It just takes a mere ten minute helicopter ride to arrive at Vista Mar Golf & Beach Resort from Panama City. Alternately traveling by car for less than an hour to reach makes this mode of a journey a just as pleasant one as well.
Situated on Pacific Coast of the Republic of Panama, this notable resort is not only luxurious but also has a grand view of the ocean all through the development area which covers about 700 acres of land in total. In order to reach there, one may easily catch a direct flight to Panama City's Tocumen International Airport (PTY) from U.S. cities such as Los Angeles, Houston, Atlanta, Miami, New York and Newark, N.J -- thus making the journey of getting there easy, comfortable as well as favorable.
The launch of the real estate named Las Brisas was publicized recently by the Vista Mar Golf and Beach Resort. The Vista Mar is Panamas latest oceanfront resort condominium venture and. Attractively located within the enclosure of the oceanfront area of Vista Mar Gold and Beach Resort, Las Brisas is expected to tower above the magnificent 18-hole gold course which was uniquely designed by award winning architect J. Michael Poellot. All of these luxury abodes will be privileged with the grand panoramic scenery of not just the golf course but also the magnificent Pacific Ocean to the west side.
The starting price for a 1,765 square foot two-bedroom condominium at Las Brisas is $288,700 USD. The penthouses whereas range from $563,600 USD and would ideally consist of a condominium of 3,018 square feet.
In the two/three bedroom and penthouse condominiums the owners have their choice of shutting off one bedroom thereby permitting the residence to be given to the Vista Mars professionally managed rental program to render their services to. The Las Brisas luxury residences at Vista Mar have exclusively decorated interiors, beautifully elongated private balconies not to leave out mention of course of including the comfort and convenience of having a private elevator.
The Las Brisas residents at Vista Mar will be entitled in addition to all these to having a social membership to the championship golf course and its well-planned and exciting clubhouse. Nine holes of this 7,496-yard golf course will be fully equipped for use in July. Our inhabitants shall also be able to gain privileged entry into the private Beach Club which is host to swimming facilities as well as a great restaurant with delicious Mediterranean cuisine. This club also includes a conveniently well-located heliport. There is in addition to all this a luxury top of the line rejuvenating Spa and an excellent Fitness Centre along with a Tennis Club which exist to further enhance the merits of true recreation which exist here.
David's blog
Learn How To Pick A Home Renovator
With a clearly defined list of wants and needs, a realistic budget and product research completed, you're ready to interview renovators.
The main objective is to find a professional renovator with the skills to accomplish the range of work in your renovation. Keep in mind you'll be opening your home to the renovator you select for weeks or months, so look for someone you want around your home on an extended basis.
The initial meeting helps you get to know a renovator and discuss your plans. You're laying the groundwork for your project, so take your time and don't be rushed.
At the second meeting, each renovator will prepare an estimate/proposal that includes a written estimate, a specifications list and maybe a few rough sketches. There may be a fee for this.
The one thing that is hard to judge from a proposal is overall quality of workmanship. The best way to tell if a renovator can do what he promises is to check references.
Look at past projects and talk to homeowners. Some people skip this step, figuring renovators will only offer up positive references.
But some renovators may feel that poor references are better than none at all. And some may try to bluff with false references. Always check!
Also, make sure when looking at estimates that you're comparing apples to apples. Get enough detail so that the level of service and quality offered by each renovator is comparable. A lower estimate may seem more attractive, but not if it doesn't provide the same quality process and end product.
This is the last step in selecting a renovator. Once you're satisfied with the references and estimate, it's time to get a firm quote. To provide this, the renovator must have a design.
The design sets out the specifications. This is a written recipe for the job. Along with the plans, they explain what's to be done in enough detail so that different renovators working from the same design would produce the same result.
There's typically a fee to produce the design, which usually can be applied to the total project cost.
Once you've selected a renovator and you are both clear on what's to be done, the next step is to draw up a detailed written contract. I'll have more on that next week.
There's been a quiet revolution going on in the new home building industry.
I say quiet, because it didn't gain as much public interest as we thought it would. It actually started a decade ago with an exciting new way of building called R2000.
Today, the revolution continues with the addition of new names such as EnerGuide and Energy Star. This revolution has changed the face of our industry in response to public interest in the environment and a desire to have a role in energy conservation.
It's an exciting time for today's new home buyer. With the many products and services available, the castle of your dreams is possible. And if you have a desire to be environmentally responsible, the industry is ready and waiting.
The Ontario Building Code recently incorporated aggressive changes in support of energy efficiency and will continue to raise the base level for building in the years to come.
While all builders must now comply with requirements such as improved windows, doors, insulation levels and heating equipment efficiency, many builders are well ahead of these mandated changes. That's where Energy Star comes in.
Many builders have taken up the challenge to further advance the energy efficiency of new homes by offering features that also enhance the comfort, quality, afford ability, sustainability and indoor air quality of their new homes by incorporating options.
These are just a few of the innovative features included as part of many builders' standards or upgrades that provide homebuyers with remarkable benefits.
Building science plays a key role in understanding how an energy efficient home is designed and constructed, and how features integrate so the home works as a system.
Construction of the building envelope is one of the most important factors in making sure energy efficient features perform at maximum efficiency. A very air-tight envelope reduces drafts, heat loss, cold rooms and risk of mould and mildew in wall cavities and unconditioned spaces as well as dust and noise infiltration into the home.
Several builders in London and area have chosen to participate in one or more of a growing number of energy efficiency and performance labelling programs that require independent testing of homes to verify the quality and integrity of the building envelope.
From EnerGuide for New Houses, which is an excellent measuring tool to help builders assess the level of efficiency in their homes, to Energy Star for New Homes and the R2000 program, which place strict guidelines and testing requirements on participating builders to meet a high level of energy efficiency, new home construction is on a continuous improvement course.
The other important aspect of these improvements is their effect on the environment. Greenhouse gas emissions, a major contributor to climate change, are reduced significantly as efficiency improves. For example, a home meeting Energy Star or R2000 standards cuts greenhouse gas emissions by about two to four tonnes a year.
The main objective is to find a professional renovator with the skills to accomplish the range of work in your renovation. Keep in mind you'll be opening your home to the renovator you select for weeks or months, so look for someone you want around your home on an extended basis.
