Monthly Archives: November 2017

Here’s How to Wear Your Engagements Ring

Man hiding his wifes eyes to offer her an engagement ring for a marriage proposal“Will you marry me?”

These three words will surely make you giddy, happy, and romantic all at the same time. And after you say “Yes,” you will then let the man of your dreams lift your hand and put the engagement ring on one of your fingers.

This is undoubtedly a milestone in your life, and you will want to tell everyone it. But there is a problem: you don’t want to appear like a showoff, especially if you are given a diamond ring from Utah.

Don’t let this dilemma keep you from wearing you’re wearing. Here are some tips:

Choose your wardrobe

As ring as an accentuating style element (or the cherry on the top), you need to make sure that dress you will put on will complement the spark of your ring. For one, if you have a crystal clear diamond, you should wear colorful attire, although pretty much anything can go with it.

Stay subtle

If you do not want to be loud with your attire, go subtle with what’s in your hand. What you can do at this point is get the nail color that will match your ring. Have your nails colored that will highlight the shine of the ring. Refrain, however, from getting too much polish, as it will distract the onlookers from the shine of the diamond.

Mix and Match

Go back to basics and do what you have learned from personally styling yourself with jewelry. Match your ring with a nice bracelet or another ring. But make sure that the stone of the complementary jewelry is not that shiny. Otherwise, you will keep the attention of the onlookers from your ring.

These are just some of the things that you can do to wear your engagement ring. Let your personal style do the talking.

Hiring the Right Professional For Your Hospital

HR manager interviewing young man in officeWith the demand for reliable healthcare experts currently on the rise, it has never been more challenging to find the right staff for your medical facility. Given the fact that medical malpractice costs hospitals billions of dollars in lawsuits, you can’t afford to miss the mark in your hiring process.

Here are four easy tips on how to find best personnel:

Work with a reputable staffing agency

Staffing agencies vet candidates, ensuring that they only keep trustworthy people on their list. Whether you are looking for full-time doctors or you wish to offer locum tenens physician jobs, a medical staffing agency is your best partner. There are many of those around the country, most of which are available online.

Enhance your recruitment procedures

You medical facility’s hiring department needs to reexamine their hiring processes and find any loopholes they should fix. Where do you post your job advertisements? Reliable medical sites can help you land top talents. In addition, ensure that you conduct comprehensive interviews so you get the most qualified individuals.

 Provide residencies and internships

Instead of offering employment on a long-term basis, consider starting residency programs. Typically, residencies last about two years. During this time, you can decide whether an individual is right for your hospital. You may also provide internships to individuals who are less experienced. This gives you the opportunity to choose the best people to hire.

Keep an eye on new employees

Use the first few weeks to monitor your new doctors and nurses. This is the time to evaluate their work habits, attitude, and bedside manners. Doing so helps you decide whether they are the ideal practitioners for your hospital.

The last thing you want is to recruit the wrong medical personnel for your hospital. By being diligent in the hiring process, you can ensure that your patients receive the best health care.

Clean Kitchen And Dining Room

Ways to Keep Your Kitchen Clean and Organized

Clean Kitchen And Dining RoomTruth be told, the kitchen can be one of the messiest rooms at home – and for good reasons. This is where your mother cooks. This is where your father spills milk during midnight. This is where the kids play with their food.

Despite the perceived reputation, it does not mean that it will have to stay that way for a long time. Cleaning your kitchen should not be difficult, especially if you have the time and means at your disposal. If you want to keep your kitchen squeaky clean and organized, here are some of the things you might want to keep in mind.

Keep it clutter-free.

A lot of times, the kitchen is messy because the things are all over the place. Knottyaldercabinets.com says to keep the clutter at bay by having shelves where you can put your kitchen items. Go for hooks and floating shelves if you want to save space. If you want to make your kitchen modular, why not invest in ready-to-assemble cabinets?

Always have the mop ready.

