In previous years, “Flipping” was a negative term used by government agencies to designate a mortgage fraud situation in which there was massive collusion between front men, foreclosure appraisers, title companies, and other players, all committed to defrauding a lender and impair earnings earned. Over time, these little players went to jail. Over the years, this term is still used […]

Date of birth should NOT be a security question Using a person’s Date of Birth as a security question can have the opposite effect: it can be a major security flaw. It baffles me why a bank would ask me to log in with a password and also ask my date of birth (DOB). Then the bank (or maybe not) […]

Both No. 1-ranked Missouri and No. 2-ranked West Virginia had to go and lose on the final weekend of this year’s college football regular season, prompting the Allstate National Championship Game. BCS became a game of dice in which No. 3-ranked Ohio won the state and No. 5-ranked LSU. If Missouri had beaten Oklahoma for the Big 12 championship, and […]

Male revision rhinoplasty surgery is the most difficult and challenging procedure performed by facial plastic surgeons. Perfecting three-dimensional nose surgery takes years to improve and perhaps master. In rhinoplasty surgery, the minor rhinoplasty maneuvers we do today can lead to significant postoperative deformities within three years. Many of us are taught that aggressive cartilage removal is a thing of the […]

Tips for landscaping your small gardens Learn all about small garden landscaping There are many people who live in suburban areas with very small yards or some other people may not even have yards at all, such as those who live in trailers or condominiums or apartments. Even though you have little outdoor space, whether it’s a small patio or […]

All-inclusive family vacations beat any other type of vacation in my book! As a mom and avid traveler, I have been around the world several times. I enjoy all types of travel, from downright “rough” to first class luxury. But when I travel with my children I prefer all-inclusive vacation resorts. Let me share with you my reasons why. 1) […]

Dun & Bradstreet is the primary company used to assess business credit and issue a credit score known as a Paydex. There are also other companies that provide similar credit evaluation services to companies based on their independent databases. One of these is Equifax, which offers a business credit scoring model known as the Equifax Small Business Enterprise/Equifax Small Business […]

My house is old, very old. Recently. one of the basement windows needed to be replaced because the cat kept using it to get out. More trouble followed. The kitchen sibk had a hole in it, which meant it had to be ripped out, as water was seeping into the foundation of the house. Something had to be done right […]

The first step is to join a gay dating site for singles. There are two excellent free ones if you don’t want to spend money. Once you become a member of one or two gay dating sites, it’s time to create your profile. First of all, you need to think of your gay personal ad as a business. The reason […]

Tips on Language Development for Infants and Toddlers I am not a psychologist, teacher or speech therapist. I’m just an ordinary mom, who has a lot of things right and a lot of things wrong. But it turns out that I have a 2-year-old son, Joshua, whose language ability is particularly good (not only according to his totally uninterested mother, […]