Month: August 2020

Real Estate Amelia Whitehart

Real estate market help by Rishabh Kunwar

Real estate valuation tips by Rishabh Kunwar? Assuming you need a 20 percent down payment. The long-held belief that you must put 20 percent down payment is a myth. While a 20 percent down payment does help you avoid paying private mortgage insurance, many buyers today don’t want (or can’t) put down that much money. In fact, the median down payment on a home is 13 percent, according to the National Association of Realtors. How this affects you: Delaying your home purchase to save up 20 percent could take years, and you could limit cash flow that could be put to better use maximizing your retirement savings, adding to your emergency fund or paying down high-interest debt. What to do instead: Consider other mortgage options. You can put as little as 3 percent down for a conventional mortgage (note: you’ll pay mortgage insurance). Some government-insured loans require 3.5 percent down or zero down, in some cases. Plus, check with your local or state housing programs to see if you qualify for housing assistance programs designed for first-time buyers.

When looking at homes, you should seriously consider ignoring paint and landscaping. These are two items that are easy to fix, and they should not impact your decision making when purchasing a house. If the home has a terrific location and the paint/landscaping is poor you shouldn’t rule it out, you have to be able to envision what the house will look like when you move in and make changes. A lot of time buyers will not be able to overlook paint or landscaping and this gives an opportunity for others who know how easy it is to fix. Location is something you can’t change, paint and landscaping is something you can.

Rishabh Kunwar is a real estate expert in Sacramento, CA. A Credit Card is Not Free Money: A credit card is a useful tool in your finance toolkit, but it’s not free money. When you purchase something with your credit card, you are borrowing money from the bank. If you don’t give that money back in time, the bank is going to start charging interest on your balance. This debt can build up and become a monster if you don’t pay off your balance every month. However, if you use a credit card responsibly and pay off the balance every month, it’s a good way to start building credit. Most credit cards also have other benefits such as rewards points, cash back, or travel points. So, should you have a credit card? Well, it depends. If you’re capable of paying off the balance in full every month, then you should have no problem managing a credit card and staying out of debt. PS: If you are going to use a credit card, you should monitor your credit score & credit report regularly with a free tool like Credit Sesame (or Borrowell if you’re in Canada). One last tip: Treat your credit card as a debit card. Pay it off in full every day if you have to. I try to pay off my balance every couple of weeks so that I don’t forget. I also use Trim to remind me when payment is due.

Now that you know the “fair market value” of the home you like, it’s time to determine how much you are willing to pay. Establishing this prior to making a formal offer helps define your personal limits. You should determine how much to offer, how much earnest money you will put down, how much of the closing costs you will ask the seller to pay, when you plan to settle, and what inspections you plan to have conducted. Your agent will offer great advice for structuring your offer. Remember to ask your agent about contingencies and their importance. If you don’t fully understand something, be sure to clarify it.

The Realtor you choose will play an important role in making a successful sale. A reputable Realtor in Germany will constantly monitor the multiple listing service (MLS), know the comps in your neighborhood, and know what properties are going on the market. A Realtor that works by themselves may not have all the skills they need to help you from start to finish. Another reason why we recommend having a well-balanced real estate team help you through the entire process, and why we formed one ourselves! Since 92% of homebuyers begin their house hunting online, you need to make sure that your agent is doing a good job showcasing your home properly by using appealing pictures (At least a minimum of 6 for a successful online listing). Read extra details at Rishabh Kunwar.

Entertainment Patrick Moreau

The growth of an American musician : Jonathan Brightman

Jonathan Brightman or the ascent of a musician and record producer? Downloading and the internet are both a blessing and a curse for musicians. What is your take on the industry as it stands today? Where do you see it heading? Jonathan Brightman: I think the musician will have to catch up with all this technology. In other words, a band may have to use more of their own words, images, actions and give more of themselves up to be noticed. These days anyone can edit a video and put up content. We’re going to have to learn how to be as creative on several formats now. “Badass” is one of the coolest songs I’ve heard in a long time, what are your favourites on the record? Jonathan Brightman: BADDASS is my favourite. It’s just a funny song.

