lakecountrybeer.com

The world in the COVID-19 era has taught us to be self-dependent. The ownership of a car in 2021 means safety, convenience, and independence. Car buying is one of the biggest steps while re-entering into the world post Novel Coronavirus. And, buying a car for the first time may seem exciting and overwhelming at the same time. You need to choose the make and model and deal with auto financing as well. However, with the right buying guide, finding the right first car becomes fun and easy.

Do not worry about buying an automobile on your own. The following points will help you make wise decisions. Keep them in mind when you decide to buy your first car.

1. Establish the Budget

Understand your financial situation before researching a car. Ask yourself questions such as: Do you have enough income to make regular payments? Can you pay an upfront amount as a down payment? What is the amount of auto loan that you need? Factor in your income, expenses, and savings. And, understand if you can use the remainder towards payments. You can take the help of online auto loan calculators that will help you to establish your budget. Therefore, make a wise decision and do not overspend on a car.

2. Work on Your Credit Score

The credit score is the primary factor that decides the type of auto loan that you receive. Start by obtaining your credit report and make sure it is accurate. Many first-time car buyers may be new to the world of credit and may not have received a chance to establish their credit score. For first-time car buyers with zero credit history or no credit score, make sure to get a co-signer. A co-signer with a stellar credit score improves your chances of qualifying for the auto loan.

3. Opt for A Used Car

A new car is usually more expensive and attracts a high-interest rate as compared to a used car. If you are a student wishing to commute to your college, you can opt for a used car. Automobiles that are less than five years old have similar features as new cars but are available at a lower cost than new cars. Opt for certified pre-owned cars. You may even get a pre-approved auto loan when you consider purchasing a used car. Choose vehicles that contain warranties and stay away from lemons.

A first car is the most memorable purchase for any individual. Make sure you choose the right vehicle because it will be with you for a long time. You will experience several new things together including road trips and commuting to your first job. So, do not forget to negotiate your way into obtaining the right deal when you purchase your car for the first time.

By Jeff Lorenz

Summer camps for kids can squash a family’s shoestring budget. A full session for a private overnight camp can cost over $10,000 and nonprofit camps can eat about $500 out of your piggy bank for one week.

Make Summer Camps for Kids Fit Into Your Family’s Budget

With a little legwork and preparation, you can make your child a happy camper without depressing your bank account.

Day Camp Vs. Overnight Camp

Although there are many benefits to overnight camp, day camps are typically less expensive. They can run the same length of days as an overnight camp. You just drop your kids off in the morning and pick them up in the afternoon instead.

Day camp can be a perfect option for children who haven’t spent much time away from home. Moms and dads who’ve forked over hundreds of dollars or more for an overnight camp can be shocked when their camper who couldn’t wait to go away for two weeks is homesick the first night out of the house.

Summer Camp Scholarships

Many summer camps for kids offer scholarships to cover some or all of the camper’s costs. How to qualify depends on the type of camp your child wants to attend.

A traditional summer camp with crafts, swimming and nights around the campfire may or may not ask to see a parent’s tax return with the scholarship application. A music camp might want a recording of your child playing an instrument. A sports camp could require membership in that sport’s official organization. Each scholarship’s rules vary with some more relaxed than others.

Payment Plans

More summer camps are allowing parents to make several payments rather than one lump sum to reserve your child’s space. Many give you the option of starting payment plans months before summer camp begins so your bank account doesn’t take a massive hit right as you pack your child’s bags for camp.

Bargaining

Old-fashioned haggling is a tactic more summer camps are opening up to as families tighten their spending. You’ll never know if you can knock the price down if you don’t ask.

Prioritize your list of potential summer camps before you try to negotiate a lower rate. Call your number one choice. You have a better chance of bargaining with a real person on the other end of the line instead of through an email.

Early Bird Rates

Early bird rates are a wild card when it comes to the amount of money you can save. You’ll find early bird discounts as low as $5 at one summer camp or over $100 at another camp running the same amount of days.

“Early bird” can also mean a summer camp registration deadline as soon as December for the next year’s summer camp. It might be as late as the end of April.

Sibling Discount

The more the merrier for summer camps. That’s why they usually offer a sibling discount if you enroll two or more children at the same time.

