Is Optometry Similar To Ophthalmology?

When should you start seeing Susan M. Sloan, OD? Well, that depends on what type of eye doctor you need. If you do a quick Google search, you’ll find that there are different types of eye doctors. Unfortunately, their names can be confusing, making you wonder which kind of eye doctor can best cater to your needs. For example, there are ophthalmologists, optometrists, and opticians.

A brief overview will help give insight into what these three professions do. An optometrist is an eye doctor who specializes in examining, diagnosing, and treating your eyes. Meanwhile, an ophthalmologist is a medical doctor who is licensed to provide both medical and surgical treatments for a wide range of eye disease conditions. Lastly, an optician is someone who dispenses contact lenses, eyeglasses, and other devices that help correct faulty or poor vision. This blog will focus on the major differences between an optometrist and an ophthalmologist.

Understanding What Optometrists Do

If you need routine eye care, you should look for an optometrist.


To become an optometrist, you must complete a postgraduate optometry program. The program usually takes four years to complete, but the duration varies depending on the school and curriculum. The optometry program tackles basic and advanced techniques of eye examination, case studies, client case history, and other courses like pharmacology. Once you enter into the program, expect to undergo full-time clinical training during the last two years of the program.


How much money does an optometrist make? The Bureau of Labor Statistics revealed that in 2018 the median salary of an optometrist was around $111,790.

Services Offered

Optometrists conduct yearly eye exams. So, if it’s time to have your eyes checked, you should see an optometrist. You can also visit if you need a contact prescription, a refill in your eyeglass, or if you need treatment and medications for eye diseases. But, if your eye condition necessitates surgery, you will be referred to an ophthalmologist.

Some of the services optometrists provide include routine eye examinations, eye health education, eye condition diagnosis, prescription for contact lenses and eyeglasses, and post-surgical eye care. They can also dispense controlled medications for certain eye conditions. Albeit we mentioned that surgery isn’t part of their job, some states allow optometrists to carry out minor surgical operations like laser eye surgery and foreign body removal.

Understanding What Ophthalmologists Do

An ophthalmologist is a medical doctor specializing in performing surgical eye procedures.


In order to become a full-fledged ophthalmologist, one must complete a medical program before starting an ophthalmology residency program. The program can take up to 4 to 7 years. How long it will last depends on the curriculum and the school.

The residency program includes diagnosing and treating eye diseases (both internal and external), training eye disease subspecialties, and surgical training. The training also includes directly handling patients and executing surgical techniques but with supervision.


Ophthalmologists’ average salary is around $290,777 based on the data acquired by

Services Offered

If you need a prescription refill or a routine eye exam, you may visit an ophthalmologist. Furthermore, if your condition requires eye surgery like strabismus, glaucoma, or cataracts, your ophthalmologist can perform these surgeries as well. Aside from surgery, they offer basic optometry services, surgical treatment of eye diseases, and rehabilitation after surgery. Overall, ophthalmologists spend more or less twelve years’ worth of training to provide safe and efficient surgery.

How To Take Good Care of Your Eyes

How can you take good care of your eyes? There are several ways to help maintain good vision.

Eat a Balanced Diet – strive to include fruits and vegetables in your diet. You should also consume fish that are high in omega-3 fatty acids like tuna, salmon, and halibut because they are good for your eyes.

Healthy Weight – did you know numerous studies have shown the relationship between being overweight or obese with diabetes? In addition, people who have diabetes are more prone to develop glaucoma and diabetic retinopathy.

Exercise Regularly – how often do you exercise? Studies show that if you regularly exercise, you’ll be able to achieve a healthy weight, which is helpful in preventing and controlling diabetes. Remember, diabetes can affect your eyesight in the long run.

Wear sunglasses – whenever you’re out in the sun, make sure you protect your eyes by wearing sunglasses. Research shows that sun exposure can increase your risk of macular degeneration and cataracts. So find sunglasses that can block out 100% of UVA and UVB radiation.

Now that you know the differences, you’ll be able to determine what type of eye doctor you need to visit.

Dr. Susan Sloan

Dr. Susan M Sloan is an Optometrist in Sarasota FL, who has been committed to providing professional, personal eye care to adult and children for over 30 years.

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Chiropractic Adjustment: Everything You Need to Know

How can one benefit from Cedar Crest Chiropractic care? There are plenty of reasons why people seek chiropractic treatment. One of the major reasons that draw people to chiropractic clinics is back pain. Studies show that over 20 million Americans see a chiropractor every year, seven million of these are seeking back pain relief. Back pain can be caused by several factors including muscle strains, poor posture, accidents, and sports-related injuries. Besides back pain, people who suffer from chronic headaches, arms, legs, and neck pain find relief from this treatment.

Understanding Chiropractic Care

What Is Chiropractic Care?

The only person authorized to perform this treatment is a professional chiropractor. Chiropractors use their hands to perform spinal manipulation with the aim to align your body’s musculoskeletal structure specifically the spine. Chiropractors believe that if your spine is properly aligned your body will be able to naturally heal itself, this means you will recover from pain even without the help of medication or surgery.

In this treatment, your chiropractor will restore joint mobility that has been restricted because of a fall, sitting too long without sufficient back support or it could be because of repetitive stress.

Chiropractic treatment is mainly used to target pain stemming from tendons, ligaments, connective tissues, bones, muscles, and joints. Sometimes medical doctors partner with chiropractors for a more effective treatment. It’s not uncommon to use chiropractic treatment in conjunction with modern medical treatments.

This treatment believes in the connection between your nervous system and your spine and how musculoskeletal disorders can affect your overall health. Did you know that every living cell in your body is being controlled by your nervous system? Furthermore, all the nerves in your body exit from your spine. The anatomical structure of your spine explains why its physical manipulation through chiropractic care is effective in relieving pain.

Many people suffer from back pain but since they do not want to be dependent on pharmaceutical drugs they just learn how to live with the pain. Well, you don’t have to be dependent on drugs to improve your quality of life. All it takes is chiropractic treatment.

What Happens During a Chiropractic Adjustment?

Many are apprehensive to try chiropractic treatment because it’s unconventional and they don’t know what to expect. Here’s a lowdown of what you can expect during a chiropractic adjustment.

First, your chiropractor will ask you questions about your medical history and perform a thorough physical exam to better understand your body. There are certain cases where your chiropractor will request for diagnostic tests like x-rays, CT scan and MRI scans.

After getting your lab results and reviewing your data based on the interview and physical exam, your chiropractor will start making your treatment plan customized to address your needs. The treatment plan will be based on your test results, diagnostic results and exam findings.

When your plan is ready your chiropractor will start aligning your spine. Sometimes special instruments are used during the treatment. Your chiropractor will apply abrupt and controlled force on your joints. It’s normal to hear a cracking or popping sound. This is completely safe and should not be a cause for concern. Aside from chiropractic therapy, your chiropractor will also offer advice on weight management, diet, nutrition and your general health. Chiropractors also recommend massage, stretches, exercises, hot and cold therapy, electrical muscle stimulation using TENS or transcutaneous electrical nerve stimulators.

How Long Does The Chiropractic Treatment Last?

Usually people experience a significant improvement in their pain level after a couple of visits to their chiropractor. However, recovery and pain relief are not the same for everyone. Some people require frequent visits to meet their goals.

Does The Treatment Cause Pain?

Patients who have tried chiropractic care have not complained of any discomfort during the sessions. However, they do say they feel a bit sore after the treatment but it doesn’t last long.


Chiropractic care has been around for a long time and offers numerous benefits apart from providing back pain relief. Did you know that neck pain is a common complaint of most office workers? Sitting in the office for more than 8 hours a day while using your computer, being on the phone or practicing poor posture will eventually lead to neck pain. A quick spine realignment through chiropractic care can ease neck muscle tension.

It also greatly reduces people’s dependence on opioid pain relievers. Why take pain medications when they can find relief the natural way? One of the major advantages of chiropractic care is that it doesn’t come with long term side effects unlike synthetic drugs.

