How To Easily Find Many Houses You Can Have

This is everyone’s nightmare-you find the dream home just to see the asking price and your stomach drop by.

Can you buy it? Is there a way to gather your resources and assets to succeed?

And what if you pick something small and dirty, in a bad city area because you think you can not afford to pay better, just to find out (after you signed the papers) you can?

Before you commit to signing on the dashed line, it’s a good idea to research how many homes you can afford and whether you can grow or if you have to reopen them.

Here are some simple ways to find out how much you are entitled to borrow money from property fees and basic tips on how to prepare your financial information to help you get started on the right foot. Plus we will make it easier with home loan calculator which will save the cost of math!

Find out what the lender will ask for

There are a few things to consider before you set out to net net for a loan solution.

1. Gross monthly income
How much did you earn a month, before your bills and expenses went out?

2. Debts and monthly fees
If you have a credit card, an existing loan or a continuous monthly fee, you should make a note before starting.

3. Credit score
Use online tools to find out your credit score. The quality of your score will affect how many banks are willing to lend you.

4. Advance payment
How much can you give in a lump sum and how much is needed?

Get all your financial information together before you approach a bank or loan company so you know where you are.

Even this information gathering practice will give you a rough idea of ​​what you can afford, thus avoiding disappointment more easily.

You may also want to compile a list of questions to ask for your bank or realtor, such as property taxes and how much the closing cost of the property will cost.

Use a home loan calculator

This is the fastest and easiest way to find out how many homes you can afford.

Just use an easy tool to include all your monthly expenses and the expenses you expect to pay in a new home.

The home loan calculator will show you how much you can borrow, so you can not get away with more than you can handle or less than you can afford. Easy!

Consider future costs

Housing costs are not just about ticket prices, you know. Each property comes with an upcoming monthly fee:

– Utilities
– Home care
– Tax
– Insurance

You also have moving costs and home interior costs to think about, so do not forget to add them to your list!

If you have all your finances together and you have used a home loan calculator to see how much you can borrow, you are ready to plunge into the world of housing market!

Have you heard? Copper Has Health Benefits

 

What’s the first thing that comes to your mind when thinking of copper? While most of us think of the red metal used to make many things, do you know that it is also a metal element that is important to our health?

Since our bodies are not actively producing copper, the only way to consume them is through the foods and foods we eat. Adults should consume about 1.5 mg to 2.5 mg of copper per day.

Copper is the catalyst for our normal metabolic processes and combines them with proteins to make sure our body is functioning properly. With too much or too little, we can suffer from serious health problems.

If you experience weakness or loss of energy, it may be time to look at your copper intake. Read about the serious health benefits of copper.

It stimulates the brain
Copper plays a big role in your brain function and thought process. Too much of it can cause health problems and too little of it can cause abnormalities.

The myelin sheath is an important part of the nervous system in your brain and copper helps in producing and rebuilding it. This will ultimately have an impact on how alert and fast you can process information.

It’s also said to promote unique out-of-the-box thinking.

It calms joint pain
Have you ever heard of people wearing socks or copper compression clothing? They do this because copper is known to improve circulation and instead, soothe your joint pain.

Cooper is said to increase elasticity in your legs and contribute to the growth of lost cartilage. In the joints of swelling and pain, copper will produce a miracle.

It strengthens hair, nails, and skin
Copper is an important component in nutrients called melanin, which promotes hair growth, nails and skin and coloration. When melanin and copper work together, they create an enzyme called tyrosinase.

This keeps your hair healthy and reduces the possibility of your hair thinning and shaping gray. It makes your skin smooth and flexible and reduces your chances of developing wrinkles.

It helps absorb iron
One of the most important benefits of copper health is to help the absorption of iron and by doing so, maintaining the right amount of red blood cells.

This ensures that iron and sugar are distributed evenly throughout your body. Ultimately, copper promotes proper iron content and reduces the possibility of iron deficiency.

It prevents premature aging
Copper copper against diseases formed from premature aging such as arthritis. This creates an anti-inflammatory action and this is what helps fight arthritis.

But, that does not stop here. Copper also helps your normal growth and general health.

