Borrowing Money from a Credit Union: Can Credit Unions Give Out Good Mortgages?

credit union Highlands Ranch

With a credit union, just about any type of financial product features better conditions than in the case of a bank or almost any other financial institution. When you borrow money from a credit union, you can expect to be provided with a better overall experience, a faster process and a more favorable approval rate.

It doesn’t always matter if your credit score is good or not. A recommended credit union Highlands Ranch institution will provide you with the support and financial education you need in order to get through a difficult situation, even if you need a mortgage or some other large loan.

The Classic Approach: Borrowing from Banks

Mortgages are not to be taken lightly. They are typically one of the largest loans that a regular person can borrow for themselves, and they will require a large down payment in most cases. When you try to get a mortgage from a bank, you can also expect a lengthy process of evaluating your eligibility, ensuring that all your financial documents are in order and checking to see if you can actually afford the loan.

Also, many banks tend to take extra measures and precautions since they want to protect their investments. To them, clients such as yourself are more like investment opportunities that will provide them with a greater profit over time. So you can also expect that your interest rate and all the various fees you might have to pay will be pretty expensive.

Getting a Mortgage from a Credit Union

In contrast with borrowing from a bank, getting a mortgage from a credit union is a lot more convenient and easy. Credit unions are legitimate and insured, but they are also nonprofit organizations set up by members of your community. As a result, a credit union will never seek to turn you into a means of making a profit. The interest rates and fees associated with their mortgages are far more manageable, and the approval process involved is more lenient.

Credit unions are more likely to lend mortgages to people with poor credit scores or those who have limited employment opportunities. If your salary is not as great as you’d wish, and you don’t have much of a prospect to get a promotion any time soon, it can still be a good idea to consider contacting your local credit union and asking what your options are to get a mortgage and improve your credit score.

Finally, credit unions offer lending opportunities that are literally fueled by the savings of people in your local community. As a result, their mortgages are unique, lending decisions are always taken at a local level, and the union will be able to help you better educate yourself about the process of buying a house and getting the right financing for it.

If you rush into getting a mortgage, but your current financial standing doesn’t allow it just yet, then you can still rely on the credit union to help you get on the path towards learning to improve your borrowing ability, increasing your credit score and learning all about saving money for your required down payment.

Ideas On Activities to Do with Your Loved One in An Assisted Living Facility

If your elderly loved one lives in an assisted living facility, visiting is surely the most important way to stay in touch. While spending time at the facility, in your loved one’s room, in the common area or in the park is great, there are many other enjoyable ways to spend quality time together – here are some ideas from Castle Rock Senior Living care givers.

Castle Rock Senior Living

Bring Visitors with You

Many people in assisted living feel isolated and lonely, even if they get occasional visits from family members. Feeling more connected to their loved ones eases that loneliness, so transform your next visit into a small family reunion by bringing along other family members that might make your elderly loved one feel important. Arranging for video chats with relatives who live far away might also make your elderly loved one happy.

One of the problems commonly encountered by people visiting relatives in assistant living is that they don’t know what to say and what to talk about during their visits – bringing along children and teens might be a great way out of that issue and so is sharing some old or current family photos with your loved one.

Have a Meal or Snack Together

If the condition of your loved one allows, you might try to arrange for a meal outside the care facility. You can take your relative to a nearby restaurant or, even better, if the person you are visiting had a favorite eating place in the area, you can visit that place to bring back memories.

Go on a Short Outing

If your loved one’s health permits, visiting a nearby spot of interest or a place that your relative liked, such as a lake or a park, is also a great way to spend some quality time together and to bring in some variety. Don’t pick a place that requires good physical condition to visit – not being able to cover the planned distance walking might be frustrating and exhaustion can be harmful for the elderly.

Read Aloud

Reading aloud is an especially great activity if your elderly loved one is bedridden or is vision-impaired. It is a great way to entertain your relative while also expressing how much you care without having to find something to talk about.

