All posts by Sandra Langel

How to be the newbie in a fitness class

Congratulations! You made fitness a goal in your life and have joined a gym. If you are thinking about signing up for a cardio class, there is no reason to be nervous. Just go for it. It can be a wonderful way to exercise. You are not only guided by an expert, you also have the energy of the group to keep you motivated. However, remember that it is something new, so you will be outside your comfort zone. Apprehension is normal, but do not let that stop you.

In order to ensure that your first fitness class is not your last, be sure to let the instructor know before class begins. He or she will be able to give you pointers and tell you what equipment you may need. In addition, it will also ensure that you get a bit of added encouragement and he or she will keep an eye on your form.

Another thing that you will need to overcome is the thought that everyone will be looking at you. The truth of the matter is, everyone is there for them and they will be concentrating on themselves. Therefore, it is recommended that you place yourself toward the center of the room. This will enable you to be surrounded by non-newbies and you will be able to see your form in the mirror. Plus, it is a good spot for the instructor to keep an extra eye on you.

Remember, everyone in that room, regardless of their level now, was new at some point or another. That being said, it is important to keep in mind that it is a class and not a competition. Comparing your abilities to the person next to you can set you up for injury. You should never do anything you are not comfortable with or give into peer pressure. Remind yourself that everyone is different and everyone’s bodies respond differently.

Therefore, if there is something that you cannot do yet, please do not try to do it. That is how many beginners get discouraged and/or injured. Most classes are accommodating for all levels and instructors offer options during the workout. However, if you are shown an exercise and some additions for the advanced people, do not add the advanced moves during your first class. You will end up taking on more than you can handle because you want to keep up with the person next to you. In order to avoid injury and burnout, it is best to progress slowly and listen to the instructor.

Two more things to keep in mind as you venture into your new boot camp class, listen to your body and do not give up too fast. It is easy to get swept up into the music and the energy of the room. However, you need to stay tuned into your body because only you know how you are feeling, and what you are ready to handle. If you feel as though you might pass out or throw up, you are pushing yourself too hard. Take a break, breathe, and be sure to stay hydrated. Oh, and try the class a second time before you throw in the towel.

Tips for choosing healthy meal delivery

Recently, the market has become swamped with meal delivery services. Most claim to make your life easier and healthier. However, before committing to any plan, there are a number of steps you should take to ensure that you get what you pay for.

The first thing you need to do is figure out your priorities before you start shopping around. For example, if you’re a picky eater or enjoy more standard American-style or comfort foods, look for options that will fit your tastes. In addition, if you follow a specific diet, be sure that the service you plan on using offers meals for it. Many offer selections that are vegetarian, gluten or dairy free. In addition, many give you a bunch of different menu choices to select from each week. Finally, find out if you can add items, like dessert or the like. Just be prepared to pay more for them.

The next step in choosing healthy meal delivery is calculating the true costs. You need to stick to the same budget you do at the grocery store. While the prices of the weekly subscriptions may look less expensive, many times they’re only delivering three meals per week and these meals do not generally provide enough food for leftovers. Therefore, you may still need to purchase other food and snack items at the grocery store.

Finally, decide how much, if any, cooking you are able and willing to do. When reviewing companies that offer healthy prepared meals, be sure to check the options that are available. For example, if you love cooking and experimenting with new techniques, you would probably prefer a company that will send meals that are more intricate to make, as these meals may be more fun to prepare and you may learn some new cooking skills. On the other hand, some companies offer prepared meals that require little to no preparation and only need to be reheated or assembled. This is great for someone not interested or comfortable with cooking.

Another thing to look out for is businesses that require big upfront payments.  Weekly or monthly payments help to limit your exposure if the business experiences financial difficulties and/or if their services fail to meet your expectations. Also, be sure to read the business agreement in full and make sure you understand the terms before signing up. Pay close attention to refund policies, cancellation of service policies, and automatic fee withdrawal policies. Ask about what happens if you move or the company goes out of business and if your meal plan renews automatically at the end of the term. Additionally, you need to know if you can get out of the contract altogether and under what circumstances.

Finally, check bbb.org and social media in order to read what current and previous customers have to say. You should also look to see how the businesses you are interested in respond to complaints. Then, select a business with a track record that is worthy of your support.

