Which Home Upgrades Really Pay Off?

(NewsUSA) – Sponsored by GAF – If you don’t care about blowing tens of thousands of dollars on upgrades that add little or nothing to your house’s value, you might as well stop reading this and go Google "Pokemon Go" for updates on the latest weird mishaps to befall distracted players. But if you do care — and you’d especially better if you intend to ever sell — then Remodeling magazine’s annual Cost vs. Value Report for 2016 is must reading.Still there? Thought so.So let’s begin by acknowledging what’s perhaps the report’s biggest takeaway: All the academics and real-estate pros are right to "tout the value of projects that promote curb appeal." Read on to see why, and where else your money is or isn’t well spent.* Worth it: a new front door.You’re looking at returns on investment of 91.1 percent for a steel one and 82.3 percent for a more upscale (and expensive) fiberglass one. Of course, a fresh coat of paint on your existing door can help spiff things up too.* Not worth it: upscale bathroom remodeling.You may think everyone shares your dream of a huge bathroom with a whirlpool tub, heated towel bars, and stone countertops. Not so, warns Patsy O’Neill, a sales associate with Sotheby’s in Montclair, New Jersey: "You could spend $60,000 or so on it, and it still might not suit a buyer’s taste." Which helps explain why it has one of the worst returns on investment.* Worth it: fiberglass attic insulation.A huge win for greenies. The magazine finally agreed to add an energy-efficiency project, and it topped the list by recouping 116.9 percent of its cost.* Not worth it: composite deck addition.Another also-ran — and, no, Alaska didn’t skew the results. But be aware that sometimes even the seemingly coolest upgrades may simply be out of whack for a particular neighborhood. "You can turn your house into a palace, but the payoff will be small if it’s the only mansion on the block," Craig Webb, Remodeling’s editor-in-chief, tells Time.com.* Worth it: a new roof."Buyers pay a premium for one already in place," according to Credit.com. No kidding. A perennial Remodeling magazine A-lister, it’s the ultimate curb appeal enhancer when you consider that your roof is the first thing prospective buyers notice even before exiting their cars.And if yours looks like something out of "Twister"? "It’s a huge turn-off," says O’Neill, "and makes buyers predisposed to find even more things they don’t like." If your roof needs replacing, check out the Value Collection Lifetime Designer Shingles from GAF (gaf.com), North America’s largest roofing manufacturer, which have the look of luxury shingles at a very affordable price. And remember: Don’t be afraid to use a new roof as the "negotiating tool" with buyers that Credit.com says it is.Watch the video here.* Not worth it: an upscale master suite.Those same "taste" issues aside, returns of only about half your investment make this yet another expensive miss. 
Source: NewsUSA Business


Reverse Mortgages Can Be a Valuable Retirement Tool

Five words or less(NewsUSA) – This article is a paid advertisement. The content was provided by One Reverse Mortgage.
Today’s reverse mortgage has more uses than you may realize. In fact, many financial advisors are now recommending this loan to their older clients. Why?
A reverse mortgage allows you to access a portion of your home equity and use the funds to pay off your current mortgage.* Any remaining money can be used for anything. The program has a variety of products to meet specific goals.
The fixed rate loan allows you to receive a lump sum or monthly distributions. The purchase loan product allows you to purchase a home without a required monthly mortgage payment as long as you live there.* However, according to One Reverse Mortgage, a leading lender in the reverse mortgage industry since 2007, the most popular and beneficial loan option is the line of credit, which has the potential to grow in value over time.
It’s a fact that people today are living longer; and studies show that many are not financially prepared for retirement. According to an article from Time Magazine, one in three Americans does not have any money saved for retirement.**
The reverse mortgage line of credit addresses these concerns. It isn’t just for people who have an immediate need. It is even more beneficial as a retirement tool because the line of credit product can actually extend the life of your retirement savings and give you access to more money later. Another smart way to utilize it is to live off the proceeds to delay using other benefits to give them time to increase in value. The greatest feature of the reverse mortgage line of credit is that the available funds increase in value over time when left untouched. It can be a perfect safety net for future expenses – both planned and unexpected.
The mission of One Reverse Mortgage is to educate people about this program and how it can be best used in retirement. The experts at One Reverse Mortgage are licensed professionals and the company operates nationwide. It also has an A+ rating with the Better Business Bureau.
For more information, visit www.onereversemortgage.com
* Homeowner is still responsible for taxes, insurance and property maintenance.
**Kirkham, Elyssa. “1 in 3 Americans Has Saved $0 for Retirement.” Time Magazine. 14 March 2016. http://time.com/money/4258451/retirement-savings-survey
Equal Housing Lender. Listed in all 50 states. One Reverse Mortgage NMLS #2052
These materials are not from HUD or FHA and were not approved by HUD or a government agency.
Source: NewsUSA Business