Watching Your Loved One’s Favorite Show Together

Watching TV together is a common pastime with friends and family, so why not try it with your elderly loved one? If there is a TV in your relative’s room in the care facility, you might want to consider getting a DVD player and some movies that your relative likes or liked – watching those old movies together is another great way to spend time together in a way that is relaxing and enjoyable involved, even if conversation is difficult to make.

Play A Game

Chess, poker, bridge or other games are not only great forms of entertainment – they are also excellent for improving alertness, focus and other mental and cognitive skills. If your elderly relative used to have a passion for a game, bring along a board and play that game together.

How Much Can We Expect to Pay for Assisted Living in Denver?

Back in the old days, people wouldn’t have much of an option to care for their elders. Nursing homes were available, but conditions made even the least picky of seniors want to avoid them at all cost. Fortunately, times have changed and nowadays there are a whole host of advanced and modern facilities and centers offering such services as assisted living – which is a customized type of senior care allowing for greater freedom of movement for elders who don’t need as much support with their daily chores and medication.

assisted living Denver Colorado

The Benefits Offered by Modern Assisted Living Centers

There is a huge difference between aiming for advanced assisted living services in a larger city like Denver, when compared with similar services offered in smaller cities. You can gain access to better medical care, amenities such as swimming pools and impressive gyms, as well as access to better living conditions overall.

Denver is also considered to be one of the friendliest and most pleasant cities to live in throughout Colorado. The slightly higher costs that people here might need to pay for services like assisted living and adult day care are considered by most assisted living Denver Colorado experts to be quite worthwhile.

The Cost of Assisted Living in Denver

When it comes to comparing assisted living Denver Colorado costs versus Colorado in general, there are a few important points to keep in mind. First of all, in Colorado, assisted living is continuing to gain traction, as more and more people have been moving to the area in recent years, so it stands to reason that the prices might go up to some extent, and it explains why larger Colorado cities rank as more expensive not only for assisted living, but for adult day care, home care and nursing home costs. Secondly, Denver is the fastest growing city in Colorado, and yet the prices are only slightly higher than the statewide average, while in cities like Colorado Springs and Boulder, the price required for assisted living is significantly higher.

If you want to get support for assisted living in Denver, the average cost would be about $4,700 per month, according to a recent 2019 survey. Compared to that cost, slightly smaller towns like Fort Collins and Grand Junction have a somewhat more affordable cost.

Getting Financial Support

One of the great benefits of looking for senior care in Denver is that you have access to a lot of government organizations and programs without having to travel too far. Financial support is more readily available with various insurance benefits and old age programs that can be of great help in reducing your costs.

For instance, you can try the Home and Community Based Services Waiver (HCBS), which is a Medicaid waiver that no longer had a waiting list or cap for eligible seniors as of 2018. The Old Age Pension Program (OAP) and the Adult Foster Care Program (AFC) are two other programs that offer seniors with a lower income additional support to pay for their senior care services. The OAP is based mainly on monthly income, while the AFC only accepts elders with a low income that need 24-hour supervision.

Do I Really Need A Climate Controlled Storage Unit?


Colorado Springs storage unit

If you have ever considered renting a Colorado Springs storage unit and got some offers from different facilities, you probably noticed that climate controlled units are typically up to 50% more expensive than regular units (non-climate controlled)

Climate control means that the unit is provided with a system that can be used to change the indoor temperature, which is really helpful if you store objects that require a constant temperature and humidity, regardless the season. Cold, heat and humidity affect most stored things, so renting a climate controlled unit will keep your belonging safer and better protected from these damaging factors.

However there are no standards for a “climate controlled” unit, therefore this extra feature may vary from one storage facility to another. Typically, climate controlled should refer to 55-85 degrees F and 55% humidity, but you will have to get the exact system capabilities from your facility manager and decide if they are ok for your storage needs.

But do you really need a climate controlled storage unit?

The answer depends on the objects you store, the weather in your area, the time of the year and the length of the storage period.