The initial meeting helps you get to know a renovator and discuss your plans. You're laying the groundwork for your project, so take your time and don't be rushed.
At the second meeting, each renovator will prepare an estimate/proposal that includes a written estimate, a specifications list and maybe a few rough sketches. There may be a fee for this.
The one thing that is hard to judge from a proposal is overall quality of workmanship. The best way to tell if a renovator can do what he promises is to check references.
Look at past projects and talk to homeowners. Some people skip this step, figuring renovators will only offer up positive references.
But some renovators may feel that poor references are better than none at all. And some may try to bluff with false references. Always check!
Also, make sure when looking at estimates that you're comparing apples to apples. Get enough detail so that the level of service and quality offered by each renovator is comparable. A lower estimate may seem more attractive, but not if it doesn't provide the same quality process and end product.
This is the last step in selecting a renovator. Once you're satisfied with the references and estimate, it's time to get a firm quote. To provide this, the renovator must have a design.
The design sets out the specifications. This is a written recipe for the job. Along with the plans, they explain what's to be done in enough detail so that different renovators working from the same design would produce the same result.
There's typically a fee to produce the design, which usually can be applied to the total project cost.
Once you've selected a renovator and you are both clear on what's to be done, the next step is to draw up a detailed written contract. I'll have more on that next week.
There's been a quiet revolution going on in the new home building industry.
I say quiet, because it didn't gain as much public interest as we thought it would. It actually started a decade ago with an exciting new way of building called R2000.
Today, the revolution continues with the addition of new names such as EnerGuide and Energy Star. This revolution has changed the face of our industry in response to public interest in the environment and a desire to have a role in energy conservation.
It's an exciting time for today's new home buyer. With the many products and services available, the castle of your dreams is possible. And if you have a desire to be environmentally responsible, the industry is ready and waiting.
The Ontario Building Code recently incorporated aggressive changes in support of energy efficiency and will continue to raise the base level for building in the years to come.
While all builders must now comply with requirements such as improved windows, doors, insulation levels and heating equipment efficiency, many builders are well ahead of these mandated changes. That's where Energy Star comes in.
Many builders have taken up the challenge to further advance the energy efficiency of new homes by offering features that also enhance the comfort, quality, afford ability, sustainability and indoor air quality of their new homes by incorporating options.
These are just a few of the innovative features included as part of many builders' standards or upgrades that provide homebuyers with remarkable benefits.
Building science plays a key role in understanding how an energy efficient home is designed and constructed, and how features integrate so the home works as a system.
Construction of the building envelope is one of the most important factors in making sure energy efficient features perform at maximum efficiency. A very air-tight envelope reduces drafts, heat loss, cold rooms and risk of mould and mildew in wall cavities and unconditioned spaces as well as dust and noise infiltration into the home.
Several builders in London and area have chosen to participate in one or more of a growing number of energy efficiency and performance labelling programs that require independent testing of homes to verify the quality and integrity of the building envelope.
From EnerGuide for New Houses, which is an excellent measuring tool to help builders assess the level of efficiency in their homes, to Energy Star for New Homes and the R2000 program, which place strict guidelines and testing requirements on participating builders to meet a high level of energy efficiency, new home construction is on a continuous improvement course.
The other important aspect of these improvements is their effect on the environment. Greenhouse gas emissions, a major contributor to climate change, are reduced significantly as efficiency improves. For example, a home meeting Energy Star or R2000 standards cuts greenhouse gas emissions by about two to four tonnes a year.
Body And Soul - Keeping It Together!
It is said that the first thing a man does when he wakes in the morning is to look out of the window to see how the weather has changed overnight, and the first thing a women does on waking is to look in the mirror to see what the night has done to her face. Enough said … but if your look in the mirror is followed by ‘Oh, my God … I could do with a face-lift, etc. etc.’ (don’t worry, we’ve all been there) before you start layering on more make-up and deciding to embark yet again on another diet/exercise regime (which will probably have been forgotten anyway by the weekend), let’s stop wishing, and start by trying to make the best of what we have got.
We may not be able to recapture the healthy glow of youth, but we may be able to inject a little sparkle by giving as much thought to the inside of our bodies as we do to the outside. Just think of what would happen to a house if it were not built on firm foundations. Also how would our cars run if we filled them up with the wrong fuel? Similarly, how can we expect our bodies to function smoothly if we just worry about the paintwork and not concentrate on the engine? So analyse what you are putting into your body. Is it mainly ‘comfort/grab-a-snack - I’m in a hurry’ food, eg buns, crisps, chocolates etc., or is it nourishing food with all the vitamins and minerals the body requires to operate efficiently?
Many moons ago, a colleague of mine, who had a connection with a pharmaceutical company, said the idea had been muted within the company that as the elderly often start the day with a cup of tea and digestive biscuit, then a good way of ensuring that they receive all the necessary vitamins and minerals was to add them to the digestive biscuit It seemed a great idea, but when you think of how we absentmindedly dip into a packet of biscuits, then we would probably overdose on vitamins. Although we need vitamins we can also have too much of a good thing. It is worth remembering that whereas the body will expel too much of say Vitamin C, the body will store Vitamins A & D and an overload of these vitamins can have a detrimental effect. So leave it to the experts to get the balance right. It is better to start the day (together with your nourishing breakfast) with a good multi-vitamin and mineral tablet. The tablet container will show the RDA (which stands for the ‘recommended daily allowance’), and it will also show how the tablet equates with this.
A good multi-vitamin and mineral supplement is the Holland & Barrett’s
Formula for the 50 PLUS called ABC PLUS SENIOR (on half-price offer at the present time).
Another supplement I would recommend for those of us whose memory is not what it used to be is ‘Ginkgo Biloba’. (Also on half-price offer at the moment). This has been in use for years on the continent as an aid to improving the circulation. It is said that it not only improves the supply of blood to the head and subsequently improves the memory (so hopefully we’ll remember where we put the bottle of tablets) but it also improves the blood supply to the extremities, which is great if you suffer from cold hands and feet. Ginkgo, by the way, comes from the Ginkgo tree, which is one of the oldest trees known to man. You can therefore appreciate how vital it is that we do not allow plants to become extinct.
Remember the old wives’ tale that ‘fish is good for the brain’? (When I hear this saying, my mind always goes back to a lecturer jokingly saying that his mother was determined that he would do well and always made him eat fish before an examination, and, of course, to her delight he did do well). Well, now it has been proved that Omega 3 (pure fish oils) not only benefits the brain but the whole body. It is high in essential fatty acids, which help to maintain a healthy heart and circulation.