Fitness Sauna Promotes Health and Profit for Small Businesses

Five words or less(NewsUSA) – Sponsored News – Fitness, dance, MMA studios, spas and gyms looking for the next big trend may start to heat things up with FitBomb’s new specialized fitness sauna. The Studio Fitbomb far infrared sauna from Hi-Q Fitness is available for literally hundreds of health and fitness centers after its successful debut placement in Cabana Spas.
“The addition of the Studio FitBomb far infrared sauna has already given us a huge boost in client interest,” says Cabana Spas owner Glen Harrod. “We had enough interest from paying customers that we may have nearly paid for the cost of the unit before it even arrived.”
The new patent-pending Studio FitBomb has many key features, including strategically-placed “D” rings throughout the interior of the sauna that allows three customers to exercise simultaneously.
Think Hot-Yoga, Pilates, and flexibility training for dance students or Martial Arts or anaerobic exercise with bands attached to “D” rings on the floor, the walls and the ceiling for building muscle in an infrared-heated, healthy tool that fits three at a time. “With three clients for every half-hour time slot, paying an average of $1 per minute, profits can build quickly,” according to FitBomb inventor and author of “Heat Shock,” David Floyd.
“If you just charge half that price, you generate as much as $700 for each 8-hour day in the Studio FitBomb,” says Floyd.
The benefits of the far infrared sauna include reducing the risk of injury by pre-heating your body, and improving the ability of muscles to flex, move and stretch, making it an ideal complement to any spa, gym or health and fitness facility. The heated system of the sauna is proven and even the FDA accepted it for its powerful relief of pain and muscle soreness while simultaneously detoxifying the body through sweat.
In addition, using a sauna such as the FitBomb can promote greater strength and fitness by encouraging the release of human growth hormones and a muscle-building (heat shock) protein.
The FitBomb infrared fitness saunas also feature a 36″-screen TV so participants can watch pre-recorded routines. You can watch and learn martial arts, dance, yoga, and almost any exercise routine you can imagine with our proprietary instruction videos, activated by FitBomb’s proprietary mobile application.
But the Studio FitBomb is designed for more than just fitness fanatics; the far infrared sauna complements a spa setting, where it may be used as part of a program to detoxify the skin and body, promote relaxation, and reduce stress. Every FitBomb is handicap-accessible, ADA-compliant so anyone, regardless of age, physical handicap or injury now has access to the FitBomb tools that help them achieve explosive health, fitness and therapy goals. Any business lacking the available size requirements (the Studio measures 7′ by 9′ wide) can achieve similar benefits using similar features in our smaller FitBomb varieties.
For more information about the Studio FitBomb, contact Hi-Q Fitness LLC at 888-589-7286. Or visit our FitBomb distributor website at luxsauna.com or contact sales@luxsauna.com.
Source: NewsUSA Business