Dr. Paul Braadt

Dr. Paul Braadt is a 3rd generation chiropractor and a graduate of the prestigous Palmer College of Chiropractic. He has been treating patients for over 35 years in Allentown, PA.

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Tax Tips for People Who Are Self-Employed

Do you know that self-employed professionals enjoy various tax relief services and benefits as salaried employees? For example, you can deduce your business expenses while paying self-employment tax, which in turn, would reduce your Medicare and social security tax. Here are a few tips that you can keep in mind while filing self-employment tax in the next accounting year:

1. Self-employment tax deduction

Your social security and Medicare taxes come under the self-employment tax. Small-business owners, independent contractors, and freelancers need to pay 15.3% tax out of which 2.9% goes for Medicare and 12.4% for social security. In fact, you may have to pay an additional 0.9% for Medicare if your income is more than the threshold amount. Here’s the threshold amounts that you need to remember:

● Single self-employed person – $200,000

● Married but filing separately – $125,000

● Married and filing jointly – $250,000

● Qualified person as the head of the household – $200,000

● Qualified widow who has a dependent child – $200,000

It may seem that the tax structure is a burden on self-employed professionals, but in reality, it is not. Self-employed professionals get a 50% deduction from self-employment tax from the net income while calculating income tax. According to the IRS, the employer’s portion of 7.65% in the total of 15.3% tax is treated as a business expense.

2. Home office deduction

Home office deduction refers to the cost of the space that you use for your business. It doesn’t matter whether it’s a rented place or you own it; the IRS considers it as a home office expense. Make sure you prepare your workplace’s diagram, in case there’s an IRS audit. The measurements need to be accurate to prove that your calculations are correct.

The office space isn’t the only thing for which you may get additional tax relief. A few other expenses that you can also include are repairs for the office throughout the year, homeowners insurance if you work from home, home depreciation, mortgage interest, and utility expenses. For example, if your home-office setup occupies 25% of your home’s premises, then 25% of the annual electricity bill will also come under tax-deductible.

3. Phone bills and internet deduction

In addition to claiming home office deduction from your self-employment tax, you can also deduct internet, fax, and phone expenses. But make sure those expenses are directly related to your business. For example, you can deduct the internet bill that helps run your company’s website. But if you have a single phone line in your house that you also use to make and receive business-related phone calls, you can’t deduct its bill from your self-employment tax.

The IRS only allows a 100% tax deduction if you have a second phone line from which you only make and receive business calls or the cost of long-distance calls for your business from the first line.

4. Travel deduction

Your business trip must last for more than one working day to come under the tax deduction slab. Additionally, your business trip should have some purpose, such as meeting new clients, finding new customers, or learning something that would help in improving your business. Don’t forget to keep all the receipts and records from the trip. You need to file them at the time of requesting for travel deduction.

A few travel expenses that the IRS accepts are lodging, meals, transportation expenses to and from the destination, and if you need to go anywhere else for business purposes.

Self-employed professionals may also enjoy more deductions, such as rent, startup costs, business insurance, vehicle use, advertising, retirement plan contributions, and health insurance premiums. Talk to an expert about the possible deductions your business is eligible for before you file your self-employment tax in the next accounting year.

Ozzie Gomez

Ozzie Gomez is a tax resolution specialist with over 10 years of experience in the industry.

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Smart Ways to Raise Cash Fast

If you are looking for smart ways to borrow money fast, you have come to the right place. Although you might be better off by paying for unexpected expenses with your emergency funds, you may need to look for outside resources to borrow money at times. The most important thing to remember is that all forms of borrowing are not created equal. In fact, some of these methods may have more financial drawbacks than others. This article provides information on some of the best ways to raise cash fast.

Personal Loans

Personal loans are one of the best methods of raising cash for an emergency. Banks offer the lowest annual interest rates for personal loans. In fact, you can easily borrow a few hundred dollars or more than $50,000 depending on your income and employment. If you are already a customer of a particular bank, you can negotiate for a lower annual percentage rate when borrowing cash from the bank. Some banks offer flexible payment options to help their clients manage uncertain financial times. But you should have a good credit score to borrow money from a bank or credit union in the area. If you have bad credit, you may try to apply for a loan from a credit union since they are more likely to accept your request with a higher annual percentage rate. The loan officer will take a close look at your overall financial picture instead of relying on your creditworthiness under such circumstances. But you should become a credit union member before you can apply for a personal loan.

Personal Line Of Credit

Personal lines of credit are actually a hybrid between a personal loan and a credit card. These loans are offered by some banks as well as credit unions in your area. The lender will approve your loan application based on your credit history, employment, income, and other debts. Once the loan is approved, you can draw only what you require and pay interest on that amount – similar to a credit card. This type of credit is ideal for borrowers who are not sure how much they actually need. On the other hand, good credit borrowers will get the lowest rates when applying for personal lines of credit from banks or credit unions in the area.

Online Lenders

Online lenders are convenient and fast when applying for personal loans. All the processing and funding will be done online to expedite the entire process. But some banks or financial institutions will require the applicant to visit a branch to complete the application process. You can easily compare the interest rates of different online lenders by checking their websites and other review sites. The interest rate you receive will largely depend on your credit score, income, and employment. The best thing about online lenders is most of them will do a soft credit check with pre-qualification so that you could shop around without impacting your credit score.

401(k) Loans

Retirement loans are where you borrow money from your future self. Unlike withdrawing money from your 401(k) plan, you don’t have to pay taxes or penalties when you get a loan. 401(k) plans offer some of the lowest interest rates for loans. Another benefit of taking out a 401k loan is that even if you miss a payment, your credit score is not impacted. That is because defaulted 401k loans are not reported to credit bureaus. But there is a drawback of taking out a 401k loan. That is you will be borrowing from your future self and it will lessen your retirement funds.

The aforementioned article provides information on some of the best ways to raise cash fast.

James Clark

James Clark is the founder of, a company that helps people find loans and other financial solutions. James has been working in finance for over 10 years now, and he's passionate about helping people with all their financial needs, no matter how big or small they are!

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Is an RV campground a good investment?

If you have thought of investing in an RV Park, this could be one of the best investments that a person could make. In RV campground tends to be very busy, most of the year, and can lead to substantial profits. There are many investors that will find an RV campground to be a very rewarding experience. Not only will you be your own boss, but you can meet many interesting people. You are also providing a good service for those that are traveling. By hiring a manager, you can allow them to take care of everything. Once one of them becomes profitable, you can then invest in additional ones in multiple states. Here is an overview of why in RV campground could be a good investment.

Are They Profitable?

Although in RV campground will only be used heavily during the warmer months of the year, is usually enough to turn a profit. You may have a standard campground, or an actual resort, both of which will lead to substantial profits. It just depends on where you are located and how much you choose to charge each person. Most people find that they can make up to 20% interest on their money. It is an excellent way to maximize the return on your existing capital. However, there are some things to consider before making this investment.

How To Purchase One

There will always be RV campgrounds for sale. You could purchase one in your local area, or branch out to different remote locations. These are campgrounds that are typically used by people who enjoy hiking and camping. If it is close to a national park, these tend to be the most profitable. You may discover that your investment can pay for itself in just a few short years. Through advertising, you can attract hundreds of new people that may become lifelong customers. They will enjoy their surroundings, and the accommodations that you will provide, so that they can have an outstanding vacation. By searching online for RV campgrounds for sale, you will find several that will look appealing.

How To Manage An RV Campground

Whether you are constructing a new one, or refurbishing an existing campground, the layout should be easy to navigate. You can use concrete and gravel for the parking pads that people will be using. Each one of them must have a water hookup and a source for electricity. In addition to this, you can install a permanent sewer hookup. This is something that travelers will expect. If you do substantial upgrades, you can convert the campground into a resort. This will allow you to charge more money for the services that you offer.

Difficulties That You May Encounter

There are some problems that may arise after you have made your purchase. You may discover that not all of the electrical hookups are working. There may not be a sewer hookup or running water at each parking location. This will be an added expense that you will have to pay for. You may also want to expand the number of parking pads that are there. This will enable you to attract more people. The more parking locations that you have for RV pickups, the more profitable your RV campground is going to be. If you would prefer not spending the additional money, you will simply have to repair areas that need to be fixed. Once each parking location is restored, you can bring more people into your RV campground.