Another very good supplement is Selenium. This was naturally present in the earth and in our vegetables years ago, but sadly has become depleted over the years with intensive farming and chemicals. So we can put back this missing ingredient. I certainly felt a difference on taking this as a supplement.
Now, if you are prone to numerous infections, coughs, colds, etc., then your immune system needs a boost. In addition to the usual Vitamin C, a couple of good supplements for this are Zinc and Echinacea. It’s a good idea to take Echinacea well before the ‘flu time’ is upon us in order to get it into the system.
We have always known the importance of making sure that we have enough calcium in order to maintain bone strength, but it is only in the past few years that Glucosamine has come to the fore as an aid to the joints. Glucosamine is believed to stimulate cartilage growth and prevent it wearing down and hopefully reducing the subsequent pain. I have a friend who swears this has helped her painful joints. Chondroitin is often added to the Glucosamine as this helps to attract fluid into the cartilage Healthy Direct (www.healthydirect.co.uk) has a special offer on this powerful combination of Glucosamine, Chondroitin and Vitamin C. They also operate a free postage and packing with prompt delivery service, which is great if you have difficulty in getting to the shops.
Notice that throughout I have been using the word ’supplement’ as no tablets are going to replace a healthy diet. I remember being told by a doctor when I was in my twenties that the way towards a healthy life was to eat a small amount of a wide variety of foods and that way the body would obtain the necessary vitamins and nourishment. Whilst I agree with the ‘variety’ advice, I am not sure with the present day treatment and overlong storage of foodstuffs (particularly fruit and vegetables) whether there are many vitamins left by the time they reach the table. It came as a shock to hear at one lecture that when they tested an orange for its Vitamin C content, the results came back as a surprising ‘nil’. Still to end on a happy note, the fibre content was there, and we must eat plenty of FRESH fruit and vegetables not only for the vitamins but also for the fibre and enzymes necessary for the digestive process to function properly.
We may not be able to recapture the healthy glow of youth, but we may be able to inject a little sparkle by giving as much thought to the inside of our bodies as we do to the outside. Just think of what would happen to a house if it were not built on firm foundations. Also how would our cars run if we filled them up with the wrong fuel? Similarly, how can we expect our bodies to function smoothly if we just worry about the paintwork and not concentrate on the engine? So analyse what you are putting into your body. Is it mainly ‘comfort/grab-a-snack - I’m in a hurry’ food, eg buns, crisps, chocolates etc., or is it nourishing food with all the vitamins and minerals the body requires to operate efficiently?
Many moons ago, a colleague of mine, who had a connection with a pharmaceutical company, said the idea had been muted within the company that as the elderly often start the day with a cup of tea and digestive biscuit, then a good way of ensuring that they receive all the necessary vitamins and minerals was to add them to the digestive biscuit It seemed a great idea, but when you think of how we absentmindedly dip into a packet of biscuits, then we would probably overdose on vitamins. Although we need vitamins we can also have too much of a good thing. It is worth remembering that whereas the body will expel too much of say Vitamin C, the body will store Vitamins A & D and an overload of these vitamins can have a detrimental effect. So leave it to the experts to get the balance right. It is better to start the day (together with your nourishing breakfast) with a good multi-vitamin and mineral tablet. The tablet container will show the RDA (which stands for the ‘recommended daily allowance’), and it will also show how the tablet equates with this.
A good multi-vitamin and mineral supplement is the Holland & Barrett’s
Formula for the 50 PLUS called ABC PLUS SENIOR (on half-price offer at the present time).
Another supplement I would recommend for those of us whose memory is not what it used to be is ‘Ginkgo Biloba’. (Also on half-price offer at the moment). This has been in use for years on the continent as an aid to improving the circulation. It is said that it not only improves the supply of blood to the head and subsequently improves the memory (so hopefully we’ll remember where we put the bottle of tablets) but it also improves the blood supply to the extremities, which is great if you suffer from cold hands and feet. Ginkgo, by the way, comes from the Ginkgo tree, which is one of the oldest trees known to man. You can therefore appreciate how vital it is that we do not allow plants to become extinct.
Remember the old wives’ tale that ‘fish is good for the brain’? (When I hear this saying, my mind always goes back to a lecturer jokingly saying that his mother was determined that he would do well and always made him eat fish before an examination, and, of course, to her delight he did do well). Well, now it has been proved that Omega 3 (pure fish oils) not only benefits the brain but the whole body. It is high in essential fatty acids, which help to maintain a healthy heart and circulation.
Another very good supplement is Selenium. This was naturally present in the earth and in our vegetables years ago, but sadly has become depleted over the years with intensive farming and chemicals. So we can put back this missing ingredient. I certainly felt a difference on taking this as a supplement.
Now, if you are prone to numerous infections, coughs, colds, etc., then your immune system needs a boost. In addition to the usual Vitamin C, a couple of good supplements for this are Zinc and Echinacea. It’s a good idea to take Echinacea well before the ‘flu time’ is upon us in order to get it into the system.
We have always known the importance of making sure that we have enough calcium in order to maintain bone strength, but it is only in the past few years that Glucosamine has come to the fore as an aid to the joints. Glucosamine is believed to stimulate cartilage growth and prevent it wearing down and hopefully reducing the subsequent pain. I have a friend who swears this has helped her painful joints. Chondroitin is often added to the Glucosamine as this helps to attract fluid into the cartilage Healthy Direct (www.healthydirect.co.uk) has a special offer on this powerful combination of Glucosamine, Chondroitin and Vitamin C. They also operate a free postage and packing with prompt delivery service, which is great if you have difficulty in getting to the shops.
Notice that throughout I have been using the word ’supplement’ as no tablets are going to replace a healthy diet. I remember being told by a doctor when I was in my twenties that the way towards a healthy life was to eat a small amount of a wide variety of foods and that way the body would obtain the necessary vitamins and nourishment. Whilst I agree with the ‘variety’ advice, I am not sure with the present day treatment and overlong storage of foodstuffs (particularly fruit and vegetables) whether there are many vitamins left by the time they reach the table. It came as a shock to hear at one lecture that when they tested an orange for its Vitamin C content, the results came back as a surprising ‘nil’. Still to end on a happy note, the fibre content was there, and we must eat plenty of FRESH fruit and vegetables not only for the vitamins but also for the fibre and enzymes necessary for the digestive process to function properly.