Kitchens are always prone to spills and a wide variety of mess. What you can do to mitigate this is by wiping the mess off as soon as possible. As such, you must make sure that your wipers are always within your reach. Invest in a good mop that can easily absorb different types of liquids and solid dirt.

Have a segregated trash can.

Keep the trash organized by having segregated bins. You can divide your bins into two categories: recyclable and “for compost.” Teach the kids in the house to throw their trash properly. Those that are thrown into the recyclable bin, such as plastic containers and the like, can be sold to junk shops or repurposed.

These are just some of the things you ought to keep in mind if you want to keep your kitchen clean. Have everyone in the house participate in this effort.

 

Types of Adjustable Rate Mortgages

MortgageThere are various mortgages on the market for homebuyers. One of the popular options is an adjustable rate mortgage (ARM), which is also known as a floating rate or variable rate mortgage.

In an ARM, your interest rate varies over the life of your mortgage. The rate is reset periodically based on a scale known as an ARM margin. Depending on your mortgage lender in Lake Oswego, an ARM can take different forms.

Here are the most common types of adjustable rate mortgages:

Hybrid ARM

This is a mix of adjustable and fixed-rate period loans. Hybrid ARMs have a fixed interest rate for a specific period after which the rate varies. They are often advertised in two digits. The first figure indicates the period for a fixed interest rate while the second indicates how often the rate will change. A 5/1 loan, for instance, means a fixed interest rate term of 5 years and an annual adjustable rate after that.

Interest-Only ARM

The payment plan of an interest-only ARM allows the borrower to pay interest only for a specified term. The loan has small monthly payments initially, but these increase once you start repaying the principal and interest. The interest rates adjust throughout the loan term.

Payment-Option ARM

This option allows the borrowers to choose the best payment option for them. A conventional payment option means you pay the interest and principal over a set period. You can also opt for a limited payment. With this option, you may pay a lesser amount than the interest you owe. The balance is however added to your principal; therefore, increasing your loan amount and subsequently, your future monthly loan payments.

Depending on prevailing interest rates, you might end up with low-interest rates in an ARM. The initial interest rates are also lower than other mortgage rates. In addition, you can make higher loan payments during the fixed period to reduce your principal.

Interior Design Tips for Your Workspace

A modern office workspaceThe average British worker spends up to 40 hours at the office per week. That is a great amount of time to invest in the workplace. No wonder then that companies work closely with interior designers in efforts to create a work environment that not only makes their employees feel more comfortable but also increases their productivity.

Experts from Whiteleys Office Furniture list some of the factors you need to keep in mind to transform your workspace into a healthy environment for your employees:

Function

Look for ways to maximise the efficiency of your workforce. Consider the number of employees working in the office, their hierarchy, company departments, and other office amenities, such as kitchen and restrooms. There should also be properly designated spaces for collaborative activities, such as conference rooms and boardrooms. The workspace must reflect and build on your company culture. Some companies go so far as to ensuring that the same design elements are upheld in all of their offices and branches, thereby creating brand resonance, which is felt by employees and customers alike.

Lighting

A workspace cannot be well lit enough. There is always the possibility of improving the current lighting conditions. Naturally then, lighting must be kept in mind when looking for ways to enhance your office design. If your office lacks large windows for letting direct sunlight through, it makes sense to invest in energy-efficient lighting solutions to minimise the long-term electric costs of this decision.

Colour

The right colour elements bring out the best in your limited office space. Pick a colour combination that instils life in your space. Bright colours, such as yellow, orange and red, can foster creativity and happiness. While you are at it, you should also look for furniture and office art that complements the colour scheme of the office.

Licensed Conveyancers vs. Solicitors: Is There Really a Difference?

Big Ben and Westminster Bridge at dusk, London, UKWhen selling, or purchasing a property in England, you are required to appoint a property lawyer to represent you.

Choose a Licensed Conveyancer controlled by the Council for Licensed Conveyancers or a Solicitor regulated by the Solicitors Regulatory Authority first, then you can compare conveyancing expenses and costs.

