Waiting for “the right time”… Can be like trying to find the end of the rainbow… I tell my son all the time… “When is now a good time.” Yup. Now. Grab this report now. Because… It’s an opportunity of a lifetime that needs to be seized now not later. Best Regards, Matt Bacak P.S. Grab […]

Whether you’re just starting out and need a brand new website for your small business, or you already have a site up (but it doesn’t seem to be doing anything for your business), you could benefit from determining what your website actually needs. Just having a site is not enough. Remember, a website is your most important digital asset and should be your central, online marketing piece. So putting some extra thought into that is [...]

The post How do you know what your small business website needs? appeared first on Create + Design + Market.

Certainly. I’ll rewrite the article, incorporating the tips into the main content and optimizing it for keywords related to arthritis, joint health, and pain management. Here’s the revised version: Comprehensive Guide to Managing Arthritis and Improving Joint Health Arthritis is a broad term encompassing hundreds of conditions affecting various joints throughout the body. Among these, […]

The post Want To Know More About Arthritis? Read These Tips appeared first on Complements For Health.

The new single has been released at www.thereverseengineers.com, buy it now for just 99 cents. This song is our first release since our Max Q album. More singles will be coming in the very near future.

Our Max Q Album is now available as a MP3 Album. For all of you that have an iPod this will satisfy the need for instant gratification of downloading the album digitally. All files are 320kbps DRM-free MP3 files which will work on an iPod or any MP3 player. Click here to view the updated […]

Factors to consider before starting any weight loss program to successfully lose weight and keep it off.

Everything you should consider and know before purchasing a treadmill for your home.

A guide to everything you need to know about a vegan diet and a plant-based foods diet.

Essential safety tips every hiker needs to know before the first big adventure hike.

Boxing is a sport that with proper precautions, preparation will help build stamina, strength, agility.

Popular winter sport of snowboarding can be enjoyed by people of all age levels is an ideal outdoor physical exercise activity.

Here is what you should know beforehand about taking the keto diet.

Ayurveda is rich in self-care practices and medicinal rituals and Abhyanga massage is one of those modalities gaining popularity. Learn what it is here.

(Birmingham, AL) The most recent fallout from the mortgage crisis that began last summer is now rearing it's ugly head in the form of Fannie Mae approved loans that cannot get insured by Mortgage Insurance companies.

Mortgage insurance companies, spurred on by recent recommendations in congress, are tightening their credit standards for providing insurance. Without mortgage insurance, borrowers are forced to provide a down payment equal to 20% of the purchase price of a home - something very few home buyers can afford to do. Just this past week, mortgage insurance companies raised their credit score requirement to 620, effectively cutting out 50% of home buyers from the home buying market. The move came unnanounced and without any notice to lenders or to Fannie Mae.

In fact, lenders are still approving loans that meet Fannie Mae guidelines for purchase in the secondary market, but then find, just before closing, that there is no mortgage insurance available to insure the loan. Without insurance on money loaned that is over 80% of the value of the property, the loan is declined. Buyers that have a "loan approval" from a lender should immediately ask their lender if the lender can get their loan insured. Otherwise, homebuyers could spend hundreds and even thousands in the days leading up to the closing only to find, at the last minute, that loan insurance is not available to them.

This move by the Mortgage Insurance companies will only add fuel to the fire that is the current US Housing market. By effectively eliminating more home buyers from the market, at a time when the housing market needs more buyers, not fewer, the mortgage insurance companies have put another nail in the coffin of the housing market. The resulting effect on the market will be an even bigger drop in home prices. The immediate impact of this new policy will be felt quickly in the market, not over time as has been the case with loan defaults, adjusting loan interest rates, and foreclosures.

Be forewarned: if you are a seller, drop your price now before the market itself forces an even larger price reduction. If you are a home buyer, your credit score must be above 620 or you cannot get a loan.

The Veterans Housing Act allows the Department of Veterans Affairs to guarantee a home or mobile home loan. While eligibility is still determined by VA, the benefits vary depending on when you served in the military and the type of service. While those currently or previously on active duty are allowed benefits after serving anywhere between 90 days to 24 months, depending on the year, reservist and national guard members never called to duty, will need to contact VA to determine eligibility.



While most consumers feel VA gives a borrower a loan, VA only guarantees loans in case of default. Loan approvals are made on their behalf by approved lenders. VA does require all homes be appraised by a VA roster appraiser and there are only special circumstances in which VA reviews a loan for credit determination.



VA Home financing allows 100% financing, 4% seller contribution, limits what a borrower can pay in the form of closing costs, provides excellent interest rates and does not require perfect credit. A VA loan will consider approval for a borrower with no credit. It is by far the best loan program available, and it is only for veterans.

Audiobooks and podcasts have been sky-rocketing in popularity over the past three or four years. In 2019, the number of Americans who had listened to an audiobook passed 50%, a first for the medium. Podcasts are also on the rise, with investments from companies like Spotify and Pandora further encouraging a virtious cycle of audience growth and a broadening pool of podcasters.

