5 of the Best Reasons to Consider a Credit Union

credit union Parker

Joining a credit union is a big decision, and it should never be taken lightly. As a lot of credit union Parker experts will tell you, however, credit unions might actually be a better idea than joining a bank in the long run, especially if you’re looking to be financially stable and to work with an organization that actually cares about what you need.

  1. Credit Unions Care About Their Members

Banks might care about offering you good products and a consistent service, but they will essentially run the show themselves and not listen too much to what their clients have to say. A credit union, on the other hand, is much more focused on its clients. In fact, unions are practically run by them, and the word “clients” or “customers” is hardly ever used. Instead, when you join a credit union Parker institution, you become one of its members, and you have equal rights to influencing the decisions  being made regardless of how much money you contribute.

  1. More ATMs and Cheaper Services

Have you ever run into the issue that you want to get money from an ATM but there are none in sight? Maybe you find one at some point, but it belongs to another bank which might charge you a ridiculous fee just for withdrawing a few hundred dollars. With credit unions you won’t have to deal with all of that. Their withdrawal fees are much more affordable, and many of them provide you with the option of withdrawing from a huge number of different ATM machines.

  1. Better Offers and Rates

There are many financial institutions that can provide you with a car loan or a mortgage as long as you’re eligible. However, in most cases you have to go around comparing rates and turning down offers that are simply too costly in the long run. If you want to be financially responsible and avoid paying back huge interest rates over the next few years and decades, your best option is to get a loan from a credit union. As they are nonprofit organizations, credit unions don’t rely on making huge profits, and are much friendlier when it comes to deciding on lower interest rates and financial products focused on actually improving the lives of people.

  1. In Line with Modern Technology

Even though credit unions have less financial ability to invest in technology and infrastructure, they mainly focus on remote access to services. As a result, some are actually better equipped than banks in terms of using the most advanced and the newest technology available to the banking industry. In a lot of cases, you can benefit from more secure and stable online access to your money by joining a credit union than by working with a bank.

  1. Community-Oriented Organizations

While credit unions are not charity organizations, they are still non-profit, community oriented institutions that are focused on providing members with the best services and loans. When you join a credit union, you become part of a community that will have your – and every other member’s – best interest at heart. You will gain benefits that banks are not able to offer their clients because of the taxes they have to pay, and you may even have a say in the way that the union is managed and organized.

How Stem Cell Therapy Can Make A Difference

Lowry stem cell therapy

Stem cells are cells in the human body that have the ability to generate cells that have specialized roles – in other words, correctly harvested stem cells can be made into almost any type of cell needed to treat diseases and illnesses. Stem cell therapy is a set of state-of-the-art medical technologies that promote the healing of the damaged tissue in the patient’s body with the help of the patient’s own cells that have been previously harvested and that undergo manipulation to encourage them to specialize into the type of cells needed to treat the affected organ or body part, such as nerve cells, muscle cells, even blood cells.

The advanced technology has revolutionized many areas of medical treatment, making it possible to ameliorate or even to completely heal affections and diseases that are very difficult or impossible to treat with conventional approaches. Here is how stem cell therapy makes a difference. Lowry stem cell therapy specialists tell us that another major advantage of stem cell therapy is the safety of the technique – stem cells being harvested from the patient’s body, the risk of the body rejecting the therapy is reduced to the minimum and as the related procedures usually do not require invasive interventions, the risk of complications, such as infections, inflammations or delayed healing is also reduced to almost zero.

Types of Affections that Can Be Treated with Stem Cell Therapy

The range of illnesses and diseases that can be treated with the modern technique is very wide already and it is also continuously growing – here are some:

  • Cardiovascular affections – the stem cells harvested from the bone marrow of adult patients can differentiate into the cells necessary for repairing the heart’s tissues and the affected blood vessels;
  • Neurodegenerative conditions – stem cells can be transformed into new brain cells, making the therapy that uses them suitable for treating various forms of brain injuries and cognitive degeneration;
  • Autoimmune conditions – these conditions prompt the body’s immune system to overreact and to attack the body’s own tissues. Stem cell therapy has been successfully used in the treatment of many such affections, including lupus and rheumatoid arthritis;
  • Orthopedic issues – the stem cells harvested from the patient’s body can be used to trigger the healing of bones, muscles, tendons and ligaments that have sustained damage because of a traumatic injury, such as an accident, because of aging or for other causes.

