n\nIt's the *smart* thing to do!\n\nWhy?\n\nSimple...\n\nBecause it's the law...\n\nIf you cheat others, you *will* be cheated.\n\nIf you hate others, you *will* be hated.\n\nIf you hurt others, you *will* be hurt.\n\nIf you judge others, you *will* be judged.\n\nIf you steal from others, you *will* be stolen from.\n\nIf you take advantage of others, you *will* be taken advantage of.\n\nIf you treat others rudely, you *will* be treated rudely.\n\nOn the other hand...\n\nIf you forgive others, you *will* be forgiven.\n\nIf you help others, you *will* be helped.\n\nIf you love others, you *will* be loved.\n\nIf you treat others fairly, you *will* be treated fairly.\n\nIf you treat others honestly, you *will* be treated honestly.\n\nIf you treat others kindly, you *will* be treated kindly.\n\nFor every action there is an equal and opposite reaction...\n\nWhatever you put out into the Universe always comes back to you...\n\nYou can't escape it...\n\nIt's the law!\n\nNow...\n\nOne thing that's *very* important to understand...\n\nWhen Jesus said:\n\n\"Therefore all things whatsoever ye would that men should do to you, do ye even so to them; for this is the law and the prophets.\"\n\nHe was *not* saying this because others, themselves, will \"do unto you\" what you have done unto them.\n\nJesus was saying this because the Universe, God or whatever you prefer to call the \"Universal Power\" behind all things, will \"do unto you\" what you have done unto others!\n\nFor example...\n\nIf you steal something from someone, it doesn't necessarily mean that particular person will steal something from you.\n\nHowever...\n\nYou *will* be stolen from.\n\nIt's not a matter of \"if\"...\n\nIt's just a matter of when and how!\n\nOn the other hand...\n\nIf you treat someone honestly, it doesn't necessarily mean that particular person will treat you honestly.\n\nHowever...\n\nYou *will* be treated honestly.\n\nAgain...\n\nIt's not a matter of \"if\"...\n\nIt's just a matter of when and how!\n\nWhy?\n\nBecause it's the law...\n\nIt's the way the Universe works.\n\nSo...\n\nThe next time you're about to do something...\n\nAnything...\n\nThat involves other people...\n\nAsk yourself this very simple question:\n\nWould I want someone else doing this to me?\n\nIf your answer is yes...\n\nDo it.\n\nIf your answer is no...\n\nDon't.\n\nIt's that simple.\n\nRemember...\n\nPracticing the Golden Rule...\n\nDoing unto others as you'd have them do unto you...\n\nOr...\n\nTreating others as you'd like to be treated...\n\nIsn't just the moral thing to do, or the right thing to do...\n\nIt's the *smart* thing to do!\n\n\n\n\n\n\n",
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      "title": "Avoid Outsourcing Disasters On Your Path To Internet Marketing Fortunes",
      "body": "\nOutsourcing is the latest buzz word to hit internet marketing circles, teleseminars, and niche websites. It is certainly not a new concept to outsource work, but like so much else in our lives, the Internet has given rise to a new dimension of this popular technique. Because of this, there are a number of issues to keep in mind when looking at outsourcing as a viable alternative to doing it yourself. \n\nFor good reason, outsourcing is a concept that internet marketing professionals and newbies alike should acquaint themselves with. Because a large number of internet marketers are running the show by themselves or with a limited pool of additional assistance, there are just too many tasks to complete alone. In addition to the time factor, it is simply not possible for any one individual to possess all the technical skills necessary to accomplish all aspects running an internet marketing business. \n\nWith time and skill level being the two primary factors that lead internet marketers to outsource, it is important to understand which of these two needs you are fulfilling when you proceed to outsource. \n\nWhen analyzing your outsourcing needs on the basis of time constraints, it is advisable to have a good understanding of what an hour of your time is worth relative to the task at hand. \n\nFor example, let's say it takes you six hours to accomplish a redundant task and it would take about 15 minutes for you to teach someone else to do it for you. Then look at what you may be able to accomplish in that same six hour period. Would you be able to use that time to finish an ebook that could be resold for untold profits, or write thousands of lines of code to package and resell? If so, then any modest fee that is paid to outsource that redundant task could be worth its weight in gold. \n\nOutsourcing on the basis of skill level becomes a little trickier and this is where most internet marketers who are new to outsourcing can get themselves in trouble. It is imperative to keep in mind that even though you may be outsourcing an activity that you are not capable of doing yourself, you still need to be in control. \n\nThis is your business and your image and income depends on it. Failure to have a firm grasp on what you are outsourcing will almost always mean that the end result will not live up to your expectations. And this is not productive for you or the individual you have contracted with. \n\nCommunication is the key component when outsourcing a task that you are not readily able to do yourself. For example, let's say you are not the greatest artist in the world and you contract with a designer to develop header and ebook cover graphics for your sales page. Telling the designer nothing more than the title of your ebook and expecting the graphics of your dreams to result is just not going to happen. \n\nThe more detailed you can be about your likes, dislikes and expectations, the