Archives for August 2017

Questions to Ask Before An Auto Insurance Purchase

Information about auto insurance companies and coverage options are available from multiple sources for examples the state’s department of insurance, magazines, and independent reviewers’ websites. Insurers operate within the scope of state’s regulations, so everyone will get more or less the same suggestions. There are laws that govern how insurance companies conduct their businesses. There is a clear boundary between legal and illegal practices, but customers still need to do their due diligence to not only avoid frauds but also purchase the right insurance policy that contains the right coverage from the right company.

Insurers have their own methods to determine price and coverage. Apart from company’s policy, customers’ personal data and previous DMV records, behaviors on the road are also essential. Two people who have the same car model and make can get different quotes because they have different records and preferences as well. Here are some questions policyholders must ask themselves before they decide to purchase coverage from any provider.

1. How Much Do They Drive?

More mileage per policy period means more expensive premium. A person who drives a car every day of the week to commute spends more time on the road, hence higher risk of accidents. Distance between home and workplace also helps determine auto insurance premium. Therefore, someone who drives short distance should pay less for auto insurance coverage. Some companies provide discounts for low mileage, too.

2. Do They Use Their Cars for Commercial Purposes?

There are two types of auto insurance policy: personal and commercial. Personal auto insurance is for those who drive for personal purposes for examples to their workplaces or leisure travels. All types of coverage in the policy protect the safety of the drivers and cars. Commercial auto insurance provides more complete protections such as for cargo or passengers (who are not from the same household). Financial protection for cargo means more expensive premium, but this is necessary from business point of view.

3. Do They Have Any Emotional Attachment with Their Cars?

People who love their cars very much need the best protections available from providers. In addition to minimum coverage requirement by the state, optional coverage is necessary to protect cars from wide range of potential dangers. Collision, Comprehensive, and Road Assistance are not mandatory, but they must purchase such coverage for better protections. Additional coverage increases premium rate.

4. Does Anybody Else Drive the Car?

Other drivers (for examples spouse, children, or anybody who lives in the same household) must put their names in the policy. Additional drivers mean more expensive premium, but it can be cheaper when the other driver is a teenager. Insurance companies tend to think of young drivers as high-risk, so it is best to list their names as secondary drivers to minimize cost.

5. What Type of Cars Do They Drive?

Cars with minimum safety features cost more to insure. Sports cars or luxurious models are expensive to repair, and this is why auto insurance providers charge higher premium.

6. Do They Own or Lease the Cars?

Full ownership of the car grants the right to choose any combination of insurance coverage available from provider. When the car is still under lease or finance agreement, the financial service that leases the vehicle often requires driver to include specific type of coverage as part of the deal. In this case, total cost for insurance is almost always more expensive than the amount full owners have to pay.

7. Where Do They Park?

Policyholders’ address is also an important thing to consider. People who park their cars in urban areas where crime rate is high tend to pay higher for auto insurance. There is higher risk of theft and vandalism in the area, so additional protection is necessary. Car owners who live in suburbs often pay less.

8. Do They Have Any Traffic Violation History?

Traffic law violations in the past affect the current premium rate. Records of DUI, involvement in major accidents, improper turn, and failure to produce driver license or insurance card affect premium. When an insurance company thinks that a driver is too risky to insure, the driver needs non-standard auto insurance. The term “non-standard” refers to coverage for high-risk drivers.



Source by Mike Heuer

The Importance Of Self Love

When the expressions “loving yourself” or “self-love” are heard, there may be confusion about what is meant. This is because when we hear the word “love”, we think in terms of what we are familiar with, dependent love. If we try to love ourselves, we may take an approach similar to that used in dependent love, using ourselves as the object of our love. We may try to escape into ourselves, as we escaped into others. We may become self-absorbed and self-indulgent, putting our own needs first. The motive is still to escape. We reject unhappiness and, in so doing, reject ourselves.

Self-love has nothing to do with using yourself as the object of your love. Self-love is defined as inner peace, a connection with God. It is not the act of “loving” an object because it may please you tremendously, whether that object is someone or something else or yourself. Self-love is a condition of awareness, a way of perceiving, an attitude, which results in an integrated perception of the world, and in turn, a perception of your connection with God.

