Beautiful updates and a close walk to Ault Park are just a few of the highlights of this week's Listing of the Week! Click here to see more!
This classic home sits on a quiet cul-de-sac with 1.2 acres of tree-lined privacy. It has wood floors, a gourmet kitchen, a wood paneled study with a wet bar, a living room with cathedral ceilings, and a wall of windows overlooking the yard. It has a screened-in porch, patio, and fire pit area. There is a large master suite wit a second-floor laundry and dressing room. The home has been lovingly updated and maintained, and is just a short walk to Ault Park. This 4 bedroom, 5 bathroom home is listed at $1.275 million.
This listing is sponsored by Ron Erdmann at Guaranteed Rate, the official mortgage professional of Cincy Chic.
Retirement is often regarded as the destination of choice after a long career. But if you didn’t prepare sufficiently, you might find yourself in a position where you need a little bit of extra money to make your retirement more comfortable. Rather than committing to long-term debt that you don’t really need, why not consider looking at a reverse home loan? I’ll break it down for you, to make things easier to understand.
What is a reverse home loan actually?
It is a long-term loan, but unlike conventional loans, you will not be bound to regular, equal, monthly payments until the loan term is over. A reverse home loan will allow you to draw benefit from the money that you have borrowed for the duration of the time that you live in the house against which the money is borrowed, and you will only need to repay the loan at the end of the period.
What is HECM?
This stands for home equity conversion mortgage. Honestly, there is not much of a difference between this and a regular reverse mortgage, except that a home equity conversion mortgage is issued by a state authorised lender, and backed and insured by the state, whereas a conventional reverse mortgage can only be accessed through a private lender, like a bank.
What is a reverse mortgage calculator?
This is a handy tool that lenders make use of to calculate their clients’ financial standing, before granting them a reverse home loan. This tool takes factors such as your house’s age, overall condition and physical location into account. It helps a reverse mortgage lender to calculate the percentage of the home’s total value that you would be eligible for, as federal laws prevent you from borrowing the full equity value of your house in the form of a loan. Remember that, if you have an existing home loan in place, you will have to use funds made available to you in the reverse home loan to pay off the existing home loan first, before your lender will grant you access to the remainder of the funds in your reverse home loan.
In what ways can I access my money?
A reverse mortgage is exceptionally flexible, and you can access the money in the way that best suits your needs. Whether you choose a single bulk payment upfront, where the entire amount is paid over to you in one go, or a line of credit which lets you access the amount you need when you need it (similarly to the way a credit card would have worked), the choice is yours, based on what you need. You can even set it up so that you take receipt of your money in stipulated monthly amounts, mimicking what a monthly salary would have been for you during your earning years. This last option is often very popular, as it gives people some form of predictability and control over their monthly income, and is very useful for those who prefer to set a budget.
Thanks to both social media channels and dedicated sites/apps for finding travel buddies, if we want to go somewhere, we don’t necessarily have to depend on friends, relatives or even family anymore! Like everything else in the world though, this prospect comes with two sides; good and bad. In case you too have plans to go on a trip with strangers in the near future, wait until you have gone through the following points.
Be it via Instagram, or through dedicated traveling groups on Facebook, it’s easy to find traveling partner/partners for exploring nearly any place that one might possibly want to see. Then, of course, there are the more dedicated traveling applications such as TourBar and GAFFLE for the frequent travelers.
Neither do we need to wait for the convenience of friends or family nor do we have to commit to a trip that we don’t want to or don’t have the time to be on. The whole idea centers around finding travel buddies instantly, or at least within a very short time, which eliminates the need to plan a trip months ahead, although that can also be done and is recommended if you want to save a good chunk of money on your trips.
Being ardent travelers themselves, the people from such sites are not only less likely to complain about harsh situations, if and when they appear during your travels, but it’s quite possible that you will have a few expert outdoorsy types in your group to help the whole group out of most untoward scenarios quite effectively. After you have been with a traveling group on social media or a dedicated traveling app for a few years, you too will become a veteran traveler yourself by learning from them. Also, by then, it’s very much possible that you will have multiple well-acquainted traveling groups to rely on every time you feel the need to go on a long hiking trip or dive deep underwater in your scuba gear.
