There are several ways to calculate PITI monthly mortgage payments. PITI stands for principal, interest, taxes (property taxes), and insurance (homeowner’s insurance).

o You can use a long and complex formula like: P = L[c(1 %2B c)n]/[(1 %2B c)n – 1] Sound fun to you? Neither do I.

o You can use an online calculator. However, they are all different. Some are good, some are not. But if you’re out and about shopping and don’t have internet access, it’s not an option.

o You can even use a special handheld real estate calculator that will guide you step by step to enter all the variables like: house price, down payment amount, interest rate, loan duration, etc. then it will calculate the payment monthly PITI mortgage. However, these calculators are expensive, and unless you are a real estate agent, you will no longer need them once you find your home or refinance, which is not a profitable option.

You need a quick and easy way to calculate the payment in your head, or perhaps with the calculator on your cell phone.

Believe it or not, there is a way. It is very simple and will give you a rough estimate of your PITI payment.

Are you ready for this? It’s super simple – just a one-step multiplication problem. OK. Here it is. To estimate your monthly PITI payment on your mortgage, multiply your loan amount by .008. It is for real! (As long as mortgage interest rates do not change dramatically from what is available in January 2009)

o If you are buying a $ 200,000 home and can afford $ 10,000, your loan amount will be approximately $ 190,000.

o The math looks like this: $ 190,000 x .008.

o Enter those numbers into your calculator.

o Your monthly PITI mortgage payment will be approximately $ 1,520 per month.

Please note that this figure is only an estimate – an easy way to get an estimate when you can’t access a computer. If you are in contact with a real estate agent or loan officer, they can give you a much more accurate idea of ​​your monthly PITI mortgage payment.

With more and more homes in the hundreds of thousands up for foreclosure auction, how can you raise the quick cash needed to stay out of financial trouble? I’m talking about finding quick and easy cash that you might need today that you never have to pay back. Never! But how can you find this nearly FREE money to get out of the predicament millions of people are in today within the US without being at fault?

I feel like this is the fault of the major federal loan lending policies of all the major banks and mortgage companies like CountryWide, Fannie Mae, and Freddie Mac – $ 6 trillion losses, just to name a few. Citi just posted a $ 2.5 billion loss and Fannie Mae and Freddie Mac went broke! Who is the next one? Time will tell. Meanwhile, all American citizens have to pay for these giant Fed mistakes just like the war in Iraq that cost us all billions daily.

Well, sometimes you can get new money in the form of gifts. That’s what the feds did to Fannie Mae and Freddie Mac! The real cash gifts that strangers are willing to give you is nothing new, it has been around for almost 300 years. If you read this article, you will learn how to get it.

Really all you have to do is find someone who is willing and able to give you some money and it could be anywhere from $ 500 to thousands of dollars depending on who you find. It sounds simple enough, but it’s not really that simple unless you have and use the right contacts. And what are the right contacts?

All you need to do is find people who are a little richer than you are today mainly; Those are the right resources, and you can believe me when I tell you this; there are mega millions of them all over the world just looking for you to contact them. If you are able to find for these people the right opportunity to jump in today that can put their own life on the easy road, you will earn money and a lot. Why?

This is mainly because the US economy is in the tank right now and it’s getting worse and the rest of the world isn’t doing that well in certain places either. There are many people today who cannot make ends meet simply because of inflation right here within the United States. This is why you are watching house after house go into foreclosure and why big mega trillion dollar companies like Fanny Mae and Freddie Mac show losses of $ 6 trillion and are financially sinking. That’s the tip of the iceberg, folks. Be careful with the closing of your money!

The right resources can bring a lot of cash your way and it can happen quite quickly, depending on how much effort you put into your own search for cash that you are endowed with. Just don’t be afraid to ask or you will never get cash from anyone. Churches give cash all the time and have done so for over 300 years. Everyday people do it too.

I’m not saying we go out and beg people for money. What I am saying is that there are legal ways to give money to people and there is absolutely nothing ethical about you receiving it. Especially since you most likely did not create the financial mess you may find yourself in today.

