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/ Gaming

What is Pokémon Go Kyurem? How to catch it?

Before you fully understand the counters, weaknesses and move set of Pokemon Go Kyurem, it is important to understand and know what Kyurem means. There are lots of myths and misconception about this Pokemon and it is crucial to make everything clear towards it so you will know exactly how to deal with it once you encounter it in the game. One of these misconceptions, which is also considered to be the closest to the truth is that after splitting the original legendary dragon of Unova CREATED BY zekrom and Reshiram, there were a few dragon parts left. Such body parts then formed into Kyurem, but the dragon itself was hollow and awaited someone to imbued it. This perhaps, is the reason why Pokemon Black 2 and Whte 2, you are able to fuse any of the legendary Pokemon with Kyurem. Consequently, this will create Blakc Kyurem or White Kyurem. 

Simply explained, kyurem is described as the final member of the Tao trio. Other two members are Zekrom who symbolizes yin and Reshiram which represents yang. Thus, Kurem represents wuji. This can be considered as a limitless void or also known as the non-presence of yin and yang. 

So why is it important for you to understand kyurem? Well, if you know the weaknesses of Kyurem, obviously, you will be able to defeat it and add it to your Pokedex. So let us now go into details about Kyurem. This will help you easily catch the legendary dragon. Basically, Kyurem, belongs to the category or ice-type dragon. This dragon is weak against fairy, dragon, rock and steel type and fighting. You can counter this dragon using Tyranitar, Machamp, Lucario, Gardevoir Metagross, Dialga, Togekiss, Excadrill, Condeldurr and Terrakion. You also have to take notes that Kyurem has a great range of counters for you to choose from. But experts in the game recommend to focus on steel-types as this is the main weakness that both ice-types and dragon have in common. During battle and raids, Kyurem have a few CP ranges. Hence, whenever you have the opportunity to do it, you have to do take it to catch everything. The raid boss cp range of Kyurem usually ranges from 43, 478 CP. While the CP range when being caught ranges from 1975 to 2042 CP. Lastly, the CP range of Kyurem for weather boosted CP range when being caught ranges from 2446 to 2553 CP. Knowing these things will help you to easily catch the dragon.

Moreover, Kyurem moveset in Pokemon Go also needs to be considered Generally, Kyurem Moveset in the game uses wide variety of charged and fast moves/ These include steel wing and dragon breath for possible moves and dragon claw, blizzard, draco meteo for possible charged moves. You can check free pokemon go accounts for more information.

Overall, Kyurem is one of the pokemons in the game that is hard to defeat and catch. But the key to get this pokemon is to knownits weaknesses, moveset and others.

/ Guide

New Zodiac Signs 2020 Not Really New

The new zodiac signs 2020 have taken believers aback. To many, the new zodiac signs 2011 have come out of nowhere, and are threatening their long-held perceptions. They have identified themselves with certain symbols for years, and feel offended at the notion that they are something else. This has made the revised system rather unpopular, ensuring that it won’t catch on by and large. However, the so-called “new” zodiac signs didn’t come out of nowhere, according to many experts.

To most of those who read horoscopes, the news about the altered symbols was a shock. They had likely never heard of the Ophiuchus star, but now it was taking its place alongside Sagittarius, Capricorn, Leo, Virgo and the rest.

As the fury over the new zodiac signs erupted, astrologers tried to reassure everyone that these changes are unofficial. They are unlikely to be adapted by newspaper horoscopes, as Ophiuchus appears destined to be ignored by readers. But it is used to being in the shadows, and ignored by those who know it really does exist

While most of the public is just now hearing about Ophiuchus, the scientific community has always been aware. Astrologer Eugenia Last told the San Francisco Chronicle that Ophiuchus dates back to “ancient times.” Yet astrologers of the past chose by design not to include it in the system.

The controversy over the new signs is nothing new to those who already knew of Ophiuchus. In fact, Last said that it has been addressed “at least once a decade,” but there is no real debate about whether to finally include it. As such, even though it has been fully exposed to the public, it is still on the outside looking in. The compatibility of the person can be checked to meet with the desired results. The confidence is generated to express the feeling and emotions in public. The arrangements at online site should be there to get the right results with Trusted Teller Kundali matching.