Another strategy is to ask if the camp will allow a sibling discount if you send your child and a cousin or friend in the same age range. There are summer camps that would rather have the two kids on a sibling discount than lose both campers.

Online Registration

You won’t usually save a significant amount of money filling out your child’s summer camp registration online but every little bit helps. Look for summer camps that offer online registration discounts. Your typical savings will be $10 to $20.

Barter

Bartering can save you lots of money at summer camps for kids. There are several ways you can try to barter to get the camp costs down.

Summer camps need adult hands to help. Barter by volunteering your time to pitch in on certain days. Teach a craft. Cook food. Clean up.

Get creative when bartering. Your summer camp may need a brochure. Can you write it? Design it?

Do you know how to build a website? Would you volunteer to update the camp’s blog? Post pictures online?

Approach the camp as you would a business. Make a proposition to see if there’s a way you could get involved to help the summer camp and reduce the cost of sending your kids there.

Prorated Time

Love the camp but not the price? Ask if you can send your child to camp for a portion of the session.

To get a general idea of how much you could save, calculate the amount you would spend for a full week or two at summer camp. Start deducting that amount off the camp’s full session time to see how much your prorated fee would cost your family and how many days your child would actually get to attend.

Honor System

A newer option summer camps are presenting to parents is an honor system. For the same summer camp session, parents are given a range of fees. You choose your price based on how much you can comfortably afford.

All children get the same camp experience for the same amount of time. No one knows how much anyone else paid.

Look for Competition

Research the summer camps in your region. In cities where there are multiple summer camps, they’re fighting to get your child to enroll in their program. This can work to your advantage with more discounts and bargaining opportunities.

Dependent Care Flexible Spending Account

If your or your spouse’s employer offers daycare expenses, check to see if a dependent care flexible spending account may help your family pay for summer camp. There are many IRS rules associated with a dependent care flexible spending account so be sure to talk with your accountant before making a decision.

About the Author: Swift Nature Camp is a

Overnight Summer Camp

for boys and girls ages 6-15. Our focus is to blend traditional

Kids Summer Camp

activities while increasing a child’s appreciation for nature, science and the environment.

Science Summer Camps

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Get Ready for Google Plus Business Pages

by

dawntrenee

Ever since Google launched its much-anticipated social media network, Google+, business owners have been patiently twiddling their thumbs, waiting for the chance to make a profile for their company. While official brand pages are still not up for offer on Google+, business owners can still prepare themselves for them by creating a personal account.

Google+ is currently the fastest-growing social media site with more than 20 million users. By getting on board in the beginning, you will be able to test drive the site and familiarize yourself with all of the features that Google+ has to offer its users. You ll get a better understanding of how the site can be integrated into your business s marketing plan.

Sign Yourself Up Now, Your Business Later

Just because Google+ has put a hold on business pages, that doesn t mean you can t sign up for an account as yourself. You are, after all, a representative of your company so there s no harm in telling other users who you are and what you do. Be aware: if you try to use your personal profile as a way to promote your brand only, Google can take down that page. So be an active user of the network, start conversations with others, build relationships. You ll be able to see what content draws more attention. Fellow users who connect with you on Google+ will want to connect with you on other social networks as well.

Your Circles, Your Audience

In the Find People box, enter keywords and phrases related to your niche and you will be shown a wide variety of people who you can add to your circles. You can also find people based on their geographic locations. You can reach out to people you don t know and make a connection. You can add industry leaders to your circles as well to help stay up-to-date on what s being discussed and what trends are on the rise.

Show Off Your Sparkling Self

There s more to you than the business, so tell people about it! Give people a glimpse into the personality behind the brand. Sharing details about the real you will show people a way to connect with you on a different level. This is a surprisingly powerful marketing tool. People are more comfortable with a business when they can put a face to the name. And knowing that you enjoy some of the same things that they do will help create a bond between you and others in your circles.

Get Ready for Virtual Mingling

On Google+, whenever you see that there s a hangout session or conversation going on with people in your circles, you can join right in. When someone in your circle posts an update, they will choose who can take part. So, if you see that some users are video chatting or a question has been posted for answering, go for it! This is a great way to build relationships and solidify networking connections.