You cannot and should never depend on your own government to meet your own needs, no matter where you live in the world today. This simply 99% of the time it just won’t happen, although I have seen some people shed the government their entire lives. Personally, I never have. You need to find a safer way to get the wealth you need in your life today.

Don’t worry if you don’t have enough money to retire or live today. Most people don’t have enough, and many find themselves in a bad situation when they retire. They quickly realize that you simply can’t live on a third of the money you use to earn at your job, so most are forced to re-enter the job market only to find that they won’t earn as much this time.

It does not have to be this way. Just get the right education so you can start earning big money, either offline or on the web, and start with what it takes as you haven’t done it yet, no matter if you are young, you are close to the retirement age or is of retirement age. There is nothing like taking steps to start making big money start happening in your life.

No action, no results, it’s the way I’ve always seen things in my own life.

If you can find the right resources, you will be fine.

Most endocrinologists and other physicians consider Graves’ disease to be an incurable condition. However, many holistic practitioners have a different view of this condition. Being a holistic healthcare professional, it’s no wonder I was open to a natural treatment protocol for Graves’ disease when I was first diagnosed with this condition. This doesn’t mean that I wasn’t skeptical though, as while I wasn’t really concerned about the safety of natural treatment methods, I was honestly not sure how effective they would be.

While I wouldn’t label my symptoms as too severe, it was still difficult to deal with the increased pulse rate and the palpitations made it difficult to fall asleep at times. Add to this the tremors, weight loss, and increased appetite, and like many others with Graves’ disease, I was considering taking antithyroid medications to help control symptoms. As for radioactive iodine, the endocrinologist I saw did not present it to me as an initial option, although I am sure it would have changed in a few months or years after taking the antithyroid medications. After all, antithyroid medications do nothing more than control symptoms, although they sometimes put a person in a temporary state of remission.

In any case, I never considered receiving radioactive iodine, but who knows what would have happened if I had decided to take the antithyroid medications. But I didn’t, as I made the decision to follow a natural Graves disease protocol, and it really helped restore my health to normal. It only took a few weeks for the increased heart rate, palpitations, and tremor symptoms to subside. And in a few months all my symptoms were gone, the blood tests and adrenal tests improved dramatically and finally normalized, and overall I felt great.

How can a Natural Graves disease treatment protocol be so effective?

Before answering this question, let me be frank and inform you that not everyone responds to natural methods of treating Graves’ disease. However, when you think about it, there is really nothing to lose by following this protocol, as the worst case scenario is that it does not work and you will have to resort to antithyroid medications or RAI. However, the reason that a natural treatment protocol for Graves’ disease has a great chance of restoring your health to normal is because, unlike conventional medical treatment methods, natural treatment methods attempt to achieve the underlying cause of the condition.

What you need to understand is that in most cases of Graves’ disease, the problematic thyroid gland is not the underlying cause of the disorder. So while prescription drugs can do a good job of managing symptoms, they will do absolutely nothing for the actual cause of the disorder. On the other hand, the goal of any natural treatment protocol for Graves’ disease is to cure the cause of the disorder. Here are some of the things that can lead to the development of Graves’ disease:

• Weak adrenal acorns

• A compromised immune system

• Poor digestion

• Hormonal imbalances

• Nutritional deficiencies

• Exposure to environmental toxins

• Problems with other areas of the body

Usually it is a combination of some of these factors that leads to the development of an autoimmune thyroid condition. So when someone with Graves disease consults with a natural endocrine physician, they will not only look at thyroid blood tests that other healthcare professionals evaluate, but will most likely recommend one or more additional tests to determine if the person has one or more of these problems.

For example, all people with Graves disease have a compromised immune system. However, not everyone has the same factors that cause the immune system to weaken. Many people who eat a lot of refined foods and sugars and / or do a poor job of managing stress develop weak adrenal glands, which in turn can cause autoimmune response and thyroid malfunction and lead to an autoimmune thyroid disorder. Another person may have an imbalance with the hormones estrogen and progesterone, which can wreak havoc on the body and lead to problems with the immune system.