Since there are 12 symbols, and 12 months of the year, the old system is a perfect match. Having 13 of them in 12 months appears unusual, which is why Ophiuchus was kept out to begin with. Yet its rejection might have stayed a secret to the outside world, if Minnesota’s Parke Kunkle didn’t expose it.

Even he didn’t believe that the new star sign would be binding, and the public rejection of the changes has guaranteed it. All this story has done is expose an old issue that was settled many, many years ago. But in the age of social media, it is easier for these things to spread to the wider world once they finally get addressed.

After the initial outrage, the new zodiac signs are set to be ignored in favor of the old ones. But this has been the case for thousands of years, and is now probably set to happen for thousands more.

/ Blog

How to Profit from Your Blog

Are you looking for a way to make money on the Internet? Many people today are profiting from blogs and making more money than they ever imagined just by maintaining a blog. I am going to give you some tips to make your blog a profitable one so that you too can cash in on this amazing opportunity.

The key to creating a successful blog is by driving a lot of traffic to it and keeping the readers interest by giving them relevant information to read when they visit your blog. You will need to make sure to maintain your blog by posting at least three times per week and make sure that the content you are posting is relevant and of interest to your readers. This will ensure that they continue reading and possibly opt into whatever opportunity you are offering to them. This will also give you the opportunity to build a loyal customer base and the possibility to offer even more to your continued readers in the future. Many people are using these strategies and making anywhere from $500 to $1000 per day.

One great way to create a profitable blog is to place affiliate links in the body of your blog or your posts. Doing this is easy when you have the right tools to do so. All you really need to do is select great affiliate companies that offer great products or services and write a short review of the company and product. Within the review that you will post on your blog you will include an affiliate link, that will be linked to you so that if anyone opts into this opportunity or purchases the product you will make a commission. Many affiliate companies will offer you anywhere from 50% to 75% commission for the product or opportunity, giving you the chance to make more than the company when someone opts into it.

Another way is to promote affiliate links in the sidebar of your blog. By placing banner ads and picture ads representing the companies you are promoting, you get a commission from any purchase or sign up your link generates for that company. These are catchy and grab your readers attention, so it is yet another simple way to create more traffic to your affiliate company and generate more possible income for you. The blogs related to fashion marketing course should be read through the learner. The selection of the blogs should be done based on Reviews available at online search engines. There should be grabbing of the best opportunity of offer the advantage to the people. The revenue and profit both will be increased with the correct technique. 

In addition to placing affiliate links on your blog, you can place contextual ads for Adsense and Bidvertiser and get paid for people who click on those ads. This is another great way to earn money on your blog because it does not require you to advertise or push people into purchasing or signing up for anything. All they have to do is click on the ad and you get paid. The amount of money you get paid per click ranges from $.03 to $10, so this could be a great source of additional income just for you placing the ads on your blog for readers to click on.

Posting original content on your blog is definitely a great way to make money. Readers don’t want to read the same information over and over again, they want to read something new and interesting every time they visit your blog so to keep them interested you should maintain it with original and interesting content to read. Also, don’t write too much. If you write a book every time you post on your blog you people will lose interest and get bored trying to get through the content that you post, so keep it short and catchy. Tell the reader what they want to know and leave it at that. Again, in the post make sure to include a link to the company you are promoting for the reader to click if they are interested in learning more as well as adding a call to action such as, for more information click here, or check out the testimonials on this site by clicking here.

Last but not least, drive traffic to your blog. Once you have your blog set up and are ready to make money with it you will need some ways to drive a lot of traffic to it. There are many ways to go about this. Here are some great ways to build traffic for your blog for free! First, submit your blog to search engines so it can be indexed into the search engines. This will only need to be done once for each blog you create. Another great free way to drive traffic to your blog is to add RSS Feeds which will help keep updated content on your blog. Submitting your blog to free Internet directories is yet another free way to generate traffic to your blog. I recommend doing this about once every other month to many different directories.