Stem Cells, Biologics Could Be Answer to Next Generation Therapies

Five words or less(NewsUSA) – Sponsored News – Biotech stocks tend to have their ups and downs among the investment community. However, the biotech industry is enjoying a shot in the arm with news of biologics flooding the wires.
Biologics, say experts, are different from traditional drugs because they are manufactured in a living system, such as a microorganism or plant or animal cells, rather than with synthesized chemicals. And because of the strides made in this biotechnology specialty, it is attracting the attention of the pharma big boys.
All the major players are looking to capture their share of a market that IMS Health analysts estimate will rise to $390 billion by 2020. In short, if the analysts are right, biologics will command nearly one-third of all spending on drugs in the next few years. Couple this with a marketing plan to the public that underscores biologics as natural derivatives instead of man-made, and it’s easy to see why so much money is being poured into this area.
With patent expirations drawing near, and companies looking to get a leg up on their competition, big pharma will be looking to boutique firms in this space to get an edge on next-generation therapies.
Enter Endonovo Therapeutics (OTCQB: ENDV), a biotechnology company that is developing a bioelectronic approach to regenerative medicine through its premier platform, Cytotronics. While most biologics are formed using recombinant DNA technology, “Endonovo is falling back on its technology, which dates back to research at NASA seeking to develop stem cells and medical devices to treat potential injuries that astronauts might encounter during long term missions in outer space.” In this way, the company is using Time-Varying Electromagnetic Field (TVEMF) technology to increase the therapeutic properties of stem cells. This, says the company, is accomplished through stimulation of magnetically induced electrical field pathways of cells and tissues.
Endonovo CEO Alan Collier describes the technology as “effectively training cells to secrete therapeutic proteins.” The secreted proteins can include those commonly used in biologics, such as G-CSF (granulocyte-colony stimulating factor), GM-CSF (granulocyte-macrophage colony-stimulating factor), erythropoietin and interleukins that are used in angiogenesis, antigentargeting, promoting white blood cell growth to fight infections, and more.
Endonovo’s mission is two-fold: to validate the potential of injecting “enhanced” or “trained” stem cells, but also to deliver a cocktail of therapeutic proteins that could exert their influence over inflammation while promoting tissue healing.
For more information on the company and its work, please visit www.endonovo.com.
Source: NewsUSA Business


Adhd Kids – Helping Them With Homework Tasks Which Need Concentration

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possible carpetYou want o work with someone that’s honest and will never rip you off. Review смотреть тут lessons already identified. It’s a good idea to be successful in lessons have got already been learned during that drive home from school homework, or stuck in traffic on 260. Keeping material fresh in their minds will help tremendously at final exam time. Take into account your child’s learning style as competently. You can have your child tested if wish find out how your child learns best (auditory, tactile, or visual).

It sometimes can act as a simple a couple of self-reflection. Is the child noticeably like anyone? How do you learn most excellent? If your child is nearly as bad as you, with out they may have a similar learning style. Study. In case you have paid attention in class and have read the book, you learn the material, the to go over, so that you can succeed. Don’t be lazy, and go over it, especially prior to quizzes and tests.

Save your peg perego car seats material fresh in your head, because some professors also like to give pop quizzes. Yes, even going to school! Do your homework, online quizzes, and web-based tests, day time they are assigned. This will assist to keep up, along with some cases, stay ahead with all the work you have to do in your classes. When they are given you procrastinate, the more work piles up, and also it becomes overpowering. If your professor posts requirements to do ahead of time, anyone understand product well enough to ace the work, do this can.

This will leave time for enhancing work, and you’ll feel a sense accomplishment, and worry-free. Clear all personal potential distractions. It’s usually a classroom rule that there’re to be no cellphones or pagers on perhaps sight, with the some instances, laptops aren’t allowed will either. These rules are not here to bother. They are put in place, to get rid of paying attention and absorbing all you may. Absorption of material is particularly important for those coming in order to school following a long use of being accessible.

Therefore, don’t be texting or Facebooking while you’re supposed always be paying concentrate.