Until that time comes when you have made yourself a few groups from your travels, you would essentially be traveling with strangers. That can be a bad idea for so many reasons. Although it would be in poor taste to distinguish between men and women, there is no denying the fact that the dangers are significantly higher for women in such scenarios.
Your travel partner could very well have a violent felony record against them, or they could be a registered sex offender. Men are not safe either, especially if the stranger or group of strangers decide to rob them in the middle of nowhere. Since criminals like that usually do not leave behind any witnesses, disappearances are common for both men and women. In fact, sexual predators and organized criminals often use these sites to lure clueless travelers into their insidious plans.
Granted that such incidents are rare these days, thanks to both travelers and the websites being particularly careful about who they let into the group, but every once in a while, unfortunate cases are still reported, so it pays to stay alert.
What Can We Do to Travel Safely on Such Trips?
In order to travel safely with people that you hardly know, the most important step is to do a small background check to see if there really is anything in your potential traveling partners’ municipal court records to be alarmed about. Check all of your travel partners’ municipal court records on a site like Public Records Reviews first, before deciding whether it’s safe to go on that trip or not.
Municipality court records can contain vital records, property records, criminal records (including sexual offenses) and even details regarding whether the person was found guilty or not at court. This is a crucial and legally accepted step that you can take without them ever finding out about it. It falls within your rights to find out more about the people with whom you are going to be spending multiple days together in distant lands.
Aside from checking the public records, you should also practice a few basic safety measures, with the most important one being the act of trusting your instincts. Instincts, sixth sense or gut feelings are scientifically proven to be a collection of senses that go beyond the five primary ones we are taught at school. In other words, your brain or your enteric nervous system (ENS) may have picked up information while meeting your new traveling partners subconsciously and the warning is originating from that.
Perhaps it’s better to just wait and travel with people you trust, rather than complete strangers, but if the wanderlust in you is too great for all that waiting around, be sure to follow the basic safety measures before venturing out on your own with fellow travelers.
The Indian ethnic clothing options are made of the highest quality fibres and designed by professional designers. These tailor-made ethnic clothes provide a glimpse of the culture and heritage of India. Every cloth print is unique and has lively colours that represent the diverse culture of the country. The main goal is that every woman wearing these stunning outfits feels more feminine and cherishes her body. Professional working women break existing stereotypes to encourage every woman in the country to work and fight for their dreams. The most fashionable ethnic clothing from Kreeva lifestyle brings people the freshest Indian fashion trends.
Choosing The Ideal Ethnic Wear
One can either choose to set trends or follow them. With the immense popularity of ethnic clothing among females, designers have set new ways to style them. A good outfit can define the confidence of a person and make a great first impression. This is why people must choose trendy outfits. There are several ways by which one can style their ethnic outfit to make it look chic and elegant by accessorizing it in several ways.
Trending Ways To Style Ethnic Clothing:
1. Kurta with a denim jacket- A denim jacket is one way to accessorize both western clothing and Indian ethnic clothing. A new trend has been going around of styling plain short kurtas with loose-fitting blue denim jackets. There are several varieties in denim jackets too. They can be printed, ripped or have some embroidery work done on them and they also have variation in sizes- from oversized to loose fitting. It is perfect for styling winter ethnic clothes as it adds an extra layer of warmth during cold days. It makes the outfit look smart and completed. One can also wear fitting denim jackets according to their comfort.
2. Long breezy palazzo pants- These pants are a new comfort ethnic wear and are widely popular among females. Every female whether they are college-going students or are working women can effortlessly pull off these pants. They look chic and stylish. It is certainly an excellent way to upgrade mundane office or college outfits. They have also started replacing bottoms like regular leggings or salwar as the new favorite bottoms with kurta or kameez. Style a pair of comfortable palazzo pants with crop tops, short kurtas, or tuck in t-shirts for an elegant look. Complete this look by accessorizing it with earrings with a pair of heels.