The reason that RV campgrounds are so profitable is that they are virtually maintenance-free. Some of the problems that you may encounter have already been presented. There could be the initial expense of restoring locations that may not have electricity, sewer hookups, or even gravel where people can park. However, once everything is up-to-date, you can earn your money back by charging visitors that stay at your RV campground.

Nick Cebula

Nick is one of the owners of Shaded Haven RV Park. Nick owns multiple manufactured housing parks and is experienced in the business of acquiring, operating and developing communities. Nick is committed to bringing his residents a safe, enjoyable community that fits their affordable housing needs.

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Tips To Professionally Execute The Recruitment Process In Miami

Recruitment isn’t a walk in the park. It requires thorough planning and strategizing of the entire process. When faced with this task, there are two paths to follow, conduct an in-house hr hiring or work with professional recruiters. Miami is a fairly large place with numerous employees waiting to meet their dream employers. The gap between keep widening hence the need for an authentic approach in the entire process. Below is a full recruitment life cycle that you can adapt. You can change a few things to suit your companies needs.

Analyze The Requirements.

The department undertaking the hiring within an organization is normally the Human resources. The first step take is talking with department heads within the primary area that needs employees. It could be accounting, marketing, or finance. It would be best if you had a sound understanding of the dynamics. Have the relevant people define the job positions in-depth. Otherwise, you are likely to attract unqualified people for the vacancies. The meeting should end with a list of all the requirements, skills, experience, education level, professional experience, compensation, job group, and employment terms. It’s a clear guideline hence making the process easy to tackle. This process expedites the job description process.


With the data from the first step, create a compelling job advert and get ready to let it fly. However, before going public, you must first ascertain the platforms that will work for your case. It’s imperative to work with areas accessible to the public, specifically the target niche. Advertisements that haven’t been thoroughly executed end up attracting huge numbers of qualified people. Others never attract anyone. The first step you can take in getting the right people is searching on the internet. At times, you don’t necessarily have to wait for them to find when you can locate them. There are numerous talented people on the internet with sufficient skills for your firm. Once this is over, progress to the next big site, social media. Pages like LinkedIn and Facebook can hugely help by providing a bridge between you and ideal job seekers. You can seek help from job boards and get referrals as well. The last and most important is re-evaluating the current positions. There’s a high chance of getting one or two people fit for the current positions. Through the above approaches, you have an assurance of getting the right candidates.

Select And Interview.

The next step after sourcing is selection. You might have numbers, but all of them might not meet the set qualifications. The only way to establish this is through assessing the CVS. To make the work simple, check their documents and draft a shortlist. You can have a few extra people since some might bail out at this juncture. Formally communicate to them through their email addresses, inviting them for the interview. State the date, time, and location. An interviewing panel should have three relevant people. It will help to get a better insight into the process. Have a questionnaire, and if it goes well, you will have a list of motivating people to fill the vacancies.


The following step is hiring. It is a win-win situation for both parties. The HR will draft contracts comprising of salary, type of employment, post, and job location. Communication is still vital since the new people wil sign the document after reading and understanding all the details.

The last and final part is onboarding. It might seem insignificant, but it determines if the new people will want to keep going or back out. Create time for orientation and introduction to the department heads and other people like the CEO.

Olivier Isaac Safir

As Senior Partner of one of the world’s top Life Sciences headhunting firms, Olivier Isaac SAFIR's Blue Ocean Recruiting specializes in placing top quality executive talent for companies who are searching for C-Suite talent in the Luxury industries.

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Richmond, Understanding Popular Dog Training Methods

The best way to train an aggressive and misbehaved dog is to get a professional trainer. Many pet owners attempt to train their dog themselves in the hopes of saving money. While it’s true that training your dog at home is cost-efficient, there are plenty of downsides to it. If you use inappropriate dog training methods, you can hurt your dog emotionally, mentally, and physically. To make sure your dog is trained using methods that are based on science and research, we highly suggest you consider hiring professional dog training experts. To give you an idea, here are some of the most popular dog training methods experts use.

Alpha Dog Method or Compulsion Training

The Alpha Dog Method was popularized by the famous Cesar Milan. In this training method, the trainer will let the dog know that you are the pack leader. One example is if your dog wants to get out of the house. To get out of the house, your dot has to sit first before you open the door. Another example is if your dog is hungry. If your dog wants to eat it has to sit still and keep calm and wait until you’re done preparing the food.

Positive Reinforcement Training

Perhaps the most popular dog training method is positive reinforcement training. Many famous celebrities vouch for the effectiveness of this training style like Victoria Sitwell of It’s Me Or The Dog and Dawn Sylvia-Stasiewicz who is famed for training Barrack Obama’s dog. The concept behind this method is rewarding your dog for good behavior and withholding rewards for undesirable behavior. Rewards come in various forms like food or playtime.

An example of positive reinforcement training is clicker training. This training uses a “click” sound to reward good behavior. Why is giving rewards an effective strategy? According to Steven R. Lindsay, the author of Applied Dog Behavior and Training, rewards result in the development of active strategies like risk-taking, exploring, and searching. Conversely, punishment will lead to risk avoidance, ritualization, and hesitation. Dogs that are punished also manifest passive behaviors.

Scientific Training

Scientific training is a combination of operant conditioning and classical conditioning. In this form of training, there will be negative punishments as well as positive rewards.

Electronic Training

Electronic training, which is also called shock-collar training is usually used when the dog is far from you and you can’t use a leash. However, studies show that using electronic training can result in stress to your dogs.

Model/ Rival Training

The concept behind this training is that dogs learn when they observe. The trainer will use the owner or another human as a model for doing the desired behavior and once it is done, he or she will be rewarded. The trainer will set the human as the example while the dog observes. However, this method is only effective if the dog is close to the owner or has already developed a strong bond with its master.

Relationship-Based Training

Relationship-based training is a fusion of other dog training methods that depend on the relationship between the owner and the dog. This form of training will need patience from both the owner and the dog. In relationship-based training, the trainer will try to understand and determine why a dog would misbehave. Once the root cause has been identified, efforts will be made to eliminate the root cause so that the dog will be able to behave properly without the need for punishment.


Even though there are various dog training methods available, dog trainers swear by giving rewards. Therefore, if you plan to train your dog at home, we encourage you to give this method a try and see if it works.

Nick White

Nick White is the owner of Off Leash K9 Training. He has over 80 dog training franchise locations throughout the United States. He currently hosts the A&E show, America's Top Dog.

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Dentistry, Dental Hygiene Tips for a More Thorough Clean

Everyone knows Dental Care is paramount in achieving a beautiful and healthy smile. As a child, your parents taught you to care for your teeth and gums and as you got older your dentist is always there to remind you to do the same. How do you clean your teeth? What does dental care involve? Many of you know that brushing is important but are you aware that there is a proper technique for brushing? Do you know how many minutes you need to brush your teeth and how often you should be doing it? Do you know the consequences if you don’t brush your teeth the right way? The reason why people are getting tooth decay, cavities and gum disease is because they were not informed about the proper way to clean their teeth. If you are wondering why your dentist always discover a new cavity every time you go back for a checkup then you need to look closely at your dental hygiene practices.

Keep in mind that being consistent in your dental hygiene practices will not only benefit your appearance but it will also benefit your overall health. The following are doable tips that will give you a bright, brilliant and more importantly, a healthy smile! We’ll set the record straight and show you how to do it.

Brushing Should Be Performed Correctly – when you brush, check your angle. The angle of your toothbrush must be 45-degrees and aimed towards your gumline. The strokes must be short and gentle. Make sure you include the front, rear as well as your teeth’s chewing surface to remove food particles and bacteria. If you miss some areas plaque can build up. Over time, it will destroy your enamel and inflame your gums.