What Cells Are Suitable

Stem cells can be harvested from the umbilical cord blood of newborn babies 3-5 days long or from particular areas of the body of adult patients, such as from adipose tissue and bone marrow. The stem cells harvested from newborns can be then banked, preserved and used to treat the donor or the donor’s blood relatives. Cord blood stem cells are preserved among special conditions and can be used for decades without using their ability to specialize.

The Future of Stem Cell Therapy

Medical scientists continue to research the potential uses of stem cells in the treatment of many grave affections, including cancer.

What do Executive Headhunters Really do?

Recruitment is a favorite topic of all companies. They no longer find employees, if they find them, they are not well enough prepared, if they are prepared, they have too high demands, and if they are perfect, they have certainly put their caps in the wrong position in terms of organizational procedures etc. 10-15 years ago, recruitment was one of the simplest activities that took place both in consulting companies and in employers’ organizations.

The development of jobs and the over-specialization of certain fields of activity have brought companies into the situation where they pay as much as they can for a candidate that meets their expectations.

Large companies, with many recruitment processes per year, have built their own recruitment departments with which recruitment companies compete directly. There is an abundance of jobs as well as an abundance of candidates. You would be tempted to believe that the job offers are correct, and the candidates’ CVs are too often incomplete or too populated with false or unnecessary information. The truth is that job offers too are, most of the time, unclear.

As a result, companies turn to specialized recruitment agencies to identify good candidates and bring up the truth from a resume. This is even more important when looking for candidates for executive positions.

find excellent employees through IT recruitment agencies

Headhunting is the search for talents and their placement in the right positions. Executive headhunters specialize in finding the right persons for different companies, especially when timing and recruitment needs align with the company’s strategy. A talent is valuable to an organization only when they meet its professional requirements – but it is just as important for the job to motivate, challenge and develop the talent and help the candidate achieve their potential and the highest level of performance.

Executive headhunters or consultants are more than a source of candidates; they do everything to have an in depth understanding of the needs of their customers and find the right candidates, not only through advanced searches, but also through their ability to understand a business, the market context, as well as the challenges and opportunities – all with the idea of ​​identifying people suitable for the recruitment needs of their clients.

Executive headhunters come from various industries, with individual experiences and specializations that guarantee their ability to meet the needs of various companies, regardless their activity.

Executive headhunters can offer you recruitment services for specialists, managers and top management. The recruitment project is carried out as a search, executive search or headhunting – either as an official open process or as a strictly confidential process, depending on your decision.

In the process of recruiting an executive, headhunters use all methods to scan and identify potential candidates, databases, professional networks, networking and referrals. To persuade a manager to accept a position in another company, a headhunter must have great persuasive power, plausible arguments and, most of all, be honest. After all, the candidate is the only one who makes the final decision. The headhunter is a guide who must find the two matching puzzle pieces.

What Are the Types of Dental Implants?

Dentistry Dental Implants

Dental implants are currently the most advanced solutions for the replacement of a lost tooth, artificial teeth that are inserted into the patient’s jawbone by a specialized oral surgeon. Dental implants Park Ridge area and others practically consist of a titanium screw inserted into the jaw that works like an anchor or a root for the structure, an abutment installed on top of the screw and an artificial crown installed on the abutment. In the past, implants came in only one type and could be used only on patients whose gums and jawbone were healthy. While all modern implants share the same essential structural features, today there are three major types available, endosteal, subperiosteal and zygomatic, the diversification allowing for the more extended usage of implants, even on patients who were previously not considered suitable candidates. Here are the features that distinguish them.