3. Vibrant Jaipuri jackets- Jaipuri jackets are all anyone needs to brighten their outfit. Jaipuri jackets have intricate designs and sophisticated mirror work on them which makes it look beautiful and unique. The embroidery work done on these jackets is a skill acquired by the men and women of Western India that had been passed down for generations. These men and women work hard from home and spend hours perfecting the small details on the jacket which makes it special. It makes the jacket look lively and proudly represents the culture of Rajasthan. Style this jacket with ethnic outfits or semi ethnic outfits for an overall Indo-western look.
4. Sharara pants– These comfortable, stylish pants have become one of the latest Indian fashion trends. They come in a variety of colors and can be styled with kurtas or blouses. These pants were originally worn during wedding functions, but because of its attractive looks and design, simpler versions of it have been manufactured for daily wear purposes. They have layered endings that add a dramatic flair to the outfit. These pants are famously worn by Instagram influencers and celebrities. One can pair sharara pants with a contrasting kurta and dupatta that is the same color has the pants to style it with statement accessories.
5. Crop top but make it ethnic– crop tops are a western element of fashion style, which has gained a lot of popularity in India. Female teenagers and young adults alike are seen styling their crop top with a pair of high waisted jeans or denim skirts. However, the latest Indian ethnic clothing trend of mixing ethnic crop tops with any bottoms, breaks all stereotypes about Indo-Western clothing. Short, printed, and beautiful ethnic crop tops are styled with jeans, colorful palazzos, used as blouses for sarees, etc. This trend is great for summer fashion outfit ideas for an exquisite ethnic summer fashion look book.
6. Lustrous and ruffled ethnic clothing- Weddings are a huge part of Indian culture. and who doesn’t want to look their best at a function as auspicious as a wedding? Everyone wants their outfits to be designer and based on the latest fashion trends. Shiny tones have started becoming a trend at weddings. Most of the wedding dresses are made of smooth and lustrous silk threads which give the outfit a subtle glow at night-time and daytime. Ruffle designs are also part of the ongoing trend. Ruffles are added to lehengas, sleeves of blouses, and kurta to give it an ‘it’ factor.
7. Floral prints- Floral print outfits and accessories are favored by most of the females as it looks aesthetic and at the same fashionable. One can wear floral prints kurta, skirts, or sarees to blend floral print and ethnic clothing in the most contemporary way. Plain and simple accessories like pendant chains and pearl studs complete the floral outfit ethnic look.
To sum up, there are many more ways in which one can choose to design and style your ethnic outfits. These were just the top seven trending ones. Indian ethnic clothing is a deep-rooted part of the Indian culture and always will be. Designing an ethnic dress to create a new style has always been an Indian specialty. Dive deep into the different and unique cultures from every state of India with ethnic clothes. Surf through the websites on the internet today, to find some gorgeous, unique, stylish, contemporary, and comfortable Indian ethnic apparel.
The lockdown cannot last for long. Many psychologists and sociologists agree that this was an excellent time for many people to understand themselves better and to harmonize communication with family members.
In fact, this was also the time for people to try something new or to grow professionally within individual spheres through online courses and projects. Statistics claim that the number of people applying for a class on, say, Coursera came up. Those who were not interested in getting theoretical knowledge applied for numerous pieces of training and courses.
One of the most popular requests was cooking. Newcomers aimed at learning how to make each dish delicious, more experienced ones tried to improve their knowledge.
Dishes from foreign countries and recipes with unusual ingredients became popular as people had more free time to look for some unusual foods like cbd wax on the Internet. Moreover, this has become a kind of entertainment for them, but cheap products were the priority.
In fact, it would have been strange if a person wanted to buy not very cheap cbd wax when the whole world is suffering from crisis, the unemployment rate is springing up, and many companies are getting closed. Also, most of the dishes are made for personal consumption and people try not to overshoot the budget.
What is CBD, and why is it popular?
