Take an Inventory of Kids' Clothing Before Shopping For More

June 21, 2017

When the time to shop for new school clothes draws near, it is helpful to take count of what clothes your youngsters still have and what they will be wanting for the upcoming school year. Every family’s needs and wants will change from time to time, but this can be extremely helpful when it comes time to make purchases.

Making note of an inventory of your youngsters clothing items is really helpful when one doesn’t want to buy more than is needed, or if you are shopping on a tight budget. It is also helpful when you are trying to reduce the number of clothing items that your kid already has. Most families have one child that often throws all their clothing onto the floor while trying to find a special article of clothing. Minimizing their clothing numbers helps kids be more orderly, take better care of their clothes, and you’ll have a neater room as a bonus.

One way to aid in making inventory fun is to hold a kids fashion show. Ask the children to model all their clothing for you. Make certain they have shirts and pants that match, and that each item is big enough. Keep track of what they own and what they will be needing in the near future. The inventory taking show may be a lot of fun and as involved as you and your kids desire.

As your youngsters show off their clothing, make certain they are the right size and that they aren’t too worn to wear. When you are looking through their clothes, don’t forget to pay attention to accessory items that they might need for their outfits. Be on the watch for separates that can be mixed to make different and new looking outfits.

Figure out how many tops and bottoms each youngster will need. This will help a lot when the time arrives to go clothes shopping for your child. When you find a clothing item that’s not big enough anymore, be certain to pass it along to another child or donate it to Goodwill.

Top 5 Outdoor Activities For Kids

July 9, 2017

Finding safe, fun outdoor activities for kids in all weathers may be a little challenging but definitely isn’t impossible. With the right kids clothes outdoor play can be enjoyed on most days. Anyone can find something fun and exciting to do during the warmer weather but what about those wind-swept autumn days or frost-bitten winter mornings?

Actually, finding something to do in all weather is more about an attitude change than an activity change. More and more these days we feel it may be too wet to go out or too cold when actually even a short period outdoors in inclement weather can make for a lot of fun.

A New Twist On Old Favourites

Not only can the activities be entertainment but it is a perfect way to teach children to be more aware of the world around them and how seasons work to affect the plant and animal life on earth. This in turn will bring them to think with empathy on other ways of life and how to better care for their environment.

Backyard cricket – This iconic game of Australia is a summer played sport but that doesn’t mean you can’t play forms of it in other seasons. You can use it to link back to some of our heritage and even use it to explore the cultures of the other countries that play. Tippety Run is an easy form of the game where you must run between wickets anytime the ball is hit. Wickets can be anything, even plastic rubbish bins, and because it is an active game it will keep kiddies warm on cooler days. It teaches teamwork as well.

Kite Making – the best things about kites is they need a windy day to fly so autumn and spring are going to be perfect. Of course, no electrical storms for flying but a good stiff wind is perfect and means less work to get the kite off the ground. Children will find these easy to make and with some encouragement and some basic kite flying principles they will soon be doing their own designs. The tails can be long and fancy and a big kite is a wonderful group project. This is a great way to discuss how birds fly and what other things might be found airborne in the autumn and spring. Older kids can learn about the power in lightning and how it can travel to the earth.

Treasure Hunt – Depending on where you live and how safe you feel the children will be wandering around it may pay to split into teams with an older teenager or adult with no more than two younger children. Toddler and preschoolers should always have adult supervision. You may need to take a drive to find a suitable spot if you live in a city.

A rock the size of a 20c coin
The longest stick you can find
A spiky leaf
Something the shape of a love heart
This can be done in several ways and is fantastic for all age groups; you simply adjust the clues according to age group. You can also award prizes for certain categories. A sample list might be:

You can tell them not to destroy anything living to get the objects and even a few showers won’t hurt this one at all. Just get them to don the raincoats, hats and boots and get excited about going out into the rain for a little while.