Endosteal Implants

These implants are the most common type, the simplest, most typical implant that consists of the three components mentioned above. Endosteal implants are the solutions chosen for healthy patients who do not suffer from bone loss in the area where the implant is going to be inserted and who do not pose the risk of rejecting the titanium post or of being unable to fuse the post.

Subperiosteal Implants

These implants are the right solution for patients who do not like the idea of having a foreign body inserted into their jaw or who are not suitable candidates for endosteal implants because of an underlying health issue. Subperiosteal implants are also inserted under the patient’s gum, but not into the jawbone. The post that makes up the root of the structure is installed on a small metal frame placed right under the surface of the gum, on top of the jaw bone, the post being held in place by the gum that grows around it.

Zygomatic Implants

These are the least common and most complicated types of implants used on patients with very poor bone density in the application area. These implants are inserted into the patient’s cheekbone, rather than in the jawbone – hence the name, the zygomatic bone is the medical term used for the cheekbone. The solution requires access to the maxillary sinuses, therefore it is most commonly used on the upper row of teeth.

Other Techniques Used in Implantology

Poor bone density in the area where the implant is needed no longer excludes the application of more common implanting solutions – the technique called grafting or bone augmentation is now widely used to stimulate the body’s own bone production processes. The method involves the insertion of a tiny piece of artificial bone under the gum to intensify the production of bone tissue. The implanting process continues when the density of the bone is considered adequate.

The technique called sinus lift is another method to fortify the bone into which the implant needs to be installed. Used on the upper jaw, the procedure is intended to strengthen the bone below the sinuses if the area has been weakened and thinned because of teeth that have been missing for too long.

How to Keep Your Stress to a Minimum During the Big Move

Movers Denver CO Help Eliminate Moving Stress

It can be a difficult experience to move to a new home, especially if it’s the first big move you’ve had in years. You might have lived with your family in the same house for more than 20 or even 30 years, and now that you’ve finally decided to move to a new home, letting go of old places and memories can be heartbreaking to say the least.


At the same time, the stress associated to the move itself could also easily get to you. Most people cave in to the pressure when a challenge arises, and their stress levels skyrocket to new levels when they forget, for example, to pack some of their precious items stored in the basement.  Hiring movers Denver CO has, right from the start, can put you at ease knowing you don’t have to do all the heavy lifting and moving.


Stay Organized and Keep a Schedule


One of the best ways to keep your stress levels low during your move is to maintain a high level of organization. Make sure you are well-organized in all your tasks, and that you stick to your schedule. If your schedule says you have to deal with your paperwork today, and double check all the documents to make sure everything is in order, then dedicate the entire day to doing so. You’ll find the feeling that you’ve gotten through everything quite soothing.


Also, make sure you have someone on your “team” to help keep you accountable and to assist you with double checking your schedule. If you’re alone, it can be infinitely more stressful to organize everything and make sure you didn’t forget things. So having a close friend or family member helping you out will usually be quite relaxing.


Make Sure You Take Care of Yourself


Just because you’re moving, you don’t have to ignore your daily routine and sleep schedule. Things you normally do, such as exercising and doing yoga at a certain hour, or taking your regular walks through the park could still be done as long as you organize all your other tasks and maybe take some time off work or away from your business.


You might think you have to sacrifice certain things to stay ahead of your schedule regarding the move, but who’s to say you can’t simply sacrifice other stressful things and keep the ones that soothe you?


Use Music to Calm You Down


Probably the best way to avoid stress during a move is also one of the ways you won’t think much about: using your music playlist to your advantage. You might have to run an errand downtown or pick up your kids at school. These are activities during which you can’t do anything else, and usually your stress levels will go up just thinking about all the things you still have to do before the big moving day.


So make sure you’ve prepared a relaxing playlist beforehand, so you can play it in your car or on your mp3 player while walking. Music isn’t too distracting, so you’ll still remember what you have to do, and it’s also a great way to de-stress. Similarly, if you’re not a big music fan, you can simply listen to an audiobook or a guided meditation. Whatever works for you is the best approach.

