Archive | June 2014

Acrobats in the Ringling Brothers and Barnum & Bailey Circus are Vulnerable to Serious Falls and Devastating Injuries, Frank N. Darras Comments on the Accident Last Week


Ontario, CA (PRWEB) May 14, 2014

Everyone likes to see acrobats at the circus as they perform amazing feats from high in the sky but this time, something went wrong. No one can predict when equipment will malfunction despite an in-depth and detailed inspection before each and every show. There are several severe injuries reported from this incident but Ringling Brothers and Barnum & Bailey circus has assured everyone that the acrobats are holding their own during their stay at the hospital (Acrobats Fall During Ringling Bros. Circus Stunt, ABC, May 5, 2014).

One acrobat, Samantha Pitard, has already expressed interest in returning to the circus once she and her fellow acrobats are healthy again: Pitard and seven other acrobats were in an act described as a human chandelier, hanging from an apparatus by their hair. They were injured during a Sunday performance of the Ringling Bros. and Barnum & Bailey circus when a clip at the top of the chandelier-like apparatus snapped, dropping them to the ground. The other women are still hospitalized and Pitard said she plans to stay in Providence to support her friends as they work to regain their health. Then shed like to return to the circus, (Injured Ringling Bros. Acrobat Vows to Return After Accident: NBC News, May 7, 2014).

I admire her for wanting to return but I hope she thinks about getting or reviews her disability insurance policy to make sure it is up to date before she tries anymore stunts, advises Frank N. Darras, disability insurance lawyer to the pros. Many of the stunts performed by acrobats are both mentally and physically challenging. Although acrobats train extensively, nothing can prepare them for equipment failure or a tumble to the ground. I hate to see any injuries to athletes but the reality is that the potential for injury will always be there, along with the need for disability insurance.

Disability insurance is not just for pro athletes or something an employee gets through their employer for workplace injuries. The average consumer can also purchase an individual policy at a very decent price. The potential for injury in the modern world seems to increase all the time but the average American doesnt have the money to cover the cost of rent and other necessities when they are out of work to recuperate. This is where disability benefits kick in and provide a percentage of the policyholders income to go towards everyday living expenses.

With this wake-up call, I hope all professional acrobats and gymnasts take measures towards supporting themselves in case they are injured during one of their stunts or even while practicing. There are many experts out there that would be happy to explore what options and coverage would be best. The benefits of a private individual disability insurance policy would ease the financial burden during a time when you could be focused on recovering your health, says Darras.

Frank N. Darras is available for interviews. Contact Robin Nolan 919-745-9333.







Be A Smart Buyer With These Tips!

Purchasing property can be both frightening and thrilling. Being misinformed or uninformed could lead to costly, long-term mistakes. Following the advice from this article will prevent you from making these mistakes.

When negotiating with a seller, make a reasonable offer. Most people are too aggressive in aiming for the very best deal. This usually ends up backfiring on them. You can have a firm idea of what you want to pay, but let the Realtor and lawyers have some leeway.

If you sell a home to a client, don’t lose touch. Contacting customers on each anniversary of the day they bought the home and during holidays allows you to stay in touch without seeming intrusive. When they hear from you, they will be reminded of how much you helped them when they were purchasing their home. Tell them you would appreciate it if they would refer you their friends.

Individuals with families, either existing or planned for the future, should shop for homes with enough square footage to handle an entire family. Review the house for safety concerns as well, especially if the backyard has a pool or the home has stairs indoors or outside. You should have a safer house if the previous tenants had children.

If you’ve made an offer for a house that seller didn’t take, don’t be discouraged, since you might find a better home. They may be willing to cover the price of the closing costs or make some repairs to the home before you move in.

When house hunting, you should take into account what may happen in your future. For instance, ask yourself if you want to have children. If you do, look for a home located in a good school district.

Keep an open mind in regard to what elements are the most critical in your real estate hunt. There are trade-offs that must sometimes be made between buying in a particular neighborhood, buying the ideal house, and what you can afford. If you can’t find a perfect house in a certain area, perhaps try a smaller home or a different neighborhood with a better house.

See if your real estate agent has a checklist. Many Realtors have checkoff lists available that include all steps of home-buying, including finding the perfect house and mortgage procedures. Use this checklist as a guide to make sure you take care of everything you need to do.

Try asking the seller to aid you in closing costs or giving financial incentives. For example, it may be to your advantage to ask for an interest rate “buy down.” Keep in mind, though, if you request financial incentives from the seller, he will probably be less willing to negotiate on the home’s selling price.