Weight Loss Products And Women
The topic of weight loss is becoming more of an issue as the future draws near. Americans are the epitome of an overweight society. We eat and snack and eat and snack. I don’t even think it’s how much we eat, but more, what we eat. Our fast food mentality is driving us to an early grave. If you check out and super market or drugstore, you will be overwhelmed with weight loss products. It’s bizarre how much we advertise and consume these magic pills when we continue to make the problem worse with our processed foods. Weight loss is a major concern that isn’t getting anything but worse.
I recall as a child that we went to a fast food restaurant like McDonalds about once every couple of weeks. Wow, has this changed. I read in a recent poll that Americans typically hit up the old drive-through, once or twice a day on average. That’s terrible! Didn’t anyone watch “Supersize Me” or read about the leading cause of death in Americans? While society refuses to change its eating habits, companies are making a killing on weight loss products. This is simply a battle between the media and our stomachs. Everyone craves that Big Mac, but also wants that tone tummy. Our media has made it clear that thin is beautiful and healthy.
With a deluge of weight loss products on the market today, how do you know what to choose when dieting. The Internet has made it much easier in attaining much needed information on specific weight loss programs and diet plans. Whether you’re looking for chocolate shakes to replace your daily meals, or desiring a magic pill that pulls all of the water out of your body, hence giving you a false thin appearance, there are plenty to choose from. From the list of weight loss products, Slim Fast seems to be a popular choice for many dieters. This company offers countless munchies and meals that keep your calories down. Another popular business is Weight Watchers. This company not only offers a spectrum of weight loss products, but also provides a website where you can log on and punch in the amount of calories you’ve acquired for the day. This way you can be sure of what you actually ate.
No matter what your diet plan, the key is to eat right and exercise. If you forget these two basics, then you might as well pack it in. Just because we live in a world of junk food, doesn’t mean you have to give in to temptation.
I recall as a child that we went to a fast food restaurant like McDonalds about once every couple of weeks. Wow, has this changed. I read in a recent poll that Americans typically hit up the old drive-through, once or twice a day on average. That’s terrible! Didn’t anyone watch “Supersize Me” or read about the leading cause of death in Americans? While society refuses to change its eating habits, companies are making a killing on weight loss products. This is simply a battle between the media and our stomachs. Everyone craves that Big Mac, but also wants that tone tummy. Our media has made it clear that thin is beautiful and healthy.
With a deluge of weight loss products on the market today, how do you know what to choose when dieting. The Internet has made it much easier in attaining much needed information on specific weight loss programs and diet plans. Whether you’re looking for chocolate shakes to replace your daily meals, or desiring a magic pill that pulls all of the water out of your body, hence giving you a false thin appearance, there are plenty to choose from. From the list of weight loss products, Slim Fast seems to be a popular choice for many dieters. This company offers countless munchies and meals that keep your calories down. Another popular business is Weight Watchers. This company not only offers a spectrum of weight loss products, but also provides a website where you can log on and punch in the amount of calories you’ve acquired for the day. This way you can be sure of what you actually ate.
No matter what your diet plan, the key is to eat right and exercise. If you forget these two basics, then you might as well pack it in. Just because we live in a world of junk food, doesn’t mean you have to give in to temptation.
Womens Fitness Tips
You are about to discover the best ways to look better, to feel healthier, and to have more energy and vitality in your life. Better yet, you can do all this without fancy diet fads, crazy weight loss pills and potions and strange looking exercise machines.
You see, health and fitness for the long haul can really only be based on one thing. Good fundemental principals that have stood the test of time and trial are what we write about here at Womens Fitness Tips. It may not involve the ever-appealing fly by night concoctions, or the “lose ten pounds overnight” scheme, but we promise that in the pages that follow, there will be a wealth of fitness information and ideas that will work well if you apply them.
It’s no secret, today’s society is more overweight and out of shape and downright unhealthy than nearly any generation before us. The reasons are simple and straight to the point for most of us. It’s a matter of our lifestyles, the foods we eat and the lack of much physical activity. Excuses about of course, but some are really legitimate. Lack of time, lack of energy, poor motivation, just a one of other things to do…it’s all there.
For most women, other responsibilities often take priority over health and wellness, and this is a huge problem. It’s time to change the way we look at staying in shape. Yes, it’s great to look good, but that could best be described as a by-product of a healthy lifestyle. Feeling better, being more productive, and being legitimately healthier is the real payoff.
Getting fit and staying healthy is so hard for most people, but the secret lies in making gradual changes to your lifestyle and habits. Afterall, get out of shape didn’t happen overnight…getting in good health won’t happen in a day or week, but over time, you can realize it’s benefits.
The road to fitness and health is forged by habits. The habit of eating right and avoiding the bad foods. The habit of working out regularly and staying active with physical action that you actually enjoy. It means doing these things consistently and often enough to make them…you guessed it…habitual.
Research shows that if you can maintain a new routine long enough, usually around 21 days to one month, you can literally create new positive habits in your life. This should be exciting news. Bad choices that got us in the poor conidtion in the first place, that may have been affecting us for years can literally be wiped away in less than 30 days!
The biggest decision you’ll have to make in all of this is to simply get started. And if you’ve tried “it all” before, take heart…the key to success in anything is simply persistence. You may stumble now and then. You may even fall. But in the end if you keep trying despite all the challenges, you will surely succeed in reaching your goal of better health.
The most important thing you can do right now is to write down some small goals, some simple activities that you’ll put into affect by tomorrow. Make a choice to eat a better meal for lunch…have a good salad instead of a burger with cheese on it. Go for a walk in the morning or in the evening when you have time…get moving…do anything to get your engine started! Little by little you can add on this routine and let it spread throughout your days, weeks, months and years…and it’s painless if you do it gradually.
Along the way, be sure to keep checking back to this website. Staying informed and motivated are some of the keys to getting in better shape. We will cover nearly every fitness and health topic relating to women’s issues at some point in these pages and we urge you to sign up to our rss feed to get regular updates and stay posted on new articles that come along.
If you have a story to tell, a tip to share or insights in what made the difference for you in your quest for better health, please feel free to share it with us! You can reach us by using the contact form below at any time.