Brush Twice Daily – don’t feel good if you’re only brushing your teeth in the morning. Ideally, you should brush your teeth at least twice a day to remove plaque. The American Dental Association recommends you brush your teeth for two minutes. This time frame is enough to keep your mouth clean.

Your Toothbrush Matters – do you know that the type of toothbrush you choose matters? We’re not talking about the color or the type whether it’s manual or electric – we’re more concerned about the bristles and the size of your toothbrush. The perfect toothbrush should have soft bristles. The head of the toothbrush must also be the right size so that you can maneuver it around your teeth. If your toothbrush is too big it won’t be able to reach some areas of your teeth leaving those parts prone to decay. Again, check the bristles. Bristles that are too hard will erode your enamel and it will irritate and inflame your gums. Make sure your efforts are worth it. Choose the right toothbrush.

You Should Not Skip Flossing – give yourself a pat in the back if you brush your teeth twice daily for 2 minutes using a soft-bristled toothbrush but it doesn’t end there. Another key responsibility to keeping your mouth clean is to floss daily. When you eat, food particles can make their way in between your teeth and sometimes the bristles in your toothbrush can’t remove them. The best way to remove food debris is to floss.

End Your Dental Care With A Mouthwash – complete your oral care routine by swishing mouthwash for fresher breath. We recommend you steer clear from alcohol based mouthwashes as these have the tendency to dry your mouth.


Always remember these dental hygiene practices we’ve discussed here and make sure you apply them in your daily life for a brighter and healthier smile.

Dr. Michaelangelo Aust

Dr. Michaelangelo Aust is the founder of Modern Family Dentists in Kenosha, WI, a full service dental practice offering general, cosmetic, and restorative dentistry.

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Steps of a Real Estate Closing

The home closing process is a complex one, given the significance of the transaction. However, if you know what to expect and plan properly, it can be a seamless and less stressful experience. In this read, we are going to take a look at the steps it takes to close on real estate and to prepare buyer inspections before to get Buy the house.

Opening an Escrow Account

The initial process begins by opening an escrow account, which is held by a third party like your escrow agent or the bank. This party holds on to the money involved with the transaction.

Get a Home Inspection

It’s important to hire a reputable home inspector to do a walkthrough of the house and inspect everything, including pests. Inspections are vital as your mortgage lender may need one in order to process the loan. You don’t want to make a poor purchase decision and inspections ensure that you are buying a house that’s in excellent condition and won’t cause issues in the near future. If any problems are found, they can be handled before the money changes hands.

Complete the Mortgage Application

You’ll also need to go through the mortgage application process, which involves the submission of financial records and other relevant documents. So, ensure you have recent income statements, tax returns, bank statements, etc. The lender will give you a list of required documentation to ensure you are ahead of the game. Also, consider getting pre-approved for a mortgage before you begin your hunt for a house. It helps speed up the final approval and can also give you a lock on the interest rate so that you will not be vulnerable to changes in the market.

The Lender Appraisal

Most lending institutions will ask for an appraisal of the property’s value and you, as the buyer, are expected to pay the appraisal fee. The aim is for the appraiser to value the property for at least as much as the agreed buying price. If the value is low, you may want to renegotiate with the seller as lenders will often only approve the appraised amount.

Get Homeowners and Title Insurance

Look around for homeowners and title or hazard insurance. You will also want to work with the title agent to do a title search so that no other party can intervene and make a claim on the house. It’s also important to ascertain there are no lingering problems.

Closing the Documents

Once the loan is approved, you are finally at the finish line. The title or escrow agent should send a formal notice of the closing date as well as time. This should include a list of things you need to carry to the closing table. You should ideally get a closing disclosure that lists your closing costs, loan obligations and the like. In this stage, it is best to review all this with your lawyer or real estate agent.

An important thing to note is that most escrow companies make an effort to minimize closing costs. However, it’s important to do your due diligence and find one that won’t try and take advantage of your situation and include an array of costs that you don’t know about. Consult your local real estate agent or lawyer and inquire about the costs. Some home sellers may agree to handle the closing costs and this is often done during the contract stage/

Last Walkthrough

Before the closing, take some time and do a final inspection of the new home to ascertain everything is in place and nothing included in the contract has been removed. After all this, the final step is to transfer the money from the escrow account and put towards your down payment.

Nancy Alperin

Nancy Alperin of Maxwell Realty has not only a keen understanding of real estate, but a genuine passion for it. She believes in garnering client respect by listening to their needs and delivering results for them. Her in-depth knowledge of the Philadelphia real estate market plus her ability to broker complicated deals with infinite finesse enable her to navigate the challenging elements of buying, selling or leasing properties while making it all appear seamless. This is also strengthened by her years of owning, buying and selling for her own portfolio. Committed to the health and longevity of her father's company, Nancy has helped Maxwell Realty Company, Inc. achieve its reputation for unparalleled service as well as for being an innovative and rewarding work environment for its associates.

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Is Your Website ADA Compliant?‎

The ADA or Americans with Disabilities Act is without a shadow of a doubt one of the most comprehensive civil rights legislation pieces. Chances are you’re familiar with the physical accommodations commercial spaces make, such as wheelchair ramps and door openers. However, did you know that ADA also applies to the virtual world or ada compliance for website?

Sites are required by the law to be just as accessible as elevators, terminals, ATMs, etc. Your website should not just be accessible to all on a desktop or laptop, but ideally on smartphones and tablets. Having a non-ADA compliant site creates poor experiences for individuals with physical disabilities. In simple terms, ADA compliance assures your site falls within the prescribed accessibility standards.

Keep in mind that not everyone uses browsers like Firefox and Chrome, and many use varying devices to gain access to this information like audio scanners and text readers. Such tools require special instructions to help translate ad convey the information on your pages.

Look for an ADA Agency

Ask web developers about ADA compliance, and you are likely to get a blank stare. So, you’ll want to look for an agency working with the web framework or platform you use and inquire about their development workflow, particularly how they address accessibility. From here, you can embark on vetting agencies for their experience with ADA compliance.

For instance, if you own an eCommerce website, you should look for an agency that specializes in this platform. You should ideally aim for agencies with experience in the best tools for assessing a website’s accessibility.

Audit Your Code

One of the most critical steps in ensuring your site is ADA compliant is running an audit on your code. There are tools that crawl your website and identify all the sections that don’t meet ADA compliance accessibility standards. The results will give you a clear picture of the work needed so that you can weigh the benefits, budget, and plan for the timeframe properly. Who knows, you might even find that your website is already compliant, particularly if it runs on a progressive platform and implemented ideal coding practices during site development.

The cost will certainly depend on the type of platform your site is on, server set up as well as the tools involved. Every website configuration has different ramifications so, keep that in mind.

Make the Site Features Logical

A site that’s ADA compliant needs to be comprehensible to a wide audience. It should run predictably and have helpful labels over media and content blocks. For instance, put a clear ‘X” in the right upper corner of a pop-up window to clearly show users how to close it. Your website should be developed in a manner that avoids user errors.

Make it Keyboard & Pause Friendly

The chief role of the ‘operable’ section of ADA criteria is to make sure your website can be operated with just a keyboard. Not everyone is able to use a mouse or touchscreen. This is a category that ideally covers overall navigation. For example, people should be able to slow down or pause automatic slideshow and scrolling movements. Remove any videos that have a time-limit or autoplay and also ensure that video interactions can be done with the keyboard.

Stay Up to Date on ADA Compliance Changes

ADA needs always change. As new technologies emerge for the disabled, their needs have to be accounted for in your site code. An excellent start is ensuring that the code functions with assistive readers, and the text is easily readable. An indeed ADA compliant site, however, will adopt the best practices as they come to life.

David LoPresti

David LoPresti, co-owner of ADA Compliance Professionals, brings years of architectural design and ADA compliance experience to the table. With a mother who has had a life-long disability, he has seen first-hand the complexity and challenges of making a property ADA compliant. This experience has led to him dedicating his life to improving ADA access for businesses across California so they can be enjoyed by all.

