Home » 2017 » February

Monthly Archives: February 2017

Casual Teenage Boys Wear

[ad_1]

Are you conscious about the dressing of your teenage boy? Are you looking for casual and relaxed boys wear? Teenage boys wish to wear relaxed dresses that can let them play and roam around. Most of the boys do not like to go for shopping with their parents as they have developed their style and comfort; they desire dresses that are sporty and easy.

Most of the parents hope to shop for their teenage boys, but they forget to follow what their sons crave for. If you want to buy anything for a teenage boy, first know about his choice and opinion, give him some time and try to know him fully. I can bet you, more than 90 % boys will ask for casual wear rather than formal or restricted wears.

Teenage boys often go with trends; they simply like to follow it without recognizing it fully. Presenting themselves up-to-date and most stylish among the peers is the dream and trance of the new generation; they are in competition with one another and you simply cannot stop them. So, it is better to let them choose their dresses at this age.

If your son selects any dress that goes mainly with style, you need to consider if it is comfortable or not? Do not go for style only; make your son go for the comfort and ease factor when going for dressing; he will surely understand it. You need to give him models or simply ask him to try it and feel the comfort level. He will admit the actuality only when he will feel it by himself.

Try various styles and buy from more than one shop as it will leave a good impact on the traits of your teen. Try to follow diverse patterns in dressing as the same scheming will leave a boring impact. You must be vigilant about the colours and shades of the clothes of your son. Do not go for the same shades and tones; try unique but suitable colours. Make sure that you do not put odd or gauche colours for your son. You should have proper knowledge about the colours that are restricted to boys and girls as well. No parent would like to make fun of his son in front of others while wearing pink t-shirt.

You can buy online; there are ample websites that offer great packages and deals to the parents. They have experts that guide you in newest trends in unfussy wears; you can just sit with your son and select any wear for him. Most of the sites catch your interest by offering price series and colour selections.

Casual clothing is unlike the formal one; your son can try any style in it. You need to be with him just to guide him. Teenage boys get crazy about few and limited colours; here you need to tell the significance of other colours as well. Casual wear does not signify that you have the liberty to wear socks with sandals.

Teenage boys are fond of wearing hand bands and chains; accept the taste of your son. If you do not get time to shop with your son, ask your daughter to do this job for you, as it will be a good companionship for your son.

[ad_2]

How to Make Hardcover Photo Books From Snapfish

[ad_1]

Snapfish.com is a well known online retailer of photo based gifts and other products and services. Despite offering a plethora of photo printed products, like calendars, traditional prints, and even drink coasters, Snapfish seems to be best well known for their exquisite photo books. Photo books are created by the user, who uploads a set of their own digital photographs from their hard drive to the Snapfish website, and uses their robust editing software to assemble them into a bound hardcover book with text, backgrounds, borders, and other fun and appealing features. Photo book prices start at a low $19.99 for an 8×11 hardcover photo book with a linen cover, and 20 full color pages.

Before you can start designing a photo book with Snapfish you must first register on the website. To create a photobook, navigate to that section of the website and select the size you want to go with. For hardcover options they offer 8×8, 8×11, and 12×12. There are two different options for the 8×11 available – Leather or Linen covers with a “window” (showing a portion of the image on your first page), or a printed cover or jacket. You make these selections before entering the designing software, but you can change it later if you desire.

Before you start designing your photobook, you should first select and upload all of the images you want to use in that photo book. Once all of your images are uploaded, Snapfish offers to automatically design and fill in the photobook for you. While this makes your job super simple, it may not do things exactly as you would. Images are filled in in the order they’re uploaded, and page layouts are somewhat random. The design system will lay out your images in plenty of different ways. Sometimes it will put two images on a page with a text area, or one full page image with no text, or sometimes three images on one page and a page of text on the next. This is a great option for people who don’t want to spend a ton of time working on the book, but takes some of the personal touch out.