Users are also more apt to +1 on your profile when you ask questions, post comments, open a dialogue and add photos. Linking to your blog post or other articles will bring some traffic but this network is more about conversation and connection.

Review the Incoming Feed

This part of the News Stream on Google+ shows updates from people who have circled you but are not in any of your circles. You may not want to circle every person that circles you, but you can read these posts to learn more about people who show an interest in you. You can find out in what areas they may need help through conversations and offer your services to them.

Are you circling on Google+ yet? What do you do to make more connections? How do you make sure you re getting the most out of the new social network? Share with us!

Dawn Pigoni of Be Social Worldwide is a certified social marketing specialist and a social media virtual assistant. Dawn offers superb social networking, social marketing and social bookmarking to WAHMs, Small Business Owners, Internet Marketers, Affiliate Marketers, and Coaches who desire to bring stunning internet presence through social networking to their businesses. Get Dawn s free report,

Social Networking

today & see how she can assist you with being Social Worldwide!

Article Source:

ArticleRich.com

By Valerie Rosenbaum

When you are looking for a face lotion to reduce age spots, most sources will suggest creams containing hydroquinone and they call it ‘safe’. That seems like a contradiction. How can a face lotion reduce age spots, safely, when it is accompanied by the risk of adverse reactions and long-term damage?

The ingredient has been banned in several countries, because it may increase a person’s risk of cancer. It should have been banned years ago, because it can cause the opposite effect of increased pigmentation. Complaints about a hydroquinone face lotion to reduce age spots include darkening and too much lightening of the area. Obviously, the effect that it has cannot be controlled. It’s too unstable.

So, how can a face lotion reduce age spots safely and effectively? If it contains an extract from the cyperus rotundus root, a well-known medicinal plant among traditional healers, it can lighten and even out pigmentation, by inhibiting melanin production. But, if you like your skin’s color, other than the spot, beware. By inhibiting melanin production, it will lighten your skin’s tone. If you don’t want to be ‘whiter’, you might want to choose something else.

How can a face lotion reduce age spots without inhibiting melanin production? That’s a good question, since the spot is a melanin clump, similar to a freckle. Here’s the answer.

Creams that contain a proprietary ingredient called Cynergy TK have been shown to increase the production of superoxide dismutase and glutathione within the skin’s cells. These antioxidants will help reverse brown pigmentation caused by UV exposure or environmental pollutants.

You might also look for a face lotion to reduce age spots that contains coenzyme Q10. Another antioxidant, COQ10 has been shown in clinical studies to reverse sun damage. Sun damage is what caused that spot to appear in the first place. You probably spent too much time outside, without protection, either over the course of several years or during a single trip to the beach.

Can a face lotion reduce age spots without bleaching? If you are fair skinned, you will undoubtedly notice that you skin looks lighter. How much lighter depends on how much or how little time that you spend in the sun. If you are still thinking that a tan is attractive, consider this. Fair skinned people that spend enough time in the sun to acquire a tan have far more wrinkles than people that limit sun exposure.

Basically, you might not need a face lotion to reduce age spots if you had spent a little less time in the sun or you had made efforts to protect your skin. If you are saying, ‘Wait, but I always wore sunscreen.’ That’s not surprising. Most sunscreens are actually ineffective. Only zinc oxide is truly effective and people don’t like it, because it doesn’t disappear.

So, can a face lotion reduce age spots, safely? Yes it can, as long as it contains the right ingredients. Read the label carefully, before you buy face lotion to reduce age spots. That’s the best advice.

About the Author: Valerie Rosenbaum studies anti aging skincare products and the natural ingredients proven to be clinically effective in slowing or reversing the aging of the skin. These ingredients include products with phytessence wakame, Functional Keratin, Extrapone Nutgrass Root & Cynergy TK. If you want to look younger then visit DefendYourSkin.com

Source: isnare.com

Permanent Link: isnare.com/?aid=375614&ca=Aging

Bringing Out the Truth about a Forex Trading Robot

by

Allen Collins

Forex Expert Assistants more fondly called as Forex robots, is basically programming software that automates a decision making process based on the charting and technical rules of the market of Forex. A wide range of these robots are available today in the market and have proved to be as much as 95% efficient.