CBD is an abbreviation for cannabidiol, which is one of the elements of the cannabis plant. In the plant, it is combined with other active and inactive ingredients, the collective effect of which can be either positive or negative for a human body. CBD is said not to be psychoactive, though its interaction with the brains has not been totally studied yet.
The fact is that CBD does not make a person high, which means it can cause no psychological addiction as THC – the other cannabis element – does. In addition, its relaxing, anti-inflammatory, calming, and pain-relieving properties make it a great tool at struggle with side effects of such serious diseases as cancer, diabetes, epilepsy, and more.
Firstly, CBD has gained its popularity after doctors started using it for therapeutic purposes. However, only with the rising popularity of vaping devices, cbd wax – the substance for vaping that includes CBD has become popular. As a result, the Internet reeks with advertisements like ‘cbd wax for sale’ and ‘cbd wax legal’ nowadays.
Cannabis-infused foods are not popular nowadays, but its fame is rapidly growing. In fact, CBD manufacturers have understood the threats of vaping and know that the more people change to a smokeless lifestyle, the fewer they will buy cbd wax. Simultaneously, they know that people seek relaxation tools in this ‘rat race’ life, so CBD-infused food is about to go over big.
3 Top CBD recipes
Nowadays, guacamole is one of the most popular dishes worldwide. The reason is that its main component – avocado – is rich in lean fats. Lean fats are essential for proper body metabolism. Besides, the recipe is quite easy, and even inexperienced in cooking, people can prepare this dish. CBD-Infused Guacamole is a new trend for those who are eager to try something new and choose to use CBD in order to relax and get calm. For an average portion, you will need:
Step 1. Prepare the ingredients. Peel, halve and seed an avocado. Dice an onion. Seed and dice a tomato. Mince garlic clove. Chop fresh cilantro leaves and jalapeno pepper.
Step 2. Mash an avocado in a bowl with a pestle and add the salt, cumin, garlic, cayenne pepper, cilantro, onion, jalapeno, tomatoes, and lime juice.
Step 3. Stir everything so that it looks like a smooth paste and top the mixture with CBD oil.
Step 4. Stir again.
Step 5. Cover the bowl with a plate and let it draw for 2 hours at room temperature.
Note! Even the best cbd wax for vaping cannot be used instead of CBD oil used for food.
2. Banana Cream Pudding Parfait
Banana Cream Pudding Parfait infused with CBD is the sweetest position in our rating, but not less savory as the others. Banana is a universal sweetener. The majority of people are tolerant of bananas. Therefore plenty of dishes include this fruit. Pudding is one of the best desserts that a person can prepare in half an hour. The ingredients include:
Step 1. Put all the dry ingredients (flour, sugar, and salt) into a bowl.
Step 2. Whisk in lightly beaten egg yolks with the milk.
Step 3. Put the bowl on a medium fire and 2 tablespoons of the butter. Heat until the substance starts boiling. Slowly whisk while heating until the substance gets thick and remove from the heat.
Step 4. Whist in banana and vanilla extracts. Add CBD oil as well.
Step 5. Layer banana slices with pudding. Repeat until the serving dishes are full.
Step 6. Cover with wrap and chill for 2-3 hours.
Step 7. In case you want. Decorate pudding with chocolate, heavy cream, wafers, or any other topping.
3. CBD Coconut Water Ice Cubes
Coconut Water Ice Cubes infused with CBD gets the first place because this can be a constituent of so many cocktails and refreshing summer drinks, which is extremely topical today. The second point is that it is the easiest recipe ever. All you need is:
Step 1. Add a few drops of CBD oil into coconut water.
Step 2. Shake the container to mix.
Step 3. Pour the mixture into an ice cube tray and put it into the freezer.
To sum up, CBD consumption becomes quite widespread throughout the world. The majority of CBD consumers are those who use cbd wax for vaping devices. Usually, it is one of the ways people find the opportunity to use CBD in their private lives. However, some have heard about CBD because of some illness or even used it as a part of therapeutical treatment.