All human beings are created with the natural need to give and receive love. We are created in love which forms the foundation of our divine spiritual selves, and of our physically manifested life. Even the many limitations that we encounter in our early lives do not remove love from our spiritual center, because it is the essence of who we are.

The antidote to this cycle of difficulty is the development of self love. Self love is not a technique, but rather the restoration of our innate spiritual center—GOD—which is love. From this place, love from our Divine Creator flows freely into the body, mind, emotional bodies, and spirit. Love is expressed outwardly towards others and oneself as a natural flow.

Demonstrating self-love begins with self-acceptance. They are essentially the same. You begin loving yourself when you stop rejecting yourself, especially on the feeling level. When you practice self-acceptance of your feelings as they are now, you will experience real changes in consciousness. You no longer try to juggle people or possessions in the external world in order to find fulfillment. You find fulfillment from within, simply by accepting, without acting out, your feelings as they are right now.

Do not underestimate the importance of self-acceptance. It can end the emotional pain that you feel or lead to the spiritual experience you want. Starting with the mundane, you will reach the highest of inner realization. In welcoming all your feelings, you become whole; life becomes holistic. You experience oneness. You no longer compulsively search for oneness in the external world, whether with another person or with an achievement. You accept and love yourself.

We can begin by finding a calm inner place within our spirit to meditate and reflect. Sometimes it may seem difficult to find a little piece of inner calm – especially when things are hard. You probably know how much better you feel when you take time to find that calm place inside – but how many of us actually take the time to find that calm place when we are stressed out, or even on a regular basis? If we take the time to find that calm inner place, this is the path to the inner peace and self acceptance that we all so desperately crave. This means finding peace with our inner and outer selves.

Most of us as women are assaulted with negative messages of our outer selves and our bodies on a regular basis by magazines and newspapers, advertisements, “well meaning” family members, peers, and even friends. We’re shown computer-manipulated images of the “perfect” body-a body that is not natural for the vast majority of us, and can only be obtained through self-abuse and starvation.

We sometimes forget that women come in lots of different shapes and sizes, and this diversity is just not reflected in the media. It’s hard to feel good about ourselves when we don’t see ourselves reflected back. How we feel about our bodies affects how we feel about ourselves. So it’s important that we embrace our bodies, and find ways to love our bodies-and ourselves.

There is no doubt in my mind that the quality of love is the #1 quality that God would like to get worked into our souls and personalities. Even nonbelievers, atheists and agnostics can see the power of love and how it has the ability to change people and change lives when it is properly handled and walked out.

Hollywood has made tons of movies just on the power of love – especially the special love that can occur between a man and woman in a romantic relationship. Even hard, tough grown men can be brought to tears when watching a real well made movie made about the power of love.

The quality of love is truly universal – as it literally transcends peoples, nations and religions. Love is truly the universal language of this world and people from all different walks of life recognize it for what it truly is and understand the power that is in it. Surrounding yourself with love brings positive energy into your life because loving yourself is loving God.



Source by Cathy Holloway Hill

Current Trends in Wedding Photography

Wedding photography is an evolving field that requires artistic talent, vision, and highly technical expertise.

In the past wedding photography was almost always limited to stiff posses without much regard for the underlying story, emotion, romance, and behind the scene events of the wedding day.

Although there is still a big segment of the wedding industry that practices traditional photography with its preplanned poses, and recreation of the wedding peak events such as the kiss, the ring exchange, etc., the modern wedding couple demands a more contemporary approach to their wedding day.

Wedding photojournalism has been in vogue for the past decade. The central idea behind it has been the capture of the wedding events without any interference or direction from the wedding photographer. The photographer is there to capture the true essence of the wedding day. As a result of this realistic approach the photographs are a true representation of the wedding day. Hard core wedding journalistic will be totally opposed to posing any wedding related event. If it doesn’t not happen during the wedding it won’t be recorded. This includes family group photos.

Several photographers offer a hybrid approach to wedding photography, usually a combination of traditional and journalistic wedding photography. In this approach the photographer focuses on documenting the wedding day but the coverage also includes a session with the couple for formal posed or semi-posed photographs and also family group photos.