If you really want to dive in and make the best photo book you can, then you’re in luck – Snapfish’s design system is extremely robust. If you try to insert an image that is low resolution and won’t print well, you will be warned. You can also do photo adjustments from the design area, like resizing and cropping, flipping, rotating, red eye removal, color enhancement, brightness and contrast, and even color conversion (black and white, sepia, colorize).

You can also select page backgrounds and designs. You choose a “theme” before entering the designing area, but you can change every page individually if you prefer it that way. Just select the “Backgrounds” tab and drag and drop what you want onto the page. The “Layouts” tab is where you can choose how many images you want per page, if (and where) you want to place text, and the size and placement of images. There are a total of 78 different layouts to choose from, as well as “magic” layouts that allow you a much more customized layout experience. You can even add borders to your images here, but that option isn’t necessarily compatible with all layouts.

The hardest part of designing photo books is keeping track of which images you have and haven’t used, so that you don’t end up with duplicates, or leave some out. Snapfish makes your image management easy, however, by placing green checks next to images you’ve used. The full list of your images (and these checks) is found on the right hand side of the design area. If you decide you want to remove an image from use, or from your list, you can do that in this area as well.

Once you’ve completed your photobook, you can view a 3D rendering of what it should look like by clicking “Preview” at the bottom of the design area page. This is a navigable preview that lets you view pages in order, like you would if you were looking at the real book.

Snapfish.com makes some of the best photo books on the web, and hopefully with this article you are now better prepared to navigate their website, and design the best photobook possible.

[ad_2]

Drinking Water, Hemorrhoids and Alcohol Consumption

[ad_1]

There is a lot to be shared about the connection between drinking water, hemorrhoids (piles) and excessive alcohol consumption. The news media, health blogs and healthy living magazines constantly remind people to drink more water for better health.

We all know water is better for us than soda, sugary drinks and all the other liquids most people prefer to drink than simple water. But we all have cravings. I used to drink lots of soda thinking I was getting enough water from it.

These same health sources also warn that excessive alcohol consumption and hemorrhoids are a painful reality for many heavy drinkers. Piles are inflamed anal veins that grow into small or large masses inside or outside of the anus.

They are commonly known as internal or external hemorrhoids or external piles and internal piles. Hemorrhoid symptoms are chronic itching in and around the rectal cavity. They also cause a stinging burning pain that makes walking or even sitting extremely painful. Severe inflammation of anus veins can cause bleeding from the anal region that can be scary.

Let’s look at drinking water, excessive alcohol consumption and hemorrhoids a little more closely.

Drinking Water and Hemorrhoids

Water is absolutely essential in digestion, absorption of nutrients and bodily waste elimination through urination and bowel movements. Health experts recommend as a general rule of thumb to drink at least eight 8-ounce glasses of fluid a day. If you’re exercising or losing bodily fluids more rapidly you’ll need to drink more, but the “8 x 8” rule is a good to gauge follow.

Drinking water helps prevent chronic constipation, which can play a big role in developing piles. Straining when passing bowel movements can lead to blood swollen veins around the anal region. When a person’s body is not properly hydrated from drinking enough water constipation can happen that causes painful piles to develop internally or externally.

Dehydration is significant contributor to hemorrhoids. Drinking plenty of water can greatly reduce the risk of getting this condition that effects millions of people yearly. It can be caused by digestive problems due to poor body hydration. You would be amazed at how many cases could be prevented using the “8×8” rule.

Chronic diarrhea is another major cause of piles forming. Diarrhea’s spastic motion adds a tremendous amount of unhealthy pressure to the anus that can cause straining like with constipation. Strong spastic pressure on the anus that can also cause anal fissures besides inflamed anal veins.

When people do develop hemorrhoids their doctors always tell them to drink plenty of water to help flush out toxins while keeping their digestive system healthy to prevent a future outbreak.

If you don’t like the taste of tap water or want to live eco-friendly avoiding bottled water invest in an affordable water purifier for the kitchen faucet.

As a former hemorrhoid sufferer who went through laser surgery in Los Angeles I make sure I drink plenty of water daily. Hydrate to beat them!