Outdoor Painting – Painting outdoors is perfect if there is going to be a big downpour likely. It’s easy to do when the cement or walls are already wet. Use big paintbrushes and safe, water soluble paints. Even big pavement chalk is fantastic to run out in between showers to draw and then watch it get washed away. This is the perfect opportunity to discuss how rain is formed in the clouds and what happens when it rains. Kids can watch the clouds moving fast in a stormy sky and make up stories about them and then try to paint those stories. Imaginations will run wild.

Sprinkler Play – Once before we could turn on the sprinkler on a hot day and play until our heart’s content. But the reality of water shortages is pertinent today and responsibility with water is an important thing to instill in our kids. They can still have sprinkler play but place the sprinkler into a pool and discuss ways to reuse the water when they have finished with it. It might be to put on the winter veggie patch that you sow in early summer. Water is an excellent source of education and play. Rainy days can help to show children what happens to water, where it goes after the drain hole, and what effect it has on the place it ends up in.

There really is no limit as long as you don’t mind a bit more kids clothing in the wash. Once rugged up well even breaking ice in puddles on a frosty morning is so much fun. There is a huge variety of kids clothes and kids protective clothes available today so no more excuses about the weather being bad, go and enjoy our world.

Managing a Family With a Travel Nursing Career

July 8, 2017

A career as a travel nurse can be an exciting and rewarding opportunity to see the country. Travel nurses have the opportunity to see many places and people while earning a substantial income. Most travel nurse placements run for about 13 weeks which means relocating quite frequently. Fortunately, travel nurse agencies take into account that many nurses have families so they make arrangements to accommodate a nurse with a family.

A travel nursing career will give you more control over your work and life. Most travel nurse companies allow nurses to choose their assignments based on their personal needs. They tend to select assignments based on location, pay, benefits, professional opportunities, and accommodating their family. No matter where you choose to go in your travel nursing career, most agencies will provide you with nursing positions customized to your fit your lifestyle requirements. Most agencies will allow nurses to choose locations that are not too far from their home. The agencies will also assist nurses with finding accommodations with additional rooms for family members. Some may charge a small fee for the additional rooms. An agency may also help workers find a location in their local area with flexible shifts that will allow them to spend quality time with their family.

Some families will choose to accept a housing stipend instead of housing facilities and travel in a RV. They can then maintain a comfortable lifestyle with all of the necessities and supplies contained in the vehicle. Some families choose to home school their children. Most communities have a wealth of resources to assist in your home schooling needs. This often includes activities that will encourage active socialization activities for children. Married couples who are both travel nurses have the flexibility to arrange their work schedules so that someone is always at home with their children while the other one is on their travel nurse assignment. They will often alternate work placements. This will allow a couple to maintain a family unit as well as have work breaks. If home schooling is not an option, there are some work assignments that can last up to nine months so a child can attend a full school year. Others may choose to accept work assignments that are a few hours drive from their permanent home. With a little time management scheduling, one can earn a great living while raising a family.

Having children does not mean you cannot enjoy a successful career as a travel nurse. There are many advantages that can benefit you as well as your children. Many recruiting agencies will provide you with free housing. Another benefit of bringing your children on assignment is that they have the chance to see other parts of the country and people while you earn a great salary with great benefits. Most travel nursing pay scales are anywhere from ten to fifteen percent higher than the pay of a regular staff nurse. It is much like a working vacation.

The nursing shortage has health care facilities across the country seeking skilled professionals. Travel nurses are in great demand and travel nursing agencies are eager to recruit qualified workers to ease the workload. Finding the best and safest housing for you and your family is not a problem for most agencies. They will accommodate your extra needs, whether you require an extra room for the children or even extra needs for a pet. . As well, you will receive great compensation, great health care coverage, and other appealing incentives. If you are a travel nurse or are interested in a travel nurse career, it is a great time to acquire a position in a fast growing and popular health field.

Online Shopping for Clothing: 5 Great Advantages

July 11, 2017

Nowadays online shopping for clothes has become more like a daily activity for the modern women. Despite its few flaws, buying clothing from an e-retailer is very popular. GSI Commerce survey on online shopping shows that half of the consumers prefer shopping for fashion clothing and accessories online to purchasing them offline. Online shopping for clothes has earned its place deservedly and we have to admit it.