Another way to generate loads of traffic is by submitting an article about your blog to article submitting companies. Don’t just blatantly advertise it, but introduce people to the content of your blog and then tastefully place a link to your blog in the article so readers can follow it for more information if they are interested. Remember the purpose of this is really to introduce your blog, not to advertise. One of the easiest ways to generate instant traffic to your blog is by using Internet traffic exchanges and surfing the net for credits. You earn credits for surfing and you use those credits to have others visit your blog also.

Hopefully, for those interested, this will get you off to a decent start making money with your blog. Remember, have fun with it because this is not meant to be a job, it is meant to be fun. Just because you are making money with it does not mean you have to treat it as if it were a job.

/ Guide

Making HVAC Equipment More Efficient

The day to day operation of a commercial property can put pressure on the environment in many ways. Issues such as waste management, energy usage and resource allocation all play a role in attempting to achieve that delicate balance between the needs of industry and the needs of the planet. And the one area where this may pose the most significant challenge is heating and cooling. According to Environmental Scientist Melissa McCullough with the Environmental Protection Agency “A third of America’s energy goes to buildings and a significant portion of that is for air conditioning and heating of these buildings and that’s a lot of energy use and very often it’s a lot of energy waste because systems are either sized inappropriately or there ducts are leaky, or have other defects. Energy is probably going to be your biggest issue with HVAC equipment, it will have other issues associated with it, indoor mold, indoor air quality effected by mold for example, or sealant leaks can all leak into the indoor environment and produce bad indoor air quality, but the biggest issue really for the greater outdoor environment especially is the energy use that is used by these systems.”

Industry experts agree that increasing the efficiency of HVAC equipment is one way to address these issues. Better filters, high capacity motors and new coolants have been some of the approaches engineers have taken in response. And while these are effective, researchers have discovered a way to improve heating and cooling technology not only on the inside, but out. On the rooftop of the Dolphin Mall in Miami Florida, a unique non-toxic chemical has been applied to the surface of the air-conditioning units. The coating preserves and protects the apparatus, and also enhances its ability to transfer heat.

This is the perfect model of air conditioner to lookout for that you find only in a handful of brands like Blaux, which is why there is a sudden upsurge of demand for blaux portable ac as this latest trend is going to make it more popular among the naysayers. 

Jim Gibson of Adsil the company that developed the product explains. “Microguard coatings of this type are a glass like film that forms by interlocking catalyzed cyloxines, which is basically glass suspended in alcohol. It forms a permanent film about 3 microns deep that chemically bonds to the metal or other surfaces. Chemically bonding means it’s sharing an electron with the oxygen molecule on the surface, and becomes part of the surface and then it now is the surface and it cannot be removed other then using sand paper or a very hard core acid like hydrofluoric acid.” The glass-like coating binds in between the joints of copper and aluminum fins which results in an additional heat transfer area, it keeps the units much cleaner, which makes it more efficient and it keeps the unit from corroding.

And while saving energy and reducing heating and cooling costs are important to any operation, property managers are realizing there are other benefits to the coating technology. Manger at the Mall came to these conclusions. “The advantages of using these coatings in air-conditioning units are several. On the evaporator coil you have the advantage that it’s not going to grow mold, and it’s basically going to provide good indoor air quality. On the condenser section it’s going to prevent the unit from corroding, it’s going to make it last longer. It’s gonna also conserve energy by improving the heat transfer through the evaporator and the condenser coil. The fact that they are not going to corrode, they are not gonna develop leaks that often, and the units will be able to operate longer without having to do that much maintenance on them. So we basically reduce the maintenance up to 50% on the cleaning side and on the fact that the units will break down less. “The industry is making more and more efficient equipment all the time which is great. Says Melissa McCullough. “There is great guidance now through the US Green Building Council on how to develop green buildings and what constitutes a green building and we’re finding that more and more people are developing green buildings as they’re developing office buildings or commercial buildings because they’re finding that for the same or very little more money they can have a building that in the long run saves them a whole lot more money and provides a better living environment at the same time”. These concepts are the hallmark of good corporate citizenship.

/ Health & Wellness

Phonak Hearing Aids are Changing Lives

Hearing is one of the 5 senses we have, yet some people have impaired hearing from birth or other causes. Hearing is essential in order to communicate. For those who have a hearing impairment, the quality of sounds may be too weak or too loud to hear. Assistive technology, like the Phonak hearing aids and medications such as sonus complete, makes listening easier for people with such disabilities.