If you are considering the purchase of a house, check the neighborhood out through the online sex offender registry to ensure there are none located nearby. You can do this quickly and easily, and it could keep your whole family safer in your new home. The information is publicly available and free to obtain. It is highly unlikely that any real estate agent would have knowledge of the sex offender status within a neighborhood, and if they do, you won’t find out about it. Research on your own!

Unless you reside in a climate in which it is really needed, do not buy a house with a fireplace other than in the family room. It is not easy to clean fireplaces and it is pointless to have to go through this if you are not going to use it much.

So if you’ve decided you want to buy a place, now you need a real estate agent. You will want to find one you can trust. The agent you select should have a good history of successful transactions. Make sure you take your time in finding yourself the perfect agent, one who has your interests at heart and cares about your needs.

It’s imperative that you are pre-qualified for a home loan before searching for a house. One reason to do this is so you don’t want to walk into your dream house to find out you cannot secure a loan for it. Also, securing a loan can take a long time, and waiting until the last minute to start finding one is not a smart decision.

It is important that you purchase business real estate in a neighborhood that is considered a low-crime area so that customers will feel comfortable coming to your establishment. Starting up a business in the wrong neighborhood will likely lead to obtaining less customers. Check with local real estate agents to learn the best location for setting up a business.

These suggestions can assist you in making choices from which you will benefit. Put them to work, so that you do not end up wasting your money. When you sign on the dotted line, you can do so with confidence that you have made the best and most informed choice.

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Things You Should Be Aware Of When You Are In The Market For A Home

Real estate shopping can be exciting and difficult. You could make costly mistakes if you don’t make educated decisions. Avoid mistakes by reading the tip-filled article below.

When negotiating with real estate purchases, always use a moderate approach. A lot of people want to get a good deal, and begin acting aggressively; they end up doing themselves more harm than good. You can have a firm idea of what you want to pay, but let the Realtor and lawyers have some leeway.

Real estate agents need to get a hold of their former clients during anniversaries and holidays of their date of purchase. Sending them a message is a great reminder for how much you helped them with their home purchase experience. Tell them you would appreciate it if they would refer you their friends.

If you want to move, do some research on the internet about different communities and neighborhoods. Almost every town has plenty of information online. Before buying a home, research the unemployment, population and salary margins.

Properties that require major improvements are usually sold at a lower price. This offers the opportunity to purchase relatively inexpensively, and then make repairs or improvements on your own schedule. You can not only design your home in a manner that appeals to you, but you will also build equity with your improvements. Look for the potential a house has to offer, not just it’s flaws. The home of your dreams may be concealed behind that ugly exterior.

If you’ve made an offer for a house that seller didn’t take, don’t be discouraged, since you might find a better home. They might offer to cover closing costs or necessary repairs prior to you moving in.

When you are looking to purchase a new house, think about your long term picture. If you are planning to stay in the house you are purchasing for several years, you should consider the location of the house in relation to your preferred school district in case you decide to have children.

Be flexible when you are making choices. Finding the perfect home in a perfect community can be almost impossible. Those who are flexible can make a choice on which aspect is most important to them. If you cannot find the particular home in the right area, shop for the type of home in a different area or vice versa.

See if your Realtor can provide a checklist. Many Realtors will have a checklist that will cover every aspect of buying a home; from finding the right house that is in your budget to finalizing the mortgage. You can use the various checklists to make sure you’re ready for every contingent as it comes up.

It is vital that you know about the common terms found in lending when you purchase your house. Make sure you have a solid grasp of how the terms of a mortgage can affect your mortgage payment and the total price you are going to pay for the home. If these things make sense to you now, it will prevent confusion later.

This is a great time to think of investing in property. Upsets in the real estate market have resulted in low prices for buyers. This presents a perfect opportunity for you to move out of your apartment, and purchase your own home. The market is going to rise again, and it will make your investment profitable when it does.

Ask for closing cost assistance from the seller to save yourself some up front expenses. For example, you might request that the seller buy down the rate of interest for a couple of years. When you ask for help with upfront expenses, the seller is not as willing to negotiate on the price of the home.

Before buying a home, get an inspector to examine it. You don’t want a home that needs major revisions. Not only are certain renovations pricy, but you may have to live somewhere else while they are being done, meaning you will have to spend more money.