Both are entirely controlled, insured and function to the same conveyancing procedures and practices.

The Responsibilities

Licensed conveyancers are dedicated property lawyers who mostly accept residential conveyancing responsibilities, while some undertake probate and commercial property work. All licensed conveyancers are office-based to guarantee consistent and great client communication every time.

Meanwhile, property solicitors do not specialise in conveyancing and assume other responsibilities. This includes personal injury and matrimonial work besides conveyancing.

This generally means that they are either out of the office or in Court when you need them, which causes frustration towards client communication.

Some solicitors specialise in conveyancing and are a part of the Law Society Quality Standard that makes them a counterpart of Licensed Conveyancers.

The Fees

The variations between conveyancing costs charged by Licensed Conveyancers and Solicitors do not differ that much. If you do try to compare the average conveyancing costs, Licensed Conveyancers offer a much cheaper and reliable service.

This economical rate can be quite inviting, but make sure that you get the best possible service there is. Do keep in mind that the strain of selling or purchasing a property could get even worse if you choose an undependable conveyancing service.

If you find yourself seeking a Solicitor or Licensed Conveyancer, understand the differences between them first. This way, you will know what to expect with their responsibilities and how much everything will cost you.

Just make sure that you choose the one that prioritises your needs and does not see you as just another client on their sleeve.

3 Fuel Integrity Issues to Confirm With Storage Tank Manufacturers

oil and gas workers in front of large fuel storage tanksAmongst the factors that can affect the quality of the fuel you store in your storage tanks include water, microbes and by-products of ageing fuel.

Once these agents compromise the integrity of your stored fuel, the equipment that will use the fuel may develop mechanical problems. That may further cause you to incur more costs in repairing the machine, or in a lawsuit that your customers may file against you for offering them poor quality fuel.

Here are some of the problems you need to watch out for:

Particles in Stored Fuel

Always confirm with your storage tank manufacturer if they install well-fitting filters at the inlet of every storage tank to filter out small particles and other contaminants. Avoid using galvanised tanks to store fuel for long periods because the fuel may react with the zinc alloys and form particles that contaminate the stored fuel.

Water in Stored Fuel

Water can further compromise the quality of fuel in storage tanks. You should ensure that the storage tanks you order come with desiccant breathers. With this feature, you will not only keep the inside of your tank moisture-free; the desiccant breather will also get rid of airborne debris.

Microbes in Stored Fuel

Microbial activity typically thrives best under slightly high temperatures, even up to a 100° Celsius. But it would be more costly and dangerous to maintain fuel temperatures above that. The safest alternative would be to ensure that the tanks have enough padding to insulate them from extreme temperatures and minimise condensation to reduce microbial growth.

Turning the Tanks

You also can have a storage tank that you can turn the fuel inside to minimise moisture and microbe problems. But such tank sizes will largely depend on the contingency requirements and the particular applications of the storage tanks.

Make sure your storage tank manufacturer consider and provide solutions to these problems when producing your tanks. This way, you can be sure that you will have near zero issues of microbes, particles and water in your stored fuel.

Divorce costs a lot, yet there are ways to cut expenses

torn piece of paper with divorce text and paper couple figuresThe cost of filing for a divorce can be just as expensive as marriage, although the latter can be quite daunting as it often catches you by surprise.

Marriage requires you to spend the time to prepare a budget. On the contrary, some people may not afford to be divorced, simply because it would be strange to establish a budget for it long before the marriage turns sour.

Cost Cutting

Despite the significant costs, there are ways to reduce the expenses related to your divorce. If you live in Colorado, finding the right divorce attorney in Boulder will require you to scout for many lawyers before knowing which one fits your budget.

Some lawyers may allow you to pay fees based on an installment plan, which will be very useful for those that are unable to pay upfront charges. Others also agree to work on a limited scope representation, such as only appearing in court to represent you in a single hearing. In the end, you ultimately decided the best cost-cutting measures for your case. The high cost of divorce could be one reason why more Americans have decided to remain single.

