The Extreme Futurist Blog
Helping you read yourself into the future.

Kids Camp Is A Great Experience November 18, 2014

Everyone who has children wants to be a good parent and there are many ways to go about doing the job right. Every kid is different and requires a certain mindful kind of touch in order to get the best out of them and there is a kids camp somewhere that is right up their alley. Stimulating our children in the healthiest ways and taking a well-rounded approach at doing so is an important thing to do, otherwise they can get bored and their development can be stunted. Kids camps of all kinds exist and their intentions are to provide a healthy environment for them to learn, be active and make friends and most of all, have fun. We all want our kids to be happy so it is important to for us to provide them with great experiences and create and place them into environments where they are encouraged to learn and be happy, that’s what summer camp is all about.

If you know your kid well, you know what makes them happy and the things they like to do. If they have some healthy hobbies or sports they show a particular passion for, it’s good to encourage those things if you see value in them. Regardless of whether you see value or not, if it makes your kid happy and it is not destructive, it’s definitely something you should understand and still be supportive of. Think of all the parents of skateboarding kids in the 80s and 90s who were judgmental of their kid’s passion and look at where the sport is today and the people who have made careers out of it. There are people making millions of dollars in that industry and it all started with a love for what they did. Speaking of skateboarding, there are even skateboarding summer camps that your kid can attend if they’re into skateboarding. Even snowboarding camps in the US exist during the summer in the Pacific Northwest, so if you are looking to encourage your kid to pursue their passion and whatever it is that makes them happy, there may be way more options than you thought there were.

So, when you know what your kid enjoys and decide that it is time for them to take the next step and get more serious about it, it doesn’t matter if it’s something intellectual, athletic or exploratory because there is almost certainly a camp for them that will excite them and help them improve their skills. Researching the matter from a parent’s perspective involves the internet more than anything and making some phone calls. Finances factor into the equation of course as well, and if that is the most pressing matter you need to set a budget for this endeavor and start to weed out camps that are simply not in your price range. Room and board expenses make up a large portion of the price tag with overnight camps. Keep that in mind because you may be able to save a lot of money by considering only day camps that are local, so those associated room and board expenses won’t blow your budget out of the water. There are some amazing day camps where a kid can learn just as much as they would at an overnight camp, except what it’s like to be away from home for an extended amount of time, which may or may not be something they are ready for anyway.

Speaking of being away from home; it is an idea that both parents and children can struggle with but it’s definitely something that at some point, you are going to want your child to experience and is something that you are going to need to get more comfortable with. Most likely, your kid will be moving away from home and going off to college somewhere when they graduate high school and you don’t necessarily want that to be the first time they experience what it’s like to be away from home. Kids of all ages can get homesick and although it may be inevitable, there are ways to prepare them for this by taking baby steps. If you are going to send them off to an overnight camp where they are out of your reach, you will want to know beforehand how they are likely going to react. Time away at a friend or family member’s house for a night or two at a time is a good way to test the waters before you throw them in head first.

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A Denver Orthodontist May Offer What You Are Looking For November 11, 2014

A lot of people care about their teeth and if they didn’t there would be a whole lot of would-be orthodontists looking for work in other fields. Every city has options for smile correction and if you research those in your area you will probably find that they offer a wide array of services that you may be able to take advantage of. If you are looking for a Denver orthodontist it is not difficult to find one because there are many but if you are looking for a specific kind of treatment that requires your orthodontist have a specialty in providing it, your options may be naturally limited which only simplifies the process. Everyone is familiar with traditional braces like the ones children wear more often than any other kind and they are still considered an extremely effective way of getting the job done, they just are not very discreet. This if fine for kids but it is a different matter altogether for an adult who has to worry about maintaining a professional appearance and does not want anything about their appearance to be distracting. Many kids have braces and in some cases in certain phases of their life they can almost be the norm.

Every parent wants their kid to grow into a capable and confident person but sometimes parents do not connect the dots between having straight teeth and being confident. Kids will look for any reason to make fun of other kids they do not like and although kids are not normally going to get any grief for having braces because almost everyone has them at point, they can certainly start to be ridiculed starting early for having noticeably crooked teeth. No one wants that and also, no one wants to experience tension headaches in their lives or dental and orthodontic complications that result from them grinding their teeth in their sleep and causing damage because they have a badly misaligned jaw. All of these things are within the realm of possibility for someone when someone who could use braces is not provided them in a proactive manner. In some scenarios though, braces can be avoided when an orthodontist strategically applies spacers between a patient’s teeth as they are forming in order to bring them into alignment as they come in. Retainers are often used in conjunctions with spacers to try to avoid the need for braces but sometimes they are just plain unavoidable. That is okay though because it is far more common to have problems with the straightness of your teeth than to not, so there is no good reason to be insecure or upset about something that many other people have to deal with as well.