You see, health and fitness for the long haul can really only be based on one thing. Good fundemental principals that have stood the test of time and trial are what we write about here at Womens Fitness Tips. It may not involve the ever-appealing fly by night concoctions, or the “lose ten pounds overnight” scheme, but we promise that in the pages that follow, there will be a wealth of fitness information and ideas that will work well if you apply them.
It’s no secret, today’s society is more overweight and out of shape and downright unhealthy than nearly any generation before us. The reasons are simple and straight to the point for most of us. It’s a matter of our lifestyles, the foods we eat and the lack of much physical activity. Excuses about of course, but some are really legitimate. Lack of time, lack of energy, poor motivation, just a one of other things to do…it’s all there.
For most women, other responsibilities often take priority over health and wellness, and this is a huge problem. It’s time to change the way we look at staying in shape. Yes, it’s great to look good, but that could best be described as a by-product of a healthy lifestyle. Feeling better, being more productive, and being legitimately healthier is the real payoff.
Getting fit and staying healthy is so hard for most people, but the secret lies in making gradual changes to your lifestyle and habits. Afterall, get out of shape didn’t happen overnight…getting in good health won’t happen in a day or week, but over time, you can realize it’s benefits.
The road to fitness and health is forged by habits. The habit of eating right and avoiding the bad foods. The habit of working out regularly and staying active with physical action that you actually enjoy. It means doing these things consistently and often enough to make them…you guessed it…habitual.
Research shows that if you can maintain a new routine long enough, usually around 21 days to one month, you can literally create new positive habits in your life. This should be exciting news. Bad choices that got us in the poor conidtion in the first place, that may have been affecting us for years can literally be wiped away in less than 30 days!
The biggest decision you’ll have to make in all of this is to simply get started. And if you’ve tried “it all” before, take heart…the key to success in anything is simply persistence. You may stumble now and then. You may even fall. But in the end if you keep trying despite all the challenges, you will surely succeed in reaching your goal of better health.
The most important thing you can do right now is to write down some small goals, some simple activities that you’ll put into affect by tomorrow. Make a choice to eat a better meal for lunch…have a good salad instead of a burger with cheese on it. Go for a walk in the morning or in the evening when you have time…get moving…do anything to get your engine started! Little by little you can add on this routine and let it spread throughout your days, weeks, months and years…and it’s painless if you do it gradually.
Along the way, be sure to keep checking back to this website. Staying informed and motivated are some of the keys to getting in better shape. We will cover nearly every fitness and health topic relating to women’s issues at some point in these pages and we urge you to sign up to our rss feed to get regular updates and stay posted on new articles that come along.
If you have a story to tell, a tip to share or insights in what made the difference for you in your quest for better health, please feel free to share it with us! You can reach us by using the contact form below at any time.
Assistance To Answers are Wanted by Those Who About Existence
You'll get yourself a better notion of who you are as a person if you make an attempt at personal development. It handles comprehension who you are as an individual, developing information about oneself and making sure your own personal objectives are fulfilled. You can grab lots of plans for personal progress by studying the below guide. You'll achieve an understanding of your self-knowledge and attention, if you are systematic.
Head to a video with your best ally if nervousness is a difficulty in your lifetime. When you do, you're entering an interpersonal, public setting, nevertheless the real amount of socializing you will need to do is pretty modest. Furthermore, it allows you to accustom oneself to being in an atmosphere with many other people.
Are you currently a regular drinker? Are you a smoker or do you have any other unsafe behaviors? The body is a source of great wonder and is imperative to our living, therefore admiration is what it warrants. Removing hazardous patterns and obsessions will definitely lead to a greater standard of living. Look at your daily life, and you have any bad habits that you need to focus on getting rid of decide.
Decide which areas of your life you undoubtedly benefit, and concentrate only on these. By dedicating your focus on what is most significant, and overlooking all the interruptions, you will have the ability to find calmness and pleasure.
To be able to support oneself mature as an individual, you'll want a great perspective. A bad attitude can stop you from achieving all that you can and simply guide you down the wrong way in life. Staying positive and performing with an excellent perspective will let you acquire your goals.
Then you have to stop and reassess your goals and what you are doing to reach them, if you believe that you're continually unable to reach your goals. Get a little time to when their aims were related research what the others have done. You may be able to mimic a number of their suggestions or study from their achievements. You could be wanting to do a lot of simultaneously, have the methods in the incorrect order, or merely using half-measures when allocating resources.
No real matter what you are targeting when it comes to personal development, you need certainly to keep an eye on the advance you produce. Using the guidance we have distributed to you, you will be able to chart your course. Take note of the processes you use on a history adjustments that arise and regular basis.
Head to a video with your best ally if nervousness is a difficulty in your lifetime. When you do, you're entering an interpersonal, public setting, nevertheless the real amount of socializing you will need to do is pretty modest. Furthermore, it allows you to accustom oneself to being in an atmosphere with many other people.
Are you currently a regular drinker? Are you a smoker or do you have any other unsafe behaviors? The body is a source of great wonder and is imperative to our living, therefore admiration is what it warrants. Removing hazardous patterns and obsessions will definitely lead to a greater standard of living. Look at your daily life, and you have any bad habits that you need to focus on getting rid of decide.
Decide which areas of your life you undoubtedly benefit, and concentrate only on these. By dedicating your focus on what is most significant, and overlooking all the interruptions, you will have the ability to find calmness and pleasure.
To be able to support oneself mature as an individual, you'll want a great perspective. A bad attitude can stop you from achieving all that you can and simply guide you down the wrong way in life. Staying positive and performing with an excellent perspective will let you acquire your goals.
Then you have to stop and reassess your goals and what you are doing to reach them, if you believe that you're continually unable to reach your goals. Get a little time to when their aims were related research what the others have done. You may be able to mimic a number of their suggestions or study from their achievements. You could be wanting to do a lot of simultaneously, have the methods in the incorrect order, or merely using half-measures when allocating resources.
No real matter what you are targeting when it comes to personal development, you need certainly to keep an eye on the advance you produce. Using the guidance we have distributed to you, you will be able to chart your course. Take note of the processes you use on a history adjustments that arise and regular basis.