Expensive Vows

Opportunity America and the American Enterprise Institute’s research showed that married life has become a mark of social status, amid a huge gap in the marriage rate between the rich and poor. The marriage rate for poor Americans aged 18 and 55 years old sharply fell to 26% from 51% in 1990.

While money seems to be the main issue, there are other reasons for the drop in marriage rates. For instance, there are fewer jobs that can support marriage for young adults without college degrees, according to Andrew Cherlin, a sociologist at Johns Hopkins University.

Conclusion

Divorce will require you to spend money, which is why you should be financially and emotionally stable before embarking on a plan to tie the knot.

Outfitting Your Building with the Right Sunscreen

Men planning to have a building sunscreenIn business, profit can make you ahead of other companies. However, creating a mark and leaving a good impression on customers will not only provide you with recall but with word of mouth, allowing prospective clients to seek out your company’s services.

How sunscreens can strengthen your business

Building sunscreens are useful architectural features that give shade to your building. These specific design elements also offer protection from the sun, regardless whether it’s during the warm summer months or wintertime. Made from aluminium, wood, as well as a wide range of different materials, these attributes can also set your property apart from the many structures erected in your area. Below are other ways sunscreens can be beneficial to your business:

No need for blinds

Once your sunscreens are in place, you can forego using window treatments or blinds. This can substantially lessen the expenses you normally set aside for these features.

Apart from providing shade and protecting the people inside your building from the extreme heat of the sun, a sunscreen or roof overhang can also give additional protection to the exterior of your structure. The paint used for your property can last longer, and if your office is made of wood, sunscreen can prevent it from looking faded and worn down.

Better-regulated temperature

Because sunscreens deflect heat from directly being absorbed by your windows, the temperature inside your building will be better regulated. This can result to substantial control over your electricity costs.

By regulating the temperature in your office, you will also be providing your employees with a more comfortable space to work in. Employees who are relaxed and contented will be more productive. In the long run, gratified employees can be instrumental to the prolonged existence of your business.

Easy to find

With a distinctive sunscreen element added to your building, customers can easily find it and make their way to your office. This distinguishing factor can greatly help in the success of your business.

These are just some of the ways building sunscreens can be advantageous for you and your business. Choose to invest in these architectural structures so you can enjoy and reap the benefits now.

Water: The Perfect Beverage For Your Oral Health

Small boy drinking a glass of waterYour teeth need more than just daily brushing and flossing. If you want to do your whole mouth a favor, it is best to drink more water. Other than fighting cavities, fluoridated water can keep your teeth strong and prevent different mouth problems.

Here is how water benefits your oral and overall health:

Fights Dry Mouth and Associated Risks

Saliva doesn’t just help your mouth fight decay; it can also assist you in swallowing with ease. Another good news is that it carries minerals that rebuild your teeth’s enamel surface. Without enough saliva, you may have a dry mouth, which increases your risk for tooth decay. Smile Designs Dentistry, as well as the top Manteca dentists, note that water can help you combat dry mouth and avoid other issues related to it.

Cleans Your Mouth and Reduces Acid Attack

There is no other beverage that can rinse your mouth and keep it clean. Water does not only quench your thirst; it also washes leftover food debris and particles that are known to cause cavities. The opposite thing happens when you drink soda and other sugary beverages. Other than leaving sugar on your teeth, they produce acids that can attack and wear away the enamel.

Helps You Lose Weight

Water doesn’t have sugar. This means choosing this beverage over others reduces your risk of unwanted weight gain. Studies also suggest the drinking more water can help you lose weight. It helps boost your metabolism, serves as an appetite suppressant (if consumed before meals), and cleanses your body.

Water is the best drink for your teeth and overall health. It is still fine to consume other beverages such as coffee, tea, and fruit juice, but they shouldn’t be your go-to or preferred drinks. It is also a good idea to rinse your mouth with water after drinking such beverages and after a meal. Brushing at least an hour after eating should be your goal, but if this isn’t possible, drinking water is beneficial.