Digital Marketing

Answering your questions about VA home loan myths

Having access to VA home loans (VAHL) is one of the main advantages associated with being in the military. VAHL has a low or no down payment and offers 100% mortgage financing and refinancing and flexible credit guidelines. Many new borrowers who qualify for VAHL don’t even apply because they believe many of the half-truths out there. Because the rules and requirements for VAHLs are constantly changing, every time they are canceled or changed, word doesn’t always get out. As a result, misconceptions about the VAHL program run rampant. Here are some of the most common myths about the VAHL program debunked.

You must be on active duty to qualify for a VA home loan

You do not have to be on active duty to qualify for a VAHL. Your eligibility for a VAHL is determined by your current and past service. Simply put, veterans who have served at least six months between 1964 and the present are likely to be eligible for VAHL.

Veterans automatically qualify for VAHL

Just because you’re eligible for a VAHL doesn’t mean you’ll be able to get one. Obtaining a Certificate of Eligibility is only half the battle. Generally, you must have a debt-to-income ratio of less than 41% and good credit if you want your VAHL application to be approved.

VA Home Loan Financing Fees Are Expensive

The VA financing fee is a one-time fee required by law and is currently 2.15% on loans with no down payment for first use and 3.3% for second-time users with no down payment. The financing fee is reduced when you make a down payment. Some claim the financing fee is expensive, but it’s actually less expensive in the long run than the private mortgage insurance it replaces. If you apply for a conventional mortgage, lenders will require you to have private mortgage insurance if you pay less than 20% down. Private mortgage insurance typically costs between 0.5% and 1% of the total loan amount annually.

VA home loans take longer to close

Many people assume that VAHLs take longer to close than conventional loans, but that is simply not true. The decision whether or not to approve a loan is left to private lenders, so the application process for a VAHL does not take much longer than the application process for a conventional home loan. It is rare for the VA to have to step in and review a loan application. In most cases, VAHL can be closed within a month.

Every real estate agent knows about VA home loans.

There is no such thing as a VA certification for realtors. Therefore, you should not rely on most real estate agents for VAHL advice. Look for a lender whose majority product is VA-backed loans if you want your lender to be aware of the VAHL process.

Relationship

Tips for buying a gift for your teenage friend

It may be difficult for you to shop for a gift for a teenager. However, if you get to know him, the decision may become a little easier. What you have to do is ask him about his interests. Make sure your questions are open ended. Afterwards, you can put together a list of things that you can give him as a gift. Below are some tips that can help you further.

meet the teenager

Find out what interests you. This will give you a pretty good idea of ​​what you can buy for them. For example, you can ask him what he likes to do on vacation.

Yes or no questions will not help. Instead, you should ask open-ended questions. This is the best way to get as much information as possible. Also, this can help you gain deeper insight into their interests.

You can also check your Facebook timeline or Instagram history to get to know you better. You can also ask your parents, as they can better tell you what your child likes or dislikes.

Go for the right gift

As soon as you know what interests him, you can create a list of things that you can gift him. All you need to do is type a few names. Your next step should be to write the name of the things that are related to the things you have already listed.

Consider your own interests. Another way to choose the right gift is to remember the things you liked as a teenager. Most teens opt for things that give them more freedom and responsibility. You can also opt for a gift based on your own interests.

Consult the Internet. Many sites offer a list of things that cater to the taste of teenagers. On these sites, you can get many gift suggestions. Often the list is created based on things that other teens frequently buy. Therefore, you can check these sites to find out if you can choose one of the things as a gift.

Check your list. Depending on your budget and other factors, you should review the list. Once you have narrowed down your options, it will be easier for you to make the right decision.

buy gift gifts

You can send a gift card. You’ve exhausted all your options, but nothing seems to work. In this situation, you can opt for a gift card. The gift card can be from your favorite retailer such as Game Stop, Best Buy, Urban Outfitters, etc.

Choose a cash gift. Alternatively, you can send him some cash. In fact, this is the easiest way to help a teenager buy things that he really likes. Therefore, you can buy a gift card at a good local pharmacy or store.

So here are some simple tips that can help you buy the best gift for your teen friend.

Health Fitness

Superset workouts using the top-secret Escalated Density Training (EDT) technique

How much time do you really have to train? Do you have 5 hours to train a week? 3 hours? 1 hour? 30 minutes? Right now, quantify your total time.