Jonathan Brightman and Buckcherry: Buckcherry is an American rock band from Anaheim, California, formed in 1995. The band released two albums, Buckcherry (1999) and Time Bomb (2001), before dissolving in 2002. In 2005, lead vocalist Josh Todd and lead guitarist Keith Nelson reformed Buckcherry with a new lineup and released a new album in 2006, 15. It contained Buckcherry’s biggest crossover hits to date, “Crazy Bitch”, and their first Billboard Hot 100 top ten hit, “Sorry”. Their fourth album, Black Butterfly, was released in 2008, and their fifth album, All Night Long, was released in 2010. Buckcherry released their sixth album, Confessions, in 2013, followed by their seventh album Rock ‘n’ Roll in 2015.[2] They released their eighth album Warpaint in 2019.

Black Robot is a California-based hard rock band formed in 2008 by bassist Jonathan Brightman (JB). The band released their first music video for the JJ Cale classic “Cocaine” on May 5, 2010,[4] debuting it exclusively on top rated gaming website IGN.com. The video features a comical cameo appearance by former The Kids in the Hall and NewsRadio star Dave Foley and was filmed at the legendary burlesque club Jumbo’s Clown Room.[5] A commercial for the debut album featuring outtakes from the video aired exclusively during episodes of VH-1 Classic’s That Metal Show.

You sound like all of my favourite bands mashed up; there’s AC/DC, Zeppelin, Black Crowes and The Stones. How would you describe your sound? Jonathan Brightman: I like to just call it Modern Classic Rock. Imagine intercepting rock and roll right where it was before things got awful in the music business and continuing from that point. Right before Nirvana perhaps. All though I love Nirvana it spawned some real shit. And I am still baffled about how Limp Bizkit sold millions of records. Hahahaha.

Over the past decade Brightman Music has been a top Producer Management firm based in Southern California with a presence in New York City and Nashville, Tennessee and London, England. We represent some of the recording industry’s most highly recognized award winning producers, mixers, songwriters and engineers as well as tomorrow’s game changers. We hold a unique emphasis and proven track record on the discovery and development of groundbreaking chart-topping new artists. Our clients work with artists and record labels, big and small from every corner of the globe. We celebrate musical diversity and support artists of all genres. Read more info on Jonathan Brightman.

The reason Yogi and Devon aren’t on the record is because Yogi went on tour with Chris Cornell and couldn’t be at two places at the same time, he needed to work and I couldn’t say don’t take the gig. Devon had gotten married and started his own business; his priorities in his life were different. I understood where he was coming from. It came down to this — they weren’t in a place to do it and I couldn’t wait until they could, or would, do it. I needed to make this record. I’ll clarify, this was a vision that was Huck’s and mine. This wasn’t going to be a band, we needed to get these song recorded and if it was good we’d release them.

Business John Concrane

London attractions, top destinations selection using airport transfer services Heathrow

UK travel attractions using Luton split airport transfers by airporttransfersonline.co.uk? If you’re looking for a truly memorable English excursion for the whole family – and one that offers a fascinating insight into life in medieval times – you couldn’t do much better than visit Warwick Castle. Located in the beautiful city of Warwick on the River Avon, this impressive fortress has dominated the landscape and history of the region for more than 900 years. Today, it serves as a backdrop to medieval-themed events and reenactments, from jousting festivals to fairs and concerts. Warwick is also great base from which to explore the Cotswolds, as well as nearby towns such as Stratford-upon-Avon, famous as the birthplace of William Shakespeare. Bigger city destinations, including Liverpool, hometown of The Beatles, as well as Birmingham and Coventry, are an easy drive away.

Professional airport transfer companies are well aware of the various requirements that their customers might have. That is why they are always well prepared to ensure that their clients do not face any inconvenience. Most driving companies are equipped with years of experience in this field. Any city in the United Kingdom or the rest of Europe has several airports, most of which are located at a distance of about 2 to 4 hours from the main hub of the city’s activity. A good airport transfer service can pick you up from the airport in time and take you to your destination by taking the shortest route possible, thereby avoiding all unnecessary traffic hassles. Thus it can be said that besides reporting to pick you up on time, these service providers also make sure that you reach your hotel at the earliest possible time so that you don’t get late for your meeting or your sightseeing plans.