5 Ways to Raise Capital and Start a Business

Five words or less(NewsUSA) – Sponsored News – Raising capital to start a new business is not as easy as setting up a lemonade stand or selling Girl Scout cookies. A primary reason for the failure of start-ups is a lack of funding. There are plenty of great products and ideas that have never come close to making it to the public.
Without American entrepreneurship, and the drive to just go for it, we would not have Apple, Google, Facebook, Starbucks, or countless other companies that are a part of our everyday lives.
Here are five ways to generate capital for your business in today’s economy:
1. Friends and Family. A tried and true methodology, this has been a staple of start-up funding for hundreds of years. It is however, not without its risks, as a failed business could lead to strained relationships. or even the end of relationships.
2. SBA Express. The Small Business Association provides several avenues for borrowing money. SBA Express allows bank-qualified business owners to borrow up to $150,000 without filing the typical SBA loan application. Plus, owners will receive a loan decision within 36 hours.
3. Community banks. Community banks actually have the capacity to be flexible with lending terms whereas large corporate banks do not. Find local lenders by reaching out to the Independent Bankers Association of America, which has access to 5,000 community banks.
4. Crowdfunding. Crowdfunding networks like Kickstarter and Indiegogo have raised some serious cash from individual investors. If you have an innovative idea or project, develop a reasonable funding goal and timeline and see which investors support you and pledge funding. Remember, projects must meet their funding goals before the time runs out, or else no actual money is received. Also, be aware that a percentage of the money raised will be kept by the crowdfunding site as part of their fees.
5. DPOUSA. DPOUSA is an online financial platform providing client companies the opportunity to have 24 hours a day, 7 days a week, 365 days a year visibility of a direct public offering to a growing base of over 33,000 accredited investors and institutions representing over $500 billion in available capital. Unique to DPOUSA is the DPOUSA Special Council, a diverse cross-section of 50 professionals from various industries available to assist DPOUSA client companies. Visit www.DPOUSA.com for more information.
Whatever the state of the economy, there will be those willing to invest in new businesses. New businesses create jobs, and power growth. There are sources to help with capital. So, once you find the sources, be ready with a great plan to show what you are going to do with the capital, and how the investor will benefit.
Source: NewsUSA Business


Cutting the Corporate Cord: How the Desk Phone Is Meeting Its Demise

Five words or less(NewsUSA) – Sponsored News – It was bound to happen sooner or later: the desk phone, once an icon in any office, is now officially on its deathbed.
According to a recent survey by Dialpad, a San Francisco-based communications technology company, the trend of telecommuting and employees who would rather work anywhere but the office, is rendering the desk phone all but obsolete.
“Our survey reveals that while the slow and painful death of the desk phone has clearly begun, it cannot happen fast enough for many workers,” Craig Walker, CEO of Dialpad, told VoIP Monitoring in an interview earlier this summer. “The anywhere worker movement is now evident in every segment of every industry. This significant trend will only accelerate over the next few years.”
Should there be any question about the ensuing death of the desk phone, the results of the 1,000 respondents surveyed by Dialpad about their communications, found that:
* 80 percent of companies already rely on at least some remote workers.
* 67 percent say their employees are allowed to work from home.
“What we found out is the world today is your office,” Morgan Norman, Dialpad’s vice president of marketing, told ZDNet in an interview. “That approach,” he said, “is valid now in enterprise and small-to-mid-size businesses.”
For its part, the five-year-old firm has been grabbing the attention of large scale clients by offering a cloud-based platform for communicating. Among its product offerings are voice, video, instant messaging, text, and online meeting tools — free from any on-site servers or storage and without any need for hardwired phones.
“The simple vision of Dialpad was to help every business, midsize to enterprise, connect all their employees and help them work from anywhere,” Norman says.
In other words, added Vincent Paquet, Dialpad’s vice president of product and strategy, in an interview with ZD Net, Dialpad will be there to fill a company’s communication needs as the desk phone becomes obsolete.
In addition, the company also has 40 new enhancements to its two products: Dialpad, which offers voice, video and messaging services for in and out of network communications, and UberConference, an enterprise-grade HD audio conferencing system. Dialpad says it’s able to roll out several enhancements at once and quickly deliver new releases thanks to its reliance on the Google Cloud Platform and the WebRTC framework.
“In three years from now, there won’t be a desk phone anymore,” Paquet predicts.
For more information, please visit www.dialpad.com.
Source: NewsUSA Business


Are Millennials Getting a Bum Rap When It Comes to Money?

Five words or less(NewsUSA) – Sponsored News –
Maybe it’s time to stop portraying all millennials as a bunch of layabouts so used to being coddled that they can’t be trusted to handle their own money.

In fact, in a new TD Ameritrade survey of more than 1,000 Americans born between 1981 and 1997, 72 percent were already saving for retirement, 80 percent had a budget, and 51 percent had socked away an emergency fund. Now that’s being responsible.