Items that need/ might need a climate controlled storage unit

There are many sensible objects made from materials that may warp, crack or degrade in some other way when exposed to a humid environment or to extreme temperatures. Here is a non-exhaustive list:

  • Paperwork, documents, books
  • Leather, metal or wood upholstery
  • Wood furniture
  • Electronics (phones, tablets, computers, laptops etc.)
  • Different media (photos, CDs, DVDs etc.)
  • Mattresses
  • Musical instruments
  • Collectibles (e.g., antiques, art, wine etc.)
  • Cosmetics & toiletries
  • Medical supplies

Most people use storage units to keep different objects; not all of them require a climate controlled environment, but you will have to think about individual objects instead of the whole lot, to be able to protect them properly.

The second factor we mentioned is the local climate. If you live in an area with extreme temperatures and high level of humidity, you risk damaging your objects if you store them in a unit without climate control, because such an environment is favorable to pests, mold, rust and corrosion. A climate control Colorado Springs storage unit will prove to be very useful both in extreme cold and hot temperatures.

Finally, the length of the storage period can also determine the choice of a climate controlled storage unit. If you need a unit for a limited period of time, for example 1-2 months in the spring, while you renovate your house, you can forget about paying extra money for using a climate controlled system; your objects will survive just find without it, on the short run. On the other hand, if you plan to store your items for a long time or indefinitely, temperature and humidity become a concern and you should opt for a climate controlled Colorado Springs storage unit.

Remember to read carefully your lease agreement, because not all storage facility owners can be held legally responsible if your items are damaged. Besides, inspecting your items regularly is the best way to make sure that they are in good condition.


What Are the Current Design Trends for Outdoor Banner Designs?

Design trends change all the time, and that’s true whether you consider the changes in web design, as well as those used in design elements meant for offline marketing, such as banners, fliers or signs. The idea is that you have to keep up with these changes, if you don’t want your graphics to be outdated. And with the current advancements in graphic design, a lot more is possible today than it used to be.

Outdoor banners are no exception, and you’ll find that current trends show outdoor banner design elements that were not present in the past – either because no one thought of them yet, or because the available technology wasn’t as advanced.

Outdoor party banners and corporate banners are definitely in vogue today. Party banners are typically used by entertainment venues to showcase upcoming events. They are large and usually set up in a high place, so that people can see them from a great distance as they drive by.

banners Denver

The same principle is used with outdoor corporate banners, however, most of these are much closer to the ground and somewhat smaller in size. They are also more orderly in their design and typically following specific geometric rules, such as the integration of photos inside exact geometric elements like circles and squares, instead of just having them show up in freestanding patterns. Also, corporate banners Denver designers typically add a lot of info about an upcoming corporate event, and current design trends typically promote a somewhat minimalist approach for most of these banners.

Sports banners are typically very similar to corporate banner ads, as these outdoor banners also feature precise angles and geometric designs that somewhat symbolize the precision and accuracy needed in sporting performance and sports training. Most current trends typically promote showing framed images associated with the sporting events, as well as sponsor logos, details about the events and a single, catchy phrase showcased in large, bold letters, to draw the attention of those interested.

Finally, outdoor advertising and real estate banners typically offer a lot more freedom of expression than other types of banners. Although the typical appearance of a real estate banner has a picture of a house and some basic listing information next to it along with a touch of minimalist design, newer trends also promote a more complex and artistic approach meant to attract more attention. It’s not uncommon that elements like transparency and high contrast color palettes be used for these banners, as well as elements that frame the photo of the house more suggestively.

For outdoor banners designed to promote an ad campaign, the artistic freedom is almost unlimited; but there are some subtle rules that trends typically follow. Current trends support advertising banners that feature modern, futuristic elements, dark hues combined with edgy designs – such as lightning striking in the background of a showcased product – as well as 3D elements that, despite their simplicity, can create the illusion of a holographic ad. The entire point of all these elements is to create a suggestive ad that persuades people through visual cues, but without being too invasive or bothersome.


Advantages of Working with a Professional Recruiter

In most of the cases, searching for mental health counselor jobs in Massachusetts requires time and patience and is a process that you can either do on your own, or by hiring a professional recruiter. Searching on your own is free, but it takes a longer time and success is not guaranteed. Using a recruitment agency is a more expensive option, but it has many advantages. Most of these agencies either have their own site where you can find a multitude of jobs that suit you, or have contracts with many employers, so if you are rejected by one of them, you can quickly be reoriented to another employer, who is looking for candidates in your field of activity. This way, the time elapsed from the preparation of a resume to the actual employment is much shorter when you use the services of a professional recruiter.