Things to Help You Decide On the Perfect Hot Tub

hot tub spa Denver

Have you been dreaming of getting a hot tub for some time now? And now, you are ready to do it. You’ve done your math and you have the budget for a hot tub. But before you place an order or sign a check, please stop and consider whether you are making the right choice.

You may be a savvy shopper in many ways, but a hot tub is a long term investment and needs careful planning if you don’t want to get burned. There is much more to consider than the initial price you pay and how the hot tub looks in your home.

Approach This Purchase with Diligence

To make a fair comparison, you should be just as careful when you are about to buy a hot tub as when you are about to buy a car. Both items are quite expensive, should last you for years to come and incur ongoing expenses.

Thus, you should create a checklist of things to look for and see for yourself before you commit to the purchase. In order to help you, we prepared a list of aspects that will help you select the perfect hot tub for you.

Here they are:

  1. Don’t Buy Just the Hot Tub, Buy the Service

The first choice to make is not which hot tub you want to buy, but from whom you buy it. The seller must also provide excellent maintenance and repair services for the product. Thus, it is one of those products which you want to buy from a local reputable dealer.

Inadequate maintenance will shorten the useful life of your hot tub and cause you to pay for expensive repairs.

  1. Research Online but Buy In Store

The photos look great, the video presentation is professionally made, but it is just not enough to make sure that the hot tub you are looking at is a good fit for you. First of all, you do not get a true sense of perspective. The tub may look big enough to fit 6 or 7 people, but it may be just a trick of the camera and the placement of small sized objects around it.

Plus, you cannot really hear the sound of the pumps in a video with background music and a voice over presentation. If the written specs look good online, then make the effort to see the real thing in a hot tub spa Denver store before you buy.


  1. Watch Out for the Extras

The extras or add-ons are various necessary accessories that are not included in the price of the hot tub. Whenever you are ready to take up an offer, look at the fine print and see exactly what it does and does not include.

Some things may be less important – like a spare set of filters. But if the insulating cover or the electricity fittings to connect the hot tub to a power outlet are extras, you need to look for a better offer.

  1. Think Twice Before Buying a Pre-Owned Hot Tub

Pre-owned items can serve you for a long time without problems. But for every good deal, there are ten rotten ones. After all, looking at the glowing description, why would anyone want to sell such a jewel of a hot tub? Probably because it makes enough noise to disturb the next door neighbors. Or the electricity consumption is driving their bill sky high. Without having proper specifications from the producer, you never know what you will end up with.



What Is A Home Health Care Agency?

Home health care is a great way to ensure the safety and well-being of elderly people or for people in the process of recovery from after an illness at any age and an excellent alternative to nursing home care. If you are currently considering the solution, but you have no idea how to start looking for the suitable in-home care giver, you must know that there are basically to ways to find candidates: you can either handle the process by yourself, placing job ads, interviewing candidates and then handling all the tasks related to having an employee, such as payroll, or you can turn to an Parker CO agency and choose from the candidates they send to you, leaving all the tasks and responsibilities related to the employment with them. If the latter solution seems more accessible, here are a few further details about what a Parker home health care agency is and what they do.

What Is, in fact, a Home Health Care Agency?

A home health care agency, often referred to as HHA, is a public or private agency that offers healthcare services provided in the patient’s own residence through trained, certified and licensed healthcare professionals, such as nurses or physical therapists if the level of care needed by the patient or through experienced care providers in case the patient needs help only with daily activities that can be handled without previous medical training.

Types of Home Health Care Agencies

Home health care agencies can be categorized by the type of services they offer – some agencies offer only non-medical home care services through care providers who do not carry licenses and certificates to allow them to provide medical care, such as companions and homemakers; other agencies provide only home health care services that require medical training and there are agencies that provide both types of services.

home care Parker CO

What Home Health Care Agencies Do

What these agencies do is practically to search for and employ home care Parker CO providers and to send the care providers in their employment to work in the homes of their clients. During the employment process, they carry out an extensive vetting of their candidates, performing background checks on their future employees, checking their licenses and certificates. The agencies also handle the tasks related to employment, such as payroll and taxes, they pre-select potentially suitable care providers based on the client’s requirements and they also handle back-ups in case the care giver selected by the client is temporarily unavailable.