Buy clothes online 24/7

One of the most important advantages of the online shopping for clothing is that you can buy your clothes regardless of what time it is. If you usually are engaged with work at the office till late, deal with your kids during day, having classes at the university and it seems that you don’t have enough time for shopping, buying your apparel online is the perfect solution. You can look for an e-store and buy fashion clothes at 22:00 p.m.

Diversity

Another benefit of the online shopping for clothing is the great opportunity to browse an international market at the simple click of a button. You can find so many online shops offering different styles – casual, formal clothing, you name it. You are into the vintage style, but you don’t have a shop with vintage fashion near you, well you can find an e-shop offering great vintage clothing pieces.

Convenience

Online shopping for clothes gives you the freedom to shop not only at the early hours in the morning or at the late hours of the night, but you can buy clothes online regardless of where you are – at the cafe with friends, during your vacation, or at the office during your break. As we live in the era of smart phones and Google, we access to internet almost everywhere shopping for clothing online is such an entertainment.

During holiday and season sales shopping centers get so crowded. It is quite a ‘mission impossible’ to reach the cute shirt at the end of the store. No more waiting on queues to pay for what you have managed to get. Buying clothing online is easy and saves a lot of time though. Even, you can make a gift and surprise your friend who is far from your location. Just purchase an item he or she likes and give his/her address for delivery.

Price comparison & Reviews

Buying your apparel online gives you the great advantage to compare the price of the particular item different retailers offer for it. Moreover, there are so many third-party independent websites for rating and reviewing products. It is a good idea to check what people say about the product you are about to purchase.

Sales

Last, but not least, great benefit of the online shopping for clothing is the great bargain opportunities. Online stores for clothing make great sales and discounts, especially during holidays. Perfect way to save money on buying clothes online is to take advantage of the coupons many e-stores offer. Shopping for clothes online and saving a few bucks – you can’t miss such an opportunity.

Next time you are about to shop for clothes and fashion accessories, why don’t to try online shopping for clothing. You can find a great deal.

Top 10 Internet Marketing Trends for 2011

June 20, 2017

The dawn of 2011 gives us the perfect opportunity to predict the top 10 internet marketing trends for the upcoming year. The 90′s was the decade of the internet, and since then we have seen new layers, tools, and worlds built on top of the world wide web.

Social networks dominated the past decade, apps came on top of that, and 2011 will bring even more areas of digital interaction and communication.

And just to have some fun for the holidays, I decided to turn them into some of the cheesiest puns and rhymes ever assembled in a blog post. If you can’t stand the rhymes, I’ve put a real title right next to them.

So here’s my take on the top 10 trends (in order) for internet marketing in 2011.

(1) No more game layer naysayers (The sculpting of the “game layer”)

Seth Priebatsch, the founder of SCVNGR, plans to build a “game layer” on top of the world. Things like rewards programs, board games, social games and check-ins have all come to make up the idea behind a game layer.

This game layer is a way to influence consumer behavior, by turning everything into a game. Wherever you go, whatever you buy will be built into a sort-of game dynamic that will reward you in multiple ways.

This game layer will be the most important trend to watch in internet marketing in 2011, as companies like SCVNGR and Four Square become a bigger part of the consumer process.

(2) Even more apps perhaps (Mobile apps continue to “suburbanize” the internet)

The internet has been compared to the wild wild west with its initial lawlessness and quick expansion. With the introduction of apps, the internet is being tamed into smaller communities – suburbanizing the internet in a way.

Jeff Cormier (Examiner.com) wrote an article today about how mobile apps are projected to experience 60% growth by 2014. In addition, revenue from mobile apps will increase from $4.9 billion this year, to $35 billion by 2014, according to an IDC report.

So we will see even more apps in 2011. Apps mark the beginning of the taming of the internet into organized mobile programs, and 2011 will continue this trend.

(3) All bets off, all Groupon (Downward pricing pressures on SMBs from Groupon-like sites)

As Groupon continues to roll out sites for more and more cities across the country, the “group coupon” phenomenon continues to sweep the web.