Hearing aids improve the communication of the user. Although sometimes, some hearing aids, pick up some distracting noises in the background. The Phonak hearing aids provide a solution to this need. They have hearing aids that range from the least, which is the analog, and the best product they have yet is the digital hearing aid.

Analog hearing aids are manually adjusted and do not automatically accommodate the user’s preference. They simply just receive, amplify, and send sounds to the ear of the person.

While the Phonak digital hearing aid is another device they offer which can be programmed through computer software. This device can be pre-programmed and can be customized, which is an advantage for the user.

Digital Phonak hearing aids provide the best quality for hearing aids. With this kind of technology, the user can then acquire a hearing aid that is best suited for one’s personal preference. If a person needs a hearing device, it starts with fitting to provide the specific need of the person.

As you continue the use of Phonak’s hearing aids, with the sounds that you hear you can then set the volume that is best suited in the environment around you. You can also make adjustments when you go to a public place like a football stadium, where loud noises can be heard or from the comforts of your home where the sound is more settled. When you are familiar with the sounds, you can make volume adjustments on your own and the Self Learning technology then applies.

There is also an enhancement that allows you to store information about your choices that is used by your audiologist which is called Self Logging. Another feature is the AutoPilot. This allows an automatic change in any of the preset adjustments in volume. In addition to the enhancement, is the SurroundZoom feature which suppresses distracting sounds which the user hears from the background.

Phonak hearing aids also bring in a tiny version of their aids called the microPower. This device weighs about 2 grams, yet it is powerful enough for people who suffer from hearing loss. This device is BTE, which means it is behind- the- ears and its tiny speakers are placed in the ear canal. Like other BTE’s, the speaker and the microphone are separated. Some parts are positioned behind the ear and on the ear. Indeed, all the micro-style hearing aids are similar in size and weight, which is significantly small and very lightweight. This also holds true with its tubing.

The Phonak hearing aids also come in its usual styles. There are ITR, in-the-ear hearing aids, great use for people suffering from a not too severe hearing loss. Another product is the BTE, behind-the-ear hearing aids which is for children and for users who have treatable levels of hearing impairment.

No matter what kind of hearing aid is used, it could never give back the kind of hearing that was lost or having to hear sounds the natural way. But the new technology that is offered now allows such wonderful change not only to open the world for better communication but for a greater understanding of the world around you as well. To make a difference in your life and others, the use of Phonak hearing aids will surely bring a change.

Buy Your Own Celebrity Fashions: Where to Shop Online and in Los Angeles

It’s easy to see that celebrities always have the hottest clothes and are wearing the latest styles. But it’s easy for them; not because they’re rich, but because they have designers throwing clothes at them, and stylists to hunt out the hippest gear to outfit them with. However, it is possible for us regular folks to have the same style. You simply have to know where the celebrities are shopping and what brands they’re looking for.

The Stores

There are two main shopping areas in Los Angeles to stop if you want to not only buy the clothes the celebs are wearing, but perhaps even meet a celeb. I’m talking about Ventura blvd in Studio City and Robertson in Beverly Hills. The boutique market on Ventura blvd is booming, and since it’s in Studio City, stylists from popular TV shows frequent the area. Stars such as Jessica Simpson, Mandy Moore and Hilary Duff are often snapped by photographers carrying bags in and out of one of the hottest new stores on the street, called Tryst. This hot shop has a style all of it’s own, and prides itself on it’s European flare, which sets it apart from it’s competitors. They carry the latest trendy styles from designers such as Robert Rodriguez, True Religion and Dita. Their prices may go as low as $30, to over $400 for limited designer jeans and cashmere sweaters.

Catwalk Wholesale Women’s Clothing New Arrivals have discounted offers where new celebrities can avail some of the best jeans and sweaters in the market at an affordable price of $40 with the best part being that they have money back guarantee if they aren’t satisfied with what they’ve got.