Think hard about the things you do in your daily life that are not necessarily productive. Some examples may include watching TV, reading emails, etc.

I have often been distracted by an email I may receive from a friend or another author that has caught my attention for up to an hour. When I look at the clock on my computer, I realize I have a dozen things I need to do, just for my website.

That doesn’t include chores that need to be done around the house. So we all get distracted, but simply limiting the time we watch TV, email, and phone calls can save us a lot of time.

I’ve adapted a few things in the last few months that are helping me save some time for more important things. For example, instead of running to the TV to watch my favorite shows every time it’s on, I simply watch them online using services like Hulu.com.

This allows me to watch my shows AFTER I’m done with all my work. Simple productivity tips like that can save you a lot of time.

However… this is not a productivity blog.

Well… I guess it is. But instead of teaching you how to do more WORK, I show you how to shorten your workouts while improving your efficiency.

Fitness Productivity Tip: Time-Based Workouts

I have written about time based workouts before. Tabata intervals and other interval schemes are great if you want to maximize your workouts in a short amount of time.

However, one training method that I have only briefly mentioned is something known as EDT, or Escalated Density Training. EDT is a method developed by Charles Staley that allows you to do more work in a shorter period of time.

EDT workouts are where you choose two exercises and alternate between them for a set period of time. That is all. It really is as simple as that. Well… there are some basic rules to follow:

  1. Select two exercises for different muscle groups. For example, don’t do wide-grip push-ups or Hindu push-ups. Instead, do wide-grip pull-ups and pull-ups. The chest and back muscles are opposite muscle groups. Another way to group your moves is to choose one move for your upper body and one for your lower body.
  2. The difficulty levels of the two exercises should be similar. If you’re doing mostly bodyweight exercises, choose exercises and repetitions that make “sense.” For example, if you can do 25 push-ups in a row, but only 1 pull-up, then that’s not a good combination.
  3. Before you create your workout, determine how much time you have to train throughout the week and how many days you want to train. For example, if you are training 4 days a week, for a total of 60 minutes in the entire week, then each workout will last 15 minutes.
  4. You’re going to need some sort of countdown timer. I have a great countdown tool on my cell phone that makes a loud annoying ringing sound once the time is up. Start your stopwatch, alternate between your two exercises, and keep track of how many rounds you do within your chosen time frame.
  5. Record the total number of repetitions you performed per workout. The idea is to perform at least one repetition the next time you attempt the workout.

Advanced Program Design with EDT

Let’s say you have more than 60 minutes a week to train. You can easily create longer workouts by adding more exercises to your workout. For example, let’s say you have 45 minutes to train per session. Here is a sample template of what a 45 minute workout would look like using the EDT method:

Superset #1: 15 minutes

  • Exercise 1
  • Exercise 2

rest 5 minutes

Superset #2: 10 minutes

  • Exercise 1
  • Exercise 2

rest 5 minutes

Superset #3: 10 minutes

  • Exercise 1
  • Exercise 2

If you only had 30 minutes to train, simply modify your work and rest periods accordingly.

Additional Tips from Coach Staley

Here are some direct tips from Charles Staley to help you maximize your EDT workouts:

  • “…the numbers don’t lie. And when your numbers go up, so does your metabolism, your strength and your physical capacity.”
  • Athletes tend to think in terms of thermodynamics: “Okay, if I treadmill for 90 minutes, I’ll burn at least 400 calories…and then if I only eat 1,400 calories a day, I should burn at least 2 pounds.” of fat a week!” It’s all about seeing how little you can eat and how to make exercise as painful as possible… reminds me a bit of the way anorexics think. Athletes don’t exercise, they TRAIN When you go to the gym or the training room to train, your mindset revolves around performance and PR. You’re trying to improve your performance… you’re trying to improve your technique. And when you think like that, your time in the gym becomes very uplifting and motivating, which leads to consistency and results. Bottom line: when you think and act like an ATHLETE, you tend to LOOK like an athlete. And I think THAT’S what most people are doing. seeking ultimately”.
  • “…that you are moving…that it hurts does not mean that you are progressing or achieving a result. Now, it is true that getting out of your comfort zone will imply some degree of discomfort, but that discomfort is a SIDE EFFECT of the work you did, it should not be the goal. Because when pain becomes the goal, you lose sight of the REAL goal, which is increasing work capacity and achieving new PR.”
  • “Density refers to the work to rest ratio of your training sessions: it’s basically how many repetitions of an exercise you’re doing within a certain time frame (for example, 50 repetitions in 15 minutes). Many people are mistakenly focus exclusively on increasing training intensity, or the amount of weight you can put on the bar.”
Legal Law