The latest trend in wedding photography is toward a more fashionable approach. Inspired on high-end fashion magazines such as Vogue, Elle, InStyle, Cosmopolitan, Glamour, GQ, American Photo, etc., and wedding magazines the photographer seeks to make the couple’s fantasies real.

In the fashion wedding photography approach the goal is to make the wedding couple look their best. Their romantic interplay is glamorized to its maximum expression. The everyday couple becomes like wedding celebrities. Attention to detail is required to achieve the perfect look. This approach requires a great deal of artistic talent behind the camera and also great computer image editing skill to produce a unique photo. Half the photo is made on the camera with the second half achieved though digital image editing and manipulation.

Which style is best, is for you to decide. In our experience a big segment of the wedding couples want to capture the reality, details and romance of the wedding day but at the same time they have fantasies about their wedding and the way they should look.

When making a decision for a wedding photographer look closely to the photographer’s portfolio and see how it agrees with your philosophy on how your wedding day should be photographed. Regardless of your philosophy please make sure that you select a master of the craft, you and the next generation deserve masterpiece memories of your wedding day.



Source by Juan Carlos Torres

Preserving Our Democracy on Valentine’s Day

On this forthcoming Valentine’s Day, my significant other and I chose to keep away from customary endowments, for example, favor sweet for her or a container of decent alcohol for me for making blessings that help safeguard our vote based system.

The two of us have been seriously stressed by the cases Donald Trump made promptly after the race, and keeping on dating, about how a large number of illicit votes as far as anyone knows cost him the prevalent vote. He is firmly considering propelling an examination concerning claimed voter misrepresentation, notwithstanding the way that his own particular legal counselors prior expressed there was no mass voter extortion in the 2016 presidential decision. Numerous unmistakable Republicans, for example, Paul Ryan, pushed back against Trump on this issue, requesting that him either exhibit proof or quit discussing this issue. Subsequently, unmistakable daily papers and reality checkers have included Trump’s cases around voter misrepresentation to his rundown of falsehoods. Still, regardless of such pushback, as per surveying, a dominant part of his supporters trust Trump won the prominent vote.

On Valentine’s Day, we went to our most loved night out place, somewhat Italian eatery not a long way from our home. After a scrumptious cheesecake dessert, it was the ideal opportunity for our blessing trade. She displayed her blessing initial, a gift to the Against Malaria Foundation. With her $50 blessing in my name, she purchased 20 extensive bed-estimate nets that would ensure families in the creating scene against fatal intestinal sickness conveying mosquitoes. Thusly, I gave $50 to GiveDirectly, in her name. This philanthropy exchanges cash specifically to beneficiaries in a portion of the poorest towns in Africa, who have the pride of utilizing the cash as they wish. It resembles giving cash straightforwardly to the destitute, with the exception of dollars go a ton promote in East Africa than in the United States.

This year, we chose to do a similar thing, with the exception of giving that cash to associations that battle against lies in governmental issues, accordingly safeguarding our majority rules system from tyranny. While we both serve on the Board of a charitable association, Intentional Insights, which has a venture committed to battling post-truth legislative issues, we chose ahead of time not to provide for that association as we as of now give bounty to it, and such a blessing would be excessively clear and stay away from the unexpected component. I’ve truly appreciated exploring different associations tending to the myth of enormous voter misrepresentation or upholding against lies in legislative issues, and have effectively made my blessing. I’m anxious to go on our trip for Valentine’s Day and present my significant other with it, and discover where she gave her blessing.



Source by Gleb Tsipursky

Airport DVD Rentals

Airline passengers on both domestic and international flights are familiar with DVD movies shown to combat boredom during their travel. Some domestic flights might not have this option because of shorter flights, but international flights are making a great effort to include new DVD movies on the agenda to make a passenger’s long journey as comfortable as possible.

Stores who rent DVDs to airports try to do it at a considerably lower price than for individual customers, because airports order in lots. The number of flights leaving from big international airports can be as many as 10 or more per day, and all of these flights show movies during the course of travel.

Airport authorities usually keep a stack of DVDs. Some are purchased while others are rented on a long-term basis through online DVD rental stores.