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Meanwhile, the biggest advantage management holds up for growing podcasts is improved engagement on the platform. But since Spotify doesn't disclose average time spent per user on its platform, investors may be left guessing how the company is doing. So, what is the best indication of whether or not the podcast investments are paying off?

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Today, the board of the much-esteemed Pulitzer Prize announced that it’s adding Audio Reporting as a new category for its journalism prizes in the next cycle.

Podcasts Can Win Pulitzers Now

There are now more than one million podcast shows on Apple Podcasts, according to Apple.

Let me reiterate: we do not mean episodes. We’re talking more than one million individual podcast shows: As in the shows which then release their episodes. That’s a lot of podcasts.

Apple confirmed in an email to Mashable that Apple Podcasts hit more than one million podcasts and that this milestone was reached on Monday, April 20.

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Humanity has been telling stories since long before the written word. Not to mention, audio fiction is a great choice when you can’t look at a book, like during a commute, while doing chores, or working out. And audio fiction is on the rise.

In comparison to other media formats, podcasting is still under-monetized, according to Tech Crunch. Short fiction podcasts still need crowdfunding backers and paid subscribers. Deep-pocketed newcomers bankroll high production value, or already have name recognition. But podcasting continues to have a low cost of entry, and the prospects for earning a little revenue may be improving.

Podcast measurement company Podtrac has recorded mostly negative week-over-week download and unique audience growth since social distancing measures began. The declines were most severe in mid-March when major cities began shelter-in-place requirements and nonessential American workers began working from home. As of the week of April 27, however, weekly download and audience growth are slowly ticking back up.

But it is not all bad news: Podtrac found that for the shows it measures, year-to-date growth overall is still positive with major download growth in categories like news, comedy and business.

The global pandemic has upended our entire nation. When we think of the aftermath since the coronavirus first struck the United States, it still leaves us with a great deal of uncertainty.

Everyone from healthcare workers to business leaders to tradesmen are watching as everything around them changes, and theres nothing they can do about it other than to roll with the punches. Nothing is the same, and it may never be the same again.

But when we look closer at certain sectors, not all of them have a negative story to tell. COVID-19s shock has actually jolted some industries alive. Far-reaching technological adoption, an increased consumer consumption, and a spike in advertiser’s reallocating their budgets to make the most impact during the pandemic, podcasting is having its moment. And it is a big one.

This is great news, of course, but how exactly is podcasting changing under COVID-19’s influence?

Podcast-listening has skyrocketed over the past couple of years. In fact, it’s quickly becoming one of the fastest-growing mediums, with forecasts predicting the number of podcast users to exceed 160 million by 2023.

Do you have a niche?
Podcasts that focus on a specific niche or subject matter tend to perform better and garner more regular listeners than those covering broad topics.

Do you have the time?
Although the best podcasts come off as being off-the-cuff conversations, the truth is that a lot of time and commitment are involved in bringing them to life.

Do you want to raise your profile or make money?
Podcasts can be great tools for raising your thought leadership profile, but if monetization is your primary goal, you will probably want to invest your time and money somewhere else.

Amazon has long owned Audible, the audiobook titan that dabbles in podcasting, but only very recently began to work its way into the podcast arena. Just this September, Amazon Music launched podcasts, in an effort to boost one of the truly struggling arms of the company. For whatever reason, Amazon Music streaming has not been able to maintain a foothold as a competitor to Spotify for Apple Music, in the same way that Prime Video contends with other top video-streaming services.

As you might recall, 2020 closed out with yet another flashy podcast acquisition. Right before the New Year, Amazon announced that it was buying Wondery for its Amazon Music service, where it will presumably be made to pump out original content rendered exclusively at some point to lure new users to the platform.

When PCL commands are included in the print job sent from the host to MacWise, the host can control printer features such as bold text, lines per inch, margins and much more. When this option is enabled in Printer Setup under the FIle Menu, the standard Mac Print dialog box is bypassed and the print job is sent directly to the Mac default printer...

Finally, obtain a great lawn almost instantly. Quick and easy download now available.

Free tips, ideas and articles to help you get organized.

How much do you know about podcasting? Take the podcast quiz and test your knowledge.

Question: Are there any size limitations to podcasts?
Answer: There are no maximums or minimums when it comes to podcast size. Obviously, the larger files might intimidate listeners with a slow connection. Podcasts can be successful at any size, generally wise podcasters balance the file size and the quality of their show.

Question: What are ID3 Tags?

How Much Do You Know About Podcasting?

If you sell any product via ClickBank then the chances are that it's being stolen right this minute! That's crazy because it is easy to STOP Digital Theft. This is a simple solution for any ClickBank merchant or vendor.

New feed location can be found here http://www.hardwareasylum.com/rss.xml

It’s wonderful when the kids reach school age and you’re working at home. Suddenly you have all this time to work on your job or home business. But then winter comes, and sometimes that means you get hit by a snow day. It isn’t always fun to cope with...