Automated Forex trading robot systems sharply record and analyse trends and fluctuations of the ever changing market condition. The professionals that design these utility systems have incorporated years of online trading to know-how and achieve the top results of Forex trading. The rules by which the most successful players have traded in Forex have been implemented into the code.

These robots can be used by anyone who is yet unfamiliar with the nitty-gritty of this market, putting the novice at almost the same level of the expert, enabling him/her to earn profits despite the absence of extraordinary number crunching and data interpretation skills or the experience in online trading.

It simulates the human ability of judging by statistical data but leaves no scope for errors when it records, processes and concludes market trends. Forex robots are not prone to the emotional pitfalls of trading, like not making the decisions at the right time, excessive greed for profit and an unrealistic approach to deal with loss. Most robots have a stop loss mechanism in place which helps them reduce extensive losses.

They save a lot of time and effort. The new generation trader can make profits by skipping the sitting job, thus figuring and guessing market trends. Back testing features save months of hard work by providing automated smart work.

These Forex Robot trading programs have an interface directly linked to exchange platform as Met4 or Met3 and can enable trades to go unseen by the brokerage firms, thus reducing costs and increasing profits.

They come with built in large memory and data bases. The data is self updated and stored in secure locations. The robots also have strong back up and data recovery features in case they are turned off accidently.

Limitations:

There is always a certain amount of risk involved in trading in any market and the same beholds true for Forex too. Manual or automated operation, at the end of the day it is a buy-sell mechanism where both parties are trying their best to maximise their profits. With authentic Forex trading robot which has been tested in real time environment with real money, you can effectively minimise your risks of loss.

A Robot cannot comprehend extraordinary economy altering evens such as war, political instabilities, calamities and crisis. Its lifetime is determined by the changing market trends. If the changes are very drastic, one might need to get an updated version of the robot which is equipped to tackle the new trends.

Effective Forex robots have been proving themselves like a modern day philosophers stone. Try one now.

Allen Collins keeps a close watch on the foreign exchange market and offers in-depth reviews of

forex robots

. through his website. Each

forex trading robot

review at the site is filled with a vast amount of latest information to help you make the best decision. Also avail 50% discount on the purchase of any system.

Article Source:

ArticleRich.com

byadmin

People sometimes are born with defects in their body parts, such as their hands and feet. Some of these defects are not all that bad. A person could actually learn to live with the defect. However, some of them are quite severe, and will require the hands of a skilled surgeon to correct the problem. A couple of these problems that occur with the feet might be bunions and corns. There are many other ailments that may require foot surgery. There are Foot Surgeons in Racine WI and Kenosha, WI who will provide their medical services for patients with severe foot problems.

Some of the most obvious ailments that will for certain require foot surgery include, but are not limited to, hammer toes, severe Plantar fasciitis, severe ankle arthritis, and Achilles tendon issues. Hammer toes is a condition that causes the sufferer’s toes to become clawed and bent. Two procedures that a foot surgeon can perform to relieve this ailment are arthroplasty and arthrodesis. In the former, the deformed joint between the toe bones is removed. In the latter, the toe bones are fused together.

In the case of severe Plantar fasciitis, there is a severe inflammation in the area where the heel and the fascia are attached. Surgery can be performed under an hour, and the only required post-operative instruction is to wear a bandage. Wih severe ankle arthritis, the ankle joint is usually aggravated by osteoarthritis or rheumatoid arthritis. There is a lot of pain, swelling and deformed areas in the ankle joint. Three types of surgical procedures can correct this: ankle fusion, triple fusion or ankle replacement. With the Achilles tendon, the largest tendon in the body, wear and tear can lead to issues. Surgery usually can correct this problem.

Great Lakes Foot & Ankle Centers have been providing podiatric solutions for patients in the Racine, Wisconsin and Kenosha, Wisconsin areas for over 23 years. The podiatrists at the centers offer to treat all sorts of foot and ankle ailments through various methods, including surgery. If a patient needs to consult with Foot Surgeons in Racine WI or Kenosha, WI, the podiatrists are available. Get more information by visiting their website at http://greatlakesfootankle.com/.