Usually stores provide unlimited DVDs rentals to airports for a nominal monthly fee. The newest movies are available, and regular airport customers can book in advance.

Online rental stores make it a point to deliver DVDs to any airport across the country as a bonus. Airports can rent movies and return them once the flight returns.

Rental agencies allow airports to rent out more than one movie at a time with a single membership. This provides more flexibility to airport authorities who are selecting movies during any given time period. Airport memberships can be by the month, year or lifetime. The best option for an airport would seem to be lifetime membership, since airports renting movies for flights will probably continue doing so for a long time.



Source by Josh Riverside

Top 5 MLM Companies – MLM’s Industry Leaders

In this article we take a quick look at the network marketing industry heavyweight contenders. We review the features, advantages and disadvantages of the top 5 MLM companies based on their popularity. The measure used to determine the most popular is simply Internet search traffic volume. Although popularity may not necessarily be the best reason for any person to join, we thought it would be useful to know a little about these companies that are attracting the most attention in the online world.

The actual popularity of various network marketing companies is calculated by Mark D Worthan’s Best-MLM-Opportunities.com which uses Google search data. His rankings are based on Google Trends, which is a service from Google Labs that allows you to compare the number of searches for various keywords across time. The service can be used to determine the relative number of searches for various MLM companies. Here are the results from current data, along with a short overview of each company:

1. Amway – Amway began when its founders became distributors of Nutrilite vitamins in 1959. Amway is famous for “legitimizing” the network marketing industry in 1979, based on FTC’s ruling that the company did not qualify as a pyramid scheme. This was based on the finding that the Amway compensation system was based on product sales vs. recruiting payments. Amway reported sales of $8.4 billion in 2009. Amway North America was closed in the early 2000’s and most North American distributors became memebers of sister company Quixtar, but still continue to order Amway products. At that time, the average monthly earnings for “active” Independent Business Owners was disclosed to be $115. The main advantage of Amway is is broad name recognition in the industry. Its main disadvantage, as reported by many distributors, is its compensation plan which makes adequate earnings difficult for most IBOs.

2. Herbalife – Herbalife was founded in 1980 and achieved net sales if $2.3 billion in 2009. Over the years Herbalife has faced occasional legal challenges over the safety of its products, none of which has yet been upheld. The company reached settlement with the California Attorney General in 1985 for $850 million when charged with making inflated product claims. The company’s product formulations were changed to eliminate Ma Huang in 2002 when several states enacted laws to ban the use of ephedrine alkaloids. In 2007 a scientific study at the University Hospital of Bern Switzerland and Israeli hospitals found an association between consumption of Herbalife products and hepatitis. These items and other media and legal settlements seem to be the company’s main disadvantages.

3. Mary Kay – Mary Kay started in 1963 as a skin care and cosmetics products company, based initially on a tanner’s formulations. Worldwide revenues were $2.5 billion in 2009. Brand recognition is the main advantage of this company, which obviously appeals more to women than men. A significantly high annual turnover is experienced for both US (68.6%) and Canadian (85%) consultants. Earnings statistics reported for Canada were that of 29,675 consultants, only 1878 grossed more than $100, 276 of the 553 Sales Directors earned more than $17,471 and 15 of the 23 National Directors earned more than $100K, which suggests significant earnings are experienced by only a few top consultants.

4. Pampered Chef – Pampered Chef was founded in 1980, using in-home demonstrations to market cookwares via the party plan business model. Berkshire Hathaway Corporation acquired Pampered Chef in 2002. Earnings figures are unavailable.

5. Monavie – Monavie distributes a juice product made from blended fruit juice with main components of freeze-dried acai powder and puree. Monavie, founded in 2005, was recently ranked eighteenth on Inc. Magazine’s 500/5000 ranking of the fastest growing private companies in the US. Company claims of effectiveness of its key polyphenol antioxidants have been refuted by the FDA, Linus Pauling Institute, and European Food Safety Authority which state that such compounds have little or no value following digestion. A Newsweek article reported only 10% of distributors earned more than $100 per week and the 2008 rentention rate for new recruits was only 30%. Monavie reamains a very viable opportunity for signifant earnings despite these issues and highly popular #9 ranked on MLMInsider.com’s annual report. This may be due to its more up-to-date and potentially lucrative compensation plan and outstanding management, although a recent mlmwatchdog.com video reports a significantloss of interest due to compensation plan changes in the last year.

