Experts Predict a Hot, Humid and Rainy Summer
Apr28

Experts Predict a Hot, Humid and Rainy Summer

In the wake of 2014’s Polar Vortex, it seems like this summer will bring with it a Solar Vortex, as experts are predicting this will be one of the hottest, stifling, oppressively humid summers in generations. “It looks like it’s going to be an oppressively hot and humid summer for the New York area,” said managing editor of the Farmer’s Almanac Sandi Duncan. The 2014 edition of the annual predicts that the New York area is set endure a blazing summer that will bring higher-than-average rainfalls across the five boroughs. Since 1818, the Farmer’s Almanac has predicted weather with astrological and mathematical formulas that factor in planetary alignment, lunar cycles, and sunspot activity. These formulas, it claims, are correct about 80% of the time. However, according Joe Schumacher, a weatherman with the Gothamist, “No forecast that predicts specific weather for specific days months in advance has any shred of credibility. That sort of forecast, where the exact weather is predicted, shows no skill beyond about ten days and becomes theoretically impossible beyond 2-3 weeks.” That being said, there is some level of agreement amongst long-range weather forecasters that there will be a warming of the eastern Pacific Ocean will develop this summer. Regardless of the bickering over the extent of this summer’s heat, it will certainly be a scorcher, which begs the question of just how to beat it. One of the most obvious ways is to install an HVAC system, or upgrade an old one. The expense of the installation practically makes up half of the price for a new heating or cooling system, and is also one and a half times more valuable than other systems. This means that a new HVAC system will provide an excellent ROI, and perhaps an even higher one with the Solar Vortex coming. In the summer’s blazing heat, HVAC systems will naturally have to work harder to keep homes cool, which can cause some serious issues and even lead to break downs and failures. However, such problems can easily be avoided with a more rigorous maintenance routine. Homeowners looking to beat the heat should have their systems throughly checked at the beginning of the summer, and the filter replaced. It’s also necessary to clean the filters once a month, too. In the end, does it really matter how hot this summer will be if there’s a good solution in place that’s ready to conquer...

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As Big Businesses Receive More Loans, Small Businesses Get Left Behind
Apr28

As Big Businesses Receive More Loans, Small Businesses Get Left Behind

A recent study from the Institute for Local Self-Reliance has turned up some troubling results: American banks are lending far more money, far more often to big businesses than to small businesses. At the end of 2012, just as many businesses were starting to see faint glimmers of recovery, loans to big businesses had climbed by 36% from the year 2000. Small business and micro business loans dropped during the same 12-year period by 14% and 33%, respectively. The Move to Big Business is Somewhat Nonsensical Of the nearly six million employer firms in the United States, 99.7% are made up of fewer than 500 employees. Further, these small and medium-sized businesses — the ones that are unable to find funding for their companies — produced 46% of the nonfarm gross-domestic-product in 2008, the last available year for that data. In other words, despite being the engine that drives the United States economy, the small business community is unable to find the support it needs to survive and thrive in an increasingly competitive time. While on the one hand ignoring the financial needs of small businesses seems self-defeating, on the other, well, it makes perfect sense. An estimated eight out of every 10 businesses close their doors within the first 18 months of operation. Whereas lending to a huge corporation comes with a reasonable amount of assurance lending institutions will be seeing both the principal and hefty interest fees come back to them, lending to small businesses is a much surer way to lose profits. Profit, as you should know, is the name of the game when it comes to lending. What Can SMB Owners Do While They Wait for a Loan? Even as the majority of small business owners are having their loan requests ignored, there are some things they can do to help their businesses through until the financial windfall comes: Invest in a smart, affordable marketing campaign. If no one is going to lend you money, you need to find cheap ways to start making more of it. Internet marketing, particularly that focused on organic search engine optimization, can help you rapidly increase business, without accruing a huge bill. Just remember,organic results are preferred by 90% of web users, so you’ll want to avoid a pay per click campaign. Be smarter with your loan applications. You might be surprised how many businesses have their loan applications refused because they didn’t fill them out the “right” way, or because they didn’t apply to the right institutions. Make sure you explain to your potential lenders — in exhausting detail — where every cent is going. Further, be sure you apply to multiple...