The post How to Cope With Snow Days When You Work At Home appeared first on Home with the Kids Blog.

Happy New Year! I hope you all had as great a holiday season as I did, but I imagine you're also eager to get back in the swing of things as well. So, here are some highlights from today's edition...

The PHP team is pleased to announce the release of PHP 8.4.0, Beta 3. This is the first beta release, continuing the PHP 8.4 release cycle, the rough outline of which is specified in the PHP Wiki. For source downloads of PHP 8.4.0, Beta 3 please visit the download page. Please carefully test this version and report any issues found in the bug reporting system. Please DO NOT use this version in production, it is an early test version. For more information on the new features and other changes, you can read the NEWS file or the UPGRADING file for a complete list of upgrading notes. These files can also be found in the release archive. The next release will be Beta 4, planned for 29 August 2024. The signatures for the release can be found in the manifest or on the QA site. Thank you for helping us make PHP better.

The PHP team is pleased to announce the release of PHP 8.4.0, Beta 4. This is the second beta release, continuing the PHP 8.4 release cycle, the rough outline of which is specified in the PHP Wiki. For source downloads of PHP 8.4.0, Beta 4 please visit the download page. Please carefully test this version and report any issues found in the bug reporting system. Please DO NOT use this version in production, it is an early test version. For more information on the new features and other changes, you can read the NEWS file or the UPGRADING file for a complete list of upgrading notes. These files can also be found in the release archive. The next release will be Beta 5, planned for 12 September 2024. The signatures for the release can be found in the manifest or on the QA site. Thank you for helping us make PHP better.

The PHP team is pleased to announce the release of PHP 8.4.0, RC 1. This is the first release candidate, continuing the PHP 8.4 release cycle, the rough outline of which is specified in the PHP Wiki. For source downloads of PHP 8.4.0, RC 1 please visit the download page. Please carefully test this version and report any issues found in the bug reporting system. Please DO NOT use this version in production, it is an early test version. For more information on the new features and other changes, you can read the NEWS file or the UPGRADING file for a complete list of upgrading notes. These files can also be found in the release archive. The next release will be RC 2, planned for 10 October 2024. The signatures for the release can be found in the manifest or on the QA site. Thank you for helping us make PHP better.

Access many ebooks and softwares for internet, networking, screensaver, domains, site design, programming and other issues related to computers on Clickbank.

Clickbank carries a large range of ebooks on love, romance, charity, politics, government, language and other matters related to society and culture.

Management wisdom was not found in some human resources manual or executive self-help book it was all right there in Mr. Gefter's Torah class. And it's still there for all the people to look. These are the things I learned from my teachers in Hebrew school

4medicaamp;reg;, a leader in healthcare data quality and matching technology, today announced that the 4medica Enterprise Master Patient Index (EMPI) platform is now available on Google Cloud Marketplace.

Gotomyerp, a leading cloud hosting provider for QuickBooks, SAP, Sage Cloud applications, and other third-party ERP (enterprise resource planning) business applications across the United States, Canada, and Mexico is celebrating its 16th year of offering secure and reliable enterprise cloud hosting solutions for businesses with a special offer for new clientele.

20% off Toast 19 Pro Was: $149.99 Now: $119.99. # Expiration: 12-31-2030

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[Nile Post] Former Prime Minister, Dr.Ruhakana Rugunda has said the time is ripe for youths to charge of the affairs of the African continent.

[Premium Times] "Nah, the country we dey control now, no be only Lagos again".

[IPS] New York -- On the day following the US election, UN Secretary General, Antonio Guterres issued a brief statement commending the people of the United States for their active participation in the democratic process. He wisely omitted to mention that the election of Donald J. Trump - who attempted to overturn the people's mandate by inciting an insurrection in 2020 - is a major setback for the UN's worldwide quest to advance human rights and the rule of law.

[New Times] The Mediterranean Knights of Libya are not finished yet despite suffering a major setback from a recent 3-0 loss to Nigeria on forfeit in the AFCON 2025 Group D qualifiers.

February 15, 2006 – If you think you don’t have much in the way of financial privacy right now, you are correct. Banks can disclose your information to their affiliate companies without your permission (You can thank Congress for that). Database companies gather, store and resell your information (including your Social Security Number) to the highest bidder. But if you think financial privacy is lacking already, the Bush Administration is trying to hard to make the situation even worse. If they get their way, copies of your credit card bills and your ATM card purchases will be sent straight to the IRS. So much for due process!

September 1, 2005 – As of today, residents of every state are eligible to receive their credit reports free of charge from the credit repositories (Experian, Equifax and Trans Union). These free credit reports were mandated by Congress with the passage of the Fair and Accurate Credit Transactions Act (FACTA) in late 2003. Under the law, eligibility to receive free reports was phased in nationally, from west to east.