Excessive Alcohol Consumption and Hemorrhoids

By no means am I telling people not to drink. I enjoy one glass of red wine with dinner most nights. My doctor told me it was good for my heart in moderation. If I’m at a dinner party it’s not uncommon for me to have two or three glasses of red wine while enjoying good company.

When I go fishing or camping with family and friends I enjoy more than a few bottles of Sierra Nevada Pale Ale. As I’ve got older in life I’ve learned my drinking limits and no when to not push it to excessive alcohol consumption.

Where excessive alcohol consumption and hemorrhoids becomes a dangerous mix is when it comes to heavy or binge drinking. College was my first experience with excessive alcohol consumption and piles. I wasn’t drinking enough water or eating right. My sophomore year I developed a very small external hemorrhoid.

It still hurt like an itchy fiery bee sting and I was embarrassed to tell my friends. My parents took me to a doctor who prescribed me a non-steroidal anti-inflammatory drug (NSAID) to treat it and eliminate it. The growth was very small and was caught early, so it could be treated without surgery or banding. There are other many excellent hemorrhoidal products you can buy online for hemorrhoid relief and treatment.

Alcohol dehydrates the body badly and robs it of precious vitamins. Most people when they drink alcohol skip drinking water in between alcoholic beverages and don’t take a vitamin for a day or night of drinking.

Heavy drinkers have a higher risk of getting this rectal condition because of alcohol dehydration and lack of vitamins in their bodies. It’s recommended to take a multivitamin 4 hours before drinking alcohol. When you drink alcohol make sure to take your vitamins.

Drinking too much alcohol can cause severe constipation and small, dry stools that are tough to pass during bowel movements. The strain and pressure to pass a bowel movement makes the veins in and around the anus inflamed. This is a major factor to internal and external piles developing.

People that consume alcohol excessively will commonly experience digestive and bowel movement problems. This is because alcohol in any common form (beer, wine, whiskey etc.) acts as a diuretic that will dehydrate the alcohol drinker.

A person who is dehydrated normally experiences constipation and is forced to severely strain when passing bowel movements. Binge drinking can also lead to highly elevated blood pressure, which in turn increases the pressure to delicate veins in and around the anus.

The important thing is to drink water even when you’re drinking alcohol to stay well hydrated. Dehydration, constipation and diarrhea contribute heavily to hemorrhoid risk or can make a current hemorrhoid condition worse. Water is your friend when it comes to hemorrhoids. Excessive alcohol consumption and hemorrhoids are two things to avoid if you can.

[ad_2]

Car Insurance Lead Script

[ad_1]

If you need to generate leads of people interested in getting updated car insurance rates, here is a script that works great. All of the verification questions are asked first to build trust with the prospect before asking for new information. Don’t over think your lead generation campaign, often the simplest processes yield the best results. Start off with a short greeting and explain the reason for the call within the first 30 seconds or risk losing the prospect’s attention. Verify first, ask for new information second. Use verification questions to build report with prospects before asking for new information. For example, “I show your address as…”, versus, “how much is your monthly auto insurance policy at the moment?”

Write out rebuttals that the telemarketer might need to handle common objections. Think of these as opportunities to give more information as well as steer the conversation back to generating a lead. Generating interest and doing some simple verification work should be the primary goal of each call. Don’t make the mistake of trying to pack too much into each call.

“Hi, may I speak with __________? Hi _________, this is AGENT NAME, I’m calling from XXX car insurance, I’m just calling to verify your information so we can provide you with updated auto insurance quotes, I show your name as NAME and your address as ADDRESS in CITY, STATE, and the zipcode is ZIPCODE I also have your email as EMAIL ADDRESS, is this correct?

Thank you, and what is your marital status? (single or married).

Are there any additional drivers we should include? (if yes get name, date of birth).

We understand people’s vehicles often change, so what vehicle do you currently insure? I just need the year, make and model.

Are there any additional vehicles? (if so need the year, make and model).

Are you currently a homeowner? (own/rent)

And who is your current car insurance company?