The point is, just focusing on the thyroid gland is a big mistake. And this is the reason why most doctors think that Graves’ disease is incurable, since they focus all their efforts on stopping the excessive production of thyroid hormone and never think about what is causing the gland to malfunction. thyroid first. So the reason why natural Graves disease treatment methods can be so effective is because they not only try to cover up the symptoms, but they try to find and then eliminate the cause of the actual condition.

Find a doctor who specializes in Natural Graves disease treatment methods

While there are many naturopaths, holistic physicians, and other health professionals who could help restore your health to normal, it is a good idea to consult with a natural endocrine practitioner in my opinion. The reason for this is that such a doctor will focus on endocrine disorders and therefore have more experience caring for people with Graves’ disease compared to a natural doctor who cares for many different types of conditions.

Regardless of what you decide to do, try to keep an open mind. I realize that it can be difficult not to be skeptical about natural methods of treating Graves’ disease, especially when almost all endocrinologists and general practitioners recommend drugs or RAIs. And don’t get me wrong, as some people really do need these conventional treatment methods. However, in most cases, it does not make sense to temporarily control symptoms with antithyroid drugs or to damage the thyroid gland with radioactive iodine.

Most people just don’t realize there are other options, and now that you’ve learned this information, hopefully you will try natural methods of treating Graves’ disease. If you are like most people who follow a natural treatment protocol, not only will you feel healthy and energetic, but you will regret not taking action sooner.

As a certified travel agent for four decades, an international airline employee, researcher, writer, teacher and photographer, travel, whether for business or pleasure, has always been an important and integral part of my life. Some 400 trips to all parts of the world, by road, rail, sea and air, involved both worldly and exotic destinations. This article focuses on the Atlantic islands of the Bahamas, Bermuda, Greenland, Iceland, the Canary Islands, and Madeira.

The Bahamas:

Nassau, in New Providence, offered an immersion into British colonial life with its architecture, beaches, and landmarks such as Fort Charlotte, Fort Fincastle, and the Queens Staircase.

Paradise Island, connected to the causeway, was a crescent of beach-lined hotels, like the ocean-themed Atlantis Bahamas Resort, but a pocket of history, tucked away down a narrow street, was the French Closter, a century-old Augustinian monastery. XIV dismantled and imported. of Europe by William Randolph Hearst.

Freeport, on Grand Bahama, featured its colorful International Bazaar, consisting of some 100 shops and restaurants, and Lucaya Beach.

Bermuda Islands:

Bermuda, also a British crown colony, was toured in three areas.

Hamilton, the first, provided a base at the Hamilton Princess and Beach Club for exploration that included its colorful Front Street, the Bermuda Botanical Gardens, and pink sand beaches.

The Royal Naval Dockyard consisted of numerous locations including the Bermuda Tram, Clocktower Center, Bermuda Clayworks, Bermuda Rum Cake Bakery, Dockyard Glassworks, Bermuda Arts Center, Frog and Onion Pub, Craft Market, and Bermuda Maritime. Museum.

And St. George, in the East End of the island, promoted the absorption of the history of the area through its King’s Square, the Church of San Pedro, the National Trust Museum, The Deliverance, a life-size replica of the ship of the 17th century transporting supplies to the Jamestown colony in 1610 and Fort St. Catharine.

Greenland:

As the world’s largest island, situated in the North Atlantic Ocean, Greenland was sparsely populated, rocky, covered with tundra and huge glaciers, and in some cases perpetually covered in snow. There were few air gateways other than Iqaluit in Canada, Reykjavik in Iceland, and Copenhagen in Denmark. Internal air service was provided by rotary-wing aircraft.

Aside from an aborted trip from Reykjavik to Narsarsuaq in the south, which required an immediate return to Iceland due to sub-minimum weather conditions, the almost continent-sized island was visited on two other occasions.

The first, the Cape Dan settlement in Kulusuk, was accessed by turboprop flight, landing on a gravel runway, and followed by an escorted tour, conducted only in German, of native everyday life, including the colorful houses, the rocky outcrops on which they were built, the community tent and kayak on the floating crystal blue lake in the center of the community.

