Dr. Raymond Moody carefully studied the visions of people near death. They reported similar experiences to each other which he termed the ‘near death experience‘. What the typical individual notices are: “A warm spirit of light appears and this being communicates in a non-verbal way so that he thinks about his past life and sees the important events of his […]

First time pet owners are always at a loss when it’s time to shop for the right food for their beloved pet. Going to a pet food store can be very overwhelming and confusing, especially when you’re trying to find the best food at the best price. If you recently got a new pet, here are some helpful tips to […]

1. Know your budget Before diving into real estate investing, it is essential that you have a thorough understanding of your cash flow. Also, ask your bank for pre-approval of your investment loan so you know how much you can borrow before looking at your properties. 2. Don’t Skip Ongoing Costs Make sure you have enough budget for insurance, fees, […]

Inspired by the launch of Bud.tv, I took a quick tour of what’s available in online video. And the results are a frustrating mix, to say the least. It’s certainly more complicated than the video programming I can get from my DirecTV dish. How a normal person is expected to make this technology work is beyond me. After looking at […]

One of the most frequently asked questions as a bankruptcy attorney is, can I discharge my student school loans in bankruptcy? Most bankruptcy attorneys will tell you that it is not possible, but this is simply not true. The process of paying off debt associated with your education is not a simple or automatic process, it takes a bit of […]

Most people have seen the character worksheets that encourage writers to identify everything from shoe size and favorite food to what turns sexuality on and off. And while knowing your character’s most prized possession can be helpful, it won’t tell you how your character will react when disaster strikes. For that, you really need to get a handle on your […]

Maybe you’ve thought of a really cool and unique idea for a video game and you’re thinking, “If I can get in touch with the right people, I can sell it and make a lot of money. And I can see my idea converted.” into a game that people will play. Well, that may be true, and it’s possible to […]

It’s no surprise that Singapore businesses opt for a mobile-first strategy, as APAC reported over 50% smartphone penetration in the country last year. He stated that the average smartphone user in Singapore had around 40 apps installed on their smartphone at one time. Most of these apps fall under the social media category, with 64% of the population active on […]

In an effort to prevent court overcrowding, arbitration is recommended by judges and lawyers alike as a viable alternative to mediation or litigation. While any case can go to arbitration, this option is most successful if the case is fairly straightforward and the plaintiff and defendant are willing to talk. Instead of judges, arbitration hearings have panels that are typically […]

Your kitchen is one of the most used rooms in your home and there are many reasons to do a kitchen remodel. It might be upgrading appliances or buying smaller ones, or expanding the kitchen, especially if it’s a smaller kitchen. When doing a little kitchen remodel, make sure you make it a nice place to spend time that is […]