Thank you, and finally I have your date of birth listed as/what is your date of birth? (if not listed in contact info)

To make sure we can save you the most money we will have a local insurance agent contact you so that you receive the best rate and coverage possible. Thank you for your time and have a great day.”

Side Note: This script works great with a web-based lead form, you can quickly create a form that follows this format in Google Docs and will deliver results to an online spreadsheet that updates in real time.

[ad_2]

How to Save Money – The 60-40 Rule

[ad_1]

I have been living on the 60/40 budgeting rule for more than three years now. I had read on this subject in a magazine article and in a conversation with a colleague, I found out a simple system in which my colleague has been using for years.

The Rule (60%)

The 60/40 rule simply says that 60% of your gross income should go to Committed or Fixed expenses. These expenses are your Overhead expenses, meaning the basic things you need to pay to survive. They include:

• Basic food and clothing needs.

• Rent or Mortgage

• Utilities (electricity, water, internet, cable subscription etc.)

• Insurance premiums.

• Charitable contributions.

• Taxes.

It looks simple enough but in my experience putting all committed expenses into 60% of my income was a tough thing to do. But don’t give up as it is very possible to achieve this.

The Rule (40%)

The other half of the equation is the 40% which is divided into four 10% categories.

• Retirement: Money set aside into your IRA or 401(k) plans.

• Long-term savings: Money set aside for car purchases, major home repairs, or to pay down debts such as credit cards, mortgages, etc.

• Irregular expenses: Vacations, car repairs, new appliances, etc.

• Fun money: The great part! Do anything you want with this money! Just be sure that this category applies to your whole family such as dining out, a day in the mall shopping, your hobbies etc. But also remember that having fun with your friends, children and family does not have to be costly!

What to Ask Yourself

• Are you renting a place or have a mortgage that you cannot afford? Is it worth it move to a smaller place or farther place to save up? How much money will you save if you do so?

• Are your car payments too high? How is the fuel consumption of your car?

• Do you have too many paid subscriptions that you don’t really use? (Satellite TV, club memberships etc.)

• What is your lifestyle like? How much do you spend in a week, eating out, going on trips etc?

• Do you wear designer clothes? Where do you shop?

• Can you afford to get your coffee or lunch at a cheaper place?

[ad_2]

Asset Backed Securities Credit IO’s – Don’t Be A Slave To Your Data

[ad_1]

In this article I am going to address a common complaint that we’ve seen ABS investors have: that when they’re putting together systems, too much automation creates a “black box” which then doesn’t permit the user to adjust the data in the manner in which they see fit.

Let’s face it, traders are on the front lines evaluating complex securities such as ABS bonds and the more you can permit users to take the data and create useful models that don’t “lock them into a particular view” of what’s being traded, the better it will be. Most often, traders build their own spreadsheets and, in general, do a great job. However, the lack of ability to dynamically communicate with a database of securities information can cause a great deal of trouble in the ABS market, if only when the next month’s data set comes out from trustees and they find themselves scrambling to manually update their spreadsheets.

Additionally, IT departments blanche at the thought of those overly flexible, manipulable spreadsheets that defy “systemization”. In this article we will discuss a specific example and how to satisfy the needs of both areas: IT and the Trading Desk.

Let’s take up the subject of “Credit IO’s”.

Definition: A Credit IO is an ABS bond which is sufficiently far down in the Capital Structure of an ABS deal that, based on the level of collateral defaults and loss severities that the market is currently experiencing, cause an investor to NOT expect any payment of principal.

Assumption: the bond’s principal WILL be written down to zero at some point. The investor expects NOT to get any principal back. However, until that point, the bond can earn interest cash flows therefore it’s an “Interest Only” bond.

Key Factor: Loss timing. Between now and precisely WHEN the bond is fully written down, the bond will be earning interest. Those monthly cash flows are worth something. The faster the bond will be written down, the less interest cash will be received. The longer the bond exists, the longer the bond will receive cash flows. The trick is to figure out when the losses will hit the bond. The timing of the losses will therefore have a dramatic effect on the price that an investor should be willing to pay for the bond. Less time until the fully-written down point = lower price.