The second, Kangerlusuak on the west coast, was reached after a flight from the Canadian territory of Nunavut. The modern Hotel Kangerlusuak, inspired by Scandinavian decor, served as the base from which sightseeing excursions to the Russel Glacier, via ATV, and local area coverage were made. Due to the summer season, the thick curtains blocked out the light that was perpetual almost 24 hours a day.

Iceland:

Several trips were made to Iceland, whose terrain and topography were otherworldly, with black volcanic lava, hot springs, geysers and waterfalls.

The Loftleidir Hotel, located at Reykjavik Domestic Airport, served as a base for walking tours of downtown, which included Hallgrimskirkya, its basalt-inspired church; Four-wheel drive to the massive Gulfoss waterfall and towering geysers; and flights to Heimaey in the Westman Islands, many of whose structures were built on the lava excreted from the last volcanic eruption.

The islands of the eastern Atlantic:

The trips to the Eastern Atlantic Islands covered two large groups: the Canary Islands and the Madeira Archipelago.

Tenerife:

A drive from Santa Cruz to San Cristóbal de La Laguna in Tenerife, the largest of the Spanish Canary Islands off the West African coast, revealed the World Heritage-listed city of San Cristóbal de La Laguna, the first example of an unfortified city whose grid served as a direct precursor to settlements in the Americas under Spanish rule during colonial times. It consisted of about 1,470 buildings, of which 627 were preserved public and private classifieds dating back to the 16th, 17th, 18th, 19th and mid-20th centuries with a mixture of Mudejar, neoclassical, modernist, rationalist and contemporary architecture. .

Other places of interest included the Municipal Market, the Town Hall, the Currency Exchange, the Captain General’s Mansion, and the San Francisco Sanctuary and Convent.

Garachico, reached after a short drive, provided the opportunity to sightsee at Castillo de San Miguel. Icod de los Vinos, which was reached after another sector of a short path, included El Arbol del Drago, the Convent of San Marcos and La Casa del Drago for the tasting of local wines.

Aside from a tour of the Botanical Garden in Puerto de la Cruz, a virtual buffet lunch featured selections such as Catalan rosé wine, tomatoes stuffed with tuna salad, and Andalusian potato and sausage salad; baked chicken in a wine sauce, roasted potatoes, potato and cauliflower croquettes; seafood paella; cream cakes, puff pastries and assorted ice creams; and coffee at the Hotel Tenerife Playa, overlooking the black sand beach nestled in a cove and its waves crashing:

Madeira:

The center stage of the second group of islands in the eastern Atlantic was Madeira, offering a unique and quintessential Portuguese experience after a circuit from Funchal, on its south side, through 600-meter-high pine-clad mountains shrouded in mist. , clouds and occasional drizzle. , to Sao Vicente, by its north.

The highlight here was a two-kilometer, 12-minute descent on a wooden “cestinha” sled. The sleds themselves, originally used to transport goods from higher mountain locations to lower villages, were recently converted to carry passengers with the addition of seats. Navigated by two “carreiros”, who directed and controlled the wicker slide for two passengers provided with a padded seat and a platform for the feet, they were initially pulled forward by two ropes and then alternately crowned in two steps aft, depending on the angle. as they raced down the steep paved streets amid daily car traffic, often crossing busy roads. Its speed was reduced by progressive horizontal orientations of the wooden sheets to induce friction.

The Ribeiro Frio Restaurant, located in the misty high-rise town of the same name and decorated with wooden walls, a beamed ceiling, a bar and a roaring fireplace, offered a post-descent espresso, and something recuperative, in one of the the small round tables with tree branches in front of the fire.

Subsequently, following the winding and hairpin mountain roads, past graduated multi-level agricultural plots reminiscent of the Cameron Highlands of Malaysia, my coach emerged with views of the pure blue sky and sea during his journey from Ribeiro Frio to Santana.