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Actress Kaley Cuoco Opens Up to Cosmopolitan About Breast Implants
Apr24

Actress Kaley Cuoco Opens Up to Cosmopolitan About Breast Implants

In the May issue of Cosmopolitan magazine, which hit newsstands April 8, “The Big Bang Theory” actress Kaley Cuoco shares some candid details. The 28-year-old opened up about her breast implants, which she got in 2004 during the time she starred in the TV comedy “8 Simple Rules.” She referred to her choice to undergo the procedure as “the best decision I ever made.” Over the past 10 years, Cuoco has become the second-highest paid actress on television, earning $11 million in the last year alone for her work on “The Big Bang Theory.” “I love them. I’m super happy. I would do it again in a heartbeat,” she told Entertainment Tonight a few days after her statement made headlines. Breast implants, which have been around since the mid-20th century as we know them, are the most popular cosmetic surgery in the United States. In the last three years alone, almost 1 million women in the U.S. have undergone breast augmentation surgery. Research has shown that about 75% of women who have undergone a breast augmentation procedure say it was “worth it,” making it an effective way for women to feel more confident with their body’s appearance. Despite controversies over the safety of breast implants, FDA regulations and improved technology make breast augmentation procedures safer and more successful than ever. However, it’s still essential for interested patients to make sure their plastic surgeons are certified by the American Board of Plastic Surgery. Doing your research isn’t an option if you are considering any kind of cosmetic surgery. Breast implant surgery can be a great way for you to feel your most confident by enhancing your appearance. If you feel like this might be the right surgery for you, speak with a board-certified cosmetic surgeon in your area...

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Twin Toddlers Drown on Top of Covered Pool in Indiana, Prompting Preventative Actions
Apr23

Twin Toddlers Drown on Top of Covered Pool in Indiana, Prompting Preventative Actions

On Thursday, April 10, two toddlers were found drowning on top of a neighbor’s covered pool in Center Township, Ind. They died soon after being pulled from the pool, according to USA Today. Twins Shaylyn and Jocelyn Spurlock, 2, had wandered out of their home and climbed onto the neighbor’s covered, above-ground pool, Maj. Terry Van Winkle said. Emergency personnel found the twins about 2 1/2 hours after a 911 call was made, and immediately began performing CPR. The emergency personnel transported the twins to Dearborn County Hospital in nearby Lawrenceburg, Ind., where they were pronounced dead. “We are all trained to help people, but it’s just devastating when we can’t do it,” Van Winkle told the Cincinnati Enquirer. “It affects us for a while. Our heart goes out to the families.” Drowning is a tragically common cause of death among Americans. Approximately 10 people die each day due to drowning. It is especially a leading cause of death for children who are less than 5 years old, according an April 15 Huffington Post article. A new study conducted by the Centers for Disease Control and Prevention (CDC) shows that among girls between 1 and 4 years old, drowning is the second most common cause of death from unintentional injury, the Huffington Post reported. For boys in this age group, drowning has been the leading cause of death from unintentional injury since 2005. Swimming pools are the most common places for children this age to drown. The CDC study stated that enrolling a child in formal swimming lessons at an early age is the best way to reduce the child’s risk of drowning. Other preventative steps include supervising children, putting up fences around pools and learning CPR. “The CDC report highlights the need for qualified supervision in all aquatic settings, especially natural water,” said Tom Gill, a spokesperson for the U.S. Lifesaving Association, told HealthDay. The CDC’s report reminds people to allow their children access to water areas that are watched by certified lifeguards, he said. Close supervision by either a parent or babysitter is essential to preventing drowning deaths, the HealthDay article stated. “Parents must maintain constant supervision over children in aquatic settings,” Gill...

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World’s Best Trained Dog
Apr22

World’s Best Trained Dog

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