Social Security Disability and the Importance of Your Previous Work

I recently had a Social Security Disability hearing for a 59 year old man (John Doe) who had been a plant manager for a cement company. The district office had denied his claim on the grounds that he retained the ability to perform light work (lift up to 20 pounds). The district office concluded that his work as he did it was a medium job (lifting up to 50 pounds). The office then concluded that he could not do the job as he did it, but that he could do it as described in the Dictionary of Occupational Titles (DOT). The DOT described the plant manager position as “light duty,” as is generally done in the national economy.

Since the district office found that he had the residual functional capacity (RFC) to perform light duty and that the plant manager position was light duty as defined by the DOT, they denied his disability claim.

In reviewing Mr. Doe’s case with him, I discovered that he had less than a high school education, had worked for his employer for 35 years, did not hire or fire, did not prepare reports, and does not supervise two other workers, but he did much of the work himself. I came to the conclusion that his occupation sounded more like a “maintenance mechanic” than a “plant manager” under DOT. I consulted the book and yes, his job seemed to be that of a maintenance mechanic.

At the hearing before the Administrative Law Judge (ALJ), I affirmed that John Doe was disabled under Grid due to the fact that he was of advanced age (59), had limited education (less than high school), was reduced to light duty for his ailments, and his actual job title at the cement plant was as a maintenance mechanic, although he was called a plant manager.

The vocational expert (VE) who was at the hearing agreed that, according to John Doe’s testimony, he was actually a maintenance mechanic and not a plant manager. He also agreed that John Doe could not fill the job of maintenance mechanic as he did or as described in the national economy because he required a mid-level job (lifting up to 50 pounds).

However, the ALJ was disturbed by the fact that John Doe had stated throughout his application that he was a “plant manager” on the forms he had filled out. I persuaded him with affidavits from his former owner and former director of security that his role was that of a maintenance mechanic and not that of a plant manager. Based on the affidavits, the ALJ awarded John Doe his disability benefits.

In short, the crux of John Doe’s case was determining that his prior work as a plant manager did not actually fall within DOT’s defined plant manager duties. Rather, his previous job was as a maintenance mechanic. Once I established his current previous occupation, I won the case.

Lifestyle Fashion

6 reasons to never give up on your dream

You’ve all heard it before… the old “Never give up your dream” speech. But little by little, one by one, those dreams of yours fall to the ground, are covered by the mundane realities of life, and are never thought of again. Book after book and pep talk after pep talk, yet somehow those dreams still lie buried under his doubts and confusion.

But then something magical happens. You search YouTube for an inspiring video and somehow, under the dirt, that spark shines again. It’s your dream! It seems that she is calling you. You look at how other people seem to be fulfilling their dreams and you say to yourself, “Maybe I can do this… again.”

Life has a way of trapping people in its needs and responsibilities that past dreamers don’t even realize they’ve allowed their own dream to die. Here are six reasons to never give up on your dream.

1. Your dream was placed in your heart with a purpose.

Some people think that having a dream is some kind of selfish possibility that they will come to if they have the time. But what you need to know is that you have been chosen to bring this dream to reality. If you don’t do it, who will? Your dream has a higher price because it has a greater purpose than you.

2. Your dream discovers a need in the world.

Suppose your dream is for others beyond yourself. You must stay focused on the fact that if you give up, others will not experience the answer to their problem. Understand that the decision to quit smoking is always bigger than you.

3. People secretly believe that you will succeed.

We all know the “haters”, those who secretly (or even openly) want to sabotage your dreams. But let’s not focus on them yet. There is another group of people who want you to win! See, if you achieve your dreams, you will give them that burst of faith needed to achieve (or maybe even start) their dream.