It takes a while for some people who did not have braces as kids to get to a point where they begin to be bothered by their lack of symmetry or alignment. Insecurities can crop up at any time for these kinds of things and when they do many people see an orthodontist that informs them about the Invisalign treatment. Invisalign is quite amazing because in many cases it is capable of producing the kind of results that braces are but without metal brackets being glued to their teeth with wires attached between them. With braces, you can have plastic or ceramic brackets instead of metal ones and that can ease the mental pain associated with someone trying to wrap their head around having braces as an adult however; when Invisalign is an option instead and one that is considered to be just as effective of an option as braces you will find that people rarely choose the braces. It can be a toss-up though, because for those who are not perfect candidates for Invisalign, there is only so much that can be accomplished. If perfection is not the goal and an orthodontist tells you how close you can get without quite getting there and you believe it is worth it based on the fact that you will not have to wear braces then that is a compromise you may be willing to make. But, if perfection is the goal and Invisalign cannot get you there, you may want to look into all of the available braces options to see what you can live with. Otherwise Invisalign braces are a great option for any teenager or adult whose orthodontist is confident will produce satisfactory results. No orthodontist wants to administer any method that is not going to work well for you so don’t worry because they definitely have your best interest in mind.

 

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Maybe You Need the Services of a Mortgage Accountant November 9, 2014

CPA firmThere are a ton of financial details when it comes to working on a mortgage for either a commercial property or a residential one. You also need to consider that you need to be in compliance with federal and state laws and regulations that are associated with this type of subject, and it’s likely that you may need some help. You may want to look into hiring a mortgage accountant in order to look into all of those details, who will also check in to make sure your mortgage lender isn’t also messing up federal regulations. Mortgage accountants will know a lot of information in regards to accounting, as they have to be experts in the field, so they can be trusted with their knowledge.

Mortgage accountants know a lot – they have to be familiar with forward mortgage loan sales commitments, closed loans held for sale and mortgage servicing rights – so their experience and knowledge will prove to be invaluable. One who is good and confident in his or her services will be able to work for you without overlooking the finer details and make errors. It’s good for you to know as well – these kinds of special services that are part of mortgage banking.

Interest rate lock commitments are these specific, detailed agreements that lenders will make to their borrowers, which have specific terms and conditions, and can be made in two ways. When you are using this method on borrowing money, the lender is committing funds to the borrow on a fixed or adjustable rate basis (once the borrower is approved, of course). The rates stay fixed, regardless of how the market is doing if choose the fixed rate path. There is also the floating rate basis, which means that the amount you have to pay back per month is adjusting depending on the way the market is doing better or worse. Essentially, the rate is “floating” with the market until a future date comes with the decision to choose a fixed rate. Sometimes, this can come with balloon payments on the end of it, so it’s definitely something that needs to be discussed with the lender. All the money is accounted for as their full value in accordance with the mortgage accountant, and it’s the most straightforward way to borrow and pay back the money on the mortgage. Interest rate is dependent on the individual contract that was signed.

Forward mortgage loan sales commitments are different in that they are built up to help lenders avoid interest rate risk that are otherwise present in interest rate lock commitments. You will want the opinion of your mortgage accountant, who will deeply understand the situation and decide whether this is a necessary step to take. There are also two ways to agree to this type of lending payment plan – the mandatory and the best efforts basis. In a mandatory commitment, the loan will have to be delivered or the commitment needs to be paired off. This will end up hurting you in the process if you can’t find yourself to be able to pay them back. The best efforts basis trusts that the loan is delivered when it closes. The mortgage accountant will take the mandatory basis and will report it as a liability or an asset, depending on the situation.

The way a lender behaves during their accounting practices have significant impact on their financial statements – this is to ensure your safety, that you can look up these statements before making a choice to work with one. This is ensured by government regulations. You work with a certified public accountant (called a CPA) so you can take a look at mortgage audits and decide for yourself who you would like to work with. They can tell you whether the lender you are speaking to is following government compliance.

You hire an accountant from a reputable CPA firm in order to keep in line all of the lending transactions that are occurring during your investment agreements. The CPA is actually the one who will personally witness the money being exchanged, and this is the way that you can make sure that all the money is being accounted for. With all the money that is being traded as part of this investment, you want to be sure that you are somewhat protected and accounted for. It may be more costly for you, but it can cost you so much more without their help, as lenders are interested in helping themselves, not you.

