Lifestyle Fashion

Are you desperately trying to make the person you like be like you? This is how you can easily do it

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Is it possible to get a person like you back? Well, if you have a crush on someone and you want to like them, then you have to be prepared to do some hard work. This is what you should do when you want your crush to like you.

Be nice

People only like people who are nice to hang out with. While your drama queen act may get your attention, it’s not enough to keep it. Men like looking at high-maintenance women, but they don’t like dating them, at least for long. And men who come off as the bad boy or gamer image don’t attract a woman’s attention for long. So be a nice and nice person to be with; one with whom you would like to spend some time.

Develop common interests

Another way for your crush to like you is to develop common interests. Since you are in love with this person, you will know what their interests are. Make an effort to spend some time together and to find out why you like what they do. This will make him like you for your interest.

Express your interest

You need to express your interest in the person you like. Now you must do it in a very discreet way through suggestive comments. Say things like, “You are so funny” or “I love that you are so passionate about XYZ.” Your gratitude will make it bend towards you.

Don’t be an easy prey

Just because you have a huge crush on this guy / girl doesn’t mean you have to be easy to convince. Demand to be treated with dignity and respect and show that you are a loving and caring person, but that you will not tolerate any unworthiness. This will show your strength of character and will make him like you.

Make him laugh

If you and your crush can have a good time together, they will eventually like you. To speed up the process, you can make sure he is having fun with you and laughing with you. So make the person you like laugh and make them like you.

Don’t add pressure

Never appear to be in a hurry and all he is looking for is to like you. That just cushions all the effort you’ve put in so far. Let the process of liking you happen naturally and effortlessly.

Be loving

Show the person you like that you are a caring and considerate person by doing simple but thoughtful things for him / her and they will like you.

Pets

Pomeranian puppies – an extremely loyal breed

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Pomeranian puppies can be a sweet and delicious addition to your home. Before responding to that newspaper ad or heading to your pet store, you should first get a little information about these little dogs including how to pick them and what to expect. Descendant of the German Spitz dog from the European region, this particular breed is quite young. While they are a well tempered breed by nature, you will want to consider how they would fit into your current and future lifestyle before adding one to your family.

Pomeranian puppies are small, but generally adult Pomeranians are not much larger. They are an active breed that has a uniform temperament, even if they sometimes suffer from what is popularly known as small dog syndrome. Small dog syndrome is not a disease, but a negative personality trait that develops when their owners do not train them properly. Unusual traits like being overly dominant and possessive are a direct result of letting this little dog run the show. While Pomeranians are very good dogs for adults, they may be more inclined to act aggressively around children. Take care to employ the use of a qualified dog trainer before bringing this breed into any household that is occupied by children, especially if they are already affected by small dog syndrome.

Pomeranian puppies should be chosen for their desirable appearance as well as their origin. Like all dogs, buying a dog without proper paperwork proving that it is a purebred can cost you money. If you had planned to race or breed the Pomeranian, this paperwork will be necessary. Being sure of the dog’s ancestry will also be important for medical reasons. Pomeranians come in a wide variety of colors and patterns. Some are more desirable than others, however a different or unique pattern should not cause you to question the origins of the dog. Breeders are constantly producing new varieties of this particular breed of dog.

After purchasing your Pomeranian puppies, if you keep them well cared for and loved, you should expect to have them for many years. The average life expectancy of a Pomeranian is more than 15 years. Be very careful with newborn puppies as they are very susceptible to injury. Once the dog is fully grown, he will be extremely playful and will need daily exercise. Pomeranians are not known to have many serious health problems. Because they are so small, the costs associated with feeding will be minimal. Take into account factors such as caring for your particularly long coats.

Buying Pomeranian puppies can be a great way to bring a little happiness to your home. This breed of dog is easy to keep, extremely loyal, and you have a wide variety of them to choose from. If you live with children, consider their sometimes fickle temperament before bringing one with a child. These are very small dogs, so you won’t need to spend a lot to feed them, but grooming their long coats can be a hassle. As long as you weigh all the pros and cons, you should feel comfortable with your selection.

Real Estate

How to Get a Non-ChexSystems Bank Account Without Getting Scammed

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Predatory loans exist in the mortgage industry. This is usually when a mortgage broker adds unnecessary fees to a bad credit application, knowing that the applicant is in dire straits.