We don’t necessarily recommend or advise against joining any of these top 5 companies, but merely wanted to look at a few facts about them. The main point to be made here is how few people do any checking on company background, the founders and/or compensation plan before joining. If evaluating home business opportunities, it is advisable to get familiar with the industry, establish some selection criteria and make an informed, unemotional choice. One thing to note is that strong emotions often come into play in the “buying” process of selecting a home business opportunity and after the fact justification of decisions made emotionally is very common.



Source by Jim C Green

Are You Ready to Be a Cat Owner?

You may have been longing to get a cat but you need to decide if you are prepared to commit yourself. There are lots of factors to take into consideration, and you can start from here:

You know the value of socialization.

Cats have this unfair reputation of being antisocial, and in the case of many felines, this is somehow true. However, when you train your cat to socialize early in life, they are less likely to shy away from relatives or friends who visit. How can you teach your cat to be confident? Let her experience new surroundings, people, things, sounds and scents, as well as treats and praises. You can let them attend classes for kittens that provide helpful training and exercises. Giving a lot of importance to socialization and understanding what you need to do to will bring up a kitty with self confidence may show that you are prepared to get a cat.

You have the means.

It may be hard to figure out how much you need to care for a cat, but certainly, this involves costs of food, bowls, litter, litter box, toys, grooming tools, enrichment products like cat trees and scratchers, identification and microchipping, parasite preventives and veterinary visits. The last one is definitely a big expense. Not all cats visit the veterinarian on a regular basis. A yearly physical exam may be adequate for some cats, while more frequent visits to the vet are needed by older cats and those with health problems. If you are computing the costs to know whether you can afford to get a cat, always include the expenses entailed in health care, as well as pet insurance and emergencies in case you decide to buy it.

You will devote time to exercise your cat.

Cats also need to exercise. It does not mean that you need to walk them the way you do with a dog, though some are trained to do so with a leash. Exercise is very important to cats, even more than most probable cat owners may realize. Besides promoting good physical and mental health, it strengthens the bond between a pet and its owner. Therefore, it is best to devote time daily for active play, and provide cats with toys that encourage them to move a lot – like climbing trees, laser pointers, feather toys, as well as cardboard boxes and paper bags.

You are bent on making your home cat-friendly.

It is easy to recognize cat-friendly houses with their cat trees, scratching posts and food puzzles. These enrichment playthings let cats use their natural instincts – like climbing, jumping, scratching and hunting. In essence, they add more excitement to life, and what more could your favorite feline ask for? When you have discovered how to fit them into your home, there is one other thing you need to do when it comes to cat-friendly living, and that is cat proofing. If you decide to take home a cat, make sure to get rid of and be careful of things that could hurt or poison her – like some chemicals, cleaners, foods, medications and plants, among others.



Source by Matt McWilliam

Kiev City Guide For Travelers

You are planning thoroughly your trip to Kiev, surfing the web for information on Kiev best sights, restaurants and night clubs, and thinking how to plan your stay the best, what to see and where to go to… You are packing your new camera in order to make beautiful photos of golden domes, Khreschatik Street and Kiev parks… You are thinking what to wear and checking weather forecast for the days of your visit… In a few days or weeks you will get to another world with smiling people, ancient brick streets, monuments and cathedrals…

Quick facts:

Status: capital of Ukraine

Number of regions: 10

Date of foundation: fifth century AD

Area: 839 km2

Elevation: 179 m above sea level

Geographical coordinates: latitude 50°27’N; longitude 30°30’E

Climate: moderate continental with mild winter and warm summer

Temperature: average Kiev temperature in January is 6 degrees below zero Celsius, average in June is 20 degrees above zero Celsius; lowest temperature in winter is 25 degrees below zero Celsius; highest temperature in summer is 32 degrees above zero Celsius.