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Installment and Dismantling Of Booths Done By Professionals

Participating in trade shows will have a huge impact on your business. It doesn’t matter whether you’re just starting out or you have been in your industry for years because once you are visible in trade show events you’ll get to market your business to a number of people and that’s an investment that will double and even triple your sales in the months to come. However, being a part of trade shows can be tricky because if you don’t get it right especially when it comes to installation and dismantle of your booth, you may end up spending your money over nothing. Sad to say but that’s a big possibility. When you are going to join an upcoming trade show event make sure you hire professionals to set up your booth. Here’s why:

They Know What They Are Doing

You’re a businessperson you’re not someone who puts up trade show booths so leave that job to the experts. You see, your trade show booth represents your brand. Therefore, you have to consider it as an investment. If you think that you can just rent out a basic booth and design it yourself by adding a few props and some tarpaulin you’re wrong. You cannot outshine your competitors with a basic booth. When you hire professional installers, they will not only set up the structure of your booth but they will also customize it according to your specifications.

More Time Planning Your Marketing

Preparing for a trade show isn’t just about showing up at the event, setting up your booth and sitting there until it’s over. Remember that you will be interacting with potential customers, customers who are going to grow your business. When you leave the booth planning to the experts you will have more time to come up with a plan to make your trade show display a success. Do you know what you are going to do if someone visits your booth? What are you going to say? What are you going to show them? And how will you convince them to sign up or subscribe to your page or your website? You have to plan all these out otherwise these potential customers are going to look at your booth and leave without doing anything.

Peace of Mind and Better Performance

Do you know why peace of mind and rest are important especially if you are going to be interacting with a lot of people? It’s because it will help you perform better. You see, when you are under a lot of stress you get easily irritated, frustrated and disappointed and when you’re not at your best self there’s a huge chance that you’re going to unintentionally shoo people away instead of luring them in whether it’s in the words you use, your facial expression or your body language. When you hire professionals to install your trade show booth you will have peace of mind knowing that it will turn out well. That means you’ll have more time to plan and prepare in advance for the event so that days before the actual show you can rest well.

Safety and Security

A booth, although it may look simple, entails a lot of work. If you hire professionals you can be confident that your booth is safe and secure and that it’s not going to collapse during the event. Professional booth installers will ensure that your display booth is attractive and safe.


There is no denying that trade show events can really take your business to the next level. If you want to grow your business make sure that the booth you set up is installed by trusted professionals for a successful event.

Kore Exhibits

Kore Exhibits & Fabrication specializes in custom portable, modular and custom fabricated trade show displays and exhibits for purchase, lease or rent in Las Vegas and all the other top U.S. trade show venues. This post is sponsored by Kore Exhibits.

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Tips for Paying Back a Personal Installment Loan

Ella Fitzgerald once sang about the fact that into life some rain must fall. Never has truer word been sang. Our lives are filled with wonder and the potential for great happiness – however, there are unforeseen occurrences that can place a strain on us both mentally and financially. In cases such as this many people will have no choice but to turn to providers of unsecured capital. Taking a personal installment loan can be a decision that has long term consequences – that is why companies such as Payday Rocks are indispensable are sources of funding for those in urgent need of finance.

However, no matter how reputable the company that provides that assistance there are some things that each and every individual needs to know about how to manage the repayment of that loan. It is essential to firstly be aware that unsecured loans come with some strings attached. the interest on such loans can place an individual under severe financial stress. It is important to do your homework prior to taking such loans – and understand the repayment schedule that you will have to adhere to. Even though the need might be urgent the long-term repercussions can be severe. Always focus on the fact that each month you will have to pay a portion of that loan back – missing a payment can affect your credit rating – and lead to legal proceedings.

So, what are the strategies that will allow you to pay back that loan as speedily as possible? Here are some ideas.

Firstly, make sure that your monthly income will be sufficient to cover the repayments over the period that is agreed between yourself and your loan provider. They will ask you for proof of income. Ensure that your loan will not put you in a position where you will have to cut back on absolute essentials. Make sure that you can meet your monthly obligations as far as rent, food, and other sundries are concerned. If you are unsure of this draw up an income and expenditure statement for yourself. It is far preferable to request an extended period for the repayment than to put yourself in an option where you are unsure of your ability to meet your monthly obligations.

However, that said there are some very good reasons to take out a loan of this type – and those reasons may have very little to do with emergencies. One of the best reasons to take out a loan of this type is debt consolidation. If you have personal debt that includes (for instance) credit card debt taking a personal loan to consolidate that debt into a single repayment makes an enormous amount of sense. These loans can offer you significant savings when it comes to the interest that you will be paying to financial institutions.

Given that you have decided to take out an unsecured loan there are ways to ensure that you meet your debt obligations. The first of these is to set up an automatic alert when your balance reaches a certain limit. This will allow you to monitor your financial status – and ensure that you have enough in your account to service that debt.

A personal loan can be a smart move – if you have obligations to several lenders – or debt spread across various accounts. It allows you the freedom to settle those debts by making a single payment rather than having to pay for bank charges to service several loan amounts. Credit card debt is only one example of how we can rapidly dig ourselves into a financial hole. Be smart and consolidate today.

Payday Rocks

Payday Rocks is one of the fastest growing payday loan services in the US. If you have bad credit that isn't a problem. Payday Rocks checks through many lenders to find the best loan to fit your needs. Over 90% of applications are successful.

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Benefits of Having a Security Guard at a Business

Try to walk around downtown and observe your surroundings. Most if not all business establishments employ security guards and that’s because security guards keep the peace. They are trained and skilled to combat violence and any form of criminal activity. As a business owner, you should place safety and security at the top of your priority list.Let’s find out why your business can benefit from professional security guard services.

Do you need a security guard for your business?

All business owners desire to grow their business. If your business is growing you need to ramp up your security because as your business grows, your risk for theft grows as well. However, it is important to mention that your risk relies on several factors it could be your location, your industry, the type of products you offer, the amount of foot traffic you get etc. Based on these factors, you can already tell if you are vulnerable to criminal activity and if you are, you sure can benefit from hiring a professional security guard to maintain the safety of your business.

The following are some of the signs that you are in dire need of a security guard:

The Incidence of Crime Is High in Your Area

Where is your business establishment located? Does it belong in a neighborhood where crime rates are high? If yes then it is imperative that you hire a security guard. You see, if your location is prone to criminal activity this alone will discourage customers from going to your establishment and as a consequence, it will negatively impact your potential sales and revenue. If crime is common in your location or if your area has a bad rep for criminal activity then you need a security guard not just for the protection of your business but also for the protection of your staff and your customers.

Your Company Is Losing Money Due to Shrinkage or Theft

Shrinkage is defined as the loss of stock as a result of employee theft, vendor fraud, administrative error, cashier errors and shoplifting. If your business is suffering from shrinkage and theft then it is downright irresponsible not to hire a security guard. When a security guard is manning the area, theft and shrinkage will be greatly minimized. The visibility of security guards will discourage criminals from conducting their devious plans. In most cases, when a business puts security guards in their post’s criminals will leave that business alone and look for another establishment with less security. Security guards know how to handle theft because it’s part of their training. They know how to catch someone who is stealing your product and they know how to secure them until police officers arrive. Although you’re spending money paying for security guards, if you think about it, spending for security guards is a wise investment. Think of all the money you’ll save from losses and shrinkage. Aside from security your business, you are also security the safety of everyone working for you including your customers.

Increasing Foot Traffic in Your Property

As mentioned earlier, the more your business grows the more security you need. One good example of that is increasing foot traffic. If your establishment is attracting a lot of customers on a daily basis it can be hard to keep track of everyone that goes in and comes out of your property. The chaotic atmosphere is actually the favorite of thieves because they can steal and go unnoticed. When you have security, guards stationed and who are always on the lookout for thieves, losses will be minimized. Security guards can also check for suspicious individuals when they enter the premises and keep an eye on them.