Financial Aspects

Parker home health care agencies are either paid through Medicaid, if the patient qualifies for such aid, or privately, by the client, if the services are requested individually. In the case of the services requested by the client individually, the costs that the client will need to pay will be probably a bit higher than in the case of employing a home health care provider directly by the person who needs help, but agencies hold comprehensive responsibility for their employees and manage all the aspects of the employment, so hiring a health care provider through an agency is certainly easier, safer and more comfortable.

How To Start iphone App Development

Be The Best mobile App Companies DevelopersDespite the fact that there are hundreds of thousands of applications for our devices in all categories, more or less useful, only very few of them are actually successful and become visible even from the very first days. Their popularity typically comes from the innovative ideas they bring, or the better functionality compared to similar apps.

If you are among those who want to be part of the community of iOS application developers, and you have ideas that you want to materialize in iDevices apps, then, in addition to the specific app development knowledge, you also need other important.

In order to be able to develop applications for iOS, there are some hardware requirements. The minimum is to have a Macintosh – it is absolutely necessary! If you have an iPhone, iPad or iPod it is even better, but not mandatory, because the software development kit (SDK) comes with simulators.

If you decide to buy a device for testing app development, know that you will also need a subscription to Apple’s maintenance development platform, to cope with the ups and downs of updates and get support, reliability and sustainability service.


Understanding the platform

Learning how to develop a program or application can be one of the most intimidating challenges for any programming enthusiast, and the saturation of the market with all kinds of applications actually minimizes the chance that your application and work will be recognized. However, you must not despair, but keep on trying and improving.

iOS is the operating system that Apple uses for its iPhone, iPad, and iPod Touch devices. The App Store, one of the native applications found in any iOS, is one of the largest markets in the world, where you can buy or download for free the applications you need. Users who post their apps in the App Store will receive 70% of the sales recorded per app, while 30% goes to Apple.


Take the costs into consideration

There are only two ways for individuals or even the best mobile app development companies who want to seriously develop an iOS app:

  • in-house development
  • using the services of an external third party – a professional app developer able to provide the necessary expertise and resources

The application development pricing varies depending on the chosen specifications (platform, page count, the existence of a server etc.), features (geolocation, user management, security, analysis, reports etc.) and location of the development company.

If you want a very simple application with a basic set and standard features such as interaction or user interface, based on a model (UI), email connection, user profiles and data synchronization via Apple or Google, it will be quite affordable, but it is very unlikely that such an application will bring you all the benefits that you can get. Particularly if the app is designed to boost your business and / or increase user loyalty, it is strongly recommended that you think about the sustainability of a long-term development budget and the return on investment that your mobile app will deliver.

Lighthouses on the Great Lakes

nautical prints of lighthouses

Lighthouses have been guiding ships safely to shore for centuries. They are also placed in difficult areas, such as small islands or capes to warn ships to steer clear of that piece of land and avoid collision.

The Great Lakes, as navigational channels, make no exception and are dotted with several lighthouses, many of which are captured in wonderfully illustrated nautical prints. Some of them are purely functional, but others are beautiful examples of architecture and are open to the public to climb inside them and explore them.


These are the most iconic lighthouses on the Great Lakes that you should put down on your bucket list:

  1. Old Mackinac Point Lighthouse, Mackinaw City, Michigan

Looking like a European medieval keep, this lighthouse is strategically placed at the point where Lake Huron and Lake Michigan almost meet. The interior of the lighthouse keeper’s house is preserved the same state since 1910.

The adjacent barn houses a movie theater where you can watch historical videos. And if you feel brave enough, you can climb the 8-foot ladder to reach the top of the lighthouse tower. Because good weather is a must for a safe visit, the Old Mackinac Point lighthouse is open to the public from May to October only.