Population: 2,6 million (2005)

Density: 3178 people/km2

Car code: AA

Phone code: +380 44

Kiev Mayor: Leonid Chernovetskiy (since 2006)

Kiev history

The legend says that there was a prince family of three brothers named Kiy, Schek and Khoryv and a sister Lybid. Kiy ruled a powerful Slavic tribe and was looking for a place to settle a new home for his people. When they came to the beautiful hills upon Dnepr river and saw wonderful panorama of blue river and seven hills covered with chestnut trees, they liked that place very much and decided to settle there. They established a city and gave it the name Kiev in honour of their oldest brother Kiy more than 1500 years ago. Prince Kiy and his family lived on one hill, Schek settled on another hill which got the mane Schekavitsa, and Khoryv settled on the third hill called Khorevitsa.

Since 882 Kiev became the capital on ancient powerful state called Kievan Rus. In 998 Kiev Prince Vladimir introduced Christianity in Kievan Rus by baptising Kiev population in Dnepr river. In 1240 the city was demolished by mongol-tatars who invaded Kievan Rus, and later it was rebuilt. Since 1362 Kiev and major part of Ukraine belonged to Lithuania and Poland and in 1654 it became part of Russian Empire and then USSR.

In 1991 Ukrainian people voted for independence of Ukraine and Kiev became its capital. Since that time it is the center of Ukraine’s political, economic and cultural life.

In November 2004 Kiev was the central place of Orange Revolution when hundreds of thousands of Ukrainian people protested against election falsification in the streets and later elected another ruling party and the President of Ukraine.

Kiev accommodation

Most visitors to Kiev prefer apartment or hotel accommodation. Kiev hotels provide security and a certain level of service according to their level (three star, four star, five star), Kiev apartments allow greater privacy and flexibility. Average single room in Kiev hotel will cost $100-130 per night, while a 1-room apartment with all amenities will cost $40-60 depending on its location, space and extra facilities like jakuzzi, home cinema, etc.

Kiev sights rating

I recommend you to visit:

Golden Gate of Kiev – the ancient gate to Kiev, which is now located in its very center, it is made of wood and stone with a small golden dome above

St Sofia Cathedral – one of the most beautiful Kiev cathedrals with Bell Tower and chestnut trees around the cathedral

St Michael Cathedral – newly rebuilt cathedral with beautiful blue walls, ornament and large golden domes

St Vladimir Cathedral – cathedral in Kiev center where official orthodox religious ceremonies take place

St Andrew Church and Andrew Descent (Andreevskiy Spusk) – a popular place with tourists with numerous souvenir booths, old brick descent, art galleries and museums

Kiev Cave Monastery (Lavra) – the ancient monastery where you can see the caves where monks lived in ancient times, several churches and the largest Bell tower in Kiev

Russian Art Museum and Ukrainian Art Museum – art connoisseurs will get much pleasure seeing masterpieces of world art in Kiev museums

Kiev Opera and Ballet Theater – an enjoyable experience of listening to live classical music and watching dances

Pirogovo ethnic village – an opportunity to see old village houses, windmills and household appliances of different Ukrainian regions

War Museum – you can see there numerous tanks and war airplanes and the gigantic metal statue of woman symbolizing Homeland

Kiev Botanic Garden – in spring and summer you can see there beautiful trees and blossoming flowers

Mariinsky Palace – a majestic palace where official government ceremonies take place, it is surrounded by green park with panorama of Dnepr and its left bank

Independence Square – the very central part of Kiev, from which the distances to other cities are calculated, it has a large underground shopping center, central Post office, banks and restaurants

Khreschatik Street – main street in Kiev where people can walk on the highway on Saturday and Sunday

Vladimir Mount – a park on the mount with large statue symbolizing Prince Vladimir with cross when he introduced Christianity and baptized Slavic people.

What to wear

If you come to Kiev in summer, it would be nice to take a summer jacket, jeans and T-shirts, sandals or baskets and probably shorts or dress for the case of heat. For spring or autumn it is better to take a few warm things and a jacket. For the winter you will need a winter coat or a warm jacket, a few sweaters, a scarf, gloves and cap.

If you go inside a church or cathedral, women have to cover their head with a shawl, while men need to take off their hats.