Another important advantage to consider is the fact that there are no chances that the employing company does not really exist or your contract with it is not respected. Recruitment companies have a history of working with employers and are constantly contacting candidates they placed at different companies to get customer feedback.

Also, if you are not satisfied with the chosen job, a professional recruiter can find you another offer in a very short time, and you will not be required to pay extra fees.

search for mental health counselor jobs in Massachusetts

How to have the best collaboration with a professional recruiter

The fact that you work with a professional recruiter does not mean that finding a job does not depend on you anymore, on the contrary. That is why, in order to have the most fruitful collaboration with a recruiter, you will need to be honest and communicate your real skills – those that you master very well.

In addition, make sure you tell your recruiter exactly what you want. Just based on the CV and a vague statement such as “I will take any job in my field” will not bring you the dream job. Provide your recruiter a detailed description of what you would like to do instead of just tell them different job titles and set a minimum wage with which you would agree.

Many people make the mistake of believing that a recruiter will handle everything they need to find a job. Wrong! On the contrary, even if the reputation of a professional recruiter is based on the number of people that were helped to get a good job, a recruiter simply takes what the client offers and start searching for good matches. He/ she does not have you that your CV is not written in a professional way, that you have communication problems or your appearance does not inspire professionalism. He/ she does not have to do any of these because this is not his/ her job – it is your duty to take care of these things or to call on some career experts.

Besides, there is the possibility of misunderstanding your skills or preferences. As we said before, if you do not clarify these aspects from the beginning, you will likely get plenty of job offers… that are not exactly right for you.


The Best Packing Materials for Moving

The task of moving to a new place is an intimidating endeavor for many people. Depending on where you live, there is a never-ending list of things and personal items. The things present in each room must be taken into account and find the right method of packing the said items. Preparing the right materials for a move is crucial in having a stress-free transition from the old home to the new one. To make sure that your items arrive at the new place without any sort of damage, here is a list of essential packing materials to prepare when packing needs to be done.

Good Old Packing Paper

The most inexpensive material, pacing paper could be the newspapers scattered around your home. It can be used to pack almost anything from kitchen bowls to glasses and other fragile items. Keep in mind that the ink on newspapers may be possible to stain some items. Alternatively, there are also dye-free papers as well as any other sort of paper to wrap around fragile items. Empty spaces around the items in a box can also be filled with paper to make sure that the object remains unmovable inside the box during the transport.

Bubble Wrap is for Packing not for Popping

When it is not used for packing, bubble wrap offers endless entertainment, especially for kids. Making sure to pop every bubble may offer some enjoyment, however, if you are planning to wrap it around fragile items, make sure that the bubbles are intact. No one can deny that bubble wrap is the best way to protect items during transportation. From making sure that no surface on the item is scratched to canceling any vibrations during transportation. After the items are unpacked in the new home, popping can be resumed.

Packing Peanuts

Boxes used for transporting items can be filled with these little soft white peanuts for additional security and cushioning. There is no telling what can happen during the moving process. Boxes can be dropped, handled without care or simply moved around chaotically. The soft packing peanuts can act as a soft barrier between the items so they do not scratch and will keep them in place when the boxes are handled.

Styrofoam and Packing Foam

Styrofoam can either come in large dimensions or small as the packing peanuts. They are excellent in transporting electronics such as a TV, a monitor or a personal computer. In addition to keeping it secure in the box, it can also protect the edges from any damage. After the fragile items are wrapped with packing paper or bubble wrap, packing foam can be used as another level of protection for your items.

Materials Around the House

Many house items are perfect packing materials and the best thing about them is that they are free. Unused T-shirts, pants another clothing accessories such as socks can help cushion the items inside the box and provide great padding. They can be put at the bottom of the box above which, more important items are placed. Also, stuffed toys, pillows, towels are great for filling up empty spaces inside the box.