  1. Fort Gratiot Lighthouse, Port Huron, Michigan

This historic lighthouse is the oldest one still in operation on the Great Lakes. Its tower is 86 feet tall and shines its bright light over Lake Michigan from the mouth of St. Clair River.

The architecture of the lighthouse is consistent with the traditional build of these edifices and looks almost like a movie prop – but it is the real deal. You can also climb up the tower and get a breathtaking look at the surrounding landscape.

  1. Devil’s Island Lighthouse, Apostle Islands, Lake Superior, Wisconsin

Lake Superior has a tiny island in its midst, so it has to have a lighthouse built on it to warn ships to change course. You really must be passionate about lighthouses to go visit, because it takes some effort to reach the island.

Once there, though, you will fall in love with the craggy beauty of the natural surroundings, the Queen Anne-style keeper house and the 82-foot lighthouse tower. To prevent accidents due to bad weather, the Devil’s Island lighthouse can be visited only from May to October.

  1. Grosse Point Lighthouse, Evanston Illinois

The Grosse Point lighthouse is categorized as a National Landmark. Thus, you can visit it free of charge, all year round. After climbing the 141 steps to the top of the tower, you will be rewarded by a breathtaking view of Lake Michigan and Chicago.

  1. Wind Point Lighthouse, Racine, Wisconsin

A rustic looking lighthouse, Wind Point is open to the public only on the first Sunday of the month from June to October. After climbing the 144 iron steps, you will enjoy an Instagram-worthy view of Lake Michigan. While you are there, you can also visit the Fog Horn Museum, built on the grounds of the lighthouse.

We also recommend you to include the gardens of the lighthouse in your tour – they are a wonderful escape into nature for your entire family.

How Can I Really Sell my Timeshare? – Tips and Options for an Efficient Selling Process

What Can We Do To Help You Accomplish Your MissionBuying a timeshare is certainly much easier than selling it, but finding a great buyer is not impossible. If you have been looking for answers to the question “how can I really sell my timeshare?”, here are a few tips for you.

Know What You Want to Sell

You surely read your timeshare contract very attentively when you signed it, but to be sure that you know exactly what it is that you want to sell a timeshare, review the document again. Pay special attention to the type of ownership that you have purchased – deeded ownership gives you more rights than right of use contracts, therefore they are more attractive to potential buyers and they are also worth more. You will also need the exact details of the timeshare property – the size of the building and of the plot, the features available with it, such as access to the sea or to walking trails, nearby amenities and spots of interest that can make the property more attractive.

Create an Attractive Ad – Use Inspiration from Listings and Ads for Properties Similar to Yours

If you have been using your timeshare for some time, you surely have quite a few pictures that show the property at its most beautiful. Try to pick a few high-quality images to illustrate your listings with and also try to create a text for your ad that is concise, informative and capable of raising interest as well. Check out timeshare property listings that are similar to yours – they can provide inspiration not only about the pics and the text that work best, but also about the price that you can ask for your timeshare.

Use Multiple Channels to Advertise

There are lots of websites that you can use for placing your attractive and well-formulated ad. Online real estate listings, the websites operated by independent realtors and real estate agents, the classified ads sections in the online versions of local newspapers, auctioning and retail websites are all available, but each of them comes with a set of conditions that you need to observe when you place your ad. Most of these advertising options are not available for free – they usually charge fees and commissions, so make sure you find out exactly how much advertising on a specific site will cost you before you place your listing.

Tell People about Your Intention to Sell

Word of mouth is the cheapest form of advertising and also among the most efficient sales channels. Spread the news that you are selling your timeshare property – tell your friends, the members of your family and your co-workers about the resort where your property is located, tell them about what a great time you have spent there and also tell them why you want to sell.

Offer the Property for a Buy-Back to Your Initial Seller

Sometimes timeshare sellers are willing to buy back the property, especially if the spot where it is located is in high demand and the company doesn’t have ongoing developments in that area, so contacting the company is worth a try.  To get rid of your timeshare, get the help you need from a great timeshare company.