25 Cents to Change the World?

Warren Buffett will just have to find something else to do with his money.
Same for Bill Gates…
And Facebook’s Mark Zuckerberg…
And all the other wealthy, bold-faced names who use their gazillions to influence issues near and dear to their hearts and/or business interests.
That’s because there’s now a social fundraising mobile app specifically dedicated to making it easy for “ordinary people” to donate 25 cents online — that’s right, a single quarter — to a cause of their choosing.
It’s called A Quarter Back to Society (Quarter-back.org). And co-founders Dan TsGiveaQuartereytlonok and Eugeny Prudchyenko are very upfront about why they feel it’s an idea whose time has come.
“Rich people mainly use charities for self-promotion,” says Tseytlonok. “But what about ordinary people who want to make a difference? They can’t afford to give a lot, so we decided to come up with a micro-donation platform for them.”
The cause closest to the two men’s hearts is understandably the chaos unleashed by Russia’s April 2014 invasion of eastern Ukraine. They ran a successful Uber-like ride-booking service in the Donetsk region before moving to California — Prudchyenko’s former house remains riddled with bullets — and so one choice offered potential donors is to contribute to a re-homing center now operating in Donetsk for pets abandoned by their fleeing owners.
“There was no conflict between people living there until (Russian President Vladimir) Putin made his power grab,” says Tseytlonok. “Now nearly 8,000 have died.”
Other suggested causes your quarter could help fund here in America include:
* Medicine for seniors who can’t afford to fill their drug prescriptions.
* Socks for San Francisco’s large homeless population.
* Body cameras for police officers as a defense against false charges.
Know that this is the same team behind the EvoShare social platform — its app is likewise available for Apple and Android phones — that’s designed to give both consumers and charities a percentage back on shopping purchases in participating stores.
As for A Quarter Back to Society, you can donate 25 cents to as many causes as you like through Paypal or credit card. And, of course, you’re also encouraged to create one or more of your own for others to also get behind.
Think of it, as Prudchyenko says, as “micro donations with macro impact.

Warren Buffett will just have to find something else to do with his money.
Same for Bill Gates…
And Facebook’s Mark Zuckerberg…
And all the other wealthy, bold-faced names who use their gazillions to influence issues near and dear to their hearts and/or business interests.
That’s because there’s now a social fundraising mobile app specifically dedicated to making it easy for “ordinary people” to donate 25 cents online — that’s right, a single quarter — to a cause of their choosing.
It’s called A Quarter Back to Society (Quarter-back.org). And co-founders Dan Tseytlonok and Eugeny Prudchyenko are very upfront about why they feel it’s an idea whose time has come.
“Rich people mainly use charities for self-promotion,” says Tseytlonok. “But what about ordinary people who want to make a difference? They can’t afford to give a lot, so we decided to come up with a micro-donation platform for them.”
The cause closest to the two men’s hearts is understandably the chaos unleashed by Russia’s April 2014 invasion of eastern Ukraine. They ran a successful Uber-like ride-booking service in the Donetsk region before moving to California — Prudchyenko’s former house remains riddled with bullets — and so one choice offered potential donors is to contribute to a re-homing center now operating in Donetsk for pets abandoned by their fleeing owners.
“There was no conflict between people living there until (Russian President Vladimir) Putin made his power grab,” says Tseytlonok. “Now nearly 8,000 have died.”
Other suggested causes your quarter could help fund here in America include:
* Medicine for seniors who can’t afford to fill their drug prescriptions.
* Socks for San Francisco’s large homeless population.
* Body cameras for police officers as a defense against false charges.
Know that this is the same team behind the EvoShare social platform — its app is likewise available for Apple and Android phones — that’s designed to give both consumers and charities a percentage back on shopping purchases in participating stores.
As for A Quarter Back to Society, you can donate 25 cents to as many causes as you like through Paypal or credit card. And, of course, you’re also encouraged to create one or more of your own for others to also get behind.
Think of it, as Prudchyenko says, as “micro donations with macro impact.”