It has been shown to improve cardiovascular health, open blood vessels and prevent blockages that can lead to heart attacks.

It supports digestion
Lastly, copper is known to kill bacteria and viruses. Ultimately, it can kill the infection hidden inside your body.

As a result, it boosts your immune system and helps your body defend itself.

Consuming the right amount of copper can also help your body’s digestion process work more smoothly. It awakens muscles and allows wastage to travel through the body faster.

There’s more – copper leads to many other health benefits such as balancing the thyroid, supporting the liver and spleen, increasing energy, reducing cholesterol, and helping to form connective tissue.

Hopefully now you understand why this simple metal is so important to your health!

Your Guide to Barging on the Canal de Bourgogne

Your Guide to Barging on the Canal de Bourgogne

The Canal de Bourgogne in Burgundy is often revered as one of the nicest canals to navigate in France, with beautiful scenery that features charming French houses and colourful greenery. There are lots of historical sites to visit along the way too, including cathedrals, abbeys and markets. Length and Route
This 242-kilometre-long waterway connects Burgundy to Paris. If you want to expore the canal on a barge holiday in France, I would recommend travelling on the Saône Tiver from Saint Jean de Losne to Dijon, before winding down towards Monereau, passing through Yvonne, to finally reach the Seine. History and Feats of Engineering

 

Conceptualised in the seventeenth century, this canal is an incredibly well thought-out chef d’oeuvre of engineering, perfect for your barge holiday in France. The waterway opened in 1832 and took over 50 years to build. It features 127 locks, the most impressive of which is at Pouilly-en-Auxois. This lock is continuously filled by an underground reservoir via a tunnel system; it serves as a watershed from which the water flows both towards Dijon in the south and towards Migennes in the north.

The canal boasts many ingenious features. Its best one, though, is the tunnel which links the Pouilly-en-Auxois lock with the small port of Escommes. It is a very narrow two-and-a-half-mile-long underground passageway that was dug out from the rock in the early nineteenth century. Even today, it remains an essential connection between the north and south of France. Attractions en Route

The great thing about a barge holiday in France is that the canal wends its way through a number of beautiful French cities, giving you time to explore their history and soak in a little local culture. Cruising along the Canal de Bourgogne allows you to explore the Northern and Southern areas of the region.

In the north, be sure to visit the Abbaye de Fontenay. Though founded in the early 1100s, its structure has been incredible well-maintained with its cloisters, scriptorium and dormitories still intact. It’s a breathtaking piece of architecture, and now that it is a UNESCO World Heritage Site, even its gardens and ponds retain their original glory.

As you travel further down south, you’ll want to visit the monumental Notre-Dame de Dijon. It’s a Gothic-style church with an ornamented façade that boasts gorgeous columns and archways, as well as the typical gargoyles. Inside, you’ll find lovely colourful stain-glass paintings. Both edifices are an unmissable time capsule, the first providing unrivalled insight into Cistercian life and industry, while the second lets you revisit French Catholic practices.

If you have time, you should also stroll through Dijon’s market. It wouldn’t be a barge holiday in France without sampling French wines, local cheeses and artisanal breads. There are also pâté and terrine stalls that are worth a visit, as well as local delicacies like snails on offer. Make sure to try Dijon’s famous mustard and take some back with you as a souvenir. It’s a real treat for the tastebuds!

Paul Newman is the Marketing and E-Systems Executive for European Waterways, the UK’s most respected provider of all-inclusive, luxury itineraries for a barge holiday in France and other great destinations. Part of a team of experienced barging aficionados, Paul is first in line to endorse the perks of a slow-paced barge cruise to anyone looking for a unique holiday experience.

Challenge Accepted: Issues Facing Legal Marketing Teams

 

Have you spent time in or around the legal profession? If so, you ‘ve probably heard your fair share of lawyer jokes.

Unfortunately, most jokes about lawyers do not paint attorneys in a great light. The underlying assumption is that lawyers are, at best, boring and, at worst, crooks.

So, when it comes to developing a marketing campaign for a law office, marketers have their work cut out for them. Prospective customers already have preconceived notions about lawyers.