Predatory banking can also exist for those who have ended up at ChexSystems.

ChexSystems is a network of financial institutions (mainly banks) that regularly provide information on account holders who mismanage their checking or savings accounts. Almost all US banks are part of this consortium.

Bounce a check and don’t pay it in a timely manner, and you could end up at ChexSystems. Even if you receive a fake check and the bank suspects a crime, you could fall into the ChexSystems dock.

And the sentence for this financial crime is not light.

If the bank that put you on ChexSystems refuses to reveal your name from the ChexSystems database, it will be almost impossible for you to get a bank account of any kind for 5 years.

Even if you cancel the offending debt, the bank could still hold you as a ChexSystems prisoner. Wicked, but 100% true.

So naturally when you have a situation where people are caught between a rock and a hard place, the vultures come out to feed. This is what you can find if you are looking for a non-ChexSystems bank account.

Before paying money for any service that claims to provide you with a non-ChexSystems bank account, make sure it passes the following tests with flying colors.

  1. Make sure the bank is FDIC insured.

    According to the FDIC website:

    “The FDIC, short for Federal Deposit Insurance Corporation, is an independent agency of the United States government. The FDIC protects you against the loss of your deposits if an FDIC-insured bank or savings association fails. FDIC is backed by the faith and credit of the United States government. “

    Simply put, if you decide to open a bank account with an institution that is not insured by the FDIC, you could basically lose all of your money if that institution goes down. Therefore, it is extremely important to check the status of banks before opening an account. You can easily verify that a bank is FDIC insured on the FDIC website.

  2. If it is a credit union, make sure it is insured by NCUSIF.

    NCUSIF insurance is similar to FDIC insurance, except it is for credit unions. According to the website of the National Association of Credit Unions:

    “The shares of your credit union are insured by the National Credit Union Stock Insurance Fund (NCUSIF), a branch of the NCUA. Established by Congress in 1970 to insure the share accounts of members in For federally insured credit unions, the NCUSIF is administered by the NCUA under the direction of the NCUA Board of three. Its stock insurance is similar to the deposit insurance protection offered by the Federal Insurance Corporation of Deposits (FDIC) “.

    All credit unions that are insured by NCUSIF can be found at ([http://www.ncua.gov/indexdata.html]).

  3. Make sure the institution has a physical branch.

    This is one of the easiest ways to remove bad seeds. Banks with physical branches are always legitimate financial institutions.

  4. Do some background work at the bank.

    Perform a WHOIS lookup to see the registrant of the bank’s domain name. If you are a single person, that should raise a red flag. It should always be the name of the bank or business name. Look on the banks website. There should be separate phone and fax numbers and a legitimate mailing address, not a PO box. You can always call 411 to confirm that the phone number matches the address listed. But also keep in mind that some banks have a central location where they handle general calls.

  5. Make sure the bank does NOT require you to use direct deposit to open the account.

    There are some financial services that offer checking accounts without checks. (As far as I know, this is not a scam). But what if you don’t receive direct deposit? Or what if you change jobs and no longer receive your checks by direct deposit? So you’re basically back where you started. What if you want to use checks? I mean, a checking account without checking completely defeats the purpose of obtaining a checking account.

  6. Make sure the institution doesn’t charge you for common items like monthly statements, phone services, and withdrawals.

    I recently noticed a financial service charging outrageous fees for options that are normally offered for free through regular banks and credit unions. They charged for everything but the kitchen sink, which included: a fee to check your balance at the ATM, a fee to receive a monthly statement, a fee if you want to return something you bought from a retail store, a fee for use their automated phone service. And that was just the tip of the iceberg!

Even if you are in ChexSystems it does not mean that you should be a victim of stratagems like these that drain you financially. There are always better alternatives waiting behind the scenes.

Shopping Product Reviews

Comparison between Android and iPhone

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There are many iPhones and Android Smartphones on the market, which creates confusion over which one to choose. There have been many debates, discussions about whether Android or an iPhone is the best buy. I think an Android phone is better than an iPhone.

The following are the reasons why an Android phone is better than an iPhone:

1. Selection:

There are numerous Android phones and deciding on a specific Android phone depends on many factors such as storage, operating system, camera quality, screen, color, etc.

