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California coalition urges more forest roads for off-road vehicles

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An 4x4 being driven off roadMembers of the Outdoor Recreation Coalition (ORC) in California reached out to Lassen National Forest officials about a proposal to allow more off-road vehicles on U.S. Forest Service-designated forest roads.

The Forest Service implements a policy across the country that dirt roads where low-clearance vehicles, including sedans, are considered as highways, according to Chris Bielecki, the Lassen forest’s engineer. The presence of off-road vehicles and regular cars on the same road presents safety risks.

Road Clearance

Bielecki said that California law restricts the use of off-road vehicles on highways. However, the ORC only seeks an approval for such vehicles to use forest roads, which is permitted in other states. In California’s Lassen forest, for instance, proponents want more than 225 miles of forest roads to be designated for mixed-use by regular cars and off-highway vehicles.

The plan would include the designation of the road sections in Shasta County, comprising the 34N29, 34N34 and 34N13 roads. An approval would likely require a downgrade of maintenance for these roads, one that only accommodates high-clearance vehicles, Bielecki noted. Chris O’Brien, an Lassen forest ecosystems staff officer, said officials expect to complete road evaluations and proposed a designated maintenance level by March 2018.

Legislative Changes

ORC member Liz Norton suggested reforms to the state’s vehicle code, which would allow off-road vehicles on all dirt roads such as those from an Argo dealer. An approval would be good news since off-road vehicles are “important locally” particularly as a leisure activity, Norton added.

In other states such as New Hampshire, the recreational past-time has become more popular among residents. This led local officials to ramp up safety awareness, especially for teenage drivers. Unlike California, off-road vehicle users in New Hampshire are allowed to drive on highways.


Off-road vehicle driving remains a popular recreational activity, but do you think they should be used on highways?

Which Type of SBA Loan is Right for You?

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Business loan being selected on a virtual optionSBA loans are issued to help small businesses get off the ground, expand or stay afloat. Guaranteed by the government, these loans offer debtors low-interest rates and flexible loan terms.

Many financial service providers in Ogden like the Wasatch Peaks Credit Union offer different types of SBA loans for your business needs. The three primary SBA loan categories are the 7a, 504 and microloans. These loans differ in terms and conditions, and finding the best type for you is paramount to the success of your business. That said, below are some factors that will influence your loan choice:

Your credit score

As a small business proprietor or someone looking to start or expand a business, you should aim for a high personal credit score. Lenders take into account the credit score of anyone with at least 20% interest in any business before giving an SBA loan. The 7a and 504 loan programs require borrowers to have a minimum credit score of 700. You may get microloans with lower credit scores, but they might attract higher interest rates.

What you intend to use the loan for

If you are looking for a loan to pay for your workers’ salaries, buy equipment and property, the 7a loan is the ideal option. For long-term needs like land and buildings, and business expansion projects, the 504 loan will work for you. You can use microloans for various business purposes but not for property purchase.

Your lending institution

Both the 7a and 504 SBA loans are processed through credit unions, banks and specialized lenders. You can borrow up to $5 million under these programs. The microloans are managed by community-based non-profit organizations. You can borrow up to $50,000.

The application process for SBA loans is quite thorough. You should pay close attention to your application details and ensure you have all the necessary documents. Your business plan also determines the success of your application. Ensure your plan is solid and well researched.

Is It Time to Send Your Child to Preschool?

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A Baby in a Graduating Outfit

A Baby in a Graduating OutfitFirst-timer or not, parents have a lot of concerns when making decisions involving their children’s overall growth and development. This becomes even more apparent the moment they welcome the idea of sending their kids to school.

To help you decide whether your little one is all set for this milestone in his or her life, here are some great pieces of advice you could keep in mind.

Is your kid independent enough?

Enrolling your kid in a daycare center or preschool in Phoenix, AZ should be a gradual process so that he or she would not feel “alone” after you leave and go to work. Over the course of a week, for instance, stay with your little one the whole day at the daycare center. During the next days, try leaving for a couple of hours to grab some food, for example, until you could leave him or her the whole day.

Make an effort also to show your kid that you and his or her teacher get along. This will make your child feel more comfortable after you leave.

How is your kid around other children?

In most daycare centers and preschools, the caregivers and teachers highly encourage kids to interact with each other and participate in group activities. It is important that your kid has already started to develop his or her social skills.

Is your kid physically and psychologically ready?

Daycare centers and preschools are filled with activities which keep children busy all day. Your kid must be prepared to take on these challenges without easily getting annoyed or cranky as they complete each task. If they aren’t, then you may need to work on their stamina as well as their concentration so they would feel more comfortable as they take the classes.

Ideally, kids are to attend preschool the moment they turn three or four. However, most experts suggest that it is not just about their age but their overall preparedness to step up to a whole new level of learning.

How You Can Achieve a Perfect Wedding Smile

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Woman with a perfect smile wearing a wedding dressYour wedding dress should not be the only thing sparkling in your big day. While it is what most guests will notice, you should also invest in having a sparkling smile. As your wedding is probably one of the most photographed moments in your life, you should make an effort to have a picture-perfect smile.