So let’s take a look at some of the elements relating to the data side of this. Here are some of the relevant points:

1. Delinquencies

2. Foreclosure and REO timelines

3. Loss Severities to be used in determining how much of each loan will be lost due to defaults.

4. Credit Enhancements levels – primarily overcollateralization (OC) and each tranche’s current level of credit support (how much of the capital structure is supporting the particular tranche(s) we are evaluating).

On a Bloomberg you can bring up a simplistic method of evaluating this by typing an ABS cusip followed by the Mortgage key (F3) and then typing “MTCS” . This gives you the ability to take the deal’s current level of 60 day and 90 day delinquencies and apply a particular percentage of each that you expect to go through to default. The amounts of loans in Foreclosure (FC) and Real Estate Owned (REO) are assumed to be 100% in default. So we have as an example:

Table % % that will default default amt

% of Deal 60+ Day Delinq 8% 60% 4.8%

% of Deal 90+ Day Delinq 5% 70% 3.5%

% of Deal in FC 3.5% 100% 3.5%

% of Deal in REO 2.5% 100% 2.5%

For a total of 14.3% that we expect to end up in full default and thereby experience a loss.

Sum those figures up (14.3%) and multiply by a single loss severity input and you will have the approx amount of the deal that you will experience as a loss. Let’s say we use 50% Loss Severity. That will give us 7.15% of the outstanding collateral balance in the deal that we expect to impact the deal’s capital structure in the form of losses. Compare that amount versus the particular bond’s credit support that you’re evaluating and if you have a ratio (called the “Coverage Ratio” on Bloomberg), that is less than 1.00, then that bond is likely to disappear completely because there is simply not enough support for the bond to survive. Anyone with access to a Bloomberg can do the above. The above doesn’t actually try to predict WHEN the losses will occur – only that they are expected to occur at some point in the future. It also does not let you consider future loans that are current on their mortgage payments or are 30 days delinquent that will come down the “pipeline” into the more severely delinquent states and finally into realized losses. It also doesn’t try to tell you what it all means in terms of a “price” that you might be willing to pay for the bond.

So let’s kick this up a notch.

Loan-Level Delinquency information

First of all, let’s assume that we have access to loan-level information and that we know, not only the current delinquency status of each loan but exactly when the loan entered that status. Intex provides good loan level data for deals from about 2006 and onwards. Loan Performance provides loan-level information for all deals – loan level information is generally what Loan Performance is known for (but they don’t have very good data about the capital structures nor can they do really good cash flows on the bonds as Intex does). The point is that loan-level delinquency information is available.

So let’s retrieve all the loans from a particular deal into a spreadsheet from our database of loan-level information. Ideally, this should be automated from within the spreadsheet so we can always refresh the data whenever we need to ensure that it is representative of the most current data in our database.

We now have our hands on which loans are in which delinquency condition. Now, if we simplistically project out maximum timelines that all the loans will experience in FC and REO before they hit their loss point, we can derive a table of months going forward and WHEN those losses will be experienced.

For example, we can state the following:

A. Let’s say that a loan has been in FC for two months already: Let’s permit 6 months for the total “normal” amount of time that a loan is going to be in FC so that there are expected to be 4 months more of FC time for this particular loan. Then permit 6 months more for the full REO process. This means that month 10 is WHEN we expect the loss to hit.

B. Let’s say that a loan is currently in REO and has been so for 4 months. Permitting 6 months of complete REO time suggests that we have 2 more months to go. So 2 months from now is when we think we will realize a loss on this loan.

C. Let’s say that a loan has just become 90 days delinquent for the first time. They’re probably going to be in FC real soon, but maybe we feel that we should allow an additional month of being 90 days delinq. So we would have 1 more month of 90 days delinquency. A full 6 months of FC and 6 months of REO so that we expect the loss to hit in month 13.

We can continue to do the above for 60 days delinq loans and 30 day delinq loans. And possibly take some current loans based on the idea that some of these will also hit the skids.