Thousands of other coupon sites have also popped up. I Am Hungry, for example, offers restaurant deals around your area. With apps for Facebook and mobile devices, these types of sites are spreading like wildfire.

We are almost at the point with all of these sites that you could always get a meal at half price. For 2011, look for the Groupon and I Am Hungry-type sites to put downward pricing pressure on small service businesses (especially restaurants).

(4) Online privacy issues and miscues (Online privacy becomes a huge issue/opportunity)

Access to data is an essential part of the idea behind Web 2.0. Having up-to-date information on people is the key to targeting search results, advertising, and offers. However, when will this go too far? 2011.

The Federal Trade Commission just released a report this month about protecting consumer privacy. This movement covers an idea to implement a “Do Not Track” program for consumers. This would be a technology that would allow consumers to tell websites to not track their activities and information.

As this movement plays out, look for online privacy to be a huge part of the web in 2011.

(5) Boob Tube out, YouTube in (Increase in online video marketing)

Faster internet connections, easy share capabilities, better video search, link integration, and YouTube channels – these all point to an even bigger emphasis on video marketing. A video going viral is the dream of every marketer, and it’s easier to make those videos and easier to have them spread.

Pew Internet Research says that 7 in 10 adult internet users have used the internet to watch or download a video. In addition, videos can help increase search rankings and have a major impact on SEO.

With all of these factors coming together, online video marketing will become mainstream in 2011.

(6) Local becomes focal for search engines (More emphasis on local search)

Over the last few months of 2010, we’ve seen local results take a bigger role in Google SERPs (search engine results pages). Tools like Google Places and Yahoo! Local make it easier for businesses to gain exposure for their certain keywords and now have placed more importance on those listings.

By incorporating Google Tags into Google Places and offering statistical insights for your place listing, Google is telling small businesses that local search will become even more important in 2011. This makes sense considering that the goal of a search engine is to deliver the best results for each search. What good would a plumber in Seattle do for a homeowner in Boston?

(7) 2011 Twitter: More litter, less glitter (Major change in the Twitter model)

A San Francisco Chronicle article came out today revealing statistics about Twitter. As the article states, Only 8% of American adults use Twitter and less than 1/4 of those users are “heavy” Twitter users.

Twitter’s goal to become the world’s largest media company, therefore, is too far out of reach.

It seems that Twitter has been most successful in the celebrity-realm, as people can get an insight into the lives of their favorites stars. The celebrity element, however, is not mainstream enough for Twitter to survive solely on that niche and its goal to become THE media outlet seems out of reach. So where does Twitter go from here?

Well, we’ve seen the introduction of “promoted tweets” and the new Twitter profile in 2010.

What does 2011 hold for Twitter? I am predicting declining participation rates on Twitter, more dead profiles, and potentially a serious change to make money and increase participation.

(8) HTML5 goes live (The release of HTML5 and its impact)

HTML5 is currently under development by the Web Hypertext Application Technology Working Group. The latest HTML revision will make it easier to incorporate multimedia into websites.

The impact on SEO will be interesting to follow in 2011. The new <> tag, for example, will make it easier to segment new posts for online periodicals like blogs and online magazines. Search engines will most likely place either more or different emphasis on these sorts of tags.

(9) Online communities = new opportunities (Market Research continues to change)

Typical market research reports are generated over a long period of time and result in 1000 pages of somewhat outdated data. Online communities are a newer way to conduct real-time market research from a group of about 200-500 consumers that represent the target market for that specific brand. These people will answer key questions and discuss certain topics associated with a product before it launches, for example.

Companies like Communispace and MindGauge allow brands to gather consumer insight quickly. MindGauge’s website describes the difference between traditional market research and online communities by saying, “Rather than an independent source gathering information, respective managers will begin to integrate the community into all components of their projects.”

Although this powerful insight tool has been around for awhile, we are predicting that more dollars will be devoted towards this kind of tool in 2011.

(10) The cloud starts to reign (Cloud Computing continues to spread)

Although “the cloud” does not really fall under internet marketing, its impact on agility for sales forces and IT departments is undeniable, so it found its way into the top ten. The days of building custom-made business apps and soft
ware are gone with companies like salesforce.com. Cloud computing allows businesses of all sizes to get better systems up and running, faster and cheaper than custom-built software.