Eating out in Kiev

To try delicious Ukrainian cuisine we recommend you the following Kiev restaurants:

Pervak restaurant – a medium-price restaurant located in 2, Rognedinskaya St. You can taste borsch and vareniks, small pies and various meat and fish dishes. The dinner will cost you about $30-50 per person depending on the food and drinks you choose.

Taras restaurant – located in Shevchenko park near major Kiev Museums, close to Kiev University. You can order various pancakes as well as national cuisine dishes. The dinner will cost you $35-55.

USSR restaurant – located near Kiev War Museum and Kiev Lavra Monastery in 42/1 Sichnevogo Povstannya St. and decorated with USSR symbolics. The dinner will cost you $35-55.

Puzata Khata (Big Bellied House) fast food restaurant which combines original interior in peasant house style, tasty Ukrainian food, vast choice of dishes and low prices. It is located in very center, 1/2a Basseinaya St., in the beginning of Khreschatik. Here you can try traditional Ukrainian pampushky, Chicken Kiev, different salads and main courses. On the first floor you can also choose one numerous cakes and even order fresh made juice. The dinner cost is $3-10 per person.

Zdorovenky Buly (Good Health to You)

That’s a very popular fast food restaurant located near Khreschatik metro station which probably has the largest choice of different foods: salad bar, pancakes, varenyky, pizzas, soups, tasty desserts. Its comfortable rooms are decorated in various styles: Chinese, Indian, Egyptian and Greek. It also has Tea bar with cakes where one can sit and talk. Dinner: $3-10 per person.

Ukrainian souvenirs

You can buy various Ukrainian souvenirs on Andrew Descent (Andreevskiy Spusk): embroidered towels, matrioshkas, wooden painted plates and eggs, glass souvenirs, small dolls in national clothing, paintings and clothing. There is also a souvenir section in Kiev central   magazine  (Tsum), located in Khreschatik St and a souvenir shop near St Sofia Cathedral.



Source by Polina Kryuchkova

Procession Caterpillars – Friend Or Foe?

Caterpillars remind me of my garden, eating the plantation, small, harmless, maybe even cute but annoying to the plant life with no risk to me, children or my pets. Ask me about procession caterpillars and I will give you a completely different answer. Friend or foe?

Foe would not even begin to describe these characters, they are the enemy and should be avoided at all costs. Enemy probably sounds too strong a description for a little hairy caterpillar but trust me, don’t make a judgement because of its size or because you have always liked them.

Found across Europe, especially in Mediterranean countries where the temperatures are generally warmer, officially titled Thaumatopoea Pitycampa or the caterpillar of the pine tree. They are considered a threat to the trees, dangerous to animals and to people can cause a very strong allergic reaction caused by the hairs found on their backs.

Traditionally, the nests are found in the pine trees and their home is usually positioned on the sunny side of the tree and can often be spotted from a distance where the pine needles have turned brown.

On closer inspection, white candy floss woven on the branches and delicate silk bags can be seen decorating the trees. These are the nests of the procession caterpillar, protecting them as they grow and keeping them warm.

To feed, they leave the safety of their home at night and walk along the branches to demolish and feast on the pine tree, venturing further afield once they depleted the supplies. They are greedy and destructive and are active in the winter months, often feeding in zero temperatures before returning to the nest to rest and digest their feed in the warmer, sunlight hours.

In March when they are fully grown they commence the next stage of their journey, leaving the safety of the nest and tree in search of a burial site.

Why are they named procession caterpillars? When they start to move, they look as though they are marching, like an army in a line, head to tail determined to find a suitable pupation site in the soil. They may travel long distances from the host tree before they bury themselves, spending the warmer months buried as a pupa. In August, the moth emerges from its cocoon, mates and lays its eggs in a pine tree and the cycle commences all over again.

We have lived in Spain for several years now and we have a lovely pet dog named Angel, who is a West Highland Terrier, who loves to pretend to hunt and explore the woods amongst the pine trees. We have never experienced any problems and for the majority of the year it is a safe and pleasant place to walk. During the first quarter of the year, January through to April we do have to be vigilant and we prefer to find other areas to walk.

The beginning of the year is the most dangerous time for exposure to the caterpillars, although the nests are formed before then. Due to the weather being warmer, whether climate change is to blame or not I do not know, but I have seen the caterpillars in the woods feeding and away from their nests in early December, although unusual.