4. People want you to fail.

This is where the haters come in. Actually, there are people in your life right now who are stuck in life. They want to get out, but they are not willing to commit time, energy, money (in some cases), or beliefs to get out of the quicksand of failure. In fact, they feel more comfortable in their current situation than taking steps to change it. It scares them. So they want you to stick with them.

You must make the decision to move on, no matter what the enemies say. As you resume your dream, you might entice some of them to resume theirs.

5. Your “why”

Why did you start the journey towards your dream in the first place? Earning money was probably a good motivator, but what is the real “why” behind the dream? Is it breaking the cycle of poverty in your family? Travel the world? To stop a horrendous social crime in your country? At the beginning of your dream, what was the reason you even started?

When you are tempted to give up on your dream, go back to your “Why” and remind yourself that the need is still there and you need to keep going.

6. You owe it to yourself

You can spend all day and night trying to achieve your dream for others, but at the end of the day, you have to realize that you owe it to yourself to succeed. At the end of your life, don’t you want to be able to smile, knowing that you made a difference in the world and achieved exactly what you were created to do? Then go. Pick up that dream, dust it off, and refocus.

Remember, success is a choice. It’s the byproduct of determination, skill, hard work and, let’s not forget, faith. Come back to that inspirational YouTube video if you need to! But above all, make the decision today to live with purpose and never give up on your dream. The world is waiting for you to shine!

By Dana Che | Online business owner

Pets

Are you seriously allergic to your own pet?

Pet allergies

Well, it goes without saying that perhaps two of the most allergic pets known to man are the dog and the cat. I am a pet lover and I know for a fact that my blood pressure has dropped due to having two pets, a cat and a dog. They not only cause us to get up in the middle of a snowstorm to take them out for walks, but the countless hours they have spent playing and snuggling with us. In a word: Priceless!

If you just snuggle up for a moment with your favorite pet and it causes sneezing, watery eyes, and even hives, then don’t get rid of that pet. You have to imagine how confused he or she must be after being introduced to this wonderful family and being rejected again. Well, we are here to tell you that there is something else.

It doesn’t seem to matter where you are, this type of allergy symptom exists everywhere. So the good news is that you are not alone in this battle and the bad news??? Well, let’s just say we can work on the bad news!

It can affect older adults, adults, adolescents, and even young children. Yes, that means everyone! Including you and me. If you!

This is what we do to clear someone of their pet allergy. Basically, you have to put your head in the toilet bowl and hold your breath for five minutes. Any year less time means you would have to do it all over again. Oh, and the toilet bowl must be full of urine from six days ago.

Ummm… If you’re thinking there’s no way I’m going to do that, then you’re right. No way would I ask you to do that! It’s just my sick attempt at humor. I know, I know… You can get back at me later (much later).

OK… This is what you really have to do. A sample of the hair or fur is taken by brushing the upper part of the back, above the buttocks and below the tummy. This is placed inside a zippered bag. You should have collected approximately a “25 cent piece” of hair or skin samples. You can separate the cat from the dog if they have several of each, otherwise keep them all, cats for example, in a bag. At the same time, a sample of your dog’s or cat’s real fur or hair will be placed in the machine. Now, he can finally get back into balance.

Unlike food or seasonal allergies, the removal procedure for any dog ​​usually requires 2-3 sessions. For cats, it’s even worse, it will require 3-4 sessions. But once the allergy is removed, it is removed in 3-5 years or permanently!

Why 2-3 sessions for dogs and 3-4 sessions for cats? I don’t know. That is just what has been found. But wouldn’t you rather be free of your dog or cat allergy than have it persist?

Real Estate

Investing in Real Estate – How to Earn Money Investing in Real Estate

There are two ways to make money in residential real estate: becoming a real estate agent or investing in real estate. For those who prefer the latter, real estate investing can be a worthwhile financial venture. You can choose to fix and sell property, that is, buy, repair, and resell a home quickly, preferably in less than 90 days from start to finish, while earning quick profits. Alternatively, you can do what is called buy and hold. In other words, buy a house and rent it out for the long term. In fact, many investors opt for one or the other almost exclusively, depending on their needs.

If your goal is to get quick money, get in and get out, then a fix and turn around project may be the best solution for you and your real estate investment goals. You want to make sure you have a great real estate agent helping you accurately analyze the market and get a low enough deal on a home that you can still trade in and quickly resell for a profit. You also need a reliable contractor who can easily assess any damage and repair the job, correctly estimate time and cost, and get the job done quickly. Having a team of people behind the scenes is the best way to get things right.