greater the chance that you will be thrilled with the end result. Remember, just because the designer has skills that you don't, one of those skills probably isn't reading minds! If you don't like the color green, there is no way someone is going to know this unless you tell them. \n\nAnother area where internet marketers get into trouble is when the outsourcing project involves technical skills or programming. This can be particularly difficult if both sides are not communicating properly. \n\nA non-programmer often sees a project as being far less complex due to a lack of knowledge about the mechanics involved in the programming process. End users are used to just clicking buttons and having things work; they never have to deal or think about what goes on with the coding behind the scenes. \n\nThis can have both an impact on the perceived value of the outsourcing bid as well as the time frame and ultimate functionality of the programming project. Misunderstandings with all of these things can be greatly reduced by taking time to clearly and concisely define the project parameters ahead of time. Again, the importance of communication here cannot be stressed enough. \n\nFinally, it is never a good idea to outsource anything you don't understand or cannot measure. This isn't to say that you need to understand the mechanics behind the process, but you definitely need to understand the result. \n\nFor example, it is not unusual to see bid requests on popular outsourcing sites requesting 200+ inbound links from PR7 or greater sites to be completed within 24 hours. While this may or may not be an exaggeration, the point is, if you are asking for this and adamant that you want to get your money's worth, you better be prepared to have a means in place with which to judge someone's performance in completing this task. Otherwise, it is just a recipe for disaster. \n\nSimply put, if you want something done to your satisfaction, you need to be prepared ahead of time to know when that point is reached. \n\nRemember, outsourcing in many ways is just the virtual version of an employee or subcontractor. If you have ever been an employer who created a job description, along with it you most likely implemented a means of gauging the employee's performance. And as an employee, you knew exactly what was expected of you and the consequences of failure. \n\nToday's outsourcing concepts are based upon the same time honored principles used in business throughout the ages and understanding this will greatly increase your odds of success.\n\n\n\n\n\n\n",
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      "body": "Copy/Paste? I think so..",
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      "body": "\nNeed a loan? Probably at some point in your life you will. If not now, perhaps later. Maybe you want a car, a house, a credit card. Cars use leases, houses use mortgages. Leases, mortgages, and credit cards are all types of loans. And when you want to get one of those things, you'll need to have a good credit rating. \n\nPerhaps you have a good credit report or perhaps you have a bad one. Every one has a different rating based on their credit history. Whatever yours is, that's going to affect your future loans. So you should take steps now to make sure it's as good as you can make it.\n\nWant to own a car or a house? You'll need a loan, and to get a loan you have to get your credit checked. One thing that you will be surprised about is how many credit reports out there have big mistakes on them. Does yours?\n\nIf you are not sure, you need to find out right away. You need to get a copy of your credit report every 12 months and check it thoroughly. Why? Because mistakes can happen, and they do happen all the time.\n \nWhy do mistakes happen all the time? The answer is actually fairly simple. Often it's just a matter of human error. Perhaps they accidentally mistyped a piece of information somewhere in your past or perhaps they mistyped someone else's information but accidentally put it on your file. It happens a lot.\n\nSo what can you do about it? Again, the answer is simple. You need to get a copy of your credit report and go over it with a fine toothed comb. Identify the parts that are accurate and the parts that are inaccurate. \n\nWhen you find inaccurate information you need to highlight it clearly. Then you need to find supporting documents and information to prove the inaccuracy. For example, if your credit report shows that you have been renting since you moved out of your parents' house but you actually bought your own house a few years ago, you may want to provide them with some of your mortgage papers and particulars to prove what is accurate.\n\nThen write a polite letter of explanation that clearly details the points you want to clarify and send it off to the credit bureau. When they receive your request, they need to investigate each claim before they fix it. This is because they get many people who file bogus claims of inaccuracy all the time.\n\nIt can take a while to get everything squared away, but when you do it, you can enjoy the peace of mind that should you need a loan, you'll have an accurate credit report to work from and to back you up. And, with an accurate credit report, you'll be able to quickly identify any identity theft problems that may occur. \n\nSo don't lose sleep over your credit rating. Instead, contact your credit bureau and get a copy and check for inaccuracies.\n\n\n\n\n\n\n",
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      "title": "Unsecured Loans For Unemployed: get rid of financial problems",