 

 

Find your unclaimed mineral royalties

The holidays are over and the credit card bills are about to come rolling in. Most everyone could use some extra cash right about now. You may be in luck. The state may be holding your mineral royalties and waiting for you to claim them. If you think that may be the case, or if you are just curious and hoping for the best, there are a number of steps you can take to find out if there is cash in your future.

 

Each and every state has unclaimed property laws, also known as escheat laws, which require companies that are holding unclaimed or abandoned property to turn that property over to the state. Once the unclaimed property is reported to the state, it then maintains custody of the property until the rightful owner appears and claims the property. In fact, many states have adopted laws that allow the state to use unclaimed funds in order to finance education and other programs. They only need to maintain a small amount of property to pay owners who appear.

Currently, most states have unclaimed property laws that explicitly include and define minerals proceeds wherein unclaimed property laws do not apply to the underlying real property or mineral interest itself, but just to the payments due in exploiting those rights.

Fracking increases the likelihood that mineral rights were abandoned because it greatly increases the value of previously unprofitable. Most of it was previously considered worthless. Companies and county assessors may, therefore, have outdated owner information. This is particularly true if the mineral rights were sold or passed to heirs who viewed them as worthless.

Therefore, your best bet is to do a search online. If you go to the website for the state in which you believe you have mineral rights, you will be able to search mineral holdings. Most states have websites that are specifically set up for claim research.

You will need to enter as much information as possible on the family members that you believe may have held mineral rights. Be sure to do this in the state where they lived. You will also be required, to have both the first and last name of the former owners. It is also helpful to know where the mineral claim was located, and when your family members owned the mineral rights at that location.

If you do find that a relative was selling mineral rights, you will need to submit a claim for any and all unclaimed royalties you find. You must do so by following the procedure on each state’s website. Be sure to include as much information as you can about your relationship to those who owned the claim. You may also need to submit proof of your relationship to the person who owned the claim, along with your inheritance rights. Once you have submitted your claim online, that state’s mineral rights department will contact you. Be aware that they may request additional information or proof of relationship.

Latest residential roofing trends

Just like every other facet of life, there are trends in the roofing industry. It is no longer just tar and shingles up there. Now you can have solar shingles or green roofing and heated or aluminum gutters with gutter guards. If you are looking for a new roof for a new house or because you are in need of roofing repair, then you should ask about the latest and greatest so that you know it will last for a good long time.

Solar Shingles

These shingles are tiny solar panels. They are designed to convert light into electricity. By installing a batch of at least 350 solar shingles, you can cut your household electric bill by 40-60 percent. In addition to lowering your utility bill, solar shingles are also an attractive option in terms of appearance. They are nearly invisible, and establish a sleeker, more modern look to your residential roofing.

Heated Gutters

If you live in an area that is prone to frigid winters, it might be advantageous to consider installing heated gutters in order to protect your home from damage from to snow and ice buildup. They can help prevent residential roof repair caused by shingles that become severely worn down by the presence of icicles. These icicles can cause small shifts that can lead to leaks and flooding as the temperature rises.

Green roofing

One of the best options in roofing is green roofing or growing a vegetative layer on your roof. This style of roofing has plenty of environmental and energy benefits that are making it a popular trend for homeowners, even if they are not gardeners. When you grow plants on your roof, they will act as natural insulators for your house during the summer months. The heat is absorbed by the vegetative layer and helps to keep your home cool during the warm weather. Furthermore, the Environmental Protection Agency states that this type of roof can help eliminate air pollutants and greenhouse gas emissions.

Aluminum Gutters

If you do not live in a cold enough environment for heated gutters, the newer models of aluminum gutters have fasteners and joints that are specifically designed to minimize leaks. In addition, aluminum gutters can also effectively streamline water to irrigate nearby plants or your lawn while dispersing water away from the foundation of your home.

Gutter Guards

Attaching a gutter guard is the quickest and easiest way to ensure your gutters stay clog-free, while also making leaks and flooding the last thing on your mind without having to install a new gutter system. Gutter guards are designed to keep unwanted debris out of your gutter, thereby allowing water to disperse safely away from the foundation of your home. They can also help you save money by eliminating the repair costs associated with roofing repairs and drywall damage from flooding.

Roofing and gutters have come quite a way from tar and shingles. Ask your roofing repair professional what he or she recommends for your home. You will be the envy of the whole neighborhood.