The tips you have just read will help you get the most from your real estate purchase. This advice will help you to get your money’s worth when you decide to purchase a property. Purchase a property secure in the knowledge that you have all the information that you need to make a good decision.

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Great Ideas For Purchasing Your New Home

Many people today are interested in learning more about real estate. Being able to be sure that you are buying real estate from someone who is reliable and dependable is more important than ever. If real estate is something that interests you, there is no better time than right now to learn more! Some advice for getting into real estate is right here for you.

When you have kids, or are planning to start a family in the future, make sure you buy a home that can accommodate everyone. Also, look at safety issues, such as a swimming pool or stairs. You will be sure that your house is safe if there were children brought up in it.

Properties that require major improvements are usually sold at a lower price. This allows you to save money up-front, and work on the house at your own rate over an extended period of time. Renovations will give you equity with each step, while also allowing you to choose what your home will look like. Look for the potential a house has to offer, not just it’s flaws. Your perfect new home could be hidden behind superficial drawbacks like bad paint or cracked paneling.

Get a partner that you trust when you want to make the step and buy an expensive commercial lot. When you have a partner who has a good financial standing and reputation, it is much easier to quality for the loan needed to purchase the property. A partner can assist with your down payment, since the credit is necessary for getting qualified for the commercial loan.

When shopping for your new home, it is important to consider future needs. Even if you don’t currently have any children, if you are planning on living in the home for an extended period of time and the possibility of starting a family during those years cannot be ruled out, you should consider researching schools in the neighborhood to see if they will be satisfactory should you have any children down the road.

Keep an open mind about your options. You might not have the financial resources to buy your dream house in your dream neighborhood, but you might have enough to choose one of the two. If you can’t find a home in the area you want, shop for one in a similar area.

When you are looking to make a great investment on your real estate, you should consider doing some repair and remodel work. As you finish the work, you will be rewarded with an immediate increase in the value of your home. Sometimes, you will even get more value increase than the amount of money you spent for repairs and renovations.

The asking price should be just a guideline. If your offer is logical and well-researched, you might be surprised by how much you can save. The seller can help you settle on an ultimate selling price you will both be satisfied with.

When making the offer on your dream home, you can ask the seller if they will help out with the closing costs, or give you other financial incentives. One common practice is to request that the seller “buy down” interest rates for one or two years. If adding financial incentives to an offer, the seller may not negotiate your selling price, though.

Decide in advance what you plan to ask a potential real estate agent. Ask them about their techniques and the kind of results they usually get, and how familiar they are with the area you are looking at. A good agent will be able to answer all your questions.

When purchasing a home, try to limit the existence of fireplaces to one, to avoid having to maintain too many of them. Keeping up with fireplaces can be a pain, especially if you won’t be using them.

Have a pre-qualification letter from a reputable lender before beginning your home search. You will avoid wasting your time and the agents time by limiting your search to houses you can afford to buy. Also, securing a loan can take a long time, and waiting until the last minute to start finding one is not a smart decision.

You should do research prior to purchasing a property. If you don’t have enough knowledge, you may lose money on unsuccessful endeavors. Therefore, before you purchase any real estate, you must find out important information like the neighborhood, crime rate, and how old the house is, among many other things.

It should now be obvious to you why so many people are purchasing real estate, and building careers around it. There are many ways to go about turning this into a lucrative business venture. You can also find a lot of information about researching and purchasing effectively. If you apply these tips, you will be able to find a good real estate investment.

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Know What You Are Doing When Buying A Home

There are many reasons why people are afraid to purchase real estate these days. From the legalities involved, to the actual real estate market of today, there are great concerns many hold against the process, which is full of so many different elements. Getting a bit more informed can help, and these tips can provide you with a basis by which you can learn more.

When you are trying to make a deal on real estate, do it moderately. Often, people who are too aggressive about trying to make the best possible deal work against their own best interests. Be clear and firm about what you want but let your lawyer or realtor do the negotiation for you.

Thanks to the Internet, it is easy to research a home and a neighborhood without stepping foot outside your current home. Even the smallest towns have information shown for them when you do this. Do thorough research into any area in which you plan to purchase real estate. It is no fun to find out later that you have invested in dead-end real estate.

When you are planning to purchase a large and costly commercial property, look for a reliable investment partner. With a partner, loan qualification will be easier. When you have a partner, you can also use his or her income when applying for a loan.

When shopping for your new home, it is important to consider future needs. Even if you don’t currently have any children, if you are planning on living in the home for an extended period of time and the possibility of starting a family during those years cannot be ruled out, you should consider researching schools in the neighborhood to see if they will be satisfactory should you have any children down the road.