For 2011, even more clunky and expensive IT systems will be scrapped for the cloud and collaboration will be brought everywhere through mobile devices.

2011 should be the fastest year in internet marketing. Many more trends will occur that could change the landscape of internet marketing for businesses of all sizes.

What do you see as the biggest trend for 2011?

First Travel Nurse Assignment – Frequently Asked Questions

July 4, 2017

Question: I decided to switch to be a travel nurse instead of permanent placement how do I decide where to go?
Congratulations! You have made the first step toward an exciting career of travel nursing. Choosing where you want to go will be one of the questions the travel nursing staffing agency will ask you. Since each travel nurse assignment is approximately 13 weeks long, you do not need to worry about planning where you want to go months in advance. However, there are several factors in deciding your first assignment as a travel nurse.

o Suppose you have a family member whom you haven’t seen in awhile, you could select a location near them so you can have time to visit and form a relationship. Additionally, you may know of a sick relative who needs assistance, so you can choose a destination from your nursing staffing agency nearby.
o Dreamed of visiting the Grand Canyon or the Rio Grande? Would you like to vacation in Hawaii or near Wine Country? Ask your travel nursing staffing agency about jobs near these destinations.
o Do you want to escape the summer heat? Ask about a travel nursing job in Minnesota or Oregon where the summers are beautiful and full of outdoor summer activities.
o Ask your travel nursing staffing agency recruiter about top destinations or ask other travel nurses where they like to travel and work.

Question: What kind of uniform will I need?
Uniforms are often provided to you. You will likely receive them upon your arrival. Each facility requires something different as far as work clothes or uniforms most of the time. It is, however, best to bring a couple pairs of comfortable shoes and an extra set of scrubs, in case your uniform is not ready the first day of your assignment or in rare occasions not provided to you. Also, keep receipts of all nurse uniforms as well as laundering expenses for tax purposes.

Question: What do I need to do before leaving on a travel nurse assignment?
If you know the exact date you will be leaving for your first travel nurse assignment, then it is a good idea to have your mail forwarded to your new housing address. You can give the post office start and stop dates for mail forwarding. It may take up to a week to get your mail at your new location, so make arrangements with any monthly bills you have to pay beforehand.

Inform your nursing staffing agency of your travel dates, so they can inform the employer when to expect you as well as how to reach you during transit. Also, tell your family and friends of your new assignment address, phone number, travel route and where to reach you in case of an emergency as well as the number of your nursing staffing agency. Carry a cell phone and car charger with you at all times; you may need to call someone during transit if you have an emergency.

Carry a folder to hold all your travel expenses, receipts, professional licenses, CEUs, uniform cost and cleaning, fuel for your car, airfare and lodging. Having an organized folder for keeping all these items will save you at tax time.

Finally, it is best to have enough money for meals, fuel, and incidentals for at least two weeks. If you have not set up a bank account at your new location or if you do not have direct deposit, your paychecks may be delayed and you’ll be without accessible funds.

Question: How do I find personal and repair services while working as a travel nurse?
Starting in a new location whether as a job transfer or a travel nurse can be daunting; however, knowing that you will be working with other professionals who are available to refer you to credible and affordable services.

Since travel nurses often have the option of staying in medical staffing housing, you won’t need to worry about home maintenance repairs. While you may need to find a beauty salon or barber, auto repair shop and affordable grocery stores, the same people you work with will be your greatest resource.

Other places to find information about local businesses can be found on Angie’s List and Yelp, which provide reviews and ratings by consumers. Almost every town also has a travel bureau or a chamber of commerce, which have plentiful of resources and recommendations for retail stores and services.

Question: As a travel nurse, do I have to accept an assignment right away after one ends?
No, you do not have to take another assignment right away. As a travel nurse you can take a break between assignments whether it is for one week, two weeks or more, and then choose your next assignment. Travel nursing is not only a great opportunity to explore new places and work assignments, but you also are able to plan your vacation between assignments.