A Box, Plus Twenty More Boxes

Having the items all wrapped up in protective materials such as bubble wrap, packing papers or styrofoam is useless without having someplace to put all of them. One may need a considerable amount of different sized boxes to place and organize the items. The size of the box will depend on the item that is placed in it. After all, you cannot force a TV into a small box where you can only fit a few books.

Labels, for Sanity’s Sake

A finishing touch to the packing process would be placing labels on each of the boxes which will extremely help the local moving companies Denver area that you hire. After reaching the destination, the unpacking process will be much easier, less frustrating and streamlined. Make sure that the labels are very detailed and specific to know where to find an item if it is immediately required.

How to Find The Perfect In-Home Care Agency

 We want to believe that we will always be independent and able to lead and active life. But the golden years bring with them less physical strength, and sometimes even illness. When you feel that simple daily chores are too strenuous to perform, it means that you need extra help. This help may come from an in-home care agency.

What Does an In-Home Care Agency Do?

Home care Castle Rock agencies employ professional caregivers who go to the clients’ home to assist them with daily tasks. This is a very good option for people who want to continue living in their own home, instead of selling it and move to an assisted living facility.

Hiring a caregiver from an in-home care agency is a win-win situation: you continue to be an independent homeowner, but you also receive the help you need.

Thus, when the time comes, here are the steps you should go through in order to find the ideal in-home care agency that fits your needs:

home care Castle Rock

  1. Discuss Your Health and Special Needs with Your Doctor

The first step is to ask your doctor to give you an honest overview of your current health condition and a prognosis for the next few years. This will give you an idea of the amount and type of help you will need from an in-home care agency.

Thus, if you are just getting a little slower and less physically fit, you may not need a specialized caregiver with medical training, but just some help with daily chores like house cleaning and shopping.

  1. Assess Your Budget

Before you move on with your research, determine how much money you afford to pay for in-home care services. In view of the expenses you will have to bear, step 1 is very important. If you do not need specialized care, you will pay less for these services.

It is important to consider every reliable source of income. Thus, if you are running a small side business from home, consider what happens when you become too frail to be able to continue running it.

  1. Do Your Research

Here comes the moment when you are actually looking for home care Castle Rock agencies. First of all, you should restrict your research to agencies in your local area. You can rely on elderly neighbors, relatives and friends for recommendations – in fact, that should be your first type of research.

Once you move to online searches, make sure that you check the agency’s reputation, either on the Better Business Bureau website, or among testimonials and reviews made by other clients.

  1. Schedule an Initial Appointment

Usually, the first meeting with the representatives of an in-home agency will give you a sense of how they operate. It is important to find a good fit, not just from the financial point of view, but in the approach they have to in-home care.

Some agencies have a strictly professional approach; others add a friendly and familiar touch to their services. It is up to you to decide which attitude you are more comfortable with.

  1. Pick the Winner

If you’ve gone through all the steps above carefully, you will certainly find the perfect in-home care agency for you. It’s time to relax and enjoy life, knowing that you are in good hands.


I Have An Idea For An App – Now What?

Tips To Implement A App Idea

Being mobile in a mobile world is a must.  You may be saying to yourself, I have an idea for an app, now what do I do?

Smart phones have become the new personal computing devices, comparable in terms of functionality, connectivity and apps, with laptops. People use these devices intuitively, and operating systems as well as processing performance are very advanced. Since the mobile phone is the most popular device and most internet searches are performed using such a device, creating an Android or iOS mobile app can lift you up one step above your competitors. A custom mobile app is a personalization factor that tells people a lot about your business.

An app runs on smart devices of all types – phones, tablets, gadgets – and offers practical, easy-to-use solutions for users. It is designed and programmed with dedicated features for various online or offline operations: e-commerce, entertainment, gaming…

Mobile apps are more than utility and entertainment programs, they are an experience and have become a lifestyle. Many things can be solved easily in the digital environment, with a smart application.

In theory, there is an application for any service you need. In practice, if you have a new idea, why not try to develop it and maybe become a competitor for other developers?