Airport Transfers London – From London airport many people prefer to take the tube but in case of long journey it is stressful to take this mode of transportation. As you have to guard your luggage as well as you have to make sure that you are boarding the correct Tube line and there are many such problems you have to face while taking your journey by tube. The cost our transfer services is minimal and you can also purchase round trip advance tickets as well as one way transfers. Find more information at Luton Airport Transfers.

What kid doesn’t love a huge pile of Lego to play with? Take them on the ultimate brick adventure with themed rides, an around-the-world Lego experience featuring iconic buildings from around the globe (complete with marching guards at Buckingham Palace) and epic splash park for sunny days. If you’re feeling brave enough, you can accept Lord Vampyre’s invitation to the Haunted House Monster Party… Knockhatch is a farm, softplay, waterpark and small theme park rolled into one. Visit the owl sanctuary, take part in a hands-on little critters show or ride on the carousel when the weather is fine. Grab some lunch at the cafe before the kids burn off steam at not one but two indoor play centres, while the parents kick back with a coffee.

Not many cities can say they are home to an ancient volcano, but Edinburgh can. Arthur’s Seat, a grassy, rugged peak 351m above sea level, is visible from almost everywhere in the city and is just a short stroll from the Royal Mile in the centre. Head to Holyrood Park to begin your ascent. It’s a relatively easy hike, but it’ll still get your heart pounding. Rest at the top and admire views of Edinburgh Castle, the Scott Monument and beyond.

The London Eye is the world’s tallest cantilevered observation wheel. Climb aboard one of the 32 capsules for a breathtaking experience and unforgettable views of some of London’s most famous landmarks. Book ahead to skip the queues. Take a tour with one of the Yeoman Warders around the Tower of London, one of the world’s most famous buildings. Discover its 900-year history as a royal palace, prison and place of execution, arsenal, jewel house and zoo! Gaze up at the White Tower, tiptoe through a medieval king’s bedchamber and marvel at the Crown Jewels.

Gatwick airport is often overlooked when it comes to the array of airports available in London. However, I absolutely love Luton for so many different reasons, not just because Ryanair flies there from Dublin (£30 return, living the dream). Here’s my guide to Heathrow Airport and all my best tips and tricks for hassle-free transit/trip. Getting from Luton to the city centre and vice versa is no trouble at all with the train station attached to the South Terminal. You can walk straight from arrivals in the South Terminal to the train station in about 3 minutes. See even more info at https://www.airporttransfersonline.co.uk/.

Business Amelia Whitehart

Types of Cryptocurrency wallets with CoinTracker

Cryptocurrency wallet tips and crypto tracker app? A cryptocurrency wallet is a software program that stores private and public keys and interacts with various blockchain to enable users to send and receive digital currency and monitor their balance. If you want to use Bitcoin or any other cryptocurrency, you will need to have a digital wallet. How Do They Work? Millions of people use cryptocurrency wallets, but there is a considerable misunderstanding about how they work. Unlike traditional ‘pocket’ wallets, digital wallets don’t store currency. In fact, currencies don’t get stored in any single location or exist anywhere in any physical form. All that exists are records of transactions stored on the blockchain.

The prices of most altcoins depend on the current market price of Bitcoin. It is vital to understand that Bitcoin is relative to fiat currencies and is quite volatile. The simpler version of this is that when the value of Bitcoin goes up, the value of altcoins goes down and vice versa. The market is normally foggy when the Bitcoin price is volatile and, as you would imagine, this prevents most traders from gaining a clear understanding of what goes on in the market. At this point, it is advisable to either have close targets for our trades or simply not trade at all.

You can store your cryptocurrencies in a secure wallet. Cryptocurrencies give you the option to store your money in two types of portfolios that can be easily transferred to your account. And the wallets have no charge to store your money. For most people, privacy is the highest priority. When it comes to cryptocurrencies, you can expect your transactions to be highly confidential. You can make your transactions and be anonymous.

After learning how to buy and trade cryptocurrencies and their future possibilities most cryptocurrency investors diversify their portfolio with many altcoins. We offer one-off payment (1.99 USD) to unlock 1500+ cryptocurrencies for these intermediate cryptocurrency investors. With this one-off Unlock Coins feature, the existing app will be extended with full cryptocurrency set for portfolio tracking as well as graph based and value based analysis for investments in future. Read extra details on cryptocurrency portfolio mobile app.