Let’s assume an overall “Loss Severity” of 60%. According to some market participants 60% is getting more and more real. This means that, given a loan amount of $100,000 you are expecting to lose $60,000. Apply the loss severity input to each of the loan balances and sum those loss amounts up into each of the months you have projected into the future.

The result is that you end up with a table of months into the future within which losses can be summed up – month by month. At that point we have a relatively simplistic table giving us WHEN we expect the losses to hit. These losses will be applied to the bond’s outstanding balance and will eventually “amortize” the bond’s principal, via write-downs, down to zero. At each month, you calculate what amount of interest the bond should receive. Then we apply the loss amount for that month and decrease the bond’s outstanding principal balance so that in the next month there will, of course, be less interest earned. We keep doing this until the bond’s balance has been written down to zero, at which point you’re not earning any more interest on the bond. At that point, the bond has disappeared. Then sum up the interest payments that you received during the time when the bond was still “alive” and you have the amount of cash you’re going to receive on this bond. Divide that by the principal currently outstanding on the bond and you have the price that might be indicative of what you would be willing to pay. Notice that this last sentence is disregarding the time value of money. It can be an enhancement to “present value” (PV) those interest cash flows and then sum up the PV-ed cash flows to get a more accurate price.

It should be noted that if there is any “OC” remaining at the bottom of the capital structure in the deal, you have to allocate the loss amounts to the OC first before they start to impact the bond you’re evaluating. Likewise if there are any bonds BELOW the one you’re evaluating, because of the fact that losses are allocated from the bottom of the capital structure upwards, then each of those bonds below your bond each have to be written down to zero before the loss amounts start to impact your particular bond. The point being that your spreadsheet application must retrieve all of the bonds and any OC BELOW your bond and apply the loss amounts to EACH of their principal outstanding amounts BEFORE the losses start to impact your particular bond. Of course, this means that ALL of the bonds below the one you’re evaluating are also, each one, a “Credit IO” bond.

A few other observations

I want to emphasize that decreasing the FC and REO timelines in the model will have the impact of decreasing the amount of time that the bonds will survive thereby decreasing the length of time that the bonds will earn interest resulting in a lower price that one would be willing to pay for the bond. Obviously, if you’re buying you want to pay as low as possible so underestimating time lines will help you. If you’re selling, you’ll probably want to consider that the time lines are longer so that you can sell it for a higher price. These are the normal competitive sort of interests in the market place.

The above represents a simplistic model but one which gives a much greater degree of flexibility than the Bloomberg MTCS function. Done correctly, it also permits the user to adjust the time lines and severities to ones which they feel comfortable with when evaluating “Credit IO’s”.

Also, by keeping all of the above factors in mind, the user/trader can still perform the analysis in the way that they see fits best for the environment they’re in. They’re not “locked” into a “black box” which they can’t see inside of. There are, of course, much more extensive features that can be built into such a model which are not within the scope of this article.

[ad_2]

What Is Inside A Lifeguard Fanny Pack?

[ad_1]

They are usually red and waterproof. You may have seen them on many lifeguards, but have you ever wondered: what’s exactly inside a lifeguard fanny pack?

Lifeguards have a big responsibility on their hands. They must be ready to intervene at any time: their alertness, and the equipment they carry with them, is actively saving lives!

While on duty, a lifeguard will most frequently use his whistle. The whistle that a lifeguard carries on a lanyard around his neck must be waterproof, and loud enough to be heard above the pool noise.

He will always have with him a rescue tube or a rescue board, and a first aid kit. It is the first aid kit that is the content of a lifeguard fanny pack!

The contents of a lifeguard fanny pack focus on emergencies that require his immediate attention. A lifeguard fanny pack will typically contain an adult and pediatric Cardiopulmonary Resuscitation (CPR) breathing mask, sterile pads, an absorbent compress (roller gauze) or triangular bandage, gloves, and antiseptic wipes.