Different ranges of flooring available with North Yorkshire Timbers Flooring and Doors

by

Declan Ellis

Being one of the best providers top quality flooring and doors in the country, member of North Yorkshire Timber, Flooring and Doors, are highly recommended for those wanting stylish new flooring. Whether its a new Dennebos kitchen floor or some new Sherwood engineered flooring for your workspace, therell be something to suit your needs in the Flooring and Doors showrooms.

Flooring and Doors have various different showrooms across Yorkshire and the North East, including locations such as Ripon, Darlington, Middlesbrough, Sunderland and North Shields, and they have products to suit every budget and style. Among the flooring displayed in these showrooms are Dennebos flooring, Sherwood engineered flooring and Kahrs flooring. As well as buying your new floors from these fantastic showrooms, you can also purchase the NY Timber products either online (they have a 100% secure online shopping system) or over the phone and you neednt worry about delivery because they offer delivery across the whole of the UK.

The flooring supplied by the North Yorkshire Timber branch is guaranteed to be solid and reliable with a sleek finish. Some of the floors including Dennebos floors are suitable for under-floor heating as well, which will be perfect as we approach the winter months. Dennebos are a very popular choice at the moment, being a successful and reliable brand with an exceptional choice of wide board engineered oak flooring. The Dennebos flooring products ensure maximum stability and bring warmth and character to any interior. You can view them today on the Flooring and Doors website.

Another fantastic choice of flooring from Flooring and Doors is Kahrs flooring the leading brand in engineered wood flooring. Similarly to Dennebos, it is suitable to install under-floor heating to, making it perfect as the weather is getting colder. Kahrs flooring incorporates the revolutionary Woodloc installation systems and offers a huge range of options of species, designs, gradings, finishes and treatments, meaning it can suit anyones requirements no matter how precise they may be.

A third option to consider for your new flooring is Sherwood engineered flooring, a beautifully polished product that will make any room look fresh, modern and bright. Some of the options available for Sherwood engineered flooring are Sherwood natural oiled and Sherwood unfinished. They come in a range of thickness and colour, and would be perfect for a multitude of different interiors.

As well as the doors and flooring products on offer at NY Timber, there are flooring and doors accessories including door frames, door furniture, skirting boards, architrave and floor finishing products. If youre going to have stunning Sherwood engineered flooring, you might as well give it the perfect finish with the appropriate accessories to complete the look. You can see further information on these accessories along with details on all the flooring on offer at NY Timber on the Flooring and Doors website. Alternatively, you can give the team a call and have a chat about your specific requirements and how they can help you choose the perfect flooring and doors for your needs.

Article Source:

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}

byAlma Abell

It is a major responsibility to own a commercial or residential property. Keeping occupants and property safe is crucial. These losses are devastating and can make a property owner financially liable for damages. Consider four important reasons to invest in fire alarm systems for buildings and homes.

1. Protect LivesFire is unpredictable and can happen at any time of the day or evening. When people are awake, they are more likely to see, smell or hire a fire when it starts. If the occupants are sleeping, they might not realize there is a fire. Elderly people, young children and pets can be particularly vulnerable if a fire gets out of control. A fire alarm can help to protect lives. Hearing the alarm alerts occupants and emergency responders that there is a fire. They can take action soon, and lives could be saved.

2. Reduce Property DamageIf the premises are unoccupied, a fire could rage for minutes, or even hours, without being detected. This can cause serious property damage to the contents of the home or building. Over time, it can compromise the structure of the premises or even level out a home or office. Having fire alarm systems installed can reduce the amount of property damage that occurs in a fire.

3. Ensure Early DetectionAt some point, a neighbour or passer by will notice a building on fire. But this is leaving detection to chance, which can often mean losing innocent lives and valuable property. Additionally, the stronger a fire gets, the more likely someone will get injured. This includes emergency responders who arrive to help people out of the building and put out the fire. A fire alarm ensures early detection to fight the flames as soon as possible and reduce any related problems that could occur.

4. Lower Insurance RatesHaving alarms systems can help to lower property insurance rates. Because the cost of insurance is based on risk, it makes sense that rates would be reduced for property owners who have alarms installed at their premises.

Don’t take unnecessary risks that can lead to damages, injuries and even lost lives. Contact Bsafealarms.com to learn more about getting a fire alarm system for your home or business.

