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samantha brown039s advice on road trips

there039s something about the road trip that really speaks to many americans it gives them the freedom to travel the country039s highways and back roads to explore new places and familiar destinations it allows them to taste local food and experience local cultureon their own timeline and it039s a cost-conscious way to have a truly memorable vacationit039s only natural then that many people think road trips are the best way to travel a brand-new survey from aarp travel http:travelaarporg a valuable resource for america039s 76 million baby boomers who spend over 120 billion annually in leisure travel finds that more than 7 in 10 people 45-plus say that road trips are their favorite way to travelto view the multimedia news release go to http:wwwmultivucomplayersenglish7488431-aarp-travel
calphalon launches knifeskillscom

calphalon the leader in premium cookware and kitchenware today announced the launch of knifeskillscom a dynamic inspirational and instructional website featuring videos that showcase cutlery tips and best practices these videos highlight the key benefit of new calphalon self-sharpening cutlery - knives that automatically sharpen every time you use themknifeskillscom features five professional chefs demonstrating dynamic and superior cutting techniques using a variety of calphalon self-sharpening knives the 50 short videos educate and inspire home cooks and include a huge array of how-to content including - but not limited to - dicing mango mincing ginger butterflying pork tenderloin filleting salmon julienning celery root chopping papaya and even preparing squid three waysto view the multimedia news release go to http:wwwmultivucomplayersenglish7512431-calphalon-self-sharpening-cutlery
holiday car-buying tips with capital one

the final months of the year are often the best time for savvy shoppers to find lucrative car offers as dealerships clear old inventory however based on a recent survey conducted by capital one auto finance consumer concerns over the current car buying process including transparency time issues and overall confidence could keep them from bringing home a car for the holidays highlights from capital one039s survey followto view the multimedia release go to:https:wwwmultivucomplayersenglish8417051-capital-one-auto-navigator-holiday-deals
new dating sites in usa

http:bitlyqd8zu1 - top free dating site in market with free tips and tricks
weight loss tips and principles part 2

burn fat and gain muscle with- http:googlxhkjqfpart 2 of 5in this video series we analyze some effectivemethods for losing weight this series is to helpyou not only to burn fat but to lose weighteffectivelywebsite below:http:www3rdgatemarketcomfunctional
personal fitness trainer in lake mary fl and heathrow fl - darwin fitness personal training

http:wwwdarwin-fitnesscomquick-starthtml darwin fitness will coach your gradual and progressive evolution to long term fitness hire the best local certified trainer for an affordable price: check out the link above
online dating software for professionals pof matchcom jdate amp zoosk

automate your online dating never send another message or wink manually again filter your inbox amp morehttp:wwwonline-dating-automatorcom
5 quick tips on choosing the right tiles for your home

showing you 5 quick tips to remember when buying tiles for your bathroom and kitchencall mike if you want more advice on the type of tiles to useneed a trowbridge tiler call mike today 07718 384186 or visit his website for a free quote http:trowbridgebathroomandkitchentilercoukbackground music:quoton the beach at nightquot by pitx feat error404jerry_rosierhttp:ccmixterorgfilespitx30838is licensed under a creative commons license:http:creativecommonsorglicensesby-nc30
accountability coaching tips

in this videoaccountability coaching tipscoaching tips can help life coaches to effectively use the various tools in their coaching tool box one of the most important tools coaches have is the skill of accountability this is a very powerful tool when a life coach learns how to use it strategically accountability is a benefit for the client it039s not meant to be a micromanagement tool for the life coach many people don039t really understand the purpose of accountability and how to truly harness its great power to help a client revolutionize their life three coaching tipsputting these coaching tips to useto read the entire article go here:http:coachestrainingblogcombecomeacoachaccountability-coaching-tips17188
wellpoint offers seniors tips for bouncing back from hospitalization

indianapolis feb 10 2014 business wire -- imagine you039ve been in the hospital you039ve eagerly waited for the day you could go home when that day finally arrives you039re thrilled it039s a safe bet the last thing you want to do is to have to return to the hospital http:onmktwnet1dgmfvj
tips on how to save money on health insurance

more info:http:wwwwesthillinsuranceconsultingcomblogtips-save-money-health-insurance
preppers guide : the essential preppers guide box set the blokehead success series

this book will help you to prepare well for disaster preparedness needs adequate knowledge and understanding as well as careful planning and proper execution in order to be successful nobody wants to get all the hard work done only to find out that you got the wrong supplies or it wasnt enough to tide you and your family through the critical days this book will also show you how to best prepare without too much strain on your budget find out all these and more in this 2 in 1 box setgrab your free audiobook here:http:bitlypreppersguidesetmore audiobooks here:http:wwwnewaudiobooksclub
5 insurance buying mistakes to avoid