Customers Don’t Feel Safe

Whether it’s obvious on their faces or they tell you straight out, when customers don’t feel safe or when they feel uneasy shopping in your establishment that is enough reason to hire security guards. Aside from providing excellent products and services to your customers you must also offer comfort and safety. You see, there are certain businesses that are more vulnerable to crime like malls and bars. If customers don’t feel safe, they will not stress themselves out and continue doing business with you. Adding security guards will help ease their distress and they will feel safe and protected. When they are happy shopping with you, they will likely come back and convert into regular customers.

You Are Worried About Your Liability Insurance

There are companies that are obliged to pay costly liability insurance premiums every month because of several factors including how much cash on hand you have, whether or not your establishment serves alcoholic beverages, the kind of products you sell, the geographical location of your business, etc. All these factors will impact how much money you’re spending on premiums. However, if you add a security guard in your establishment you can significantly lessen your insurance premiums and this will save you a lot of money in the long run. When you have a security, guard stationed in your property it will lessen violence, fire, and theft and it will help you save money on insurance bills.

You Need Help in Monitoring Building Activity

Business owners are busy people and they don’t have the luxury of time to check the condition of the building on a daily basis. However, if you have security guards in place, they’ll be the first to notice if your building has problems whether it’s a faulty lock or a defective cooling system. Having security guards to visually inspect your property regularly will help address problems before they get worse.

When You Serve Alcoholic Beverages

This is a no-brainer. If your establishment serves alcoholic beverages there is always that risk of wild and disruptive behavior from inebriated customers. Drinking too much alcohol can cause customers to become aggressive and violent so if you don’t have security guards around, who will control them? There is also that possibility that these intoxicated customers will pick fights whether it’s against their fellow customers or any one of your staff. If members of your staff are not trained to do self-defense they could get hurt. Violence can be difficult to control if you are not trained. With security guards around, these people will have second thoughts about starting a brawl and if alcohol does get the best of them, you can be confident that your security guards know how to handle these people and you know that the safety of everyone is their priority including the intoxicated person.

Other benefits of hiring security guards are the following:

Enhanced Customer Service

Besides protecting your property by checking who goes in and monitoring stock inventory, having security guards will also improve your customer service. Customers will feel extra special when security guards escort them to their car in the parking lot at night. Sometimes, when customers have questions and needs and the staff is busy, a security guard can help them like lead them to the direction of a certain department. Come to think of it, you can actually minimize your staff members by having a security guard in your establishment.

Security Issues Are Handled Efficiently

Another great thing about having security guards is that they follow protocol. Whenever they are faced with a crisis, they know exactly what to do and they perform it in an orderly fashion, effectively and efficiently.

Security guards underwent rigorous training and they are equipped with the skills and knowledge to handle all kinds of security issues. They know how to deal with problems better than anyone else in your staff. Unlike your staff where you need to guide and assist them, your security guards are there fully trained and fully ready for their responsibilities and tasks. You don’t have to tell them what to do next or where to go because they already know it.

Whether it’s forced invasion, theft, violence, you will have peace of mind knowing that they are in control of the situation. So, you can go back to growing your business and building your empire without worrying about the state and condition of your property because security guards have that covered.

They Respond to Crisis Fast

Think about it, if you don’t have a security guard in your property and all of a sudden, a customer goes violent and starts throwing tantrums, what do you do? Do you think one of your staff is brave enough to control that customer? Are all your staff members trained to do self-defense? We highly doubt that. When you have a security guard in place either the problem will be solved right then and there or they can securely hold criminals while they wait for the police. If you don’t have security guards, angry and violent customers could have done serious damage not just in your property but also to other customers and members of your staff and this can greatly affect the reputation of your business.

If you care about your business and if you care about the safety and security of your staff and your customers then you need to invest in professional security services.

Tim Wilson

Tim Wilson is a former law enforcement officer and is the owner of International Guard Services in Houston, TX. He has years of experience in security and investigations. International Guard Services 5201 Mitchelldale St #B4 Houston, TX 77092 (281) 822-6700

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Divorce Mediation: What Is It and How Does It Work?

Divorce is never a pretty term, no matter how it is used. And for the most part, the process itself can be very emotional and challenging. As one of the divorce mediators in Las Vegas, I know. Even with divorce stats being as high as they are, it doesn’t make it any easier. But not all divorces are the same. Some are more reasonable than others, in a manner of speaking, and in these situations, mediation is usually the best way to approach it. But what is divorce mediation and how does it work?

Understanding Divorce Mediation

When you hear somebody is getting divorced, you automatically expect them to sit at the opposite ends of the table and fight for what they believe rightfully belongs to them. And yes, in many cases this is exactly what happens. But not all couples who separate are merely focused on getting the most out of what is left. Not all couples become self-absorbed and use the divorce as a weapon. And for couples who can still be in a room without fighting, mediation should definitely be the first option.

When couples mediate, they agree to sit down and discuss things on a civil basis. They prefer to avoid unnecessary confrontation between the lawyers, and they prefer not to involve a court setting.

Essentially, the people getting divorced can mutually agree on what should happen and who gets what, without turning it into a complicated matter. But it’s not just the people getting divorced in the room. They can insist on having their lawyer present, and they can look to a judge to appoint an objective third party, who can sit down with the couple and make sure everything happens smoothly.

Alternatively, the couple can leave the lawyers out of it altogether and they can decide who should be the mediator (if they can come to an agreement). However, if you are the one getting a divorce, and your partner already has a lawyer, it’s recommended to do the same. Even if you are going to mediation, you want to be prepared.

Why Is Mediation Better?

Mediation is better than a full-on divorce case where the lawyers hack it out against each other. Everyone can agree that this has never been a very effective way of handling a divorce, which is why mediation should be considered first.

But it’s not just about avoiding a fight that won’t really solve anything. If there are children involved, mediation has to be on the table. Because the children who have to sit through a divorce where their parents are simply out to get revenge are typically used as “weapons” as well.

With mediation, this is not going to be the case. For starters, you are taking the healthy step and you realize that a calm discussion with a fair mediator can make it easier on the kids. But remember, there has to be a give-and-take attitude from both parties. If you both agreed to mediation, it shows you are in a place to talk things out and the separation process won’t be nearly as ugly. In fact, a tough divorce case where nobody agrees to anything only makes things worse. Additionally, you’ll be saving a lot of money.

A Final Thought

For people who have tried everything to make the marriage work but only find divorce to be the solution, you owe it to yourself to discuss mediation as supposed to putting on your boxing gloves and getting ready for a fight.

If there’s a calm and better way to go your separate ways, doesn’t it make more sense to use it?

Jay Young

Jay Young is a Las Vegas, Nevada attorney. His practice focuses on business law, business litigation, and acting as an Arbitrator and Mediator.

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How to Plan a Route for Your Lawn Service Company

When someone decides to build a lawn service company, they will usually start out accepting any customer that is remotely within their area. This can often mean that they have one job that’s in one location and then they end up going a considerable distance to the next customer and then doing the same again. Having one customer that is across one end of the area to another is sometimes a necessary fact when first starting. But as you begin to establish yourself you will need to plan and develop your route so that you can grow your lawn service company.

Begin by Determining the Shortest Distance Between Customers

Depending on how long you’ve been in business and how large you are, you may or may not have several crews working. If it’s a single crew and you have a certain number of customers and they are already scheduled, then it might not be possible to change that and so it will be necessary to make sure that you better develop your routing so that you are always traveling the fastest and shortest distance between those customers. This means you will have to take the time to plan those routes strategically so that you and your crew are spending the majority of your time doing the work and as little time as possible traveling between customers.

Turn Route Planning into A Science

When you begin having to travel all around the area every day, you quickly learn that it’s one of the least productive and most time-consuming parts of this kind of business. If you don’t have your route planned out, then you and your crew can take a lot of time out of your day looking for directions and planning it along the way. Fortunately, there is now a lot of technology that can be used to help with this.

The use of GPS along with alerts about weather and traffic accidents can help tremendously in avoiding delays. This is paramount when it comes to a lawn care service because the cost of traveling from one customer to the next can be minimized. When and where possible you will want to create a seamless route that takes you naturally from one to the next but when this is not possible then you will need to do the next best thing which is to at least minimize the distance and time to the extent that’s possible.