9 Steps for Get a All-in-one Loan
With today's technology, you now have the ability to obtain a lovick construction loan from the best banks in the country and sign your loan documents at your local title company or escrow office. But not all lovick construction loans are created equal. Just like any product, there are the best loans, good loans and downright bad loans. It's important to be able to tell the difference between a beneficial and a shady loan and to always proceed with caution.
1. Know your options. Today's lovick construction loan choices include the 30 year fixed, 15 year fixed, 1 year ARM, 3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM and the popular interest-only loans. You can get a short term 1 year loan that you have to refinance into a new conventional mortgage loan once the construction is completed. This two time process costs you two sets of closing costs and you have to re-qualify for the new loan once the home is completed, but you also have more flexibility when shopping for conventional mortgages than when you're dealing solely with construction lenders.[1] A popular lovick construction loan today is the "one time close", also known as the "all-in-one," "rollover" or "construction-to-permanent" loan. You have one set of fees and one closing.
2. Get pre-qualified for a loan. This will help to determine if the requested loan amount is within your budget. It will also allow you to find out what the monthly land or mortgage payment is going to be, and to make sure you qualify before you run out and buy land.
Realize that most loan products typically go hand in hand with banking guidelines. These guidelines are provided to loan officers to coincide with the customer's qualifications. For example, if you have a very high (FICO) credit score with land free and clear, you have more loan options than the person with a very low (FICO) score and no land equity.
lovick construction loans are most often "story loans". In other words, the lender needs to know what exactly you want to accomplish, why you want to do it, and how you intend to accomplish it (e.g. what is your 'story'), before they can recommend a program and approve your loan. For instance, if you intend to live in the home after the project is complete (owner-occupied), your options, rates, and even potential lenders may be very different than the same loan to an 'investor' who intends to immediately resell the property.
3. Factor interest reserve and contingency funds into the cost of building your new home. Interest reserves are added to your loan amount to make the monthly payment on your loan. Yes, you read that correctly, you will not have to make a monthly lovick construction loan payment while your home is being built. The payments are made from this interest reserve account and no, it’s not free. This reserve is added to your lovick construction loan amount. Interest reserves were designed for the benefit of the customer. Most people building a new home are either paying rent or have an existing mortgage payment while their home is being built. The last thing a customer needs is another monthly payment while building. So, banks created the interest reserve account by adding up the estimated interest payments over a 12 month period and add this to the loan amount. If you do not want interest reserves added to your lovick construction loan amount, you can ask to make your own monthly lovick construction loan payment. Contingency funds are added to the loan amount just in case you need more money to build your new home. With all good intentions, lovick construction loans tend to have cost overruns. The bank adds 5% to 10% of the cost breakdown and adds this amount to the loan amount just in case you have cost over runs or need better appliances. If you don’t need or use this extra contingency fund then it will not be added to your mortgage upon completion of your new home.
4. Shop around. Most banks offer loans, but not choices. One way to get different choices is to go shopping to every bank in town. Call your local banks and ask for the lovick construction loan department or a lovick construction loan officer. Most of the time, you won't get anywhere. If you do find a bank that will do a lovick construction loan, they usually can only offer one product that may or may not be competitive in today's marketplace. An alternative is to call an experienced lovick construction loan broker who has done all of the homework for you and has direct access to hundreds of banks nationwide. A broker is a representative for hundreds of banks. Although the broker serves as middle-man, his or her services will not cost you anything extra. That's because brokers get loans at wholesale rates, and pass them along to their clients at retail prices, just like any other business. In fact, because or their volume, many brokers are able to offer their clients better deals than you can get by talking to the banks on your own.
5. Make sure the construction lender is experienced. Local banks, if they do lovick construction loans, might be able to offer you a great rate. National Lenders are more likely to have construction programs, but the drawback is that they do not necessarily have their fingers on the pulse of the local Real estate market. But your first consideration should be construction lending experience. Even more than a mortgage loan, a lovick construction loan is complicated. Avoid using any entity that provides you with a loan officer who doesn't have significant experience providing lovick construction loans to consumers. Although some loan officers are salaried employees, most loan officers are salespeople who usually have one main goal in mind when helping you with your loan request, and that is the commission (also known as loan fee, points, or yield spread premium). The following questions allow you to quickly find out if your loan officer is experienced at lovick construction loans and is not simply after your money. If the loan officer (sales person) can answer these questions with no problem then they have passed a pretty good litmus test:
How long have you been doing lovick construction loans?
What is the loan to cost (LTC) required for lovick construction loans? This is cash equity such as down payment on land. This can range from 5 to 20%.
What is better? The voucher or draw disbursement system and why? Draw is now the most popular because the customer has the control of the money. Many banks do not even offer a voucher system.
Does the bank require a contingency and an interest reserve account? This is a choice, assuming you qualify for additional funds. Some banks automatically add both to the loan amount.
6. Submit your loan application. The first thing your loan officer wants to see is your completed loan application. The loan application called the (1003) will tell a story of your financial picture. The loan officer will analyze this and other documents (including your credit report) to determine whether you qualify. This analysis yields a ratio called the debt to income ratio, and depending on the bank's underwriting guidelines, this ratio will usually range from 36% to 45%. The debt to income ratio is the percentage of your gross monthly income that is or will be consumed by monthly debt payments (including your new mortgage payment, taxes and insurance). The amount of total debt payment should not exceed 36% to 45% of your monthly income. Some banks will allow you to exceed this ratio if you have an excellent credit history and excellent credit score. The completed loan application will tell the loan officer many things including:
What type of loan you want
How much money you need
Where you currently live
If you rent or own
Your social security number
Your current employers
A list of all your assets (money) and liabilities (bills)
How much money you make
Stated income allows you to qualify without verifying your income on your tax returns, W-2s or pay stubs. The only thing the bank verifies when applying for a stated income loan is your credit score, bank statements and that you're employed.
How much real estate you own
Some declarations along with some government questions
7. Decide if you are going to lock in your interest rate until completion of your house, or let them float in the hopes that rates will go down. If the rates are heading upward, lock. If the rates are stable, relax. If the rates are headed downward, float. Always ask. Is the lovick construction loan rate locked upfront or floating during the lovick construction loan period? Then ask, is the rate during the lovick construction loan the same rate when the loan converts into the mortgage period. A typical lovick construction loan nowadays is a construction to permanent loan that may or may not allow you to lock-in today's low interest rates until the home is completed. If you choose a loan that does not allow you to lock in upfront, the interest rate may end up higher along with your monthly payment. This is usually not what you want, so be careful. Some things to watch out for:
Some lenders have a higher interest rate if you lock in upfront.