The Quebra Mar restaurant, with its modern circular dining room, floor-to-ceiling windows overlooking the Atlantic Ocean and the volcanic mountain setting in Sao Vicente, serves a lunch consisting of “vinho de mesa tinto” or “red table wine. “. from the Ganita wineries; Leaky vegetable cream, crispy battered white fish, French fries and mixed green salad with olive oil; thin slices of beef in a red wine sauce with rice; and fresh fruit topped with vanilla ice cream.

A trip through the cloud-mist-covered ascending roads to the pass of the Encumenada de Sao Vicente, offering views of two seas, offered a panoramic viewpoint at Cabo Girao, the second highest cliff in the world with a vertical drop of 580 meters to the sea, and leads to Camara de Lobos, the second city of Madeira.

The time on these two eastern Atlantic islands was short, but encompassing.

In this, our 18th episode of Madness Chronicles, we will take a TDS, the Trump disorder syndrome. Remember, insanity is an especially severe state of mental illness, extremely foolish behavior, and a state of frenzied or chaotic activity. Let’s take a look at the celebrities suffering from Trump disorder syndrome in America.

When President Trump made a surprise visit to a Bible church in Wolf Trap, Virginia, Better Midler tweeted, “It really does look better here! Maybe someone in your camp can gently stab him. I mean, shove.” Just fun. , I’m sure. Actress and singer Barbara Streisand tweeted an image of Nancy Pelosi impaling the president to death with the heel of her shoe. So worthy.

In an appearance on Rumble with Michael Moore, actor Robert De Niro said, referring to the president, “Pigs have dignity. He has no dignity. He is a disgrace to the human race.” He followed that up with, “I’d like to see a bag of shit right in his face. Hit him like that, and let the image spread all over the world.” Your mother must be very proud.

Actress and singer Cher was not far behind. She tweeted: “Our president at work. Saw a video of a baby in custody. There is an outbreak of chicken pox, measles, children living outdoors in the Texas heat, bad food, dirty water, unsanitary conditions, physical abuse, emotional and sexual. Beat a psychotic butt. I wish I was locked in a hot cage with dirty water. ” Apparently a random thought?

The so-called actor Alec Baldwin, always a classy guy, tweeted: “I hope some of the BBQ sauce in Trump’s hair will slip, trip and fall and he can’t run.” He explained that that was his Christmas wish. While appearing on the Late Show, actor Jeff Daniels said, “You know, I … I cut it down, but we need someone who can take this guy off, who can punch him in the face.” He was referring to which of the democratic towns of the town should face the president.

Former boxer-turned-actor Mickey Rourke displayed extremely goofy behavior. He released a video full of profanity that, among other things, read: “That piece of shit sitting in the White House, that pussy, that lying idiot. You fucking piece of shit. He said some really nasty things about the two of us. And what about? You know what? It’s personal. There’ll be a day when I’m not president, and we’ll meet. And you’re going to feel me.

What do you think? A left hook from hell? What goes up, goes down and when it goes down like a m-therf-cker. Can you hear me? You will feel me. What you said about the two of us … You’re going to feel me. “Somehow, the Secret Service didn’t find that a threat?

Rapper Snoop Dog made a violent video of the president’s death. That used to be a crime. Rapper Bow Wow, no doubt a stellar example of how you want your son to grow up, tweeted the president to shut up or, and I quote, “Before we pimp your wife and make her work for us.” Featured citizens are these rappers, huh? Comedian Kathy Griffin raised what appeared to be a severed head on Saturday Night Live. Hanoi Jane, as expected, has hateful rhetoric from Trump on her website, and actor Tom Arnold took his threats to the president’s son.

The Oscar, however, goes to Johnny Depp. The feigned tough guy said, “When was the last time an actor assassinated a president? I want to clarify, I’m not an actor. I lie to myself for a living. However, it’s been a while, and maybe it’s time.” . Such brilliant examples for all of us.

May we wake up from this madness before it is too late. I wish you good health and until next time … have fun, enjoy life and watch out for the madness between us.