Robertson is definitely the place to be seen. A week hardly goes by without pictures of Paris Hilton, Lindsay Lohan, Nicole Richie or Mischa Barton carrying their bags from Lisa Kline to Kitson, and perhaps stopping in the middle for lunch at The Ivy. Kitson is easily one of the hottest shops on this strip of boutiques. In addition to carryng the latest trends, they also carry tongue in cheek, celebrity inspired merchandise. Remember the Team Aniston and Team Jolie t shirts? Kitson is where they got their start. On top of that they carry all the hippest brands of denim, like 1921, Antik, Goldsign and True Relivion. Also look for celebrity lines such as L.A.M.B. and Harajuku Lovers by Gwen Stefani, as well as William Rast by Justin Timberlake.

On The Web

Even if you don’t live in Los Angeles, it’s not hard to find out what labels the stars are wearing and where to snag them. which is an ecommerce web boutique with a celebrity slant. They create their own knock offs of trendy pieces celebrities have worn, and they seem to love style icons such as Victoria Beckham and Jessica Simpson. Customers can surf through pictures of the stars wearing similar outfits while shopping for their own version. They have fairly affordable prices, but they they use UK currency, so be sure to convert the prices before deciding on your final order.

Another great online boutique for celebrity clothing is, which is actually owned by soap star Lisa Rinna. The actual location in Los Angelese is frequented by many of her famous friends, and the website even has an As Worn By page where you can basically buy the pieces off the celebrities back! Tons of big names on this page, such as Ashlee Simpson, Carmen Electra, Paris Hilton and Eva Longoria.

So get shopping! You’ll have so much more fun doing it yourself, then letting a stylist do the dirty work for you!

/ Apartments, Guide, Living

Guide To Energy Efficient Apartments

Apartment owners can contribute positively to energy conservation by taking simple measures in places where energy is most easily wasted or lost. There are some good general tips on with important guidelines. This real-life list comes from Robert Barbera of Barbera Properties which operates 26 apartment buildings in cities around the San Gabriel Valley including Temple City, Sierra Madre and Pasadena. Earlier in the year, he told current tenants he’s not raising rents so he can assist them economically. Conserving energy will be one way to help keep rates low.

  • Washers and drying machines

These appliances should meet current standards for efficient water, electricity and gas savings.

  • Exterior lights should be outfitted with energy efficient bulbs.
  • Cover windows with vertical blinds to prevent loss of heat during winter months or heat seeping in during the summer. Caulk and weather strip windows and doors.
  • Water timers on sprinkler systems and air blowers used in common areas are steps to take for water conservation, especially in Southern California where rainfall has been average to less than average during the past few years.  The availability of the water and food should be great with a correct system at Penrose showflat. There is proper rainfall in the location to get the desired results. The spending of the funds should be correct and at the right place.
  • Insulate attics to conserve heat and air conditioning. Attic insulation should cover floor joists to achieve the best results.

  • Landscaping is important for a healthy environment while contributing to comfortable living conditions for tenants. Barbera Properties uses an abundance of trees and bushes to shade apartments, emit oxygen and absorb carbon dioxide. A trellis with a climbing vine can help shade a building while allowing air circulation.
  • Apartment owners who make the effort to create energy apartments can pass along similar tips to their residents on how to use less water, cover windows and be energy-wise.
  • Do you really need all the electronic gadgets? According to your appliances and home electronics are responsible for about 20% of your energy use.

  • Do you leave your computer running all the time or do you turn it off when not in use? recommends turning off your monitor if you’re not using it for 20 minutes or more. It’s recommended to turn off your computer if it’s not going to be in use for 2 hours or more. Their argument is that most computers won’t be affected by turning on and off multiple times. It will be more likely that advances in technology will make them obsolete long before they’re not able to function.
  • Lastly, poll your tenants on ways they save energy. Get them to communicate with you and offer a prize for the best comment. Giving them a chance to stay in touch with you is also good for your business relationship with them.
/ Business

Are GPT Sites Really Worth It? Darby Borough Applies a Quick Fix, but Does it “Raise the Bar”?

Making money online is one of the most sought-after ideas, and one of the most popular ways to do that is through what are known as GPT or “Get Paid To” sites. These sites consist of offers that you complete, which could be a number of things, the most popular being surveys, e-mails, adds, shopping or posting. Let’s go a little in depth to each of these, shall we?