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What It Means to Have Good Website Design

web designIf you want to measure success and failure when it comes to your website design, you usually turn to data that tell you about bounce and conversion rates, traffic and sales from your website. If you want higher numbers for your website, it’s very important to have good website design. This will start to turn the numbers more towards your favor, so follow these useful tips on creating that good-looking web design:

  1. Design an attractive logo. Place it on the top left of your page so that it’s easily visible to viewers. This will help your visitors remember your business better. Use your logo as a link for viewers to click on so they can easily go back to the homepage when they get lost or they want to go elsewhere. Your logo is essentially the face of your business. We can tell the company by the logo, after all, so make sure it’s memorable. You can hire a web developer and talk to him or her about the design of your logo.
  2. Take clutter away from the website. We find busyness and clutter annoying when it comes to the Internet. No one wants to go online to look at pop up ads or anything else that gets in the way of what we want to do. Your web design should be simple and neat. When you have a web design that is clean and concise, it will make it easier for your viewer to navigate and not have to think or get distracted. You want your viewer to continue thinking about your services, after all.
  3. Make your layout easy to navigate through. You want your website layout to be intuitive, with links that are visible and can get your visitors where they want to go. Take some notes on some of the websites that you admire their design for and see what they do when it comes to page direction and maps. Get some ideas off of them, and see how you can implement these ideas into your own website. The top of your page should have your most important information, as viewers will start to lose their attention span towards the bottom.
  4. Use colors gently. You definitely do not want crazy or clashing colors. This will make your page look unprofessional. You want an appearance that is neat and elegant, as this will make your viewers take your work more seriously. You will want your user to have a good experience with your website, so don’t strain their eyes with ugly web design. Again, take a look at the websites that you admire and see how they use color themes. Usually they stick with one or two prominent colors (that aren’t clashing) as the theme for the rest of their website – this will let users know that they are still in the same website.
  5. Make your fonts easy to read – that simple. You don’t want silly fonts or cursive fonts, or anything outside of the design of your logo for your text. This is where users will get their information from. Anything that you add to your font will just make it harder to read, and will strain the eyes of your users. Don’t make it hard for them, and just stick with ease when it comes to font size and shape. Make everything easily accessible.
  6. You will certainly want to think about responsive website design. If you keep your website design the same on any sort of mobile device as it looks on a laptop or a desktop, then your website is not ready to be viewed by mobile users. It will make it harder for them to access pages on your site through their tablet or their smartphone. Talk with your web designer about responsive website design, as this will make it easier on your viewers to access information.
  7. The last step for everything is testing, testing, testing. Test your website to make sure that all of your links lead somewhere. It may be a lot to test, but it’s worth it to make sure your website is working flawlessly. It’s highly frustrating for users to click on a link and it takes them nowhere or worse – they get an error message. This will only hurt your business, so take the time to test your new or improved website on your own. You can then talk to your web designer about fixing the issues, which can be an easy fix.
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When You Need Braces, the Orthodontist Is There to Help November 7, 2014

InvisalignThey certainly say that first impressions always count (and often you do not get a second chance). Being taught this for most of our lives, it may leave many of us with a lot of anxiety over the way we look and what we say to other people. This extends to the way we smile, which may be more important than we realize. It’s not just that people judge the way you look including the way your smile looks, but if you are self-conscious about your smile and it shows, it may leave a lasting impression not just on your looks, but on your personality. You see, people assess your personality based on your facial expressions, and if you are timid about your smiles, people may get the wrong idea and may not take the time to get to know who you really are. If you are crippling with the relationship that you have with your smile, it may be very beneficial for you to see an orthodontist to get smile correction.

The orthodontist is a specialist dealing with cosmetic and surgical procedures on the smile and the mouth in general. A dentist is often the first person to refer you to one, but you certainly don’t have to see the dentist in order to see the orthodontist (although it is important to keep the dentist in mind, as you can’t have a great smile with clean teeth). When you visit the orthodontist, you will get a professional assessment over your current condition as far as treatment options go – after all, orthodontic treatments are not just the use of braces!

You may be the kind of person that has a mild case in terms of misalignment of the teeth. If that’s the case, then you’re in luck. The orthodontist will suggest the use of either a retainer, a spacer or a veneer, which are all pretty discreet and can be taken off when needed so that no one is aware that you are undergoing treatment for smile correction. For many though, a retainer or the rest are not enough, and the orthodontist will suggest the uses of braces that you will have to take into serious consideration if you want to get the smile that you’ve wanted.

If an orthodontist has to tell you that you need braces, there is no reason to despair. There are many, many options out there. If you are despairing, it’s probably because you are worried of how you are going to look in braces and whether you will face ridicule because you are wearing standard, traditional braces. For many adults, this isn’t a plausible option because of the professional environment where they have to keep appearance for colleagues, bosses and clients. For the rest, it may be a huge hinderance for their private lives considering that people associate braces with children and teenagers (and therefore adults are too old for them). For adults that never got the opportunity to wear braces when they were younger, this can be a source of anxiety, but there are braces for adults.