2. Personalization:

Android is the best option if you want a personalized mobile. A third partial application can be installed if one does not like the standard keyboard. The Android phone allows you to customize your predictive text in messages, has cloud storage for all images, a health app, third-party keyboards, text messages with swype, etc.

3. Hardware:

This is one of the main reasons for a clear discussion between Android and iPhone. Focusing on two current flagship mobile phones with Android and iPhone, a better clarification on the argument can be obtained. Below is the comparison;

Samsung Galaxy S7 Edge (Android)

4 GB RAM

Screen size 5.5 inches

Screen resolution 2560X1440

Screen type AMOLED IPS

Pixel Density 534ppi

Size 150.9 x 72.6 x 7.7mm

Weight 5.54 oz (157g)

Wireless / fast charging Yes

3.5mm jack (auxiliary) Yes

5 megapixel front camera

Android 6.0 (Marshmallow) operating system

2.3 GHz Octa-core Exynos 8890 processor

Apple iPhone7 Plus (iPhone)

3GB

5.5 inch

1920X1080

401ppi

158.2 x 77.9 x 7.3 mm

6.63 oz (192 g)

Not

7 megapixels

iOS 10

2.3 GHz quad-core

Apple A10 Fusion

Based on the comparison above, the Samsung Galaxy S7 Edge, released 6 months earlier than the Apple iPhone 7 Plus, is of better quality when it comes to hardware.

4. The Google Play ™ store:

Compared to Apple’s app store, submitting an app to Google’s app store is much more feasible as Apple goes through a tedious process of checking whether the submitted app follows their guidelines or not. This process can prevent malware associated with downloading an application. On the other hand, Apple denies the entry of its application in the application store if the chevron symbol has been used incorrectly, with the aim of creating a perfect application. However, submitting an Android-created app to the Google app store is much easier than that at Apple, making it less stressful and easier to create an app.

5. Widgets and multitasking:

Widgets are a great advantage for Android than for iOS, as the deployed applications are limited on iOS, as they can only be added in the notification center. Notably, Apple doesn’t have any homepage widget to clear the clutter, while all sorts of widgets like custom clock, weather, alarms, phone calls, email, messages, flashlight, etc., are favorites on Android. And they can be organized on the home screen according to the choice of others. Multitasking on Android is very easy to use than on iPhone. Multitasking on Apple is somewhat useful and has not been properly implemented, while multitasking on Android has been useful for quite some time, making it a winner over Apple iPhones.

6. Expanded memory specification:

Many Android phones have expandable memory that an iPhone doesn’t. Instead, Apple would need an additional investment to upgrade any of its 16GB phones to a 32GB or 64GB micro SD card to the iPhone. With this in mind, Android is once again a winner.

7. Removable battery

Several of the Android phones have a removable battery that can be replaced with a generic battery of your liking. While that’s not the case when using Apple iPhones as the owner, you have to visit an Apple store. Some of the Android phones like the LG G5 offer a separate battery for use.

8. Durability:

Most Android phones are durable as they are made of sturdy plastic or polycarbonate than iPhones which are mostly aluminum based.

Based on all the above comparisons, buying an Android phone is more advantageous than buying an iPhone. Finally, considering the market share, the market size of Android phones is larger than that of iPhones. So it is better to have an Android phone than an iPhone.

Thanks

Sports

2015 Fantasy Football Sleepers

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One of the keys to winning your fantasy football league is the ability to recruit Sleepers. The “sleepers” are NFL players who are drafted in much lower rounds in their fantasy football drafts than their final stats warrant. In terms of shopping, this is like getting a 22-ounce bottle of Not Your Father’s Root Beer (the 19.9% ​​version … mmmmm, mmmm) for A&W prices. In the world of full-season fantasy football, this is the avenue to league championship. We have seen championships won on the heels of Sleepers every year. They’ve come out of nowhere to record monsters years after being double-digit or exemption cable picks. When you can get a player at the end of your draft who becomes your No. 1 producer at a certain position, you, my friends, have a true Sleeper. Below are some projected fantasy football sleepers by position for the 2015 season.