CBD is effective against some side effects caused by severe illnesses such as epilepsy, cancer, diabetes, and more. Also, some people look for the opportunity to consume CBD after they come back from travels to the countries where CBD is legal. One of the most famous countries with free legal access to CBD is the Netherlands.
Quick Ways to Instantly Increase Your Career Prospects
If the average person spends over 8 hours every workday, that’s thousands of hours a year dedicated to your job, and nothing else. If you’re going to be giving a third of your career to your profession, it makes sense that you’d want to get the most out of it. Unfortunately, it’s not always easy to track down the perfect job opportunity. Economic conditions, changes in the marketplace, and countless other factors could mean that you end up wandering down a career path that you’re just not that excited about. If you’re sick of not getting enough out of your job, the following strategies might help.
Build on Your Education
Not everyone looks forward to going to college or university after school. It can be daunting to consider daunting extra years of your life to your academic pursuits. However, the truth is that getting a student loan to further your education could be one of the best investments you ever make. Pursuing higher education gives you a unique opportunity to develop skills in areas that make you much more attractive to the leaders of tomorrow. With a degree, you can boost your chances of being able to apply for jobs that you actually enjoy, rather than just whatever might be available. What’s more, you can pursue things that you’re genuinely passionate about.
Make a Plan
Making a plan won’t guarantee that you’re going to end up exactly where you want to be five years from now. However, having a strategy for what you’re going to do in the years to come could mean that you’re more likely to accomplish your goals. Sit down with a pen and piece of paper and ask yourself what you want to do with your professional life. Is there a specific job that you would really like to do? If so, what do you need to accomplish to reach that goal? Will you need to start in a different position and work your way up, or can you improve your education and go from there? On the other hand, you might decide that you eventually want to be your own boss. This could mean that you develop a strategy for saving cash until you have enough to invest into your own business.
Say Yes to Opportunities
Finally, if you really want to get the most out of your career, then you need to make sure you’re not just sitting back and waiting for great chances for growth to come to you. Whenever you have a chance, go out and pursue the things that you want to accomplish. This could mean buying tickets to an industry event that you’ve always been too nervous to go to. Other strategies that could open you up to greater chances of success include networking whenever you can and getting to know people in your field. When your boss asks if you’re willing to take on a new project or try extra responsibilities, say yes. Embracing opportunities may mean you need to work harder at times, but it will also open more doors for you.
Drug addiction is a problem that affects more than just the individuals that struggle with it. Its effects are also felt by family members, coworkers, and friends. Essentially, the problem is more than the abused substances. Users of prescription and illegal drugs deal with compulsions and cravings. They also face issues like depression and anxiety.
The Connection between Addiction and Depression/Anxiety
A person is said to have a dual diagnosis when they have a mental health problem co-occurring with substance abuse. Unfortunately, many individuals with the dual diagnosis do not get treatment because they are prevented from doing so by their mental health issues. What’s worrying is the fact that when a person fails to seek treatment for a mental health condition or addiction, their situation gets worse.
Nevertheless, individuals with co-occurring disorders can get help by searching for the phrase ‘inpatient drug rehab near me’ online or contact with centers like https://addictionresource.com/drug-rehab/locator/. Inpatient drug rehab is a facility where individuals that are struggling with drug addiction receive treatment and counseling to regain control over their lives. Currently, many rehab facilities provide treatment for co-occurring disorders. This entails treating both substance abuse disorder and mental health problems simultaneously.
Co-occurring disorders present challenges when it comes to recovery. That’s because each has symptoms that may be difficult to differentiate. What’s more, substance abuse and mental health problems affect each other. As such, their simultaneous treatment is the most effective treatment approach.
A 2016 survey revealed that there are more than 8.2 million individuals in the United States alone that suffer from a mental health disorder and drug addiction. However, only 7.4% of those with dual diagnoses receive treatment for drug addiction in a professional setting.