These items will provide a lifeguard with all that he needs for initial care of an unresponsive victim, until other lifeguards bring larger first aid kit and other equipment to the scene. If necessary, a lifeguard fanny pack can go into the water with him.

Whenever a lifeguard administers first aid, he will wear gloves from his first aid kit. He will apply a body isolation substance on the victim, and use the antiseptic wipes for local disinfection.

When administering mouth-to-mouth resuscitation, a lifeguard will place a CPR mask over the victim’s nose and mouth. Antiseptic wipes from his first aid kit can be used to sterilize the mask.

There should be enough gauze in the fanny pack for a lifeguard to control the bleeding or other trauma, until other lifeguards get more supplies or the 911 arrives. Triangle bandages can be used to create slings and splints in case of a bone breakage.

CPR masks are usually packed in white triangular cases, so they can be fitted inside the fanny pack. Sterile items such as adhesive bandages, gauze pads, or roller gauze, must be sealed in waterproof protection. If possible, they should not be taken into the water at all. They are of no use to the victim while still in the water, and they could be accidentally contaminated.

The job of a lifeguard is to keep everyone safe. A lifeguard fanny pack is the best way to have with him at all times all the necessities he needs to do just that.

[ad_2]

How to Gain Muscle Mass

[ad_1]

One of the key secrets of gaining muscles is by ensuring that you get stronger. By becoming stronger it will be possible to lift more weight and thus increase the amount of muscles. This is particularly the case if you happen to be a natural and drug-free lifter. When you get more muscles, you will be in a position to achieve more muscles.

When you get into any gym, you will come across lots of guys who are doing the body-part routines. These usually train 5 to 6 times in a week, each muscle in a day. They also try to use at least 10 isolation exercises for every workout to ensure that the muscles are hit from each angles. Most guys think that the reason why they build muscles is because of engaging in body part split routines. This misconception is as a result of what they read in the muscle magazines. Others do it because that’s how they saw a dude in the gym training and therefore expect to get similar results when they use the same method.

However, it is important to realize that you will never build muscles using split routines. And even if you do, it is just because you are genetically blessed. There are some dudes who were muscular and ripped before they could even touch any weight. Another reason why some guys will get ripped without struggle even when using split routines is that they use steroid drugs. There are many lifters who use drugs but only a few of them are usually very honest about the use.

A common mistake that most guys do is to have the wrong priorities. They do not have enough mass that they can work with. In the same breath, it is possible for split routines to work if you haven’t taken the time to build their muscle mass. And this will require you to begin by getting strong. As a lifter who is not using drugs and you have some lousy genetics, you will be left with no option that to lift more weight. You will have to lift more than what you were lifting a year ago or even one month ago. Failure to do this will mean that you aren’t building muscles. It will not matter how sore or pumped that you look.

It is possible to dumbbell using a ball that weighs 30lb in each of our hand until your face turns blue. However, another guy who is able to bench up to 250lb will have a chest that is bigger. The reason for this is simply because he is lifting heavy. In other words, the more the strength, the more the muscles that you will have. For other tips on how to build muscle mass fast, you should contact Muscle Prodigy.

[ad_2]

Should You Choose a Shih Tzu? Pros and Cons

[ad_1]

Shih Tzus can be a joy or a pain depending on your situation, and like any breed there are pros and cons. Here are a few things to consider:

Pro: They have the ideal temperament for singles or couples with older kids are people dogs – outgoing, confident and alert. While they may appear somewhat arrogant on sight, the breed usually possesses a sweet-natured temperament. can go from being the ultimate TV-watching couch potato companion to playful pet at the dangling of a toy or toss of a treat. These little guys seem to know they’re irresistible and enjoy being treated like royalty. But all the spoiling their owners lavish them with is returned a hundredfold with their fierce loyalty.

Con: They are not always good for babies or young children

Because are used to being the center of attention, they can get jealous of babies or young children who constantly need adult supervision. And an older Shih Tzu may snap if bothered by boisterous kids who are not respectful of its space. But some are more tolerant, and if pup and child are introduced properly at an early stage, they may get along swimmingly.