Clues in the Attic: Pre-Winter Roof Checkups Made Easy

Five words or less(NewsUSA) – Your attic could save you from breaking your neck this autumn.
Got your attention, huh? Seriously, this is one of the two times each year when homeowners are supposed to check the health of their roofs. (Among other reasons, because they’re key to a home’s energy efficiency.) But who wants to be climbing a ladder 25 feet or so into the sky when the weather is turning sharply colder and nastier?
That’s where your attic comes in.
According to Jason Joplin, program manager of the Center for the Advancement of Roofing Excellence, that space you’re probably using mainly for storage can substitute, as a fallback, for the eyeball roof check normally recommended to be done every pre-winter and spring.
“Roofs actually create an insulated barrier that helps trap heat inside, and most attic spaces are located right below them,” says Joplin. “That makes them perfect for spotting potential problem areas and damage without worrying about falling off a ladder.”
Here’s what to look for while up there:
* Water leaks. As sure as Tom Brady will never be a fave among Deflategated Indianapolis Colts fans, it will soon storm. And when it does, shine a flashlight up in the attic to check not only for dripping water and condensation, but also for water stains on the ceiling, walls and floors. All signal that H2O is finding its way beneath your roof’s shingles or behind its flashings.
* Ventilation. “Think of the attic as the lungs of the house,” advises Joplin. “It has to be able to breathe in order to function properly.” Which is to say, vents stuffed with debris need to be cleared.
* Animal damage. You know those “If you see something, say something” homeland security ads? Well, to avoid the havoc refuge-seeking birds, bats, squirrels and raccoons can create, warning bells should likewise sound — followed by a call to a pest-control pro — if you spot any of these telltale signs: nests, droppings and gnawed wood, wires or insulations.
* Structural problems. The mere hint of a sagging roof — look up for this one — could indicate potential structural weakness requiring professional repair.
And if prolonging your roof’s life is your goal, experts say it pays to consult a professional roofing contractor who’s insured and uses quality materials like the new triple-layer line of Glenwood Shingles — the thickest of its kind, with an authentic wood-shake look — from GAF, North America’s largest roofing manufacturer. A free service that makes it easy to find a factory-certified contractor in your area can be found at gaf.com.

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The Dream Vacation Tour for Beatlemaniacs

f you were one of the 73 million Americans who tuned in to “The Ed Sullivan Show” in 1964 as the Beatles irrevocably changed rock ’n’ roll, prepare yourself for perhaps the perfect vacation idea.

Did you embrace Beatlemania and never look back? If the answer is an enthusiastic “Yes,” the CIE Tours’ “Icons of Britain” may knock your Paul-loving socks off. While it’s not quite All Beatles, All The Time, the tour has several other must-sees in London, Scotland and Wales. One big draw is seeing where the Fab Four got their start and recapturing what’s described as “the fevered feel of the early ’60s in Liverpool.”

Here’s some of what you’ll see:

•    The Beatles’ Boyhood Homes. It’s easy to imagine the teenaged Paul and John writing the lyrics to “I Saw Her Standing There” in the living room of the future Sir Paul McCartney’s humble 20 Forthlin Road house. As McCartney recalled: “I’d start off with ‘She was just 17, she’d never been a beauty queen.’ And he’d be like, ‘Oh no, that’s useless.’”

•    The Cavern Club. Still a live-music venue today, the club hosted the Beatles 292 times. It’s especially packed when a tribute band dons mop-tops and “yeah, yeahs” their hearts out. There was supposed to be a 293rd time—promised by manager Brian Epstein before the group ventured to America—but it never happened.

•    Jaw-Dropping Castles. You will glimpse inside The Queen’s official residence, Windsor Castle, including recent—and possibly juicy—tidbits from a local tour guide about the goings-on there. Furthermore, a boisterous evening banquet at Cardiff Castle will explain what’s meant by “Welsh hospitality.”

•    The Beatles Story. Nestled in the heart of Liverpool’s revitalized wharf district, this state-of-the-art attraction includes a behind-the-scenes look at Abbey Road Studios, an underwater trip on the Yellow Submarine and a “Fab 4D” extravaganza that uses the latest technology to bring the group’s music to life.

•    A Taste of Scotland. Adventurous eaters can enjoy a dinner of Scottish specialties—including the infamous haggis—and a lively show featuring songs, stories and a display of traditional step-dancing.

If You Go: The respected CIE Tours has escorted millions of Americans on motorcoach tours of Ireland, Scotland, England and Wales for more than 81 years. For more information on the fully inclusive “Icons of Britain” package, contact your travel agent, or call CIE at 1-800-243-8687 or visit www.cietours.com.