Surveys. I have a hard time calling these surveys, as they are far from surveys that most companies put out to collect information on their product or service. Instead, you know those pop ups that you get advertising a “FREE IPOD!” or “GET YOUR FREE $50 GIFT CARD!” that we all know are scams? Well that’s what you’ll be dealing with here. Basically, you go to these sites, put in your personal information, and then go through page after page of clicking “No” to a million other offers they want you to complete.

After going through a certain amount of pages, the GPT site that sent you there will give you an amount of money, normally less than a dollar. Granted, there are ways around this through throwaway e-mails and phone numbers, fake addresses and the like. But is it really worth all the trouble? Absolutely not. Not only do you have to go through the agonizing process of entering a new e-mail every time you complete each offer, but you also need to close your browser EVERY time, clean out your cookies and then go back.

This is horribly annoying. On top of that, if you don’t enter a fake e-mail and phone number, I can guarantee you’ll be hearing it on your phone, through the mail, and that e-mail address you had? Don’t even try to sort through the spam, trust me. Add all this to the fact that your offers might not always clear (I’ve had offers marked as “pending” for a month now), and it’s just not worth it.

 E-Mails. Many sites, such as, will ask you to read e-mails each day. Simple, huh? The only problem is, each e-mail normally gives you less than a penny unless you complete an “incentive offer” which is normally in the form of the surveys listed above, or something you have to pay for. Granted these sites will give you new e-mails nearly everyday, but even so, it’s not going to rack up enough money to even fill your gas tank.

Adds. This is fairly similar to the paid e-mails, in that you may get a decent amount of adds to click, but each one pays less than a penny. Simply click on a link, leave the page open for 30 seconds or so (sometimes less, depending on the site) and you’ll get the amount added to your account, without having to wait for it to go through pending. This isn’t bad, depending on whether you can open multiple sites at once or not (each GPT site has different rules regarding this). Even so, like above, it’s not going to make you a large amount of money on it’s own.

Shopping. Now this area is fairly difficult, as it’s very situational. Basically, if you buy something from certain shopping sites or portals, the GPT site will give you a portion of the money back (if not all of it). This is a good idea if it’s something you already plan to buy, but it’s very easy to get caught up and end up spending more money that you’re bringing in. Also, many GPT sites give you money back for participating in free trials or ordering samples or products or services. Once again, this isn’t bad if you already planned on doing so, but otherwise, it’s very easy to get caught up in.

You may also consider Douglas Williams Evergreen Wealth Formula review so you’ll get helpful and reliable information on how to make money online. This will also allow you to get some tips and strategies.

Paid to Post. It’s just as it sounds! Post on a forum, and you get paid for each topic and reply. Now this would be great if there were some good forums out there to post on, but 99% of these sites are all mostly spam sites, or ones that are otherwise just very hard to create discussions with. Couple that with the fact that you’re payed a penny or so for each topic and reply, and it’s just not worth your time. Said time would be better invested in taking that topic you were going to write about, and submitting it as an article on some of those paid article sites!

All in all, yes. It could make you money. But it’s just not worth it! The time you would be spending to get a decent income is about the same amount of time you would spend getting the same sum in a paycheck from your average part time job, and probably less tedious! On top of that, it takes so long to sort through the million scams on the web! You can’t get rich without investing some time and effort, so steer away from the “quick money” schemes like this, and stick to the real deal – you won’t regret it!

/ Finance

Planning for the Best Annuity Rates

An annuity is a contract between two parties; one of them is usually an insurance company that will provide regular payments at a specified date. Since the total of payments exceeds the amount paid into the contract, it is important to get the best annuity rates possible. Here are some suggestions to get the best annuity rates.

Retirement requires an enormous amount of cash. Even for a modest income, with greater longevity and inflation, the pool of money required to generate that income is very large. Even with the best annuity rates, you will need some time. The earlier you start, the easier it will be; the extra time will help you recover from downturns and allow more flexibility to invest in lower risk, high security investments. An annuity is an example of this kind of investment.

When it comes to investments, you need to be careful about the risks involved as this is a tough job to manage in the long run as it concerns your future, which has to be dealt with utmost seriousness and wealth management is no laughing matter especially when retirement is just around the corner.