2015 Fantasy Football Sleepers

QB: Teddy bridgewater (Minnesota) – Teddy took the reins from Matt Cassel at Minny in Week 4 in 2014 and never looked back. He was composed, confident and productive and returned in 2015 as the opener of the opening game with experience and new toys. He had a trio of running backs to hand the ball to last year, but none of them were named Adrian Peterson. You might think the Vikings will throw Peterson to the ground since he has fresh legs, which is possible, but having him in the backfield will open up the passing game much more than last year’s timeshare. The Vikings also improved at WR by trading senior Greg Jennings and adding orderly Mike Wallace. On top of that, the Vikings will have a healthy Kyle Rudolph TE to add to the mix. Teddy is being selected in double-digit rounds like QB2, but there’s no reason not to believe that you won’t find more games than you’ll want to start with.

Also consider: Derek Carr (Oakland), Ryan Fitzpatrick (Buffalo)

RB: Joseph randle (Dallas) – Even though owner Jerry Jones is a jerk, there’s no way he would let DeMarco Murray go and be content to bring in RB Darren McFadden to replace him unless he relied on his reserve RBs from 2014. I think the McFadden’s move It was a sympathy move from a fellow Razorback alumnus as McFadden has been a real flop since he was drafted by Oakland in 2008, though injuries are the main reason. He was very talented in college, but one has to wonder how much his speed has affected his myriad of injuries. With McFadden already battling hamstring injuries, Randle is strengthening his position as the opening game starter when Dallas realizes that McFadden is as far from a dependable workhorse as I am. Randle is only 23 years old and has a great combination of size and speed. Even if Randle starts the season with just 15 carries a game, I expect good things as he could probably get 100 yards a game behind that huge Cowboys offensive line.

Also consider: David Cobb (Tennessee), David Johnson (Arizona)

WR: Nick toon (New Orleans) – We featured Brandin Cooks of the Saints at the venue last season and he made us look smart … until he missed out on injury. He’s back this season and healthy, but the Saints have rebuilt their offense and lost TE Jimmy Graham and WR Kenny Stills in the process. With WR Marques Colston getting older, Cooks is going to need a running mate and we hope Toon will be that partner. He is entering his third year in the league and seemed to be in tune with QB Drew Brees towards the end of 2014 when he had 17 of his 23 career receptions in the last 6 games of the season. Even though the Saints started to rely more on the running game last season, there’s no way they’re not keeping Brees’ pitching arm active and we see Toon MUCH more involved than ever. You should be able to catch him with your latest WR pick and not risk too much for a huge advantage that makes him a massive fantasy football sleeper.

Also consider: Allen Robinson (Jacksonville), Davante Adams (Green Bay)

YOU: Austin Seferian-Jenkins (Tampa Bay) – Jenkins was thought to be entering his 2014 rookie season, but he limped through the season with foot, ankle and back problems and had little impact. He comes into 2015 healthy and with a rookie quarterback, which is often a good thing for a pass-catching tight end, as a rookie quarterback often flies past and finds his TE as the passing rush draws near. At 6’6 “262 pounds, Jenkins will be easy for QB Jameis Winston to find on the field. The Bucs added new offensive coordinator Dirk Koetter this season from Atlanta. Atlanta put the ball in the air more than all but two teams. last season, so there should be plenty of opportunities to put that ball in Austin’s big hands in Tampa.

Also consider: Rob Housler (Cleveland), Josh Hill (New Orleans)

K: Connor Barth (Denver) – Barth came on board in 2014 after the Broncos kicked Brandon McManus to the curb and quickly made 15 of 16 field goal attempts and all of his extra points. Barth didn’t line up for any really long field goal attempts, but he had shown his leg strength during his four seasons in Tampa, so he would expect to see those opportunities show up on the air from Denver this season. Denver’s offense may not be as powerful this season as it has been since quarterback Peyton Manning joined the team, but they will provide Barth with more than ample opportunities to compete for the league scoring title.

Also consider: Greg Zuerlein (St. Louis), Blair Walsh (Minnesota)

D: Miami Dolphins – The Dolphins were slightly above average last season with DEs Cameron Wake and Olivier Vernon causing some havoc. In the offseason the Fins added Ndamukong Suh and now this defensive line is one of the top 2 or 3 units in the league. With the added pressure, you can also expect an increase in fumbles and interceptions. Expect the defense to really rack up points in the first half of the season, as no opponent has a scary offense in a game at Foxboro, and I honestly hope the Patriots go down a bit this year.