Blockchain technology can help enormously in banks, insurance, the pharmaceutical and health industry, the supply chain of many sectors (agribusiness, luxury, international trade, distribution, wines, aeronautics and automotive), music industry, energy and real estate. Blockchains have the potential to replace most centralized “trusted third parties”, including banking businesses, notaries, land registries, and so on. by distributed computer systems.

1. Medicines / Pharmacy

Blockchain technology can be used to improve the integrity of drugs. If drugs can be clearly identified and traced from production to consumption, up to a million lives could be saved each year. Because DHL is already working with Accenture to establish a track and trace serialization system based on blockchain technology.

“At this time, there are already more than 7 billion unique pharmaceutical serial numbers in the system. In addition, the system can now handle more than 1,500 transactions per second,” said Scott Allison, president of DHL, Healthcare.

Allison doesn’t just have system capacity in mind. For example, track and trace serialization should reduce costs, increase security and trust, and eliminate error-prone data movement. Technology can add additional verified information to the item, which cannot be tampered with. Validation is carried out by all participants.

“THE SYSTEM DOES NOT ONLY MEET THE GLOBAL REQUIREMENTS FOR SERIALIZATION, IT EVEN EXCEEDS THEM,” says Allison.

2. Fashion / Fashion

The CGS project enables consumers to track the complete life cycle of a garment. This brings together companies from the fashion, apparel and consumer goods sectors to work together. With this solution, consumers no longer need to blindly trust the value of sustainable fashion. Blockchain technology allows the monitoring of the sustainability and compliance of the garment.

3. Cross-border payments

In developing and underdeveloped countries, access to capital for small food producers is often a big problem. Binkabi is a cross-border agricultural trade platform that is breaking new ground with the help of a block bridge solution from Sweet Bridge. Therefore, a system for fair trade in commodities will be developed.

IBM recently announced a blockchain banking solution. This is aimed at making international payments faster and more profitable.

4. Food safety

In the area of ​​food safety, IBM is working with food manufacturers Dole, Nestlé and Walmart. Therefore, data from breeders, suppliers, processors, traders, retailers not only for all parties involved but also for supervisory authorities and consumers are available. Therefore, each transaction can be tracked and all the information about the food can be viewed. Since all members of the food system have access to the blockchain, contaminated food can be quickly removed from the production and supply chain before it hits the shelves.

The World Wide Fund for Nature (WWF) “tracks” seafood using blockchain technology. In this project, technology should help in the fight against illegal fishing. However, full traceability of fish and shellfish is also of interest to fish wholesalers and retailers, as they want to prevent their products or brands from being associated with illegal activities.

“CONSUMERS ARE ALSO PENDING MORE FISH AND SEAFOOD THAT ARE NOT ILLEGALLY FISHED,” says Bubba Cook, WWF Western Central Pacific Tuna Program Manager.

5. Humanitarian crises

Blockchain technology is not only used by companies. The United Nations currently uses blockchain technology in 16 areas, including:

World Food Program (Aid to refugees)

Office for the Coordination of Humanitarian Affairs (donor funding, safeguarding and monitoring of supply chains)

Additionally, research is currently under way on how blockchain technology can be used to address current issues, such as child trafficking, according to Mahrinah von Schlegel, CEO of Nonprofit Embassy 2.0.

As part of the ID2020 public-private partnership, Microsoft and Accenture have announced a partnership. The goal is to provide 1.1 billion people with a legal form of identity and identification using blockchain technology.

6. Jewels

In collaboration with Everledger, jewelry company Brilliant Earth intends to use blockchain technology to accurately trace the origin of diamonds and other gemstones. This ensures that only conflict-free stones are processed.

From a technology writer’s point of view, standard text is any text that can be reused (sometimes called reused) in several different documents without many changes from the original. It is a copy that is typically provided by a customer that includes information about an organization’s history, facilities, or capabilities. Since these things do not change, or change very little, there is no point in reinventing information every time it is needed. All the writer has to do is update and update the standard text and place it where needed.

From a programmer’s point of view, standard text is sections of code that must be included in various places in a program with little or no change. It is also used to refer to languages ​​that are verbose; when a programmer has to write a lot of code to do a small job.