What are Insurance Software Solutions

 Insurance agency software solutions allow indemnity companies to offer their customers instant access via phone, tablet, and computer to services their services. In addition, while allowing consumers to get to their policy information, these systems also enable insurance agencies to comply with intricate regulatory demands and also keep costs down.

They also help insurance agents and underwriters better us their time because this software can take over many monotonous functions such as document management and policy transactions, as well as assisting with fixing issues, making cancellations, reinstatements and renewals, endorsements and more, easier to complete and keep track of.

Furthermore, by using agency software, insurance company executives can keep better track of their clients, agents, policies and office information. There are also software systems that keep track of the administrative side of insurance companies.

The insurance software solutions is a lucrative industry that took in over $8 billion in 2016, alone, according to the market research company IBIS.  According to IBHS, the industry increased its annualized rate in the five years up to 2016 by 0.4%. says. Additionally, over the next five years, the growth rate is projected to increase to almost 4%. Therefore, by 2021, revenue will reach nearly $10 billion.

The type of software used depends on the services that the company provides. The more popular types are policy management software, claims management software and analytic software which helps detect fraud and determine insurance quotes.

One of the reasons that this software has taken off is its ability to organize and analyze industry data. By doing so, Insurance companies are better able to identify and manage fraudulent claims. This is important because the Insurance Information Institute estimates that the industry looses over $32 billion each year to fraud. That is almost 10 percent of the property-casualty claims that were made in 2016.

Moreover, the III reported that while 95 percent of insurers say they use antifraud technology, about half are prevented from fully implementing these systems due to a lack of technological resources. However, at the beginning of 2016, it was reported that more than 25 percent of insurance companies were using predictive analytics to address fraud. In the next two years, that number is expected to jump to more than 70 percent.

In fact, some of these programs can interpret claims adjusters’ handwritten notes and is also able to scan a claimant’s social media accounts for suspicious activity in nearly real time. This, along with other changes shifts the focus from the claim itself to the individual filing the claim.

One caveat to remember is that data collected is not always accurate or easily manipulated. As with many other interests involved in data collection, there are also privacy concerns and uneasiness in allowing access to personal information. Therefore, it alone cannot be solely relied upon in instances of fraud.

As with pretty much every other industry, in order to stay on top, those involved in the insurance industry is constantly improving its software and other computer systems.

How weather affects roof repair

It’s winter and that means coats, hats, heat, and if you are lucky, a fire in the fireplace. Hot chocolate does not hurt, either. What does hurt is sitting at the kitchen table and suddenly having snow land on your plate while lazily enjoying Sunday breakfast, especially if it does not come from either a silly child or a dog shaking itself off after being outside. If it is not your child or dog, then you know you need to call someone for roof repair.

 

So, you get a few names from a few friends and relatives. Then, you go online and check them out. You make sure that they are all licensed and insured. You check their standings with the Better Business Bureau, as well as the reviews on the company site and social media. This whittles your list down to two or three. So, you ask all three to come out and give you an estimate.

The representative from each company comes out and lets you know that you should replace the entire roof and not just the part that failed and landed in your oatmeal. You groan because you know it will not be cheap and then you ask a more important question of whether or not the job can be done now or if it will have to wait for warmer weather.

Each of the residential roof repair companies gives you a different response. This is because there are many factors to consider when setting up a roofing job for the middle of winter. First and foremost is the actual temperature on the roof. You have to remember to include the wind-chill when deciding if you and your crew can work outside as no one will be happy freezing while they are working. Generally speaking, 20 degrees is the lowest temperature they will work in.

It is not just people that are affected by the cold. Compressors and nail guns can be affected, as well. The humidity in the compressor can turn to ice and cause the nails to not be driven in correctly.

Another thing that has to be considered is if there is ice and snow on the roof. Not only will someone have to remove it, but the roof will remain slippery after it is gone. This means it is even more dangerous to be working on the roof.

Finally, when determining whether or not your residential roofers can replace your roof this winter, the manufacturer of the shingles needs to be notified. Shingles become more brittle in the cold and the glue may lose its adhesiveness in the cold. The manufacturer is responsible for the self-seal to properly bond to the roof when activated. The roofing contractor is responsible for making sure the crew is comfortable enough to apply the shingles properly and that the temperature or countermeasures taken are sufficient to have a constant airflow to avoid overdriven or underdriven nails.

The crew leader is responsible for determining if the roof is tabbing correctly and if cold weather precautions need to be taken. Most of the time the job can wait until it warms up a bit. It depends on the seriousness of the situation.