A good marketer’s job will be to undermine those assumptions and show the value of sound legal advice.

Let’s take a closer look at some of the challenges facing marketers for legal teams. Once we identify the challenges, we can develop a strategy for overcoming them.

The Legal Marketing Industry is Fairly New
For most consumer products, marketing and advertising have been around for a long time. This is not the case with the legal profession.

State bar associations once considered it unethical for attorneys to promote their services. This standard stayed in place until the 1976 Supreme Court case Bates vs. State Bar of Arizona. In this case, the Supreme Court ruled in favor of lawyers’ rights to advertise their services in a truthful manner.

Since that ruling, lawyers have had the same liberty to advertise as any other business. While this created new opportunities for lawyers, it also means that there is a history of legal marketing strategies to draw on.

This foundation challenge presents different difficulties for legal marketers.

Clients Lack Knowledge of the Legal Industry
Every marketer struggles with customer education to some extent. But this is especially challenging for marketers in the legal industry.

Usually, when a person needs a lawyer, they are in a vulnerable position. Perhaps they’re getting divorced or making a personal injury claim.

To reach clients in these situations, marketers must communicate the value of an attorney. Additionally, they must set the clients at ease, and help them develop trust in the legal team.

A great way for lawyers to meet this challenge. Strategies like blogging and social media engagement can be effective. These approaches make knowledge of the legal industry accessible to customers.

Technology has Shifted Marketing Strategies
Another challenge facing legal marketers is adapting to evolving marketing practices.

Let’s look at an example. In the past, if someone wanted to find a Charlotte criminal lawyer, they would probably start with the yellow pages. Or, they would talk to folks in their personal network, and look for recommendations.

Times have changed. These days, most folks would use a search engine as their first approach to finding an attorney.

So, in order for lawyers to get clients, they need to make sure that clients can find them. This means building a robust online presence that will find and connect with.

Are you ready to start working on a marketing campaign for your legal team? Then sign up today for a free account with ArticleCity. You’ll get access to marketing tools and resources used by successful marketers across the country.

How to Use Yelp to Improve Your Local Search Rank

How to Use Yelp to Improve Your Local Search Rank

You know that online reviews impact on your bottom line.

No doubt you’ve heard that word of mouth is the best marketing strategy but lately, almost 80% of consumers trust online reviews as if they were a recommendation from a trusted friend.

Over the years, more people turn to them to get the final word on whether they can trust the business or not.

For local businesses, this fact is even more important – moreover, about 50% of mobile searches are local.

Make sense; When you’re out and about and you need to find a place nearby, you’ll turn on your phone and then assess where to go with its reviews.

So how can you make that work for you? One of the answers is to incorporate Yelp into your SEO strategy. How to Use Yelp to Improve Your Local Search Rank

Not sure where to start? We’ve got you covered.

Here’s how to think like a local SEO company when it comes to yelp.

Optimize Your Site For Yelp
Recently, Yelp launched a new penalty targeting websites that are not mobile-friendly.

If you want to pay attention to Yelp, you must make sure that your website is optimized for mobile search and Yelp.

Here are some tips:

No pop-ups – Make sure there are no pop ups that include content on your main page
The ad folds above – Do not get your clients looking for content
Interstitials – If your site shows interstitials that your users should refuse to go to the main page, Yelp will punish you.
Doing these things will make your site more user-friendly and keep you in good Yelp’s grace. How to Use Yelp to Improve Your Local Search Rank

Do not Request Reviews
Many good, and good reviews help your site rank; any local SEO company can tell you that.

The important thing to remember when getting a review on Yelp is to grow your review organically.

Believe it or not, Yelp will punish you if they suspect you are trying to improve your review.

For example, reviewers determine review ratings.

If the reviewer’s account is new and they barely review anything, Yelp will suspect it as a dummy account and demotivate you.

Same thing if a bunch of reviews come in at the same time.

If you send bulk emails to your subscribers to send reviews and all of a sudden, Yelp gets a ton of them at once, your views will be penalized.

Growing the reviews organically How to Use Yelp to Improve Your Local Search Rank
So how can you improve your SEO ranking by yelp organically?

A good local SEO company trick is to make sure customers know that you are using Yelp.