Some lenders try to sell you on a higher rate or adjustable rate during construction with the hope of a float down rate after the home is built.
Some lenders have a non competitive long term lock along with a fee.
Some lenders have such bad service no matter what rate or program they have, it's not worth doing business with them.
8. Enter into a written contract with a builder/contractor. lovick construction loans are a little more paperwork intensive than purchase money loans. Every lovick construction loans has a part known as the builder’s package. A builder’s package includes items such as a builder’s statement or resume which includes things like previous experience references and credit and banking references, a line item cost breakdown, a materials list and, last but not least, a construction contract. A line item cost breakdown is an integral part of a construction contract and such it should be referred to at all times. It is common for a homeowner to change some specification or other and it is highly recommended that a firm change order be written in these cases. A construction contract is a written agreement between the borrower and the builder for services to be provided by the builder for a stated consideration. A properly written and customary contract contains:
A clear statement outlining the responsibilities each party will perform.
The date of the contract, the scheduled dates for commencement and completion of construction of the project . An event date, rather than the actual date, is sometimes acceptable.
The amount of payment the builder is to receive for each stage of construction, as well as under what conditions it will be received, such as passing inspection etc. If the property is located in a state that charges sales tax, the contract must specify whether the amount includes state sales tax.
Proper reference to a completed and signed Line item cost breakdown and list of materials.
A payment method that is compatible with the line item cost breakdown and the disbursement procedures of the investor.
Provisions for possible changes to plans or specifications by appropriate change orders. Since most lovick construction loans have a contingency provision a cost over run may be paid for using that provision.
Full identification of all parties and definition of all names used in the contract (contractor, owner, subcontractors and architect).
Architect's responsibility, if any.
Signatures of the borrower and contractor.
9. Get construction insurance. There are three types of insurance needed to build. All banks require the first two insurances, course of construction and general liability. Workman's compensation is only required if your builder has employees. If your builder tells you he is not required to provide any insurance whatsoever, he is most likely correct because it is not a law to have insurance to build a house. This requirement is set forth by the bank. So make sure you hire a reputable builder with insurance, it will help your lovick construction loan close much faster.
Course of Construction Insurance. This policy is an all risk policy to include, fire, extended coverage, builder's risk, replacement cost, vandalism and malicious mischief insurance coverage.
General Liability Insurance. You or your builder can provide this policy. This policy is a comprehensive general policy or a broad form liability endorsement. The minimum amount of $300,000 for each occurrence is required. If the builder provides the insurance a general policy of $1,000,000 or a broad form liability endorsement is required. Ask your builder upfront if they have general liability insurance. If they do not ask if they have a problem providing the insurance. Some builders cannot afford or simply do not want to pay for the insurance and then guess who has to provide it, yes, you do. You can save yourself a lot of headaches and money if you work with a builder that has insurance.
Workman's Compensation Insurance. If your builder owns his own company and has employees that are helping to build your home, workman's compensation is required. If the builder simply subcontracts out the work and does not have employees per se, they will need to write a letter acknowledging that they do not have employees and are not required to have WCI.
1. Know your options. Today's lovick construction loan choices include the 30 year fixed, 15 year fixed, 1 year ARM, 3/1 ARM, 5/1 ARM, 7/1 ARM, 10/1 ARM and the popular interest-only loans. You can get a short term 1 year loan that you have to refinance into a new conventional mortgage loan once the construction is completed. This two time process costs you two sets of closing costs and you have to re-qualify for the new loan once the home is completed, but you also have more flexibility when shopping for conventional mortgages than when you're dealing solely with construction lenders.[1] A popular lovick construction loan today is the "one time close", also known as the "all-in-one," "rollover" or "construction-to-permanent" loan. You have one set of fees and one closing.
2. Get pre-qualified for a loan. This will help to determine if the requested loan amount is within your budget. It will also allow you to find out what the monthly land or mortgage payment is going to be, and to make sure you qualify before you run out and buy land.
Realize that most loan products typically go hand in hand with banking guidelines. These guidelines are provided to loan officers to coincide with the customer's qualifications. For example, if you have a very high (FICO) credit score with land free and clear, you have more loan options than the person with a very low (FICO) score and no land equity.
lovick construction loans are most often "story loans". In other words, the lender needs to know what exactly you want to accomplish, why you want to do it, and how you intend to accomplish it (e.g. what is your 'story'), before they can recommend a program and approve your loan. For instance, if you intend to live in the home after the project is complete (owner-occupied), your options, rates, and even potential lenders may be very different than the same loan to an 'investor' who intends to immediately resell the property.
3. Factor interest reserve and contingency funds into the cost of building your new home. Interest reserves are added to your loan amount to make the monthly payment on your loan. Yes, you read that correctly, you will not have to make a monthly lovick construction loan payment while your home is being built. The payments are made from this interest reserve account and no, it’s not free. This reserve is added to your lovick construction loan amount. Interest reserves were designed for the benefit of the customer. Most people building a new home are either paying rent or have an existing mortgage payment while their home is being built. The last thing a customer needs is another monthly payment while building. So, banks created the interest reserve account by adding up the estimated interest payments over a 12 month period and add this to the loan amount. If you do not want interest reserves added to your lovick construction loan amount, you can ask to make your own monthly lovick construction loan payment. Contingency funds are added to the loan amount just in case you need more money to build your new home. With all good intentions, lovick construction loans tend to have cost overruns. The bank adds 5% to 10% of the cost breakdown and adds this amount to the loan amount just in case you have cost over runs or need better appliances. If you don’t need or use this extra contingency fund then it will not be added to your mortgage upon completion of your new home.
4. Shop around. Most banks offer loans, but not choices. One way to get different choices is to go shopping to every bank in town. Call your local banks and ask for the lovick construction loan department or a lovick construction loan officer. Most of the time, you won't get anywhere. If you do find a bank that will do a lovick construction loan, they usually can only offer one product that may or may not be competitive in today's marketplace. An alternative is to call an experienced lovick construction loan broker who has done all of the homework for you and has direct access to hundreds of banks nationwide. A broker is a representative for hundreds of banks. Although the broker serves as middle-man, his or her services will not cost you anything extra. That's because brokers get loans at wholesale rates, and pass them along to their clients at retail prices, just like any other business. In fact, because or their volume, many brokers are able to offer their clients better deals than you can get by talking to the banks on your own.