Also consider: New York Jets, Minnesota

Tours Travel

Dinner at Salotto at Delray Beach

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We were in Salotto with a great ristoriante that will fit well in no matter what Italian! So since I was the first to be there, I sat on a stool in the super cozy wine bar, I think he was actually calling me, I heard him whisper my name! So this charming Italian bistro has a WINE BAR! This is gonna be great! my friends can be as late as they want. I met Claudio (with a heavy Italian accent), the sommelier who oversees the Salotto Wine Bar. Ooooh! It has Deerfield Ranch wines by the glass and Tobacco Road and Black Coyote. This will be the best impromptu night yet!

One thing about Italians, whether at home or at work, they make you feel so welcome that you just want to kick off your shoes and relax like you belong there. So Claudio and I talked about sommelier with sommelier, I’m not sure if I understood everything he said but oooh it was dreamy and “talking the grape” with someone else who knows; so I smiled and took a sip of my Deerfield Ranch Red Rex which, by the way, has 6 different grapes that make up its impeccable composition: Cabernet Sauvignon, Syrah, Merlot, Sangiovese, Malbec, Cabernet Franc, (that’s what they talk about the wine geek) and Claudio and I totally ‘compared him to the always unconditional, king of kings, Chateauneuf-du-Pape who owns thirteen grape varieties. Oh God help me, I was in heaven!

My friends finally arrive and we sit outside on Salotto’s lovely patio enjoying the mild 60 degrees and order plate after plate after plate of homemade handmade pasta and sauces prepared exclusively by the owner, Tina, who literally hits her kitchen like a tornado. White. . We have the opportunity to meet Tina and her husband John, who welcomed us like family in their “home”. This Salotto is a great find, everyone knows everyone. We didn’t actually do it, they just made us feel that way, that great way to welcome the Italian. The food, the atmosphere, the true authenticity of the owners and yes, the incredible selection of wines has this gem right on the brink of being something so magnificent that everyone will be clamoring to eat whatever Tina’s kitchen is preparing along with the Claudio’s wines; Hurry up and find locals, or you’ll never get a table in Season. I will though!

Salotto Ristoriante & Wine Bar

145 NE 4th Avenue

Delray Beach, FL 33483

561 266 0311

Arts Entertainments

OMG! My wedding makeup test was a disaster

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You must be pissed off right now. Time and money wasted on a wedding makeup try and still no makeup artist. Was her makeup skill out of touch, or was she just not up to scratch? Was she unprofessional or did she just look sloppy? What about your products? Were they only half clean or, better yet, of poor quality? There is nothing worse than being less than a month away from the wedding of your dreams and you don’t have a makeup artist.

Your wedding makeup test from hell

Your appointment is scheduled for 5 pm and your makeup artist arrives at 5:30 pm Now you have to delay your dress fitting appointment and your appointment to pay for the spot. You’re already rolling your eyes, but you’re staying optimistic because you don’t really have a choice.

No apologies. He hardly knows your name or he mispronounces it. You forgot everything he said or emailed you about your wedding. She’s obviously trying to improvise and all you can think of is “This chic better be good!”

Thirty-five minutes says it’s complete, but when you look in the mirror, there are obvious problems. Your foundation is well mixed but it is the wrong color. You look like a ghost. Her eyeliner looks crooked and her lashes feel like they’re falling off. However, she assures you that your lashes are tight.

You absolutely hate your appearance and to add insult to injury, you have to pay for this disastrous wedding makeup test.

How to avoid a bad wedding makeup test

Let’s be honest. No bride wants to experience a horrible wedding makeup tryout like this one. While some things (like your makeup artist’s attitude) are completely out of your hands, there are some factors that are absolutely avoidable. Your goal is to put yourself in the best possible stage to foster a near-perfect wedding makeup try-on experience.

Ask questions. You know what your face looks like and what you want it to look like on your wedding day. Is there a tattoo on your neck that you want to cover up? Do you want highlights and contours like Kim Kardashian? Share this information with your makeup artist and find out if she is capable of creating your best makeup look for the wedding day.

Uninvite friends. The idea of ​​having bridesmaids or friends at your wedding makeup test may sound tempting, but it can sometimes backfire. Laughter, chatter, and many opinions can drag out the test longer than necessary, and worse, it can make you feel less confident in your makeup look for your big day.