From a legal point of view, the standard text is a standard provision in a contract. It is the reason why when you buy a home, the contract is twenty pages long and you must sign here, here, here, initial here, and sign here.

For the word nuts (like me) here’s a bit of history. The term dates back about a hundred years when things ran on steam power. Due to the high pressure inside a steam boiler, the steel had to be strong and thick. Everything big and strong was called repetitive. Around the same time, when printing was done with steel plates that could be used over and over again, the text that was to be widely reproduced was called repetitive. Newspapers, especially, used boilers so that papers could be printed across the country just by sending the printing plates to each location.

Among a lot of home appliance brands, it is very difficult to choose a particular brand. Among this plethora of brands, Whirlpool stands out very high. This is one of those brands that became a renowned brand all over the world in no time. The company has introduced a series of products that are highly applauded by all its customers.

Whirlpool is part of the Whirlpool Corporation, a pioneering Fortune 500 company. The Group has annual sales of more than $ 20 billion and a total employee force of more than seventy thousand. In 2008, Whirlpool was awarded the ‘2008 World’s Most Ethical Companies’ award by ethisphere magazine. Whirlpool Corporation was recently honored with two 2009 iF Product Design Awards for its exquisite Whirlpool Glamor Oven and GREENKITCHEN products based on the kitchen ecosystem design concept. It was also voted ‘Product of the Year’ and received the ‘Best Innovative Product’ award in the popular refrigerator category. Not only this, Whirlpool Frost Free refrigerators with the sixth sense as the best innovation in the popular refrigerator category.

Whirlpool’s huge product line includes refrigerators, microwaves, air conditioners, water purifiers, UPS, purifiers, and accessories. Whirlpool India has recently launched the Fusion 24 Premier and Professional 410Ltr refrigerators. Among the latest washers, Superwash A-65s and White Magic 800H are in great demand. Hydromassage microwaves such as MagiCook 22C and Jetchef 355 are highly appreciated by customers. The company has also recently launched PureFresh Elite and PureFresh Premium water purifiers.

With the advancement of computer technology, customers are drifting towards online shopping methodology, as the benefits that shopping portals offer to their customers are innumerable. They can use features like search for deals and chat offered by shopping websites. These characteristics are completely absent in the market buying methodology. Online shopping offers are the products of the customers of all possible brands that are available in the market stores. It is very easy to order and have bulky products like Whirlpool washers, refrigerators, etc. without even leaving their desks.

Through the ‘Chat’ function provided by online shopping portals, the customer can chat with users online and learn the details and descriptions of the product. They can also make new friends by making use of this feature. In addition, by using the “search for offers” function, customers can select the product according to their desire and budget. They can select the product according to brands, price, characteristics, etc. In this way, it is not necessary to buy an item according to the wishes of the merchant. Additionally, by using this feature, customers can discard products from the list that have features that they are not willing to see in the final product.

There are many alternatives when it comes to decorating your aquarium instead of buying them in a store. You can search your home for unique items you no longer need, or you can raid your child’s toy box. Yes, you heard right. Children’s toys can be used as decorations for fish tanks.

What makes children’s toys perfect as tank decorations is how detailed most of them are. These toys generally represent characters from famous cartoon shows and action movies and would be the perfect theme in your fish tank.

Since they are made for children, this should mean that they are safe and do not contain any toxic materials. This is especially true for more established brands, but I’d be a bit wary of toys made by smaller, lesser-known toy companies. It is common knowledge that there have been toys originating from third world countries that were made from materials that are considered toxic. But being a good parent, I’m sure you would have checked the safety of toys for your kids before buying them. Safe for children would generally mean safe for fish. Even so, we will have to consider some precautions before placing them in the tank water.

Children’s toy safety check

The first thing we want to make sure is that there are no metal parts anywhere on the toy. Metal rusts in water and can seriously contaminate it. These metal parts can be in the form of screws, springs, or other components. Remove them if there are any. Don’t leave a small piece of metal in the toy, even if it’s deep inside. Water seeps into the deepest recesses of any object and will enter the metal part.