See full-sized image here.
Source: NewsUSA Business


The Health Perks of Our National Parks

Five words or less(NewsUSA) – Sponsored News – Most Americans agree that spending time outdoors can enhance their physical and mental health. A recent online survey, conducted by Harris Poll on behalf of Humana among over 2,000 US adults, reveals that Americans believe spending time outdoors can reduce stress (75 percent), benefit mental well-being (74 percent) and lead to living a longer, healthier life (63 percent).
The benefits of spending time in nature include elevated mood and happiness, as well as improved cardiovascular health, but work and other obligations often get in the way. In fact, according to the Environmental Protection Agency, Americans will spen an average almost 93 percent of their lives in an indoor space.
Humana’s partnership with the National Park’s Centennial celebration encourages everyone to enjoy America’s national parks as a resource to help stay healthy and active, and increase their Nature Engagement Levels, or N.E.L.s. N.E.Ls are a way to assess how much time you spend outside. A fun National Geographic Quiz, sponsored by Humana, shows participants their level of engagement with nature: Are you overflowing with flowing streams or running low on lowlands?
Try these ideas to raise your N.E.L.s:
Start with a Sunrise: Watching the sunrise can be a beautiful, moving, and healthy way to start your day; benefits include balanced circadian rhythms, improved mood, and increased Vitamin D levels.
Bring Nature to Work: Enjoy the health benefits of the outdoors at work by placing a plant on your desk or setting a nature view as your desktop background. Host outdoor meetings, or “walk and talks,” around your building, and boost colleagues’ moods and focus, too.
Engage Your Mind: Get your mental exercise by visiting museums or monuments within the National Park System. Sites such as the Thomas Edison National Historical Park offer guided tours and interactive experiences to entertain and educate visitors.
Eat Outdoors: According to the Bureau of Labor Statistics, Americans spend an average of 8 hours and 13 minutes a week preparing and eating food. Move your meals outside to unplug and enjoy your food in a new environment.
Try growing some of your own food. Getting your hands in dirt connects you to nature. If space is tight, explore a community garden.
Take a Hike: Avid hikers report high levels of happiness, fulfillment, and connection with the world around them, and studies have shown that the color green increases motivation to engage in rigorous activity. So, if being outside on a spring day inspires you to hike, find a trail in a nearby state or national park!
Find more ways to get healthy at www.StartWithHealthy.com, and visit www.FindYourPark.com to locate parks near you.
Source: NewsUSA Entertainment


How to Bring Movie Magic Home for the Whole Family

Five words or less(NewsUSA) – Sponsored News – From 3-D technology to bold, bright visuals, animated movies continue to get better with time and this upcoming season is no exception. If you’re a fan of animated films starring a new collection of fun, colorful characters for the whole family, there are now more ways than ever to bring your next magical movie experience home after the final credits roll.
* Storybook Lane: If bedtime stories are a nightly ritual in your home, get the little ones involved by creating a storybook station in your living room. When you get home from the movie theater, channel your kids’ excitement over the movie into a creative and educational exercise. Developing homemade storybooks based on their favorite movie characters with added storylines that incorporate their own imagination is a great way to bring the magic of an animated movie home, while encouraging kids to think outside the box and practice writing and artistic skills. Type up and print out their dream story while they act as illustrator to their own personalized story for added fun.
* Mom Time: Animated movie fun isn’t just for kids anymore. If you’re looking for a new favorite online game to help liven up downtime, look no further than games inspired by some of your favorite animated movies. Online games such as “Sandwich Factory,” inspired by Warner Brother’s new movie, Storks, and the family-owned deli meat company, Land O’Frost, are a great way to have more fun with your favorite movies in the comfort of your own home. The game will transport you into an interactive sandwich factory with movie characters: Junior, who appears to “save babies,” and Tulip, who grabs the finished meal from the sandwich maker.
* Chef Corner: Get your kids involved in the kitchen by turning lunchtime into a movie experience. When excitement over a new movie is at its peak, encourage kids to put their chef’s hat on and come up with a custom menu inspired by their favorite characters. Once the menu is set, host a lunch for the whole families where the kids get to play king and queen of the kitchen and share their creation with mom and dad.
To play the “Sandwich Factory,” visit www.landofrost.com/storks-game, and for coupons and more information about Land O’ Frost, visit www.landofrost.com.
Source: NewsUSA Computers