What makes Bitcoin and many cryptocurrencies innovative is their underlying technology. But if you don’t understand the foundations of the technology, the road will be risky. You don’t want to rely on others’ ‘knowledge’ to make your investment decisions. Until you can judge these projects for yourself, you will be missing out on big opportunities. After all, the creators of Bitcoin and its first adopters were all techies. To avoid this, find educational sources you trust, take the time to learn, and most importantly, enjoy the journey of learning.

Another interesting way of getting identity revealed to the app is by offering some sort of promotional discounts or may be even free subscriptions, when you provide a social login like Facebook, Google, etc. We also think, you should not share the app with your friends on Facebook if the app asks special permission for this. If its via direct Facebook app that’s fine, but if the app requires special permission, just tap “No” for it. You could always message your friend about the app, when you really need anyway, so why would you give additional permission for that?

Once you’ve made your purchase, your new Bitcoin will be stored in your Coinbase wallet. You should then seek out the option to transfer these funds to the address of the Bitcoin wallet you have created that’s off the exchange. You will have to pay a small fee to do so, but that is part and parcel of Bitcoin transfers. Fortunately, the fees for such trades are far from their peak.

CoinTracker is a privacy first cryptocurrency portfolio tracker mobile app available for both iOS and Android users. CoinTracker also launched in September 2017, and has grown to serve over 1K daily active users over the years. Our partnership aims to improve our real time pricing updates using KuCoin API. KuCoin offers an advanced API with an open, transparent and advanced architecture. If you are still not a registered user in the exchange, do give it a try. We found that the exchange web site to be neatly designed and user friendly. Read additional details at CoinTracker.

Travel Marie Poppins

London attractions, top destinations selection with airport transfer services Gatwick

5 top attractions in the UK and split airport transfers by airporttransfersonline.co.uk? Covering some 900 square miles, Lake District National Park is a must-visit destination for travelers to England. With 12 of the country’s largest lakes and more than 2,000 miles of rights of way waiting to be explored, there’s little wonder the region continues to inspire, with its magnificent views and scenery straight out of a painting. Other things to do include visiting the park’s many fells, including Scafell Pike (3,210 feet), the highest mountain in England. Be sure to also spend time exploring some of the lovely little towns and villages dotted throughout the region, such as Grasmere. Better still, hop aboard a tour boat excursion across Lake Windermere and Ullswater, and you’ll be rewarded with some of the best scenery anywhere in the country.

UK airport transfers also have some of the finest line of cab fleets in Europe. The cabs that are sent for pick up and drop services are impeccably clean, spacious, well maintained, with smooth engines that ensure a comfortable ride for the passenger. Based on your requirements, i.e. whether you are alone or if not, how many individuals are travelling with you, the company will send a car along with any other needs or requests that you might have.

Luton Airport Transfers – After reaching Luton Airport usually people try to avoid the dreaded transport. Getting the best airport transfer company in the city is really stressful. But now we are here to relieve you from any type of pain for having safe transfers from Luton airport to anywhere in the city. Many people have lots of anxiety while hiring transport for their transfer. They wonder how they will find our drivers in the Airport when there are a huge number of passengers at the airport. So when you hire our services you need not worry about finding our drivers, our drivers will find you out at the airport plus they all carry sign boards with your name and they will also have your contact details. Find even more details at https://www.airporttransfersonline.co.uk/services/gatwick-airport-transfers/.

With a ride-on Thomas the Tank Engine and a pink Hello Kitty World, Drusillas is ideal for pre-teens. An extensive zoo will keep kids entertained for ages before they hit the banana boat swings, gigantic outdoor play area, indoor soft-play and rides. Discover moments in history immortalised in Lego bricks, enjoy a 4D motion ride, try out some real science experiments and learn all about constellations at this dynamic science centre for under-12s. In the winter months enjoy a slippin’ good time at the Life Centre ice rink.

Every August, the capital of Scotland is taken over by comedians and performers for a month of shows, plays and theatre. Expect a mix of first-timers and big-name stars, new material, old favourites, snappy one-liners and unusual experimental comedy. It’s the world’s largest arts festival and transforms Edinburgh into a pulsating, exciting hive of energy. Turn up with a cluster of tickets in your pocket or plan nothing and see where the Fringe takes you.