Happens in time. The wedding makeup try-in is a beauty date that you don’t want to miss or be late. In fact, if you allow yourself 10-15 minutes to think before the test begins, you can be more confident in the eyeshadow or lip color you want.

Know your hairstyle. Your hairstyle and makeup complement each other. If you plan on getting an updo, pull your hair back for your wedding makeup tryout. Similarly, if you plan to wear bangs or a new hair color on your wedding day, wear a similarly styled wig in your wedding makeup tryout. The last thing you want on your wedding day is to have a lip color that clashes with your gorgeous new golden locks.

Be cost conscious. Safe. You know how much the wedding makeup test cost. Or maybe you got lucky and it’s free. But did you know that the makeup artist’s assistant is not free? Or did you know that going over the allotted time for your appointment can add to your costs? Sometimes there are hidden costs that can become a thorn in your side. Avoid them at all costs.

Bottom line: wedding makeup fitting is extremely important. This unpretentious beauty quote dictates what kind of photographic memories you will have from one of the most special days of your life. Ultimately, you want to give yourself time to make mistakes, change your mind, or survive crazy and unsuspecting wedding makeup artists.

Technology

Important considerations when designing a mobile application

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If you are planning to develop an application for entrepreneurial operations, here is a tip, do not launch without considering the essentials. Calm down, take a deep breath, and get used to the different ways people have used mobility, then start from there.

Of course, mobility is becoming a favorite, which is equally essential around the world, but that doesn’t mean that people download an app that comes out, even if the stories surrounding it sound particularly engaging. People only download apps that will be useful to them on their phones. Includes business applications. If your application becomes more complex than it is worth, users will discard it.

As everyone has started to take applications more seriously than before, it is crucial that companies plan applications carefully and clearly. A slight lack of knowledge can cause irreparable damage. For businesses, these losses will undoubtedly cost them a lot. However, we will list some critical considerations that businesses need to take into account before starting to build a mobile business application. Dependence on the built-in security features of an application development platform or technology should be removed so that developers can find more reliable backups. Application security is crucial, if not the most critical aspect of enterprise business. Companies, therefore, must always be on the lookout and find out if developers are giving it the attention it deserves. Never think that because your app is an iOS app, it will run on the most secure mobile platforms. This is because there have been incidents where the supposedly safe iOS has also encountered cyber attacks.

There is an excellent need to take extra measures on the edge of security and also to ensure that your developers are not left behind, but are on top of the security situation.

Create multi-level authentication

If you have cyber attackers behind your application, using password-based authentication will do very little to save it from these criminals. There is a great need for multi-level authentication as it provides foolproof security. It will be useful and more difficult to hack when not only the password contains the key. Multi-level authentication systems involve the provision of the code sent to users on their mobile phone numbers. Also, if your password is leaked, cybercriminals will have to provide you with the PIN that was sent to you. Only then will security be granted. At last, they will stop working hard to unlock your phone.

Avoid insecure data transmission

All companies consider their data to be as valuable as their capital. Therefore, they do their best to provide you with the highest levels of security. Very often, this data is the future of these companies. In applications, although encryption ensures protection, 33% of IT companies, sadly, do not use encryption methods to provide much-needed security for their applications. It is essential that you take application security very seriously. Apart from this, your development team must implement the best security method so that insecure data transmission is a thing of the past.

Limit data caching vulnerabilities

It’s easy for hackers to access your cache data. Therefore, to avoid annoying security breaches that can be caused by cached data, you should instruct your developers to reduce caching and avoid other related vulnerabilities caused by this. One particularly important solution is to add password access to the application. Another solution involves programming the application in such a way that it clears all cached data upon restart of the application.

Business

Avoid foreclosure by paying your mortgage quickly

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In today’s world, it is very difficult to have true job security. Too often, homeowners lose their jobs and it becomes more difficult to make mortgage payments. A paid home is not subject to foreclosure, unless, of course, the taxes remain unpaid. Therefore, it makes sense to pay off your mortgage as soon as possible to avoid foreclosure. Many families have, even during this period of the foreclosure crisis, and another couple has offered their advice on how they plan to pay off their 30-year mortgage in half the time.