Medical Cannabis Is Growing Like, Well, a Weed

United Cannabis Corporation was founded to advance the use of CBD’s, or cannabidiols, in medicine through research, product development and education. The Company is dedicated to improving the lives of patients through the creation of products using only the highest quality genetics, purest extractions and most effective protocols possible. The Company’s A.C.T. Now Program and patent pending Prana Bio Nutrient Medicinals provide a comprehensive solution, designed to enable physicians and patients to design, implement and monitor effective therapy protocols.
To provide patented and cutting-edge pharmaceutical CBD formulations, United Cannabis (UCANN) has entered into exclusive and long-term contracts with Dr. Brent Reynolds, currently a professor in the Department of Neurosurgery at the University of Florida, and Dr. Dennis Steindler Senior Scientist, director of the neuroscience and aging lab at Tufts University, as chief medical advisors to run and manage discovery, research and development for UCANN.
Its primary focus is to explore the medical applications of CBD’s. UCANN entered into a consulting contract with doctors Brent A. Reynolds Ph.D. and Dennis A. Steindler Ph.D., pursuant to which they will act as UCANN’s research and development team to establish evidence of CBD-based medical efficacy and creation of Intellectual Property (IP) on medically efficient CBD-based products. Both are employed by division-one universities and run their respective departments. UCANN will own all the inventions or discoveries coming from the contractual relationship.
Drs. Reynolds and Steindler have a record of patent protection and product development. Jointly, they have pustinging-nettle-141496_960_720blished over 200 peer-reviewed manuscripts in journals such as Nature, Science, Nature Reviews Cancer, Cell and Cancer Research. The Doctors hold 19 granted U.S. patents, have founded several biotechnology companies and have developed products that are currently in the marketplace. Their experience in basic discovery and translating this into protected technology will allow UCANN to leverage its existing technology platform with the objective of producing unique and effective cannabinoid medications.
As a result of the doctors’ work so far, 14 unique provisional patents related to the unique combinations of pharmaceutically active CBD’s used to treat disorders of the nervous system, immune system and cancer with the U.S. Patent and Trademark Office.
The doctors continue to work with United Cannabis to further development of CBD’s designed to combat a wide range of ailments that plague humans and animals.

5 Tips to Practice Good Public Hygiene

It would seem that public hygiene protocol is not something easily forgotten since it is a standard taught since kindergarten, underscored in middle school, and essential to get your college diploma. Yet there are times, more often than we’d like to admit, that we may know the “do’s” and “don’ts” of social proprieties, but choose not to embrace them.

Stay classy and clean with these simple tips on how to display good hygiene when out in public.

Cover your mouth

This one is a no-brainer, but deserves to be first on the list. Hearing you sneeze or cough is one thing; feeling either of these is entirely another. Cover your mouth when coughing or sneezing and keep your hands clean by using your upper arm as a shield.

One tissue does not conquer all

Feeling under the weather? Looking and feeling your best can be difficult when your sinuses and lungs are working against you. You can do your best to show you care about public hygiene by following the rules of thumb such as washing your hands regularly, using hand sanitizer, and pulling out clean tissues every time you need to use them in public.

Watch for bad habits

Bad habits like biting your nails, playing with your hair or touching your face can work against the image you’re trying to project. These habits are also a way that unwanted grime, oils, and bacteria can spread from different areas on your body and eventually onto objects you touch. Do yourself (and others) a favor by keeping your hands away from the top half of your body whenever possible.

Launder

Laundry is an arduous (and thankless) task, but there are few public hygiene no-no’s worse than dirty clothes. Designate one day of the week as laundry day and stick to it. Invest in a dependable iron and ironing board, and carry a stain remover in your purse or briefcase.

Use FLASR

For smokeless tobacco users, a small, spill-proof spittoon is a necessity and the ultimate display of good public hygiene. Fortunately, for these individuals, there’s FLASR, an Atlanta-based company that specialize in exactly that. The FLASR spittoon has a chic design that is pocket-size and features a secure locking mechanism to avoid messy mishaps

What to Ask Before Buying a Stairlift

As the population of the United States ages, home stairlifts are becoming increasingly popular. The installation of a stairlift allows many older adults who have difficulty with stairs but are otherwise in good health to remain in their homes and retain their independence.
Today’s stairlifts are quiet, relatively inexpensive, and can be installed without any structural damage to the home or decor. However, if you are considering purchasing a stairlift, keep these questions in mind to help ensure that you get the best product, one that’s the right fit for the structure of your home and for your personal health situation.
* Does it fit? Choose a stairlift that is available in a range of options to accommodate straight, curved, and outdoor stairways. Seek out stairlifts with a modular design that allows for quick and easy installation with no damage or changes to the home.
* Can you get good customer service after the installation? Be sure to find out the stairlift company’s policies on maintenance and follow-up services for the products. Look for companies that are available seven days a week to respond to any questions or concerns you may have. That’s why it’s best to buy directly from the manufacturer when possible.
* What are the safety features? The latest technology of the best stairlifts, such as those manufactured spiral-692083_960_720by Acorn Stairlifts, includes safety features such as sensors on the foot platform that will stop the lift when triggered. In addition, make sure to ask whether your stairlift includes safety belts and lockable seats that can swivel for getting on and off easily, then stay locked into place.
* Is it easy to use? Consider who will be using the stairlift. Look for models with light touch controls designed for individuals with limited manual dexterity because of arthritis in the hands or other problems. A remote-control option is a key element to consider as well, so family members or others can operate the stairlift.
* Is there a long wait to order/install the stairlift? Companies offering a modular design in stairlift technology can respond to an order and install a stairlift in hours rather than weeks.