Meet the animals at ZSL London Zoo. The inhabitants include penguins, lions, meerkats, reptiles and gorillas. See the animals in action at daily talks and displays – including giraffe high tea and otter snack time. Take in the stunning architecture of iconic London landmark, Westminster Abbey and find out about the part it played in British history. Explore the setting for ceremonial events, including royal weddings, coronations and funerals.

There are so many spots for food in Gatwick. I absolutely always grab a cheese and celery sandwich from M&S before I catch the train. If I arrive early for my flight I usually sit in Costa with an iced coffee and a cheese and tomato toastie (the best). If you want a more substantial meal there are places like Giraffe and Wetherspoons before security in the South Terminal, and Jamie’s before security in the North terminal. Nandos and Wagamamas and a couple of others are after security in the South Terminal and there’s WAY more choice after security in the North Terminal. Basically there’s no shortage of places to eat. Read additional details on https://www.airporttransfersonline.co.uk/.

Marketing Marian Vasilescu

Web site content planning and content marketing tricks

Content planning with content marketing tips? Social Media Marketing (SMM): Simply put, social media marketing refers to the process of using social media platforms to attract traffic and attention. By using social media, you can increase exposure and build meaningful relationships with your customers. While everybody can benefit from SMM as a type of digital marketing, B2C and SaaS companies tend to get the most out of it. Social media marketing is all about listening to what your customers have to say, engaging in the conversation, and sharing valuable content. An example of a tweet from Andy Crestodina of Orbitmedia. Notice how he attracts attention by sharing valuable information (infographic), drives traffic to his website by posting the link and evokes discussion (53 comments!) Together, content marketing, SEO, and social media marketing constitute what is called “inbound marketing”. It is a marketing methodology that aims at attracting, engaging, and delighting leads. Some goals of inbound marketing include attracting users’ attention, driving relevant traffic to the website, and converting it into happy customers.

Google posts are all about local engagement and having genuine interactions with potential customers in your area. While published Google posts does have a minor impact on ranking factors, the importance is on establishing connections with potential local customers. NAP stands for name, address, and phone number. NAP consistency is having your company’s name, address, and phone number listed the same way across the web, from your website to your directory listings, to your social media profiles and even band mentions. NAP consistency is crucial to getting both users and search engines to identify the correct location of your business.

Understand Your Audience: “Who”? All people are not the same, we know this. Yet when many business owners approach their audience, they view their audience as their preferred demographic and the results may not be what they thought. But who are you really creating content for? The people who will be paying for your services. It’s probably two to three groups that have similar problems, needs, and wants. The content should focus on the people you are serving and effectively show them how you will fulfill their needs. This is the most important step for any web project. Creating a profile of your ideal client is also necessary for website design, marketing, and ads. When you are evaluating who your client is you may consider things like their age, education, job title, and values. See additional information at Content Planning.

Even if you already have impressive traffic stats, the more, the merrier. Guest blogging allows you to build a stronger online presence and reach the top of the SERPs. You’re no longer centralized on your own platform or social media network. You now have access to the guest posting site’s readership. You also show up more frequently in search engines and stay fresh in netizen’s minds. After all, you seem to pop up everywhere when they look up your eLearning area of expertise. A word of caution: avoid redundant posts that annoy prospects instead of drawing them in. For instance, you discuss the same topic on numerous guest posts instead of approaching the subject matter from different angles.

Guest blogging requires every area of content marketing to be successful. It requires you to do content research, adopt the right writing voice for a particular audience, perform influencer outreach, and so on. Remember, the best way to learn content marketing tactics is to deploy them yourself. You can’t just read about them, follow everything to the letter, and hope for the best. By launching your own guest blogging campaign, you’re positioning yourself for growth in every facet of content marketing.

Each year has presented opportunities for our team to grow, so we have had the pleasure of adding team members whose hearts are bursting with a desire and talent for branding, web design, and web development. To be a part of the 95Visual team means to constantly pursue ways to learn more about their craft and develop it into an even finer tuned talent. The next time you are looking for a company to assist you with your business’ branding, website, or marketing needs, remember that 95Visual is here for you. See additional details on this website.

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