By Kenneth Echie

A Legal Nurse Consultant (LNC) is a registered nurse or RN that works as a contact between knowing medicine and understanding the law. They generally consult with attorneys and people who are involved in medical issues. They will have general knowledge in personal injury, workers’ compensation and wrongful termination cases.

Many RN’s work on medical malpractice law suits. Attorneys are not familiar with medical terms or how to read medical records like RN’s are; a LNC bridges the gap between the two.

What does it take to become a Legal Nurse Consultant?

Every LNC is a registered nurse first. They differ from Paralegals because a Legal Nurse Consultant deals only with medical related issues. A Paralegal will assist an attorney in drafting and filing briefs on behalf of the law firm while an LNC will only work within the scope of nursing.

Becoming a Legal Nurse Consultant allows a nurse to move from the clinical aspect of their job and explore an office environment. Many who are LNC’s have experience in medical issues that attorneys do not. Since medical lawsuits have risen in number over the past few years, a nurse who wants to work with a law firm and use their education and expertise must obtain a degree or certificate.

Most educational programs are offered online. If you are going to further your education, make sure to pick a school that is favored by the medical association. There are several programs that are geared towards Legal Nurse Consulting or Forensic Nursing.

What are the rewards of becoming a Legal Nurse Consultant?

The career choice to work within the legal field is a plus, gone are the twelve hour days and or the night shift. Many law firms operate during business hours with attorneys burning the midnight oil.

Health care is a growing field just as much as the legal arena. LNC’s are sought after because of their knowledge of medical terms, standards of care and they can prepare medical summaries for trial. Many who have extensive knowledge in a particular area can be used as an expert witness at trial. They are an asset to any firm that practices medical related law.

How in demand are Legal Nurse Consultants?

The demand for a LNC is growing because many attorneys who practice medical malpractice suits are limited on their knowledge of medical terms. The American Association of Legal Nurse Consultants (AALNC) is devoted to keeping LNC’s informed about job opportunities. They also help to distinguish the difference between Paralegals and Legal Nurse Consultants.

An LNC might play the dual role in a smaller law firm, but a larger firm will use LNC’s to help with medical issues that a Paralegal or attorney doesn’t have experience in. LNC’s are held to a code of ethics just like a Para-professional or attorney.

If you have been an RN for a few years and working with a law firm sounds like a challenging and rewarding career change for you, then do more research on the internet. All you need to do is visit websites that cover the career in more detail.

Note: You are free to reprint or republish this article. The only condition is that the Resource Box should be included and the links are live links.

About the Author: Copywrite Kenneth Echie. Kenneth writes for

Criminal Justice Degrees

. Get free scholarship report and learn to become a

Legal Nurse Consultant

by visiting. See Also:

Extra Income Tips

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byadmin

When you first get a new puppy you want them to be well behaved and know the difference between right and wrong. Of course, this is never the case and you have to deal with months of teaching them what they aren’t supposed to do. Sometimes people do not adapt to the right teaching methods and dogs do not learn the things they need to know. If you want to ensure that your dog knows the basic commands and is well behaved then you can make use of a dog training service. This is going to allow your pet to work with another human, which will help with their social skills, and they will be taught how to respond to commands.

When you dog knows how to respond to your commands and recognize your voice it will make caring for them much easier. You can tell them not to run away and they will listen, instead of chasing them through the yard screaming at them. By showing your dog what you want you can easily get them to understand you and obey your commands. It is the simplest form of communication, without any type of words. There are some good locations where you can take your dog for some professional training if you need some help, though. If you are looking for the best dog training in Hattiesburg then check out the Animal Medical Center Of Hattiesburg. This location is a pet hospital that offers much more services than just health care. Many people say they have the best trainers around and that their dogs are so well mannered after being trained there.

Keep them in mind when you need to find the best dog training in Hattiesburg for your pets. Dealing with an improperly trained dog can be a very big headache. If another dog walks by your window your dog will naturally want to bark and interact with the other dog. This can get annoying, especially if you are trying to focus on something inside your house. By properly training your dog you can be sure they will listen to you when you want them to quiet down. Keep this in mind if you have been having any difficulties training your dogs.