When you pay for your house, you release a large chunk of your budget and take some of the burden off your shoulders.

Said couple bought a $ 350,000 home in 2000 in Seattle and have found several ways to spend extra money on their mortgage. In fact, hopefully their dedication to being mortgage free will allow them to pay off their 30-year mortgage in 2015, half the time they agreed to.

Below are some of the ways these homeowners made extra money and saved money to pay off their principal balance.

1) Work hard, play hard. Strive to do what you can at work to prove yourself invaluable to your boss and / or company. It is no longer a fact that you will have the same job 10, 20 or much less 5 years from now. Do what you can to be invaluable on the job and fight for promotion or at least as much job security as possible. Paying your mortgage early means more time to splurge on yourself later.

2) Make good use of your tax return. If you are one of the many who receives a tax refund each year, apply it to your mortgage payment before you are tempted to spend it.

3) Sell a vehicle. Some families have more vehicles than they need and do not take advantage of public transportation. If you can get by with fewer vehicles than you currently have, sell one or two and put that money in your mortgage.

4) Earn additional income. Craigslist is a great place to look for side jobs like sitting / walking, cleaning houses, etc. You can also sell items on the internet, such as disused items, clothing, or even crafts / items that you make.

These are just a few of the ways you can put more money into your mortgage so that it pays off faster than the term of your loan. A paid home is less likely to be in foreclosure than one with a large unpaid mortgage.

Home Kitchen

The cost of granite countertops

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The beauty, toughness and usefulness of granite makes it a highly desirable material for countertops in home design. In addition to its natural strength, granite is a beautiful stone that adds color and warmth to a room. Although the cost of adding granite countertops to any new kitchen or remodel can be quite high, they are still the best option in many new and remodeled homes.

The price of granite countertops ranges from $ 60 to $ 120 per square foot, which may or may not include the cost of installation. Discounted granite can be found for as little as $ 30 per foot, not including installation. The cost of the premium is not in the stone itself, but in the costs related to transportation and installation.

The stone industry remains unregulated, which can make it confusing. Each entity that handles granite, from quarry to supplier and manufacturer, can set their own prices based on local market demand. Full-service dealerships, so the owner doesn’t have to do the shopping or planning, will add a profit margin of up to 50%.

Granite vendors typically have three or four groups (or “tiers”) of granite to choose from. The first tier will consist of the premium products that are sold at the highest price. Stones are grouped based on several criteria including country of origin, color, veins or patterns, thickness of the slab, the amount of soft minerals in the stone, and current fashion trends. Some granite colors exhibit “” movement “” or a distinctive pattern within the color. The combination of color and movement also affects the final price of granite countertops.

The granite of the lower levels has the same beauty and utility as the slabs of the upper groups. Also, the stones on a lower level can be harder than the stones on a first level, so it is worth going out and looking around. A lower level could also be called “commercial quality”. Typically commercial grades have a large number of “holes” that have been filled in. The presence of softer minerals may require additional cabinet supports or penetrating sealant, which adds to the final price of granite countertops.

The cheapest and thinnest cut stone can be a little less than two centimeters instead of the recommended three, in which case the installer would laminate it to the plywood backing for additional stability. Discount granite suppliers will typically deal with a finer cut stone; many suppliers now carry stones that are intentionally cut and quarry rolled. It is now common for stone originating in Asia or India to be cut and manufactured prior to shipment. Prefabrication creates a lower cost product with less waste shipped to the supplier. In addition, manufacturing is done in countries with much lower wages, saving on labor costs at the final destination.

The price of granite countertops is greatly affected by the amount of seams and cuts that will have to be made in the stone slabs. Discuss how the cuts will be made when the installer or fabricator makes his preliminary measurements for the template. Another thing to question is the hidden costs of wasted material. Depending on the length of the countertops being installed, there will be at least three square feet of waste when the manufacturer is done. The cost of the wasted material is paid by the owner.

Shopping for granite countertops doesn’t have to be frustrating. Focus on finding a reputable supplier and installer who is willing to answer all of your questions. Even though labor costs are the highest price for granite countertops, this is a project that should be left to the professionals. Large sheets are extremely delicate and must be cut precisely. Failure to properly position a granite countertop could create a costly mistake for a do-it-yourself homeowner.