On the other hand, if your goal is to generate a steady stream of income, the route you should take is to invest in real estate in order to generate a steady stream of rental income. Keep in mind that you don’t necessarily have to act as a landlord if that hat makes you uncomfortable. You can hire a management company for a nominal monthly fee to collect rent, arrange repairs, and communicate with tenants on your behalf. To maximize your future income, try to pay off your mortgages as soon as possible with the income from your monthly rent checks.

Regardless of the route you take, investing in real estate can be stressful. You can eliminate much of the risk that comes with surrounding yourself with smart, trustworthy professionals. In fact, if you’re not comfortable with the idea of ​​owning multiple properties, try just one. Choose a warm place where you’d love to retire and buy a nice home in a retirement community. With proper management, you can have the place paid for by the time you retire. Investing in your own retirement is the best type of investment.

Shopping Product Reviews

Best Energy Audit and Audit Services Provider in India

Our Better Energy Audit helps you understand the energy consumption of your buildings and facilities. Quantitative results can provide substantial practical guidance for:

  • Continuous improvement of productive efficiency

  • Identify cost saving opportunities in energy efficiency

Starting with the development of an energy consumption inventory, detailed audit activities will be carried out to identify buildings and facilities, with a focus on streamlining their energy profiles. Field measurements will be taken to quantify critical operating parameters. After establishing an energy consumption profile, potential energy savings opportunities can be identified.

Our energy audit services can offer a range of additional benefits. Management support to support business decisions. You can build a lasting reputation with your customers. As the energy efficiency law or policy will be adopted sooner or later; Earlier preparation can improve your competitiveness.

Energy has a reputed name in providing Energy Audit in India and we are one of the best service providers in this segment. Current audit in your sector:

  • Draw a concise picture of the heat consumption of your production unit, your workplace and the premises of your unit.

  • Quantitative analysis of our experts.

  • You experience a recurring improvement that directly influences your manufacturing efficiency.

  • Better control your energy consumption and efficiency and save energy.

Benefits of the energy audit:

  • When you choose to have the best service audit services in India, you can expect the following attributes:

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With these best energy check services in India, you can eliminate environmental pollution and improve your profitability.

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A vital role in energy consumption and business economics. Our experts are essential in this regard and offer you an electrical audit service.

Our role as an energy auditor is multidimensional and that is why we are recognized for our best energy audit services in India.

  • Raise awareness of self-management and self-sufficiency At our company, we encourage you and your team to take positive steps to save energy and be more aware of steam consumption in your workplace.

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Sports

Why do men always want to get their wife back after an affair? I’ll tell you

I get this question a lot and I get it from women on both sides of this fence. Wives often ask this because they want to know if they can really believe her husband when he swears that he is done with the other woman. And, sometimes I hear this question from mistresses (some of whom are repeat offenders) who ask me why every time they get involved in this type of relationship and even fully invested in it, men eventually end up going back to their wife. .

From wives I often hear comments like “he says he wants to come back to me and he knows he made a big mistake for which he will make amends, but it’s hard for me to believe that he suddenly saw the light and changed.” his mind. Why do men do this? Is there an answer I’m missing?

From the mistress, I often hear comments like “why do you tell me that your marriage is unsatisfactory and that you really care about me and then end up going back to what you seemed to not want? Was you lying to me the whole time?”, or just Was he confused or what?

The answer to all these questions is as varied as the man himself, but very often, he finally realizes that he was hopelessly wrong in his assumptions and in his actions. And at the end of the day, all he really wants is to go back to his normal life (which he now realizes he took so much for granted). I will discuss this more in the next article.

Men often eventually return to their wives because they realize the affair was a mistake based on deceit and unhealthy assumptions: Before I continue, I must say that not all men who cheat will return to their wife. But many do. And those who do often do so because they realize the adventure was a silly mistake that will have far-reaching consequences.

At the beginning of the affair, a man often searches for a way to fix what is broken or missing within himself. At first, it may appear that the matter is achieving this. But the shiny novelty wears off relatively soon, and eventually most men wake up and wonder what kind of logic they were using. Eventually, they realize that making even more mistakes and using questionable judgment will in no way solve their problems.