Here’s how you can do this:


In order to develop a mobile application, you should know the demographic data of the targeted market. This information will help you build a useful tool that responds to specific needs or provides added help for everyday life:

  • How important is the application’s solution for the target audience?
  • Which operating platform does the target audience use (Android or iOS)?
  • Will you develop a native application, or a hybrid application?
  • How much are you willing to invest in the app`s development?
  • What are the ways of promoting the app?
  • How can the app be monetized?


There are two types of mobile applications: native and hybrid.

When we say native mobile applications, we mean apps that can be downloaded from an app store (Apple Store, Google Play and other dedicated stores).

A hybrid application is downloaded and installed as a native application, but it feeds directly from a website and is linked to the mobile version of a website. This type of app can access the mobile device’s features – accelerometer, camera or contacts, and may also contain User Interaction elements of native applications.


If you are not familiar with the technology behind the development of a mobile application, the solution is to find a good app development company that will turn your idea into a unique application, using modern technologies. You choose the budget that specialists have to fit in, the complexity and the purpose of the application.

What does the collaboration with a professional app developer brings you?

  • Your idea will be treated with professionalism, developed and constantly improved
  • Developing a mobile application takes more than time, and a professional developer invests in your idea ​​all of their knowledge in terms of UX, graphic design, development, optimization and marketing
  • You will always have a team supporting you through product maintenance, marketing campaigns, or… a new mobile app idea!



What Pool Equipment Should You be Checking

Considering the advice of pool remodeling Plano specialists, we recommend that you take into account the following aspects when considering the equipment and preparation of your pool for the summer period.

  1. Check the cleaning supplies

Before opening the swimming pool, it is recommended that you make an inventory of the cleaning chemicals you already have, and supplement them if necessary.

  1. Remove and store the pool`s cover

Remove the cover and place it in an open area. Brush the dirt off and wash it with a mild detergent. Allow the cover to dry completely before packing and storing it, to prevent damage or mold. Make sure you keep the cover in a dry place, away from insects and moisture.

  1. Inspect the pool

If you have a liner swimming pool, check for rupture or discoloration. Consult the pool builder or a maintenance company for defects that you are unsure of how to repair. In the case of swimming pools made of concrete or fiberglass, look for cracks and check whether the deck has sunken, pulled away or is losing water.

Some minor repairs can be carried out by you, following the advice of professionals; but when it comes to serious defects you should leave them in pool remodeling Plano contractor’s expert hands.

  1. Clean the skimmers, perimeter pool gutter and buffer tank

Remove leaves or twigs that may exist in skimmers or perimeter gutters. Use a rake or a broom and then clean with a jet of water.

  1. Reconnect the pump to the installation

Reconnect the filter, the pump and the heat pump (if you have one) and inspect the water tightness of all the elements. Remove the filter cover to check whether the sand is clogged or can still be used. If it is clogged, you must change it, otherwise filtration will not be effective.

  1. Empty the pool

Empty the pool using the recirculation pump, then wash the walls and the bottom with special substances. Rinse thoroughly with clean water; patch the mosaic if you notice damaged pieces.

  1. Fill the pool with water

Fill the pool until the water level reaches the perimeter gutter.

  1. Start the filtration and recirculation system

Following the manufacturer’s instructions, turn on the pump and filter system. Check for leaks, broken hoses or cracks. If some equipment is faulty or not working properly, turn it off and contact the maintenance company for the necessary repairs.

  1. Use the necessary chemicals

After filling the pool, schedule manual filtration for at least 48 hours and perform the shock chlorination (800g-1kg for 100 cubic meters of water). During this time, the color of the pool water can vary due to the combination of chlorine with various metals or elements in the water. Only after the process has ended, the water becomes crystalline, and you can vacuum it. The water cleaning process may take from one day to 11 days, depending on the amount of metals, sulphates, or nitrates from the water.

We recommend that you prepare your pool early for the summer (end of April, early May) to avoid that sun rays and high temperatures turn the water into a marshy green disaster.

That being said, you can prepare for the last step:

pool remodeling Plano

  1. Jump in the water!