Put the Yelp button on your site
Add Yelp’s decal to your window
Enter the Yelp key in your email signature
Finally, his review will come in.

Learn From The Best Local SEO Company
Now you have got some yelping tricks under your belt, go and try them.

New Business Concept Trends Using Virtual Office

New Business Concept Trends Using Virtual Office

In the digital era as it is today, the style of office also changed. This trend is right for you, who wants to have a more affordable office. You can hire a virtual Office or virtual office that is starting to become a trend. Say goodbye to your plans, open your office for expensive and complicated administration.

Know the Virtual Office Concept

Virtual Office is another naming of virtual offices that exist on the internet. You do not need to have an office in physical form, but just rent a virtual office.

This virtual office will provide a representative office virtual address, along with a phone number for your business – so you can receive phone calls, emails, faxes and other receipts.

By using this virtual office, the office business becomes easy because you can do online. Besides the cheaper cost, the operation is easier and much more effective. No wonder this trend began worldwide to the major cities in Indonesia. In the city of Jakarta itself, began many virtual office service providers are popping up.

Here are the virtual office trends you need to know. Perhaps your business can take advantage of this virtual office services?

 

● Provide a meeting room complete with the necessary equipment. Therefore you do not need to include your home address as your business address.

● Virtual offices also come with call centers, remote multi-lingual receptionists, virtual assistants, as well as databases to store various documents related to your company.

● You can rent a real meeting room, if at any time receive guests tailored to your needs and schedule

● A virtual office office can streamline your business needs – at an affordable cost – from opening a business to a standing company.

 

Well, that’s some of the Jakarta office virtual trends that can add to your company image – more bona fide in the eyes of the client of course. Then to whom this virtual office user is addressed?

 

Virtual Office users

To start a business does require substantial capital, especially if you have to rent an office in the shop-especially in office buildings with strategic location. Therefore, virtual office is suitable for you who are pioneering businesses such as Start-Up, small and medium enterprises, as well as business that is done from home.

 

Many of the professions and businesses that require virtual offices include home industry, accountants, lawyers, translators, business consultants, doctors or therapists, online stores, real estate agents, and more. They can open representative offices and other business activities can be done from home remotely

 

Virtual Office selection

The use of virtual office in Jakarta certainly can be very helpful, not only physical office requires high maintenance and operational costs, but also because of the streets are jammed. But before you decide to use a virtual office Jakarta, of course there are things to consider include:

 

● Charge of Use

Although the price of a virtual office rental is not as expensive as a physical office, but if your bill is made every time the office is used, of course it will cost the same. So try to make a comparison of several packages from each virtual office provider first.

● Facilities

As explained earlier, the virtual office provides complete range of facilities from receptionist to mail forwarding. So you better hire a virtual office with facilities that fit your work needs.

● Virtual Office Access

You need to consider if this virtual office access can be for 24 hours a day, or just at office hours just like a conventional office?

● Extra Charges

Make sure early on, that you will not be exposed to extra charges for small things like sending faxes, photocopies, and other hidden costs.

 

● Quality

You need to choose a Jakarta office virtual office, whose facilities are truly qualified, such as receptionists and virtual assistants. This facility can affect your credibility in the eyes of clients. Indeed many virtual office providers, but that does not mean have the same quality, right?

So, hopefully this article can help your business continue to grow and develop.

First wooden free-form houses Museum of Bread!

First wooden free-form houses Museum of Bread!

COOP HIMMELB(L)AU designed PANEUM – Wunderkammer des Brotes is the first wooden building in free form!
Meticulously planned, this customer information centre and event forum for the company Backaldrin in Asten, Austria, is an iconic structure comprising two elements: a box-shaped plinth building with foyer and event rooms that can be used for a variety of presentations, receptions or workshops for up to 120 visitors and the Wunderkammer des Brotes (Museum of Bread), a two-storey freeform exhibition area floating on top. The square base building shows a cast-in-place concrete façade while the rounded wood structure of the museum is clad with stainless steel shingles.