Pro: The breed requires minimal exercise

Unlike other action-loving breeds, are usually content with a short walk around the block or indoor play sessions. If you have a yard, letting your out for brief periods during the day will thrill him, but this breed is also well suited for apartment dwellers.

Con: High maintenance when it comes to grooming

The is a long-haired breed, and without regular brushing, it can become a matted, knotted mess. If you can’t commit to setting time out daily to comb your dog’s fur, you’ll have to make regular appointments with the local dog groomer for frequent trims to keep his coat short and clean. also require a weekly bath and nail clipping.

Pro: A storied history

If you want a piece of history ambling about your house, look no further than the. Based on the breed’s appearances in ancient Chinese paintings, it is thought that have been around since 624 AD and while the breed’s origin is a subject of much debate, they were known to be part of the Chinese court.

Con: A history of health problems

While generally healthy creatures, Shih Tzus are subject to a kidney disease called renal dysplasia. Also, because of their short faces, this breed has to be handled with more care than some other breeds – a Shih Tzu’s respiratory system is compromised by his short nose, so don’t smoke or use strong chemical cleaning products around him. Also, short-faced dogs have a high risk of heatstroke, so minimizing your dog’s outdoor activity during the summer is essential.

Pro: All the cool kids have

Because are awesome, they have been a staple in the American Kennel Club’s Top 10 Most Popular Breeds since 2004.

Con: All the cool kids have Shih Tzus

The burden of any popular breed is abuse by puppy millers and backyard breeders, who damage the gene pool by mass mis-breeding dogs for profit and not for the betterment of the breed.

So if you feel a Shitzu is for you, please start your search with a breeder referral from the AKC or a breed-specific club (in this case the American Shih Tzu Club) – these resources will steer you in the right direction. Never buy a puppy off the internet with a “buy it now” tab. Instant gratification is all good and well until you find your puppy is replete with health problems from poor breeding.

[ad_2]

Why Solar Panels May Affect Your Homeowners Insurance Rates

[ad_1]

Solar panels are that great invention that employs the sun’s powers to let Mother Nature’s energy save you on your electrical power bills. Installed on the top and sides of your roof, it is the sign of our times in up and coming home and commercial construction.

The product has significantly improved since its first introduction to homeowners and landlords. While in the past, not having a premium rooftop exposure to the south was said to hamper effectiveness, today you can still gain benefits without it. Additionally, there are instances when you can mount the panels onto your house by yourself.

Now, what about the insurance aspect of it all? How could solar panels change the premium quote you currently have in place on your property?

Follow these steps to determine the general liability risks you may be presented with.

A. Do research on the contractor.

Call numerous contractors and compare their work by contacting provided references. Try to speak with others who have had the work done on structures that are like your own. See if your area’s zoning requirements involve the acquisition of a permit or variance and when hiring your installer, make sure he will do the legwork for this.

Once you actually decide on the professional for the job, make sure he is experienced and fully licensed and insured. Also confirm that he is reliable enough to comply with the US government’s Energy Department’s guidelines.

You will be hiring your contractor based on his personal reputation for quality work. Ask him if he employs subcontractors and if they are also insured and protected by a commercial and workers comp plan. Prior to beginning work on your home, make sure your contractor understands the condition that your property is in so that if home damage does occur, he will be responsible to repair it.

B. Review the nature of any warranty.

Research the provided warranty. What is covered as far as workmanship and what is covered as far as the panels? Be aware that even if your solar panels are of the best quality, it will not help you if the installation is faulty.

C. Find out about any related price hikes to your homeowners insurance policy.

Speak to an experienced independent agent to uncover if your rates will increase and if you will be entitled to any discounts provided by the various companies. In determining this about coverage, your broker will analyze the nature of the solar panels you plan on installing. Is there great risk of damages from surrounding trees or blowing debris? What about the risk to lightning hits, fire, wind, hail, snow or rain storms? How about the risk of theft?

D. Investigate government energy tax credits and how you can reap the provided benefits.

[ad_2]