Be flexible when you are making choices. Sometimes you must choose between two major features if the price of having both falls outside of your price range. If you can’t find the perfect house in the perfect area, look for it in an adequate area or find an adequate house in a perfect area.

Educate yourself thoroughly on mortgage loan terms if you are in the market to purchase a home. A failure to understand how your monthly payments are structured, especially interest over the life of the loan, may place your home in jeopardy. So take all the time necessary to understand a mortgage and avoid any confusion.

Deciding what to offer when preparing to buy a home is important. The seller can help you settle on an ultimate selling price you will both be satisfied with.

Before you purchase a home, have an inspector come take a look. If you purchase without an expert’s evaluation of the house, you could be facing the cost for major repairs. Not only do surprise renovations cost you money you don’t want to spend, if they’re really serious, you might have to find another place to live while the work is being done.

When purchasing a home, try to limit the existence of fireplaces to one, to avoid having to maintain too many of them. It can truly be a pain to keep multiple unnecessary fireplaces clean.

So you are in the market for a new home, but before you begin you need to locate a real estate agent that is qualified. You will need to find someone you are able trust. An agent with a great track record can help you get what you need. Keep in mind that you must do your research to locate an agent who keeps your best interests in mind.

The information in this article should provide you with a good starting point to learning the ins and outs of real estate. Keep learning, and you can jump into the market with confidence.

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Buying A Home Should Be A Fun And Interesting Process

Real estate is both exciting and stressful. If you do not know what you are doing, there are many pitfalls that can end up causing you long-term problems. This article is written to help people like you avoid such costly mistakes and be successful when buying real estate.

When you are in real estate negotiations, be sure to keep your approach moderate. Often, people who are too aggressive about trying to make the best possible deal work against their own best interests. Be firm in what you want, however, let your Realtor and lawyer go at the negotiations since they are used to fighting those battles.

If you have your eye on expensive piece of commercial property, get a reputable partner in on the investment. It can make it way easier to get the loan you need. Having a partner gives you an extra person to help pay the necessary down payment and any needed credit in order to be qualified for a loan.

A buyer’s checklist will help you understand the real estate buying process, and these forms can be acquired from your Realtor. Get a home buyers checklist from your real estate agent to keep track of all the tasks you need to complete when purchasing a home. A checklist will keep you organized and allow you to measure your progress.

When you purchase a property, extra funds should always be available for unexpected costs that are bound to arise. Closing costs are generally calculated based on the down payment, interest rates the bank charges, and real estate taxes that have been pro-rated. However, there may be additional items such as appraisals, surveys or home association fees.

Educate yourself on mortgage loan terms before you look into purchasing real estate. The important things you need to know are how the loan term affects your monthly payment and the amount of interest you will have to pay throughout the loan period.

Make an offer only after researching the comparable home sales in the area, the condition of the home and how long the house has been on the market. If your seller is helpful, it should be fairly easy to decide on a final purchasing price that you’re happy with.

When you interview your real estate agent, have a plan containing your questions. Ask them not only the number of homes they have sold in the past year, but also, how many were the type of home you are looking to buy. Any agent worth considering will be able to answer such questions thoroughly and professionally.

Check the online registry for local sex offenders prior to purchasing a home in an area. While the sex offender registry is public, you had best check it yourself, as the agent and seller are unlikely to voluntarily disclose this information. You can easily do this research yourself online.

So you have decided to look for a home to purchase, but now you need to find a qualified real estate agent. You will need to find someone you are able trust. For an area you’re unfamiliar with, check with the Better Business Bureau for any complaints against agents and how they were resolved. It is in your best interest to take the time to look for someone you can rely on.

It is vital that you contact a mortgage lender and get pre-qualified prior to searching for a new home. The logic behind this is that your budget will be determined before you begin searching for your dream home. Securing financing can take a long time, and you don’t want to lose your house waiting for that loan.

If you’re aiming to purchase a home, you must ensure you don’t purchase one simply for the decor. Homes should be built well and shaped appropriately. When basing a purchase on the decor of the house, you might overlook serious defects which can be expensive to fix after the purchase.

The tips you have just read will help you get the most from your real estate purchase. Follow them to learn more about how to get the most for your money. Purchase with the knowledge that you are in control.