True to her breed, Angel is always sniffing in bushes and tracking a smell through the undergrowth and it is this behaviour that causes her the greatest threat. Along the back of the insects are fine, irritating hairs that if inhaled, licked or indeed eaten the caterpillar can cause her great pain. Dogs, cats and foxes are among the animals at most risk to these insects, attracted to them because of their colour and some say their odour.

If the hairs come into contact with the animals lips or tongue, the area will swell very quickly and cause a large amount of pain and we need to ensure this does not asphyxiate them. If the caterpillar has been eaten then the symptoms are more severe with vomiting, a fever and blood present in the urine. If you suspect your animal has come into contact with the caterpillars you must take them to the vet immediately, the faster the treatment can be administered the better.

The hairs on the caterpillar are released into the air and do not have to be attached to inflict injury. Beware, poking the insect with a stick or treading on them will only release the hairs into the environment and you will become more susceptible to inhalation. Even if the caterpillar is dead the hairs remain dangerous.

Disposing of the nests during the winter months should be left to the professionals, although spraying the nests with hairspray to ensure the hairs do not disperse into the air, covering with a plastic bag and cutting the branch down is the usual treatment before setting the nest on fire. Protective clothing including goggles must be worn, so leave it to the experts. A procession of caterpillars are usually set alight after dousing them with lighter fluid, again to prevent the hairs from circulating.

Please note, I do not advocate this procedure as the trees and woodland are often dry and desiccated and this poses a real threat to forest and bush fires.

Please keep your pets safe, do not panic about the caterpillars, learning to live with them, being careful and aware helps to prevent any problems or encounters with the insects. They are not around all year, it is only for a short period of time that you need to be vigilant. Remember, if you think your pets have come into contact with them or indeed yourself seek veterinary and medical assistance immediately. Photographs of the caterpillars can be found on my website.



Source by Kerry Joyce

7 Pros and 7 Cons of Audiobooks

I just finished my first audiobook. And it was an experience worth sharing:

I had been reading reviews and blog posts and tweets about Seth Godin’s newest book, Linchpin. Went to a couple of bookshops on my way to work/home; it wasn’t available. So I went to Amazon.com to order one. I was at Amazon after a long time, and was surprised to see the options available: Kindle (ebook download), hardcover, paperback, audio CD and audio download. Audio download looked like the fastest option so I checked it out. It took me to Audible.com – an Amazon company, where an audio download was being offered for just USD7.49 with a new membership! I signed up, paid the money, downloaded the book, and started listening to it right away! The benefits:

1. It’s fast. I was listening to the book after just a few clicks in few minutes.

2. It’s cheap. Book versions were USD13-25.

3. It’s convenient. I copied the file to my iPhone to listen during my commute to and from work.

4. It’s safe. A copy each on my computer, iPhone and backup is likely to last (damage-free) as long as I wish.

5. It takes no space. So less clutter. No worries about whether to keep, sell off, recycle or give-away.

6. It’s environment-friendly. No paper, ink, chemicals.

7. It’s comfortable. For someone who spends a lot of time in front of computers or books, this is a good break for the eyes. You can listen while standing, walking or lying down.

And the disadvantages:

1. You need technology – computer, Internet access, applications like iTunes, and power supply

2. You need a handheld device to maximize the use of audiobooks – iPhone, iPod or any other MP3 player

3. You need a credit card for online purchase

4. You can’t share. I love giving away my books to someone who might enjoy/benefit. Most audiobooks can’t be shared on multiple computers/accounts.

5. You can’t refer as easily. I like to go back to particular passages in my favorite books for inspiration/information/sharing. In audiobooks, you can fast-forward to chapters but it’s difficult to go to the exact passage you are looking for.

6. You can lose it easily – unless you have a good backup system.

7. You become anti-social. Your chances of interesting conversations with strangers greatly diminish if you go around with headphones in your ears.

On balance, I think it depends on your lifestyle, circumstances and even the kind of book you want to read. Please take a few minutes to share your views through comments: Have you tried an audiobook? If not, will you? What other pros and cons can you think of?



Source by Mush A Panjwani