Planning on Ride-Booking a Car? Here are 3 Things You Should Know

If you happened to be an innocent bystander who somehow got caught in the crossfire of a terrorist attack, would you think that you’d have to pay four times the normal cost of a car ride to safety?

Unfortunately, that’s what happened last December to some Uber passengers when faced with needing a quick escape and some distance from the 16-hour siege at Sydney, Australia’s Lindt Chocolate Cafe. The event triggered the controversial “surge-pricing” that Uber and other ride-booking services (lesser players Lyft and Sidecar included) also use here in the U.S.

Even some of the app-based companies’ (ex) fans say it’s just semantics for price gouging. “#Neverforget, #neveragain,” read the hashtags uber-celeb Jessica Seinfeld used in Instagramming a receipt for a whopping $415 Uber fare during a recent New York snowstorm. And with so many lawmakers across the nation also having their own pro-constituent reasons for wanting to crack down on the industry, you’d almost think the very idea of using your smartphone to call for a car were evil incarnate.

Here are some things you should know before booking one of those cars:

•    Your driver may not have been pre-screened. There have been numerous reports in the mainstream media of ride-booking drivers arrested for allegedly raping or assaulting passengers. Efforts to subject the “newbies” to the same rigorous background checks as taxi and limousine drivers, however, have been fought by all three services.

Uber, for instance, has trumpeted its “industry-leading (vetting) standards.” But that claim took a hit last December when prosecutors in California alleged, as part of a consumer protection lawsuit against the company, that its drivers weren’t being fingerprinted—thus making its criminal checks “completely worthless.”

•    Good luck suing if injured. Some ride-booking services allow drivers to carry personal, rather than commercial, insurance. (They do, after all, use their own cars.) But at a recent City Council hearing in Buffalo, New York, Kristina Baldwin, of the Property Casualty Insurers Association of America, testified that allowing this made for a “serious insurance gap.”

•    Surge pricing promotes sticker shock. Uber did reimburse Sydney riders after getting skewered by the media, but New Year’s revelers in New York City learned a lesson in supply and demand and did not have the same luck. “The most expensive eight minutes of my life,” the New York Daily News quoted one angry passenger.

So, what are your thoughts on using ride-booking services and the alternatives?

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3 Reasons To Consider an IRA

April 18 is the deadline to file income tax returns with the federal government this year. But tax day is another important deadline: Up until then, workers can still make contributions to their individual retirement accounts (IRAs) for the previous year. And, IRAs offer a great tax-advantaged savings opportunity.
Here are three reasons why you should consider an IRA as a valuable tool for your retirement savings:
1. Traditional IRAs provide all workers, regardless of income, with access to tax incentives to save for retirement. Tax deferral helps workers build a nest egg over time by putting off taxes on your investment earnings until you retire. Contributing to an IRA is a great way to invest and build retirement savings.
2. The flexible structure of IRAs provides Americans with choices when it comes to their retirement savings. For example, workers decide how much they want to contribute and when. Workers who are age 49 and younger currently can contribute up to $5,500 to their IRAs, and workers 50 and older can contribute up to $6,500. IRA contributions can be made at any time during the year. Workers who meet certain qualifications may decide to open a Roth IRA. Unlike traditional IRAs, workers pay tax when thecoins-948603_960_720y make contributions into Roth IRAs and pay no taxes on qualified withdrawals in retirement.
3. Workers can easily roll over their employer-sponsored 401(k) assets into an IRA upon leaving a job. Job changers who simply cash out their 401(k) may have to pay taxes on their assets and possibly a penalty tax for early withdrawal. These taxes and penalties can be avoided by rolling over 401(k) assets into an IRA, which is not tied to an employer and allows the individual to keep saving for retirement.
Today, Americans are increasingly using IRAs to grow and maintain their savings for retirement. As of 2015, more than 40 million U.S. households reported that they owned IRAs, according to “The Role of IRAs in U.S. Households’ Saving for Retirement, 2015” published by the Investment Company Institute (ICI). Other research from ICI shows that Americans have $7.3 trillion invested in these accounts.
But IRAs are only one piece of our multilayered retirement savings system. When IRA assets are combined with all other assets earmarked for retirement, Americans have set aside $23.5 trillion. The various pieces of the entire system — including IRAs, employer-provided defined benefit and defined contribution plans, personal savings, and Social Security — are working well for millions of workers. In fact, successive generations of near-retirees have reached retirement with higher wealth than the previous generation.