 

A centrally chiselled circular atrium is at once the cynosure of all eyes as it is flanked by a robust spiral staircase that invites visitors to pause awhile and take in the exhibited items from various perspectives. The stair provides access to the two exhibition levels, where the objects are displayed with the help of walls, tables, and cabinets that are integrated into the architecture. It further allows for striking vertical displays that take on a chandelier-like appearance, adding on to the visual appeal of the commanding building. The raw aesthetic of the interior is augmented by its self-supporting wood shell with its layers of cross-laminated timber and the natural light that filters in from above the atrium. This method of construction enables the realization of the free form and the high degree of prefabrication with 3D CNC technology that is precision-driven and cuts valuable construction time. It is a step into the future of construction; as Design Principal, COOP HIMMELB(L)AU, Wolf D. Prix says, “3D plotting, 3D milling and building with robots – that is the future of building.”

Low Maintenance Without Maintenance: 3 Ideas for Simple Landscape

 

There is something about having a beautiful yard that can attract the attention of every homeowner. Imagine the praise of passers-by, how great your home will look, and how property values ​​can increase.

Once you think about it, you can think of all the time it takes to keep your vision vision. Landscape can produce amazing results, but can also take a lot of time and money to maintain.

Imagine if you could have a simple view that could change the head and not damage the bank or spend all your spare time. It may not be possible, but you can have a beautiful page without having to make things hard.

Simple Scenes for Beginners
Every beautiful scene does not have to start with an elaborate layout and exotic plants. You can have a beautiful page with a bit of fuss if you do the right thing.

Are you ready to finally have a simple and simple maintenance page that will change your head? If you follow these three tips, you will have everything you need.

Take advantage of Rocks

Do not you want to spend a lot of time taking care of the plants? Then do not make them the center of your page!

Curious about how you focus on something that is not a plant on your page? The answer is simple, just use a stone. Stones of all shapes and sizes can be used as decorative pieces, roads to find a way, or just a way to not have to deal with caring for many different flowers and drives.

When it comes to simple scenery, you can not go wrong with a rock. Create a rock garden that could be your central yard, or consider placing some stones around the page.

Think Synthetic Grass

One part of the time-consuming landscape involves page maintenance. You will spend a lot of time on a lawn mower if you want a beautiful view. Grass that is too short or too long can get rid of the look you want.

If you want a really simple landscape that you can enjoy, you can not go wrong with a synthetic plant. Products like multiturf can give you the dream grass you’ve always wanted without having to worry about cutting or water.

The synthetic pages have evolved since their creation, and now you can barely tell the difference between the fake grass and the original grass. It not only looks real, but also feels like the real grass! You will also have the added benefit of not having to deal with pests.

Use Low Maintenance

When it comes to crop maintenance, some need more help than others. Species and certain flowering trees may look pretty, but they can take a lot of work to grow.

If you want to have a unique view that is also low maintenance, look for plants that thrive with little care. One simple way to do this is to plant native species that have developed in your environment.

If you are looking for a well-functioning plant in general, start with some known low-maintenance treatments. Daisies, violets, and lavender look great and do not require much care.

Do you have a tip for people who want a low maintenance meter? Share this in our comments!

Dare to Dream of a White Christmas in Courchevel

Dare to Dream of a White Christmas in Courchevel

Imagine waking up to a scene of snowy mountains and pine trees capped with a fresh dusting of snow on Christmas morning. Well, if you book a ski holiday to Courchevel for the festive period, this is exactly what you and your kids can expect!
In addition to enjoying a perfect winter wonderland, you and your family will be able to enjoy many festive activities in the resort, ranging from fantastic French-cooked Christmas dinners to a torch-lit descent for the kids to enjoy when the sun goes down.

 

The best part is that all of this couldn’t be easier to reach from the UK, as there are regular flights to Geneva from most UK airports, as well as excellent transport links from Geneva to Courchevel.

Courchevel for Families

While the exclusive Courchevel resort of 1850 is a perfect destination for many couples and ski enthusiasts, families with young children may prefer the lower resorts of 1550 and 1650, which are smaller and have a more family-friendly and intimate feel.

All of the resorts have their own children’s ski schools (I highly recommend learning with the French ESF – let them know that your children are English, and they will put them in an English-speaking class). What’s more, there are nursery runs, snow playgrounds and beginner slopes in each of the resorts.