Drug addiction and conditions like depression and anxiety, as well as, relapse are connected in several ways. Their common sources include:
Managing Stress and Anxiety in Healthy Ways
Stress, anxiety, and other mental health conditions are linked to addiction. That’s why a person may search for ‘drug rehabs near me’ when they feel stressed or anxious and they use addictive substances. Nevertheless, dealing with stress and anxiety requires a person to condition their mind and body. Here are some of the factors that a person should focus on to condition the body and mind to deal with stress and anxiety without drugs:
Nevertheless, some individuals need professional help to deal with stress and anxiety. That’s why some people search for ‘drug rehab near me’ online especially when they think addiction is a factor in their depression problem.
Beating Depression in Healthy Ways
When depressed, a person can feel hopeless and drained. Turning to alcohol and drugs can’t help a person feel more hopeful and happier. Professional help can help an individual overcome depression. Here are tips that can help a person beat depression without medication.
Searching for ‘drug rehab centers near me’ online and undergoing professional counseling might not be enough for some people. A depressed person can also enhance their recovery by doing these things.
Addiction is related to mental health problems like depression and anxiety. But, some people don’t know this when asking, ‘where do I get drug counseling near me?’ Nevertheless, the best treatment facilities take an integrated approach to treat co-occurring disorders like addiction and depression. This involves encouraging individuals to do the things discussed here to enhance their recovery.
When athletes find something that works, they stick with it. When the Farm Bill was enacted in December 2018, CBD became a legal compound that could be used for relaxation and pain relief. After the release of the good CBD news more athletes have come forward and feel comfortable sharing their experience with CBD, including celebrities like Mike Tyson and Jake Plummer. These athletes are using CBD for all kinds of issues including pain relief, encouraging relaxation, soothing anxiety, and reducing inflammation.
1. Mike Tyson
One of the more famous supporters of CBD oil, the former boxing champion Mike Tyson has promoted CBD for years. As he got older, he turned to CBD for pain relief, as he had multiple joints and back issues. He strongly believes in the powerful effects of CBD and knows that they can help athletes or anyone with sore muscles.
2. KC Deane
KC used to be a dual-sport athlete, but his main focus was competitive mountain biking. He was one of the fastest in the country. While he gained fame in the industry for his skills, he has also been recognized for his film, “Blank, the movie.” He has talked about how he uses CBD for pain management after suffering multiple injuries. He also has said that CBD helps him with recovery from these major injuries.
3. Jake Plummer
After being in the NFL for years, the star-studded quarterback Jake Plummer retired and began using CBD oil to manage his joint and cartilage pain. He underwent multiple hip surgeries, which were incredibly painful. Since starting his regimen of CBD, he has become an advocate for the pain reliever and even co-founded the organization Athletes for Care. This organization looks at alternative treatment options for athletes, which include CBD.
4. Nate Diaz
The UFC fighter Nate Diaz has suffered a few injuries in his line of work. He is very open about his usage of CBD oil and how it has helped with inflammation and healing from major injuries. Since he must train rigorously every day, he says that CBD aids in pain management, allowing him to continue intense workouts even when he has pain in his shoulders and back.
5. Jay Williams
The NBA star Jay Williams started CBD after he retired. Throughout his career, he had a few injuries, which resulted in inflammation. However, he says that CBD relieves that pain, and there are many other benefits to using these products besides pain relief. It also has benefits for skin and anxiety, according to Williams.
6. Rick Upchurch
For many years, Denver Broncos player Rick Upchurch was a lead scorer in the NFL. However, he was diagnosed with leukemia and started chemotherapy in order to treat his disease in 2011. Over the years, he has been through multiple surgeries and began using CBD as a way to relieve pain and get rid of nausea from the medications that he must take. Even though he has beaten leukemia, Upchurch says that CBD is a part of his daily lifestyle now. He said that it was unlike any other medication and truly helped when nothing else would.
CBD Oil Before or After a Workout
You can try both and see what works best for your needs! It could be just the thing you need to stay focused and relaxed during your workout and after your training can help soothe tight overused muscles. You can try adding CBD oil into your physical therapy routine as well after consulting with your doctor to see what’s best for you.