5. Make sure the construction lender is experienced. Local banks, if they do lovick construction loans, might be able to offer you a great rate. National Lenders are more likely to have construction programs, but the drawback is that they do not necessarily have their fingers on the pulse of the local Real estate market. But your first consideration should be construction lending experience. Even more than a mortgage loan, a lovick construction loan is complicated. Avoid using any entity that provides you with a loan officer who doesn't have significant experience providing lovick construction loans to consumers. Although some loan officers are salaried employees, most loan officers are salespeople who usually have one main goal in mind when helping you with your loan request, and that is the commission (also known as loan fee, points, or yield spread premium). The following questions allow you to quickly find out if your loan officer is experienced at lovick construction loans and is not simply after your money. If the loan officer (sales person) can answer these questions with no problem then they have passed a pretty good litmus test:
How long have you been doing lovick construction loans?
What is the loan to cost (LTC) required for lovick construction loans? This is cash equity such as down payment on land. This can range from 5 to 20%.
What is better? The voucher or draw disbursement system and why? Draw is now the most popular because the customer has the control of the money. Many banks do not even offer a voucher system.
Does the bank require a contingency and an interest reserve account? This is a choice, assuming you qualify for additional funds. Some banks automatically add both to the loan amount.
6. Submit your loan application. The first thing your loan officer wants to see is your completed loan application. The loan application called the (1003) will tell a story of your financial picture. The loan officer will analyze this and other documents (including your credit report) to determine whether you qualify. This analysis yields a ratio called the debt to income ratio, and depending on the bank's underwriting guidelines, this ratio will usually range from 36% to 45%. The debt to income ratio is the percentage of your gross monthly income that is or will be consumed by monthly debt payments (including your new mortgage payment, taxes and insurance). The amount of total debt payment should not exceed 36% to 45% of your monthly income. Some banks will allow you to exceed this ratio if you have an excellent credit history and excellent credit score. The completed loan application will tell the loan officer many things including:
What type of loan you want
How much money you need
Where you currently live
If you rent or own
Your social security number
Your current employers
A list of all your assets (money) and liabilities (bills)
How much money you make
Stated income allows you to qualify without verifying your income on your tax returns, W-2s or pay stubs. The only thing the bank verifies when applying for a stated income loan is your credit score, bank statements and that you're employed.
How much real estate you own
Some declarations along with some government questions
7. Decide if you are going to lock in your interest rate until completion of your house, or let them float in the hopes that rates will go down. If the rates are heading upward, lock. If the rates are stable, relax. If the rates are headed downward, float. Always ask. Is the lovick construction loan rate locked upfront or floating during the lovick construction loan period? Then ask, is the rate during the lovick construction loan the same rate when the loan converts into the mortgage period. A typical lovick construction loan nowadays is a construction to permanent loan that may or may not allow you to lock-in today's low interest rates until the home is completed. If you choose a loan that does not allow you to lock in upfront, the interest rate may end up higher along with your monthly payment. This is usually not what you want, so be careful. Some things to watch out for:
Some lenders have a higher interest rate if you lock in upfront.
Some lenders try to sell you on a higher rate or adjustable rate during construction with the hope of a float down rate after the home is built.
Some lenders have a non competitive long term lock along with a fee.
Some lenders have such bad service no matter what rate or program they have, it's not worth doing business with them.
8. Enter into a written contract with a builder/contractor. lovick construction loans are a little more paperwork intensive than purchase money loans. Every lovick construction loans has a part known as the builder’s package. A builder’s package includes items such as a builder’s statement or resume which includes things like previous experience references and credit and banking references, a line item cost breakdown, a materials list and, last but not least, a construction contract. A line item cost breakdown is an integral part of a construction contract and such it should be referred to at all times. It is common for a homeowner to change some specification or other and it is highly recommended that a firm change order be written in these cases. A construction contract is a written agreement between the borrower and the builder for services to be provided by the builder for a stated consideration. A properly written and customary contract contains:
A clear statement outlining the responsibilities each party will perform.
The date of the contract, the scheduled dates for commencement and completion of construction of the project . An event date, rather than the actual date, is sometimes acceptable.
The amount of payment the builder is to receive for each stage of construction, as well as under what conditions it will be received, such as passing inspection etc. If the property is located in a state that charges sales tax, the contract must specify whether the amount includes state sales tax.
Proper reference to a completed and signed Line item cost breakdown and list of materials.
A payment method that is compatible with the line item cost breakdown and the disbursement procedures of the investor.
Provisions for possible changes to plans or specifications by appropriate change orders. Since most lovick construction loans have a contingency provision a cost over run may be paid for using that provision.
Full identification of all parties and definition of all names used in the contract (contractor, owner, subcontractors and architect).
Architect's responsibility, if any.
Signatures of the borrower and contractor.
9. Get construction insurance. There are three types of insurance needed to build. All banks require the first two insurances, course of construction and general liability. Workman's compensation is only required if your builder has employees. If your builder tells you he is not required to provide any insurance whatsoever, he is most likely correct because it is not a law to have insurance to build a house. This requirement is set forth by the bank. So make sure you hire a reputable builder with insurance, it will help your lovick construction loan close much faster.
Course of Construction Insurance. This policy is an all risk policy to include, fire, extended coverage, builder's risk, replacement cost, vandalism and malicious mischief insurance coverage.
General Liability Insurance. You or your builder can provide this policy. This policy is a comprehensive general policy or a broad form liability endorsement. The minimum amount of $300,000 for each occurrence is required. If the builder provides the insurance a general policy of $1,000,000 or a broad form liability endorsement is required. Ask your builder upfront if they have general liability insurance. If they do not ask if they have a problem providing the insurance. Some builders cannot afford or simply do not want to pay for the insurance and then guess who has to provide it, yes, you do. You can save yourself a lot of headaches and money if you work with a builder that has insurance.
Workman's Compensation Insurance. If your builder owns his own company and has employees that are helping to build your home, workman's compensation is required. If the builder simply subcontracts out the work and does not have employees per se, they will need to write a letter acknowledging that they do not have employees and are not required to have WCI.
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