A great recruiter will however follow up with you and talk about your plans before your assignment ends so there is a smooth transition if you want to take advantage of another assignment right away and the many bonuses and rewards that are often times offered for taking another assignment right away. The option is yours!

Question: This is my first travel nurse assignment, what if I have problems adjusting to work schedule or personnel? Whom do I contact?
Medical staffing agencies will be able to work with your needs and special requests regarding work assignments, travel costs and housing before your first assignment; this will help alleviate your first travel nurse assignment problems.

However, if you feel like the travel nurse assignment is not what you expected, you should talk to your head nurse or physician to solve any miscommunication or task responsibilities. Notify your staffing recruiter as well to make sure they know and help resolve issues so that others are in the know as well. You may also know of another nurse whom you can confide in about any concerns you have. It is best to talk to someone before issues interfere with your travel nurse assignment.

If you think of other questions before you leave for your first travel nurse assignment, call your nursing staffing agency because they will have an answer for you when you need it. Rely on their experience to guide you and keep your confidence levels high before during and after travel.

Is an electronic cigarette the best way to quit smoking?

June 14, 2017

For more than fifty years now, physicians have tried to raise people’s awareness regarding tobacco related illness and death, but even with all the anti-smoking ads and the increased excises, a lot of people continue their nicotine addiction. Trying to quit is not an easy process and there have been many ways suggested and praised, from nicotine patches to the newest electronic cigarette. However, giving up smoking is just about strength of character and will, as it is about finding the right method for you. Determination is certainly a factor here, but one should also keep in mind that every body is different and what worked just fine for your friend or relative, may not work for you. The recent invention of the electronic cigarette, however, seems to be enjoying a lot of popularity, although lately, the e-cigarette industry was hit by an FDA report, calling them dangerous.

Taking first things first, supporters of the elektronisk cigaret are claiming that it is the best tool in one’s efforts of giving up smoking. It has the feel and look of the real thing, but without any of the harmful substances. The e cigaret does contain nicotine, but none of the other chemicals, such as tar or carcinogens. So basically, it has three main components: the cartridge, which is the part you put in your mouth, an atomizer, being the heating element, through which the liquid is being vaporized and a battery, which works as a power supply. The elektronisk cigaret also makes use of a flavouring component, which, believe it or not, was one of the aspects for which it has been criticized. The FDA report stated that young people, who are not yet smokers, can be attracted by the different flavours of the e cigaret and thus tempted to try the real thing.

However, the electronic cigarettes industry has a lot to bet on, considering the benefits that opting for an e cigaret brings. Apart from the fact that it has none of the dangerous and extremely harmful substances of real tobacco, such as carcinogens or cancer causing agents, tar and second-hand smoke, the innovative product also eliminates other disturbing elements like smell, the bad breath or the discolouration of teeth. Furthermore, they had such a good start-off and were so well received by people, as a healthy alternative to smoking, that a couple of airlines even allowed their use during flights.

Health campaigners on the other side have argued that going from a tobacco cigarette to an elektronisk cigaret is not a solution. The only solution is giving up smoking in all of its forms, otherwise, sooner or later, people will go back to tobacco or just alternate between the two. Others stated their concerns with propylene glycol, which is a main ingredient in an electronic cigarette as it helps create the illusion of smoke, and how it had not been tested thorough enough.

All things considered, one can try many ways to quit smoking, such as a nicotine patch or gum or even the application of medication, but if the invention of such a device as an electronic cigarette was needed and it works, then it may as well be regarded as a very good, if not best, method.

What Is the Big Deal About Shopping for Cheap Shoes and Women's Sandals?

July 2, 2017

Well, it’s because most all women love to shop for shoes; your outfit is not complete with out that perfect pair of shoes. But in today economy we don’t have a fortune to spend. So buying cheap shoes becomes a major factor but at the same time we are not willing to give up on the quality and style. Lucky for us we don’t have to there are many online shoe stores that cater to our needs, offering various styles of Women’s sandals, Fashion Boots, pumps, wedges, casual flats and many more giving women what they want without having to sacrifice quality to deliver low cost

The benefit of shopping on line:

Well that’s is an easy one, its cheaper, faster, and the online stores are open 24/7 to allow you to shop at your convince and when you have few minutes to yourself. Plus the online shoe stores have a much larger inventory then a department store. So the chance are you will find your dream shoes at one online store that will soon become your favorite, so remember to bookmark it.