In fact, they often find that they are actually worse off and more confused and frustrated than when they started. Most of them will realize that they have done nothing more than create a much bigger mess for themselves, and once they do, they will want to put an abrupt end to it.

I often have lovers email me confused and angry that the husband abruptly broke up when they, the lover, did nothing wrong. Often it is not necessarily the lover that is wrong, it is the relationship that is wrong. The husband comes to realize that there really isn’t anywhere this can go and that only negative things will come out. He therefore wants to escape and start fixing things as soon as possible.

Men often realize that the lover is not who they thought she was and that she has nothing to do with his wife: Let’s be honest. People who have affairs very often live in a fantasy land. The mistress appears seductive and carefree because she is not the one doing the laundry, watching her preen herself, or picking up the dirty socks. In the beginning, the mistress is usually quite good at keeping the heart light, and she is often very careful about asking too many questions or making too many demands.

But no one can keep this forever. Soon enough, these two people have to exist in real life and this is usually when the rose-colored glasses start coming out. And the view without them does not look so good. He comes to see that he and his mistress have the same problems as he and his wife. And that ultimately this woman is really a stranger to him and that the situation she has put herself in is very foolish and she has nowhere to go but down.

Men will often tell me that once they realize this, they realize what a jerk they’ve been. Suddenly they see her wife with a new look and realize how much they took her for granted and projected her own problems onto her.

Men often end an affair and return home when they realize they can’t run away from their problems: As I mentioned earlier, spouses often realize that they won’t be able to resolve their problems, stressors, and insecurities through someone else or in another relationship. Usually they will realize that they need to work on themselves or this problem will just follow them from relationship to relationship and continue to make them unhappy.

Once they realize this, they finally understand that they need to get to work with the one person they really care about, the one person they’ve been so unfair to and taken for granted: their wife. It’s so unfortunate that it takes a mistake of this magnitude to force men to wake up and realize that it’s often the woman who has been there for them all along and knows them better than anyone and is more equipped to help them navigate their lives. right now.

Sometimes the wife does not believe these claims and is not willing to pick up the pieces. And no one can really blame her. But, he is often sincere when she says that she can now look back and see that cheating was one of the biggest mistakes of her life and that she wants to make it right if she gets the chance. Many lovers will take it personally, but they really shouldn’t. The relationship didn’t have much of a chance early on, as it was built on dishonesty, deceit, and a fantasy world that never really existed.

Tours Travel

The reefs in Bermuda

This hotel is a luxury Bermuda hotel that has been allocated a small area to operate very close to a beach, which makes it quite unique. Bermuda’s reefs are often advertised in the pages of local newspapers offering tips and advice on vacation activities, but they are also home to many arts and crafts features.

The Reefs has unique rooms in that all rooms are ocean view, facing west overlooking the pink beaches. Those looking for more privacy might settle for one of the several cabanas that are away from the main section of the hotel that have outdoor hot tubs for added relaxation. Club residences allow you to live separately, but at the same time enjoy the pampering of resort amenities and service.

These types of accommodations have special features such as ocean views, central air conditioning, private baths, refrigerators, internet, coffee and tea, a safe to store your valuables, and get out looking your best. Although I would imagine these are offered at all reputable resorts.

Other nice touches are the complimentary drink on arrival and the daily local paper.

The hotel has numerous dining options ranging from an indoor restaurant at Grill 56n or Al Fresco at Ocean Echo or the outdoor offer, the Terrace and Coconuts Beach Bar restaurants that operate in summer. Entertainment from local artists is also offered every night.

Guests looking for more variety can take advantage of the hotel’s “Dine Around” program, which allows you to try other Bermuda restaurants in Cambridge Beaches or Pompano.

The hotel offers a freshwater infinity pool, jacuzzis, complimentary snorkeling equipment, kayaks, all weather tennis courts, pink beaches right in front of the resort, gym with Cybex equipment. Nearby services that can be arranged through reception are: golfing, diving, fishing, sailing, jet skiing, horseback riding and glass bottom boat cruises to mention just a few.

If for some reason you feel like leaving the resort, there are places where you can rent a scooter. And as if that were not enough, for families with small children, there are babysitting services available on request at the reception. What more could you want?