Do not leave batteries in the toy. You may think it’s cool to allow it some automation, but it’s dangerous for your fish. A battery is a cylinder that contains some of the most toxic chemicals and seeps into the water. This applies to toys that are said to be waterproof. Being waterproof and immersing yourself in water for indefinite periods of time are two totally different things.

Check the paint job on the toy. Established brand toys have their paint molded into plastic. This makes them less likely to contaminate the water. However, toys that have been painted in colors are something to avoid. Over time, the paints will leach into the water and poison it. To find out if the paint is molded or painted, you can scrape the surface with a utility knife. If the paint comes off as a powder, it is most likely painted.

Lastly, make sure there are no sharp parts that could harm the fish. If there are, trim them with a file. These sharp points and edges can cause injury that can result in death.

Preparing the toys

Once you have found the perfect toys for your aquarium, you must first prepare them before throwing them in the water.

You must first wash them well. Soak them for a couple of minutes in diluted bleach first. Make sure the bleach is well diluted or it may discolor the paint. Soaking them in bleach kills any microorganisms that will definitely be on the toys.

Then wash the bleach thoroughly under running water. Never use any type of detergent to clean anything that you can put in the aquarium water. Detergent will leave a residue that will contaminate the water, no matter how hard you try to wash it.

After rinsing, air dry toys in sunlight. The sun’s ultraviolet rays kill any equilibrium microorganisms on the toy. Your toys are now ready to use in the aquarium.

If you have a school-age child who exhibits behavior problems, you have learned what “frustrating” and “exhausted” are all about.

Sometimes it can be hard to tell if your child has a small problem or a bigger one. As a parent, you want there to be no problems and it can be easy to escalate any situation quickly. Your home life can go from serene to chaotic in no time, and it’s easy to start to feel like things are getting out of hand.

Let’s face it, all children have problems, just like adults. The real question is how bad the problem is and what can we do to improve it.

Now, I am not a therapist or a doctor. I am a mother with more than 27 years of experience as a mother and based on that experience, here are my thoughts for recognizing behavior problems in children.

Mild behavior problems.

In this category we have the variety of gardens that school-age children face.

= Not doing household chores.

= Laziness.

= Not doing things the first time they are told (or the third or fifth).

= Procrastination.

= Occasional speech bordering on disrespect. My mother used to call him “cheeky.”

Mild behavior problems in school-age children have a lot to do with a child’s individual temperament. If you have a strong-willed child, you left mild behavior problems a long time ago! Generally, these types of problems can be solved mainly with clear limits and firm reminders. Task charts can be helpful and fun in this process.

== Moderate behavior problems.

All children visit this section at least once in a while. Here you can expect to find:

= More regular problems with homework.

= Occasional problems at school.

= Possible harassment.

= Speaking again.

= A LOT of feet shuffling when doing housework.

These types of behaviors require stricter limits, more serious consequences, and a 100 percent compliance rate. Obviously, getting your child to see the error of his ways at this stage will be better than if he moves on to the next stage.

== Severe behavior problems.

These are the kinds of problems that completely upset a family. (Remember, these are for school-age children, ages approximately 5 to 13 years.)

= Often disruptive at school.

= Drug / alcohol use.

= Vulgar speech used against others.

= Running away.

= Violence.

These are not easy problems to fix. They are usually deeply ingrained and can be aggravated by early drug or alcohol use. They often require professional help, as well as a committed family effort.

In all these categories, I just gave a sample of behavior problems. Real life is much more complex. And all children display signs of more than one category from time to time.

As a parent, you know your own child better than anyone. If you can see that your school-age child’s behavior problems are getting worse, take steps to help sooner rather than later. Research the child’s behavior, read books, ask questions, and, if necessary, seek professional help.

Everyone has difficulties, but steps can be taken to minimize those problems. Behavior problems in school-age children can be mild, moderate, or severe. Whatever level your child copes with, he can learn to handle his challenges and become the responsible adult that you know he can be.