Tips to keep in mind while shopping for shoes

You always what to consider Comfort, style, needs, occasion and outfits are the major tips that should always be at the forefront of your mind when you go shopping for shoes just like we make our lists to go the grocery store, same concept different item!

Successful shopping to enjoy the maximum benefits:

–keep your wardrobe update with the latest styles and trends like heeled sandals, flats, wedges, peep-toe sexy sandals, beautiful pump, stylish thongs, fabulous flip flops etc. but always choose the style that fits you and your personality

–Shopping for the occasion is also an important factor to consider. If it is for a night on the town, a pair of stylish stilettos or platform pumps will do to give you sexy appeal. But if you planning a trip to the beach or a stroll through the park you might want to consider a pair of cute and comfortable flat women’s sandals, a pair of flip flops or even a lovely pair of low wedges will fit the bill. What ever the occasion don’t just settle, find the perfect pair that shows off your personality, your outfit and matches the need for the shoes.

–Choose a pair of footwear that matches most of your outfits for everyday ware. But if it’s a special event then shop for shoes that will well match your selected outfit, giving you the stylish flair you are looking for, with an evening gown, a nice pair of any high heel sexy sandals will be the perfect cherry on the cake to keep you in the limelight. For any casual outfits like sundress or caprices, slip into a pair cute and sassy womens wedges that are all the rage right now.

–And of course comfort is the utmost important thing to consider while picking a pair of women’s sandals. Make sure they fit property, the shoes should fit you comfortably and easy to walk in, after all we are not all made for walking in 6′ stilettos, but hey then there are those ladies that are. Whatever your choice I am sure you will be able to find them at an online shoe retailer that stays on top of all the fashion trends at affordable prices,

Owning stylish beautiful shoes should be the right of every women, and stylish beautiful shoes can still be high quality cheap shoes

Have FUN!! And enjoy your shopping trip

Home Buyers and Sellers Real Estate Glossary

July 3, 2017

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Three Reasons to Hire a Car on Your Holidays

June 20, 2017

If you are planning to arrange transportation in Portugal, then you will find many options for you. However, the best transportation medium is to have car hire in Portugal. Of course, you can get other public and private transport option, but in most of the situation you will find that you are doing the best deal by going for car hire in Portugal. So, let’s see the three most common reasons why you should go for car rental in Portugal.

  • You will get best deals in terms of cost: Car rental is better if you have a travel plan spanning over different spots of city. For example, you are a tourist or have come for visiting places like coast lines at Algarve or different spots in Lisbon or Faro; then a car hire in Portugal make sense. Instead of taking different vehicles from one spot to another, a car rental for the required stretch of distance or time will give you economical advantage. Some times car hire companies will have different discounts or package for different tourist spots, too. This may depend on the seasons, when the passengers going for car rental in Portugal may be less. So, watch out for these discounts and it will prove to be a best deal for you. In case, you are a local there also, a car hire in Portugal will offer a relatively economic option for you, especially in case you are looking out for convenience too.
  • It provides a real comfort: Car rental is always very comfortable as compared to other public and private transport. The same way car hire in Portugal will take care about your comfort, while traveling. It is spacious and you need not worry about luggage too. It sees about your own comfort, all because of the reason that it has been hired personally for you. This makes a very economical comfortable option for you.
  • Takes care about your urgency, time schedule, etc: One of the reasons why people prefer for car hire in Portugal and elsewhere also is because of convenience with regard to your time schedule and plan. For example, while traveling you needs to stop over somewhere for shopping for a bit more time, you are free to do that without worrying for you being getting delayed. In case, you are planning to go for airport quickly, you can easily do so by taking an alternative way, if the main road has some traffic jam. In case of Portugal, you will always like to do that seeing all the scenic spots you will find at Algarve beach or stunning places at Faro.

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