When you venture away from the slopes, you’ll find that there is as much to do off as on the snow. For example, why not take the family ice skating, bowling or to the cinema?

What to Expect During the Festive Season

As you make your way from Geneva to Courchevel, you’ll feel the excitement of your children growing when you drive into the heart of a Narnia-esque landscape of snowy mountains and pine forests.

When you reach the resort, you’ll discover that the French embrace the magic of the festive season just as much as we do back home. The high streets in all of the resorts sparkle with Christmas lights, giving the entire area a truly magical feel.

Festive treats are likely to include carols and fireworks, traditional markets, a parade, tons of hot chocolate and live music events, as well as traditional Christmas meals in its many restaurants.

Highlights for 2017 include a torch-lit descent that’s led by ESF instructors and that features Santa as a special guest, as well as a special Boxing Day luge event.

Lastly, don’t forget that you’ll also be able to ski on Christmas Day. All of the resort’s lifts and pistes are open all day. Who knows – you might even discover Santa practicing his carving turns!

How to Get There

The resort is served by four airports during the ski season: Chambery, Lyon, Grenoble and Geneva. For the most regular and stress-free connection, choose a flight to Geneva with providers such as easyJet, British Airways, Swiss International or Air France.

For a completely hassle-free way of getting your family from the airport to your resort, simply book an airport transfer with Shuttle Direct before you leave home.

Let us know how many of you will be travelling, how many child seats you will need, and what ski equipment you will be carrying, and we’ll meet you at the airport with the perfect transport for you and your family.

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The Largest Data Breach Settlement of All Time

 

Every second, nearly 45 data records are lost or stolen.

When this happens in a business, all of their records are put at risk.

This also puts the clients’ personal information at high risk.

Not only does it create distrust between the company and its customers, it also comes with a high price tag.

Unfortunately, data breaches happen all too often.

Advocate Health Care and the U.S. Department of Health and Human Services settled in what is called the largest settlement of all time.

The Largest Settlement to Date
The U.S. Department of Health and Human Services (HHS) Office for Civil Rights (OCR) settled at $ 5.5 million with Advocate Health Care.

Advocate Health Care violated the Health Insurance Portability and Accountability Act (HIPAA).

HIPAA protects personal health information from falling into the wrong hands. Health care providers are responsible for the safety of their patients’ private information.

Over 4 million patients’ personal information was stolen. This information includes their information, names, addresses and credit card numbers.

The Incidents

The exposure came after the first incident in August 2013. Four desktop computers were stolen from an Advocate Health office in Park Ridge, Illinois.

These computers contained the records of millions of local patients.

The second incident occurred in the period between June and August of 2013.

Hackers gained access to the network of billing service used by Advocate Health. This incident exposed the health records of over 2,000 patients.

On November 1, 2013, another breach occurred.

Yet another computer was stolen from a vehicle. This incident exposed 2,230 patients’ protected health information.

After Advocate reported these breaches, the HHS began an investigation.

The Findings

Laws are in place that require health providers to protect their patients’ health information.

The HHS found that Advocate Health violated these laws.

The OCR found that Advocate Health unsuccessfully:

researched the potential risks relating to the protection of protected health information
enacted policies and procedures to limit the access of electronic systems
safeguarded laptop computers that were kept in unlocked vehicles
The department found Advocate Health Care at fault for not securing a written contract from their billing subsidiary.

This written contract should have stated that it protected any electronic protected health information within its custody.

Advocate Health has responded, stating that:

“As all of the digital landscape and the impacts it has on evolution, we have enhanced our data encryption measures to prevent this type of incident from reoccurring.”

Conclusion
Advocate Health Care Network includes more than 250 treatment locations. This includes the ten hospitals and two children’s hospitals.

This makes it one of the largest healthcare providers in the state of Illinois.

Advocate Medical Group (AMG) is a branch of Advocate Health Care.

AMG provides primary care services, medical imaging, and specialty health care services.

This medical group services the greater Chicagoland area.

With new technology, data breaches are becoming more common than ever before.