One of which are clear braces. You may have seen them before – they are like normal braces, except they are clear. Considering that you may have seen them before, you will know that they are not entirely discreet, as all you need is some awareness and attention towards the teeth and the presence of clear braces becomes noticeable. They are incredibly effective as a treatment method however and cost-friendly. In essence, it’s a popular option, and they are certainly much better at being subtle than steel braces.

There are also lingual braces, which are placed behind teeth, making them entirely unnoticeable. You can imagine that the application process for these teeth can get complex since the orthodontist will have to put in a lot of effort in order to ensure them, as opposed to normal or clear braces which are glued to the front of the teeth and are easy to put on and take off. Lingual braces however are not comfortable, and they are not nearly as effective, so whether this is an available option for you will depend on your individual case.

Invisalign is a great option as well, as these are very clear plastic aligners that are placed around your teeth (instead of being glued). They are highly unnoticeable, and over time, you will need to exchange your aligners a couple of times to keep up with your improving tooth alignment. They are of course, much more expensive in relation to other treatment methods.

Whatever your needs are, the person that will be able to address them would be the orthodontist.

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Clear Braces Can Make A Big Difference November 3, 2014

Many people in this country we live in are very concerned about their appearances and although Americans are not alone regarding personal aesthetics, they certainly care a whole lot more about their smiles than the general population in any other country. No one wakes up in the morning and looks in the mirror and tells themselves that they love their crooked and misaligned teeth; in fact it is quite the contrary. Everyone should find a way to be happy with themselves and not get too down about superficial things, but lust like everyone would prefer to be fit than out-of-shape when it doesn’t occur naturally one has to put in some work in order to get the results they desire. Spacers and retainers can be utilized by an orthodontist in order to help a smile take shape properly but if they don’t produce the results and it becomes clear that braces will most likely be required for one to ultimately feel comfortable with their teeth, it is time to get it done. Having braces during one’s adolescence is a proactive way to deal with health issues that can surface later in life due to a misaligned bite, like teeth grinding and tensions headaches. So, not only do braces serve a valuable aesthetic purpose, it is good for one’s overall health as well and anything that helps someone be more healthy in an emotional and/or physical sense is obviously beneficial to them.

Most everyone is familiar with braces by the time they get out of grade-school because either some of their friends have them already or they themselves do. Most parents whose orthodontists recommend that their kid gets braces have them install traditional and economical metal brackets. For those who want a more streamlined look though, there are other materials that braces can incorporate so they are not as obvious. Clear braces use brackets are manufactured using hard, transparent plastic and although the same metal wiring between the brackets attached to the front of the teeth is typically used, from a distance especially it is difficult to detect. Brackets made out of ceramic are applied using white wiring often and is also an option that some people and parents choose for their children for the same reasons that they may choose clear braces. There are drawbacks to using these materials instead of metal though; they are less durable so they often require more care and maintenance. This is often not a big issue for adults who are paying for this procedure themselves because they are motivated to take care of their hardware, but for kids who are rambunctious and not sensitive to the matter will often eat things they are not supposed to that necessitates a need for repairs and more frequent trips to the orthodontist.

The most affordable way to straighten teeth is most definitely the braces method and those who can stand the idea of getting them installed and having to wear them for a couple of years should probably follow their orthodontist’s recommendation. When a discreet method is required because one is a known executive, TV personality or even a celebrity however, another method has entered into the orthodontics sphere that many people are excited about. It is called Invisalign and although some people might believe that ceramic braces are discreet enough for their tastes, others feel like Invisalign is the only logical choice for them. The Invisalign procedure is simple but requires a lot of very high-tech equipment to produce and administer. A special apparatus that maps and produce a digital image of a patient’s smile is ultimately used to produce more images that slowly move into alignment with small adjustments made to each one. The software used to produce these images then works with a 3-D printer that actually manufactures exact molds of the images out of strong, clear plastic so the patient can progress through them all on their way to a wonderful smile. Many before and after pictures are available online of known celebrities who have taken advantage of the Invisalign method and are happy with the results.

It certainly can’t feel very good to not feel confident about one’s smile, and if they make a conscious effort to conceal it then it is most definitely impacting their ability to act naturally and have a good time. People struggle with confidence issues all the time but they don’t have to be because they are self-conscious about their teeth and if they know they have affordable options there is something that should be done. Orthodontists everywhere would be more than happy to talk to anyone about the matter but the interaction usually has to be instigated by the person seeking their services.

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