Alternatives to traditional office space

If you are looking for an economical office space, you have several options to choose from. You can try and find a nice building with affordable rent (good luck) or you can choose a serviced office or virtual office space. There are pros and cons to each of these and you have to decide which is right for you and your company.

Traditional office space

 

This is, exactly what it says it is.  You rent private space that only your company and employees can use in an office building that also houses other companies. You are responsible for your office and you have to hire employees including a receptionist to answer phones, take in the mail, and escort clients to your office or conference room.

 

Additionally, you will probably have to set up the phone system and the WIFI and get furniture, as well. Leases tend to be long, up to five years and the space is generally large, generally over 1,000 feet. While this is good for large corporations, it is generally more difficult for those just starting out, need more flexibility, or are in a satellite office.

 

Serviced offices

 

Serviced offices can also be referred to as executive offices. They offer you office space without hassle. You share common areas with other companies. These include access to conference rooms, a kitchen, lounge area, janitorial services, and a full-time receptionist, as well as a prestigious mailing address. In addition, you do not have to set up the phones or WIFI and the furniture and artwork are already there for you.

 

Leases on serviced offices are often more flexible and can go month-to-month or for as long as two years. It is generally more affordable as there are no start-up costs and the rent is lower than traditional office space. However, it still maintains the air of being professional.

 

Virtual Office Space

 

If this is still too much for you, then an excellent option is virtual office space. Virtual office space allows you all of the amenities of an executive office suite, but only when you need them. If you do not have to be in an actual office for 40 hours a week this may be your best option. You can come and go as you please and there is always someone to answer the phone and take in your mail.

 

With this setup, you have access to boardrooms, conference rooms and meeting offices. You can also take advantage of a full line of support services. Virtual office space is best for those that work from home including sole practicing attorneys and road warriors. These services are also beneficial for both start-up businesses and companies expanding into new markets. You get the many of the benefits of a private office at a much lower cost.

 

It is important for you to what and how often you need physical space in which to do business, and what is best for your budget. Flexible office solutions make it so that small business owners can choose exactly what is needed – no more, no less.

Why you should get a bho extractor

Why you should get a BHO extractor

Whether you use cannabis to help with medical issues or you are a recreational user, there is something to be said for solvent extraction or using a butane extractor to create a concentrate. This concentrate has up to 90 percent THC. It is, therefore, more potent than traditional marijuana.

Additionally, there are differences in the effects, pain relief properties, and possibly other important ways not discovered yet, as well.  Often these concentrates seem to make people’s pain just disappear whether they are inhaled or part of an edible. If a concentrate is given to an alcoholic or those that are addicted to other drugs, it seems to make their withdrawal symptoms  disappear.  Furthermore, it is easier to regulate the dosage of concentrate than it is of other pharmaceuticals. You can feel much better when you use just a tiny amount.

If you are worried about the harmful effects of inhaling or ingesting butane, several studies show that it has only been a mild irritant to some. Moreover, it can be found in many household everyday items including hair spray, cooking spray, and flavor extracts. Should you accidentally overdose and use too much concentrate, you will probably experience an uncomfortable feeling or possible be paranoid or anxious for some time. However, there are no long-term effects.

Should you decide to purchase a BHO extractor, be sure to get some training on how to operate it. The most dangerous part of the extracts is their production. Furthermore, it is best to buy a closed loop butane extractor. Since all of the butane remains in the extractor it cannot get out into the air and cause an explosion or fire.

Regardless of the type of extractor you use, the process should be done outside. You should leave any and everything that can cause static electricity far away from where you intend to work because it can cause an unintended explosion.

Additionally, you need to purchase high-grade butane. You should never use the butane that is intended for lighters or is used when camping. It contains chemicals that smell. These are added so that leaks can be detected. These chemicals will alter the taste and purity of your extract and can be harmful if ingested.

To further ensure that there is as little butane in your concentrate as possible, it must go through a purging process.  If you opt for a closed system, it will vacuum out the butane and store it so that it can be reused.  You just need to be sure that all of the seals are completely closed and that the vacuum is strong enough.

When done properly, BHO is an excellent alternative to the traditional joint, especially when one is too sick to smoke it or is in a place where it is either illegal or socially unacceptable to light one up. It is believed that as time goes on and cannabis becomes more accepted the process by which concentrates are created will become easier and less dangerous.