Using the internet to quickly shop for the best annuity rates without the pressure of a salesman would seem to be a no-brainer. Calculators for annuities are also online and can give you a realistic picture of the challenges facing you as you plan for your retirement or future event. They will also assist you in determining the timing and distribution percentages of your annuity. Even more importantly, the best annuity rates are going to be useless unless a strong, reputable firm is behind the contract. The internet provides a way to access information about a company’s strength and business practices.

Annuities generally take a form similar to life insurance; in fact, a life insurance policy can be considered a type of annuity. Instead of regular payments, a life insurance policy offers a single payment. Like these, an annuity may also offer a death benefit to a beneficiary. Depending on the type and terms of the annuity, proceeds from it may have tax advantages the same way other insurance policy proceeds are non taxable. Your tax advisor and annuity professional would be the best source of information about this.

When it comes to obtaining the best annuity rates, you will want to consider whether you wish to purchase a deferred or an immediate annuity. A deferred annuity is an annuity that operates like a regular retirement account; regular payments are put into it and beginning at a specified date, regular distributions start. Depending on the length of the deferment, these proceeds may be non taxable. An immediate annuity is one where the entire purchase price of the contract is paid up front, and payments begin immediately. Many state lotteries use this method to pay winners their jackpots. Because there is no deferment, these proceeds are usually taxable. Don’t forget to calculate tax impact as that may prevent you from realizing all that the best annuity rates have to offer.

/ Health & Wellness

Tips for Setting Weight Loss Goals

Setting realistic goals is necessary when making a change in your lifestyle. People who set goals are more successful at making lifestyle changes than those who do not set goals. Setting goals is important because it provides a strong platform for building your weight loss plan.

Tips for Setting Goals

Be Realistic – set goals that are realistic and not too difficult for you to achieve. Here are some examples of goals that may be hard to achieve along with the best recommendations from  leptoconnect reviews :

I’m going to walk 4 miles every day.    

I will lose 75 pounds in 3 months.    

I will never eat dessert again and.

Try to keep away from setting goals that use the words never, always, or every day. Setting goals that are difficult to achieve will only lead to disappointment and failure. Set goals that will give you a little bit of achievement but are not hard for you to achieve.

Be Specific –

Don’t set goals that are too unclear. A specific goal should contain a plan that has a set time for completion. Instead of saying “I will have vegetables with every meal” say “I will have vegetables with at least one meal each day”.

Long-term and Short-term Goals –

Keep your long-term goals in mind but give your short-term goals top priority. Short-term goals will help you to keep your focus while moving towards your long-term goals.

Stay Positive –

A positive attitude is essential to achieving your goals. Goals should be a motivation tool for you but they should not overpower you. Remember to set goals that you feel certain you will be able to accomplish.


We all face some sort of barriers in our lives. It is important to find ways to overcome your weight loss barriers. When you set your goals consider potential barriers that may arise and keep you from attaining your goals. Your goals need to be flexible since life can bring many changes. If you experience difficulty achieving a goal change your plan rather than giving up on that goal completely.

Get Support –

Making a lifestyle change is difficult to do without the support of family and friends. Having support from others can increase your chances of success. Think of people who will give you the support you need and then ask them to help you. Tell them your goals so that they can help you stay on track.

Monitor Yourself –

Monitoring your progress is very important when you are trying to lose weight. Monitoring will help you see your successes and overcome any barriers you face. You can use a calendar, a day planner, or even just a sheet of notebook paper to monitor your progress. Write your goals on post-it notes and post them on your bedroom mirror, bathroom mirror, and your desk at work, in your car, or on your refrigerator to help you keep your mind focused on your goals.

You Deserve A Reward –

Reward yourself when you reach a goal. It may be a small goal but you can still have the satisfaction of knowing you have reached a goal. Being more active, having more energy, and eating healthier is very rewarding and very good for your self-esteem. There are so many ways to reward yourself such as getting a massage, buy a new outfit, take a nice warm bubble bath, go to the movies or spend some time with your friends. Reward yourself when you reach a goal no matter how small the accomplishment may seem. You have worked hard to reach your goals and you deserve a reward for your hard work.