      "body": "\nUnemployment is surely like a bid obstacle in availing financial support from any financial institutions and lender. No one agrees easily to offer fund to individuals who are unemployed and more so interest rate is very high for loans available for unemployed individuals. But all these are not a problem on account of availability of unsecured loans for unemployed. With unsecured loans for unemployed individuals can fulfil all requirements and get rid of any financial problem. \nIt is generally not an easy task to avail financial aid along with status of unemployment. Unemployed individuals are always rejected for financial aid due to absence of any source of repayment with them. Unsecured loans for unemployed have solved all these stress of fund rejection for unemployed people.  \nUnsecured loans for unemployed are just like boon for individuals undergoing with financial crisis. Unsecured loans for unemployed are available without any collateral. Hence if you have no property to offer as collateral even then you can easily avail unsecured loans for unemployed. However, unsecured loans for unemployed come with a little higher rate of interest so you should avail it only when you really need fund.   \nUnsecured loans for unemployed are short term loans and so it becomes essential to repay it within given duration. You should always try to pay off your unsecured loans for bad credit s soon as possible because non-payment of fund within repayment duration can lead to increased rate of interest along with many other charges. It is available for borrowers with bad credit on account of non-payment of past dues and County Court Judgments. Unsecured loans for unemployed are a mode to get rid of financial crisis which can otherwise be difficult to solve. So, unsecured loans for unemployed have made life easier for individuals who are unemployed and need finance for themselves.\n\n\n\n\n\n\n",
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      "title": "Accelerate your Career with Fast Online Degrees",
      "body": "In this day and age, more people are turning to online colleges to obtain accelerated degrees that will help enhance their careers. With fast degrees, you can obtain a college education in less time than ordinary degree programs would take. There are many benefits to furthering your education in this manner, and many online colleges and universities are starting to offer accelerated degrees in many courses of study, including business, accounting and several others. If you’re interested in pursuing one of these fast degrees, it’s important to keep several things in mind before committing to a course of study.\n\nWhen pursuing accelerated degrees via distance education, you can finish your course of study up to 50% quicker than a traditional degree program would take. What’s more, these fast degrees are generally much less expensive because they can be delivered quickly through a variety of educational mediums. Accelerated degrees aren’t generally for everyone. Usually, these programs are designed for adult learns with a desire to enhance their career field with a degree they can complete in less time than a traditional institution would require. Because you can bring your own life experiences to the table, fast degrees are ideal for the working professional with a desire to better themselves in the workforce.\n\nWhile many people will attempt to tell you that online learning is easier than learning through a traditional class room setting, this is actually a myth. To succeed in an accelerated degree program requires intense motivation, self discipline and a high level of determination to achieve your educational goals. What’s more, it’s important to learn how to manage your time effectively between juggling a career, home life and school. While accelerated degrees offer convenience and a chance to study at your own pace, these fast degrees require as much work and concentration as a traditional program of study would.\n\nBecause with accelerated degrees you are learning a vast amount of material within a small time frame, it’s easier to remember the information you learn because it’s delivered over a period of weeks rather than months. This type of course structure requires intense concentration, but you’re able to focus on one specific topic, and the information is delivered in a highly condensed format. The convenience just can’t be beat as far as fast degrees go, and you’re able to learn a wide variety of things in a short amount of time compared to a traditional classroom setting.\n\nObtaining an accelerated degree from an online college is not for everyone. Before you commit to an online program, you need to take a look at yourself and analyze your situation. Do you possess a proactive personality? Are you willing to complete tasks on your own without someone holding your hand along the way? To be truly successful in this type of program, you need to be a very independent individual. As long as you have the motivation and desire to succeed, you can achieve anything you want through an online degree.\n\nProvided you do all of your research before jumping into the college waters, you’ll be able to find an accelerated degree program that works for you. With accelerated online degrees, you need to have the ability to manage your time effectively, because it’s very easy to get behind in your coursework if you aren’t keeping up with the rest of the class. Fast degrees are definitely a convenient way to further your education online in a shorter amount of time, but online study requires an intense amount of drive and focus. If you have the willingness and desire to get the work done, you will succeed in obtaining an accelerated degree online.",
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