buying insurance can be confusing but when the unexpected happens -- a house fire a fender bender or a broken bone -- it039s a relief to know that some of those financial losses will be covered but how do you know how much coverage you need and what questions should you ask before buying a policy many consumers aren039t sure insurance coverage is far from one size fits all so here039s a look at mistakes some consumers make when buying insurance1 assuming insurance is out of reach the us census bureau reports that 48 million americans had no health insurance in 2012 and about 30 percent of us households have no life insurance according to limra a worldwide research and consulting organization for insurance and financial services in some cases consumers skip insurance because they think it039s out of their budget often that039s not the case according to marvin feldman president and ceo of the life foundation a nonprofit organization that educates consumers about financial planning and insurance the life foundation collaborated with limra on the 2013 insurance barometer study which found that the average consumer thinks life insurance is three times more expensive than it actually is quotconsumers are not researching it to determine what the cost isquot feldman sayswhen buying health insurance or property and casualty insurance ask about potential discounts quottwo-thirds of consumers don039t realize they can get financial help if they buy their own health insurance and they can get financial help if they go and buy in these health insurance marketplacesquot says lynn quincy senior policy analyst with consumers union a division of consumer reports quotyou may be way overpaying if you don039t investigate this possibilityquot while health insurance discounts are often income-based homeowners and auto insurers offer discounts for everything from being a member of groups like aarp to being a good student or a good driver to having a home security system2 relying on assumptions or outdated figures changing economic conditions mean you might need more insurance coverage than you had in the past take life insurance in the past consumers might have based their life insurance coverage on their current income but quotif something happens and you039re no longer around you need more capital at work to provide the same income to your beneficiariesquot feldman says disability and long-term care insurance are even more complicated than traditional life insurance quotfor disability do you want coverage that lasts forever are there health issues in your familyquot feldman asks quotthat039s where you need to speak to somebody to get some guidancequotin the case of homeowners insurance your home could be underinsured if you039ve renovated or if the cost to build a home has increased due to higher material costs or other factors that039s why experts recommend reviewing insurance coverage once a year to make sure it still fits your needs talk to your insurance agent if you039re unsure3 shopping on price alone comparing insurance policies can be confusing but resist the urge to simply choose the policy with the lowest premium consider the company039s reputation and the coverage you039d get for that premium quotas a general rule with health insurance the higher the premium the lower the amount you pay when you go to the doctorquot quincy says private health insurance plans must provide coverage examples showing what your estimated out-of-pocket costs would be for say having a baby or managing type 2 diabetes some examples might not apply to you but they can help you compare plans and see how much you might pay in coinsurance and copaysquotmake sure you039re shopping apples to apples and getting quotes based on the same coverage that you havequot says lori conarton a spokeswoman for the insurance institute of michigan your property and casualty insurance may not cover things like food spoilage in the event of a power outage or stolen electronics worth more than 1000 so you may want to purchase extra endorsements to cover those possibilities she addslink sourcehttp:damirpavla80booklikescompost7753905-insurance-buying-mistakes-to-avoidfor more informationhttp:westhillconsultinginfoabouthtmlhttp:westhillconsultinginfoblog
excel formulas -abs formula avoid errors in calculations

this function calculates the value of a number irrespective of whether it is positive or negativesyntax for this formula is =abscelladdress or number
real estate dorota dyman amp associates blog: tips to manage home buying stress

if you are considering buying a home in gilroy morgan hill or san martin this year there are steps you can take to make your experience more enjoyable be sure to reach out to trusted professionals whenever you have questionsestablish your budgetbefore setting out to make an offer on a home you need to know how much you can afford to spend each buyers situation is different and the financing method you use will depend on your circumstanceif you plan on paying cash you will need to show proof of funds with a statement of account from your financial institution another common method of finance in south county is using the proceeds of your existing home sale to purchase a replacement home sometimes referred to as a contingency if you will rely on a purchase assist loan you will need to be preapproved by a lender in addition to having proof of funds showing your deposit and closing moneys with the recent implementation of qualified mortgage qm rules some buyers are finding they need to reconfirm their borrowing statuskeeping your budget firmly in mind helps ensure your home perhaps your largest investment remains secure defining that perfect homeonce you understand your buying power its time to start looking for your home structures are human made and therefore imperfect but they can be perfect for you once you embrace them as your own youve likely created a minimum criteria of how much space you need but have you thought about what makes it special consider making a list of pros and pros both being positive as opposed to the pros and cons list you may have tried in the past jot down what you love about your current home as well as what youd love in your new home if you initially focus only on the positive aspects of a situation you may zero in on what you truly love the most those items should form the critical criteria to keep in mind when you view homesavoiding burn-outno doubt youve begun looking on the internet for homes perhaps youve also gone to some open houses selecting a local real estate agent to help you is an important step early in the process why you want to make sure your decision is based on accurate and current information for the area youre looking theres an incredible amount of information available both good and bad and its possible to get discouraged or form the wrong conclusionhow do you keep energized while shopping for your homecommunicate with your real estate agent ask questions and get details about how the market is progressing in the area and for the type of home you seekkeep your proof of funds documentation and lender preapproval if applicable current so you039re ready to make an offerthink positively there is always a housing market and it may take time to find the right fit for youmind your health get plenty of sleep and eat well to keep your strength uptake a few days off without looking take part in an activity that recharges you for the search aheadbe open to suggestions which may be slightly out of your initial selection criteria they may lead to a great resultonce you have found the ideal home your real estate agent will present your offer for consideration by the seller each step youve taken in preparation increases your opportunity for acceptanceoftentimes we find a home that will meet our needs but it takes vision to personalize it what is your vision for your perfect homeas always lets foresee the possibilities and get results