Making Use of Route Planning Software

Even if you are very familiar with the surrounding area and know every back road and alternate route this won’t always be true for some of your crew leaders that will be responsible for driving to the different customers. This means that as you grow, you need to have effective ways of helping the drivers take the best routes. Learning to incorporate some of the new technology that is available can help significantly.

Lawn service route management software can help your company to map out the best way to go from one customer to the next before you need to do so. This saves time and reduces mistakes that might otherwise be made by less knowledgeable staff. Using this type of technology will significantly improve the use of employees’ time by making sure that they are going the most direct route and are able to focus mostly on doing the lawn care business rather than driving.

Another way in which this technology will help is when service needs change. Sometimes customers have different needs, and this may mean suddenly changing when you’re going to do a particular customer. For many companies who don’t use routing technology, they will then have to just simply either take time out to route plan or wing it which could reduce productivity. But when a company uses technology this can all be taken care of in seconds.

Lawn care service is a competitive business. In order to grow and thrive it is necessary to maximize productivity. One of the ways to do that is through route planning. When crews are driving longer then they are putting more wear and tear on the vehicle, they are using more fuel for the vehicle, and they are not servicing the customer which is how the company earns a profit. This means that the more effective you can plan out your routes to maximize efficiency, you cut cost and improve profits.

Bill Westrom

Bill Westrom is the founder and CEO of Westrom Software, a privately owned software development company with more than 15 years of successful business application development experience. He employs a wide range of IT professionals, flexible policies, and efficiently managed work practices that distinguish the company from firms offering similar services. The Service Program was developed by Westrom software.

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Why You Need A Probate Attorney

Probate is defined as the process in which a deceased person’s property and final wishes are dealt with by an assigned executor as per the directions of the will, or through any other legal means.

As an executor, it might be quite challenging for you to deal with the grief of losing a loved one while also having to handle probate duties. Having a qualified and experienced head, in the form of a probate attorney, to guide you through the process would be much appreciated during this trying time.

Read on to learn the main reasons why you need a probate attorney to help you through the probate process.

Answer Any Legal Questions

The first and most important reason for you to hire a probate attorney is to have everyone’s legal questions answered by a knowledgeable professional.

The probate process involves a variety of participants who may each have their own understanding of how the process should be handled. An attorney can help bring everyone on the same page by making clarifications where necessary; saving everyone from unnecessary bickering in the process.

Protect the Will Against Legal Suits

Although most wills are executed without any disputes, it’s important to note that there is always a chance that a legal suit against the will, and its directions, may be contested in a court of law by surviving relatives and/or creditors.

As the executor, it is upon you to ensure that the will is executed to the letter; you can use the services of a probate attorney to defend the will against any, and all, legal claims against it in a court of law.

Technical Processes

Depending on the specifics of the will and the state you live in, the probate process might call for a variety of complicated legal processes. A qualified and experienced probate attorney will have in depth knowledge of such processes; and how to go about them to ensure the swift settlement of the same, owning to their familiarity of the same.

With an attorney on your side, you can forget about having to deal with the technical legal stuff required throughout the probate process.

Tax Advice

Estates that are subject to federal or state estate taxes require a lot of specialized technical and legal input with regard to how the taxes are to be dealt with. The value of the estate will decide whether it is subject to any of these taxes. A probate attorney can advise you on the existing guidelines as far as federal and state estate taxes go.

This will help you settle tax matters with the Internal Revenue Service, IRS, and state taxes authorities as required by law.

Protect Yourself

Las but not least, as an executor you may be sued by aggrieved beneficiaries or any other parties who stand to gain or lose substantial sums depending on the outcome of the probate process. This is especially common in processes where the estate value is not enough to cover all existing debts or satisfy all vested interests.

Hiring a probate attorney who advises you on the best way to implement the directions of the will without exposing yourself to unnecessary legal liability will definitely help you avoid such situations. Their input will also help you focus on completing the work at hand, without fear or favor.

It is true that you can handle your probate duties on your own without the help of a probate attorney; but as you can see from the above, having one in your corner will definitely make the process run much smoother. Most importantly, you can ensure that the will of the deceased is implemented to the letter; and with it, rest knowing that you were able to implement the deceased person’s wishes to the best of your ability.

The Advantages Of Fabric Clear Span Tents Over Metal Structures

Are you trying to decide between a fabric Clear Span tent and some sort of metal structure? If you’re trying to decide which structure to go with, you should look at the numerous advantages that a Clear Span tent offers. Read on to learn more about these impressive benefits.

They’re Environmentally Friendly

If you’re trying to reduce your carbon footprint, you’ll be pleased with the benefits that Clear Span tents can provide. Because these tents are so well-insulated, you won’t have to expend a lot of power keeping your structure warm or cool. You’ll be able to lower your energy usage and your utility bills.

In contrast, the utility bills for metal structures can be quite high. It usually takes quite a bit of cost to heat and cool structures like this. If you’re looking for a greener option, you need to look at Clear Span.

They Don’t Take Long To Set Up

If you want to use your structure right away, you won’t want to have to deal with a long set up process. In most cases, a fabric Clear Span tent can be set up in less than five days. In many cases, your structure can be completely assembled in a mere three days!

You won’t have to wait long for your structure to be produced. It only takes about three weeks to manufacture a new tent. You’ll be able to get everything taken care of in record time. You won’t have to deal with the long waits associated with metal structures. You’ll be able to skip the line and start using your structure.

They’re Extremely Economical

If you’re working with a limited budget, you may be put off by the high prices associated with metal structures. If you’re in the throes of sticker shock, you can take a deep breath and relax. There are much cheaper options available to you. For example, Clear Span tents are very reasonably priced.

A lot of people are shocked when they see just how affordable Clear Span tents can be. If you are trying to use your money wisely, you should compare the cost of a Clear Span structure to the costs of a different kind of structure. You’ll quickly see that these tents are a wonderful way to save.

Your Tent Will Remain Pest-Free

Rodents tend to love metal structures. These structures are usually easy for them to enter, and there are plenty of crevices that they can hide in. If you do choose a metal structure, you may have to deal with pests before long.

If you want to keep your structure free of pests, Clear Span will be able to you achieve that goal. These tents are wide and open, which means that pests have nowhere to hide. Pests won’t want to enter your tent. Instead, they’ll find a different place to call home.

Your Structure Can Easily Be Moved Or Disassembled

Once you’re done with your Clear Span structure, you won’t have to leave it in place. It’s very easy to disassemble a structure like this. It’s also fairly easy to move your tent from one location to another.

If you’re looking into non-permanent structures, it’s clear that these tents are a much better option than metal structures. You don’t have to keep your Clear Span tent around forever. You’ll have plenty of other options available to you.

The advantages that a fabric Clear Span tent has over a metal structure are incredible. If you’re looking for the best structure available to you, you need to be looking at Clear Span. Get in touch with someone from Clear Span today. They’ll create the perfect structure for you.

Carol Fontius

Carol began by selling engineered tents to the resort and US military markets and then expanded to manufacturing in 2004 by starting Creative Tent International Inc. with Designs by Robert Stafford.

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Taxi-Wrap Advertising Gets Brand Attention

Taxi wraps are reclaiming their spot in on-the-go advertising. Essentially a taxi wrap is a mobile billboard that creates eye-catching advertisements that can reach thousands of potential clients. Due to their shape, taxis make the perfect canvas for this highly effective form of mobile advertising.

Brief History

Back in 1991, a UK based company covered almost every inch of a taxi’s paint with wrap vinyl. This was in response to German law requiring all taxis there to be a particular shade of beige. The problem with the beige color is that it was ugly and no one wanted to buy an ugly car and the cost of repainting was too high. The used car dealers could not sell off ugly used cars at good prices. Wrapping a beautiful car in beige was much easier and cost effective.

Black cab taxi with advertising wrapToday, car wraps along with other vinyl vehicle wraps are taking the advertising world by storm. This brilliant form of advertising is converting regular taxis into mobile billboards able to reach hundreds if not thousands of potential clients in a single mile.