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YBath Launches as First Luxury, Online-Led Retailer for the Modern Bath


Walnut Creek, CA (PRWEB) May 01, 2014

YDesign Group is pleased to announce the launch of its newest brand, YBath. Part of YDesign Groups family of brands, which includes YLighting and YLiving, YBath is the only online-led retailer of premium modern and contemporary decorative plumbing designs.

YBath offers thousands of faucets, sinks, bathtubs, vanities, medicine cabinets, shower systems, and more. It features the best modern European and U.S. designers and brands in the category, such as Keuco, Graff, Axor, Aquamass, and Sonobath, many of which have never had an online presence. More brands will be added to the site every month, along with special product and price exclusives. In addition, YBath will present unique, compelling content to inspire and inform users.

This is a very exciting and natural extension for YDesign Group, says YDesign Group CEO Sean Callahan. Its consistent with our goal of having our brands be leading destinations for design-driven people to explore and realize their interior design visions across multiple product categories.

In addition to offering an exceptional site design and user experience, YBath provides category specialists averaging more than 10 years of bath design and sales experience available by phone or email.

Were offering a compelling value proposition for existing and new customers, says YBath general manager Dan Saper. We are bridging the gap from the showroom to the online world and filling a need that no one else is.

About YDesign Group

YDesign Group is an online-led retailer offering the best in modern and contemporary lighting, furnishings, and decorative plumbing to design driven consumers and trade professionals. Our extensive, yet carefully curated selection ranges from iconic mid-century designs to todays most innovative products.

YLighting, our flagship brand that launched in 2001, is the leader in modern lighting sold online in the US. YLightings extensive selection of modern lamps, pendant lights, contemporary chandeliers, modern track lighting, table and floor lamps and ceiling fans represents the best modern designers and brands. The assortment features more than 10,000 designs from top international brands like Artemide, FLOS, Nelson Bubble Lamps, and Louis Poulsen. In 2008 we launched YLiving to provide our customers access to exceptional modern furniture and accessories. YLiving offers thousands of modern furnishings from such renowned brands as Herman Miller, Knoll, and Kartell, as well as from up-and-coming companies. In 2013, we expanded into the decorative plumbing category and in 2014, we launched YBath, our third store.







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Buying Property Is A Huge Investment! Get Help Here!

There has never existed a better time within the American economy to jump with the crowd and purchase some real estate. It is one of the most profitable markets and with the low rates, it requires the least initial investment. The tips here will show you how to find a property that’s affordable and will end up being profitable.

If you want to move, do some research on the internet about different communities and neighborhoods. There is plenty of information available to you, even if you are thinking about moving to a small town. You can find out about the population, local schools and salary ranges compared to other locations.

See if your real estate agent has a home-buying checklist. Realtors often have a home-buyer’s checklist that includes everything you need to do or consider when buying home, from figuring out what you want in a house to finalizing a mortgage. This helps you set up a timeline for buying that house so that everything is squared away when it is time to close the sale.

Make sure that you have a little bit of extra money put away in case any unexpected costs pop up when you’re buying a home. The closing costs are usually calculated by adding the prorated taxes, bank points and down payment. In many cases, closing costs have extra items like improvement bonds, school taxes, and other things that depend on your area.

If you are going to interview your own real estate agent, you should ensure your questions are planned out properly. Ask important questions, such as how many homes they sold in the last year and how many of those homes were in the area that you are interested in. Any agent should be ready to give you answers to these questions professionally.

Learn as much as you can before you jump into the property market. Not taking enough time to research will result in your purchasing something that will cause you regret later. Therefore, prior to purchasing any specific property, it is important to investigate the neighborhood, crime rates, repairs needed on the property, and any other relevant details.

When looking to purchase a new home, don’t choose one based solely on its aesthetic appeal. You should purchase a home because it is built well and for the shape it is in. If you buy for decor, you may overlook a serious problem that can cost you later.

If a home has made your short list, have the home inspector get the home’s dimensions. You should always verify that the owner’s listed square footage matches with information in public records. These two numbers need to be approximately the same, within 100 square feet. If they don’t match, you must determine what the cause of the problem is.

Those who are wise and jump into this swirling market should follow the above article closely. It will help you avoid trouble and walk away with real estate that is under-priced and growing constantly in value. The key is to purchase the property and hold until the time is right before you make your big move.

People today often believe that lighting style is actually a straightforward topic however the design associated with locations with chandeliers is extremely difficult. In order to accomodate with this we’ve put together a group who predominantly manage crystal chandelier marketing and how to employ them in interior design.