The Numbers Have Spoken, Taxi Wraps Get You Noticed

According to the Department of Transportation, an average driver drives 13,476 miles every year. For a taxi driver, this figure is notably much higher. Another Arbitron Nation In-car study revealed that people travel in a taxi at least once a month and that they do notice billboard advertising during their travels.

Researchers have also found out that an American spends on average at least 20 hours in a taxi every month covering an average of 200 miles during this period. Interestingly, the number of hours traveled seems to increase with income whereby the wealthy travel more miles than those with less money.

The research studies also revealed that 59 percent of travelers notice advertising on a taxi. Imagine getting over 50 percent of all the taxis in your area to notice your brand by simply using taxi wraps. Taxi wraps will reward your marketing efforts with thousands of impressions from prospective clients in and out of your immediate area.

Taxi wraps make an instant impression on your potential clients. According to the findings of the Arbitron survey, almost 25 percent of the respondents stated that an outdoor ad motivated them to visit the store on the very same day, while a further 33 percent stated that an outdoor ad prompted them to visit the advertiser’s location within a week. Outdoor ads like taxi wraps, helps to stimulate visits to your store.

How Are These Taxi Wraps Staging A Revolution?

Simple: Today’s wraps are not the traditional wraps that you know of. The biggest change is perhaps the design of the wrap, which has started to embrace the medium as opposed to dealing with it.

There are two ways to design a taxi wrap:

1. You can attempt to stare at the taxi and haphazardly determine the best placement of your slogan, company name, phone number, and log.

2. You can create eye-catching design that will make the taxi stand out and really highlight your brand.

Obviously, you would go for the second option since it is the one to offer better returns on investment than other types of advertising.

In conclusion, taxi wraps are an effective yet inexpensive way of making tens of thousands of impressions on qualified customers. Are you willing to waste your precious advertising dollars on less than stellar advertising methods? Obviously not. However, just as with all kinds of advertising, to make the most out of taxi wraps, you must get a design that will wow potential clients and that will get your brand message across in the most effective way.

Criminal Background Checks are a Wise Investment for Your Business

In today’s world nothing should be taken for granted or at face value. With so many business and social associations made via the Internet, one never really knows who they are talking with. Employees are no longer the young person from down the street; employees today come from all over the world. No one and no business should take any past history for granted – security should be a main concern.

Background check report with a magnifying glassIt is now possible to have a criminal background check done on just about anyone or any business. Background checks come in many varieties including pre-employment, business dealings, social engagements, in-home care, and more. It is not that you are looking for problems, just that you want to know who you are associating with and what is their background. Some background checks are completed to prove identity of a person or business. This is not snooping, it can be viewed as a form of protection. Everyone wants to feel safe in their home, workplace, and relationships.

There is really no exact time frame recommended to be checked. This generally depends on the reason for the check. Someone going to work for the FBI would have an extensive background check done while the person at a fast food establishment would be less extensive. Typically for a general background check, the past ten years would be examined. This would include both credit and criminal history. Just remember, most juvenile records are sealed so you will only be able to go back to someone’s 18th birthday.

Before doing a background check, most states require the subject to give permission for the check. Even with this permission, there could be limitations. Check the state laws and regulations regarding background checks before any information is obtained. If not, you may not be able to use the information discovered.

There are also regulations regarding how the ascertained information can be used. In other words, are you checking credit, financial, or criminal information? Some information can only be used for very specific purposes.

Fields Which Frequently Require a Background Check

Many corporations do pre-employment background checks. It is important to know who is being hired, not only to managers but also to shareholders. Almost more important, co-workers want to know they will be as safe as possible in the work place. Background checks give human resources some assurance and confidence that they are hiring who they think they are hiring.

If someone is purchasing a business or a large majority in a business, a background check should be completed. The history of the business should be investigated and also the persons selling the business. You want to make sure you are purchasing what you think you are buying. If you are buying a share of the business, you want to know exactly who will be your partners.

Attorneys have used background checks to bolster their defenses. These checks could prove or disprove various testimony. It could be used for everything from divorce to criminal acts.

A popular and growing use of background checks is in social situations. Before hiring someone for child care, parents often will contact a firm or private detective that offers background investigation services. This would also go for any type of in-home care. You want to make sure the person coming into your home to care for a minor, elderly, or sick person is competent to do the work. Past criminal record is especially important here since the person will be in your home and essentially alone.

Many people are using background checks to look into the past of their partner. This is especially true before marriage. Today so many relationships begin via the Internet, you must be sure you know who the person is. There are so many stories about Internet relationships affecting financial situations as well as being abusive. What looks great and unbelievable on a screen, may just be so. Don’t be sucked in by the glitz and promises, make sure it is real.

Unfortunately background checks may not give you all the information you desire. But generally, you will get enough information to make an educated decision about a relationship, a business, or a caregiver.

How to Interview a JavaScript Programmer

In the global marketplace for digital products, a wide means of creating those products has emerged as a new factor in the software industry. Where once programs ran on a few standardized coding methods intended for massive computers with no real connectivity, now there are a wide array of programming languages intended to create everything from triple-A video game releases to smart phone applications, as well as other more specialized programs such as for x-ray machines or oil field monitoring programs.

Java Coder Jobs in NewspaperWhether your business depends on creating programs as a primary product, or for use in a product you produce, you will depend on programmers to do the coding. And if you are not a programmer, hiring the best qualified candidate can be a difficult task. However, there are two things that can make this job easier for you.

The first thing that you will want to do when looking for a JavaScript programmer is test the programming skills of your interviewees. Hiring by resume is an option, but in the end, you’ll want to know if they can really code and to do that, you can simply have them take a JavaScript test online.

The second thing that will help you make the best hiring decision is to know at least a little bit about the world of coding, so you are conversant enough to interview your applicants. And so, to that end, we have dedicated the rest of this post.

Coding Languages

Three languages, in particular, have come to dominate the World Wide Web’s technologies that allow for the production of the content that modern society has come to rely on for news, research, shopping and money transfers. These three languages are Hyper Text Markup Language (HTML), Cascading Style Sheets (CSS) and Javascript. The vast majority of content on the internet is produced with these languages in mind to the point where all the major web browsers, such as Firefox and Chrome, incorporate their use into their base code rather than being simple plugins. But what is Javascript and how is it different from other coding?

Javascript is a high level programming language, meaning it has strong abstraction from the mechanical details of the hardware it is commanding, using natural language rather than digital language and tends towards automation. It is a dynamic programming language, a type of high level programming language which performs a wide variety of programming behaviors at runtime, rather than when it is in the process of compilation. Indeed, Javascript tries to liberate itself from compiling itself as much as possible, as it is an interpreted language that follows the programmed instructions directly, without compiling the program into machine language. Finally, Javascript is an untyped programming language, meaning that any operation can be performed on any piece of data.

One thing that makes Javascript stand out from other programming languages is that it is based in prototypes, a type of programming called object oriented programming, where in repeating functions, variables or data structures are copied to serve as prototypes before being copied as far as the programmer will allow it to be copied. Javascript also uses first class functions, allowing the programmer to prioritize the order in which the programming carries out functions. This makes it classified as a multi-paradigm language, which supports functional programming styles and object oriented imperative styles of coding.

The programming language also includes application programming interface (API) that allows Javascript to be used by programmers. The API function is where the magic happens, and the coders write the code that makes the application work the way it does. Javascript’s API has functions for manipulating regular expressions (a sequence of characters intended to define search patterns that allow the program to find its own instructions), controlling text, programming in dates and working with arrays, which collect data input into the program, ranging from search terms to passwords.

However, Javascript does not include any input/output (I/O) functions, which allow for storing data, implanting graphics facilities or networking between different devices. Instead, these functions are handled by the environment in which the program is placed, known as the host environment. While this can be a limitation, this specialization does have certain benefits. Javascript has been standardized over the past twenty years by Ecma International, meaning that it is now an industry standard and a benchmark by which new programs are created and tested, as well as being one of the most important technologies in online communications.