Dentists in Shrewsbury share a few suggestions to achieve the perfect wedding smile.

Consider teeth whitening. A few months before the wedding, consult your dentist for a whitening treatment. A dentist-supervised procedure is much better than trying over the counter products like toothpaste, strips and trays.

A consultation with a dental professional, furthermore, will let you know other dental procedures that can improve the attractiveness of your smile.

Eat a balanced diet. A healthy diet is essential for a healthy body and beautiful smile. Make sure to include fruits and vegetables in your diet and limit your sugar intake. If you love drinking tea or coffee, it is advisable to cut down on your consumption.

Daily intake of acidic and heavily pigmented foods and beverages can discolour your teeth and make them look dull.

Practice your smile. Look at through your old photos to find out your best poses and angles. The ideal smile is the one the shows your upper choppers and not much of the gums. Be sure to relax your face and do not keep the same pose for every shot.

The last thing you want is to appear stiff in the photos. There is beauty in laughing, and you will surely love the results.

Maintain good oral hygiene. With all the stress of wedding planning, it can be easy for bad habits to sneak up on you. Learn to delegate tasks, so you can still take care of your health. This should include brushing your teeth at least twice a day and flossing once daily.

A proper oral routine before the wedding can help you achieve the perfect smile.

If you are not so happy with your smile, there are dental treatments that can address your concerns.  You should also encourage your spouse-to-be to undergo whitening or any other dental work with you.

An Overview of How the Invisalign Treatment Works

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Invisalign bracesDid you know that Invisalign aligners typically work faster than traditional braces in correcting teeth alignment? They are also designed for both teenagers and adults.

Teenagers who are embarrassed to wear traditional metal braces don’t have to worry; Invisalign aligners are clear and very discreet. Even adults who are worried about how wearing traditional braces may impact their schedule don’t have to worry about the same thing with Invisalign.

As early as three months after starting the treatment, you may already see results. In many cases, the treatment takes only a year, as opposed to traditional braces that may take as long as two years to do the job.

First Meeting

Invisalign treatment is both a dental and a financial decision, so it’s important to choose a right Invisalign provider like MiSmile from the outset. When you feel comfortable with a provider, they can discuss the treatment with you and set your expectations. They will also determine whether you are a candidate for the treatment.


Your dentist will either make physical impressions of your mouth or use a digital scanning system (such as an iTero®) to create 3D images of your teeth in less time. Using 3D images, your dentist can show you how your teeth will move during the treatment. At this point, you will find out from your dentist how long the treatment will take. Every treatment is customised for the patient.


You will receive your aligners from your dentist. These are made of a clear material from SmartTrack®. They are nearly invisible when worn, so your friends might not even notice. You will start wearing them for a minimum 20 hours a day. Remove them when you eat, brush and floss.


Gentle and gradual shifts of your teeth will happen when you wear the aligners. Depending on your case, your dentist may replace your aligners every week. You will also receive a schedule for checkups (perhaps every six weeks).


At the end of your treatment, your dentist will give you a set of retainers. Ask about ®Vivera, which is recommended by Invisalign®.

Again, this is a dental and financial decision. When you choose Invisalign, however, consider it an investment in your dental health for the future.

Five Tasks You Can Outsource to Grow Your Business

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OutsourcingDue to the rise of technology and competition, businesses find themselves faced with multiple tasks and goals. Entrepreneurs resort to hiring more employees, each with different expertise and skills. Expanding may be good, but it can cost your company. Save up and accomplish goals faster by outsourcing the following tasks.


Research can take up a lot of time and energy. Whether you are planning to create a database or perform an in-depth market research for business, it’s better to hire a virtual assistant who can do the task quickly and accurately. Other than getting the job faster, this can save you money as well.

Financial Consultation

Businesses big and small rely on financial advisors for investment, insurance, and tax planning advice. The need for their services, however, is mostly on occasion. Because of this, it is ideal to work with an independent financial consultant from firms like Shoreline Financial Advisors. Hire one with experience and certification.

Content Writing

Businesses who cannot afford full-time writers should consider content writing services. This goes especially for companies with a strict content calendar and regularly submits guest articles. Team up with a good selection of virtual writers with experience in blog writing, SEO writing, and copywriting.

Presentation Design

The first thing investors notice during a presentation is slide design. Nail your business pitch by working with a presentation designer who can add life to your PowerPoint or Prezi file. Apart from having a professional slideshow, you also have more time to focus and rehearse on your presentation.

Social Media Marketing

Social media managers are now essential to business. Having too much of them, however, will significantly cost your company. Outsource a social media marketer if your business only focuses on two to three online platforms. Getting an experienced marketer who can attend to your pages every day will save you money and office resources.

Designate tasks efficiently by getting the right people for the right job. Consider outsourcing and accomplish more goals for your company.

Surprising Uses of Botox

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Woman having a botoxBotox has become the treatment of choice for those looking to regain their youthful looks. Though apart from cosmetic reasons, Botox can also be used to treat a variety of other medical conditions. Here are some reasons why getting a Botox treatment in Salt Lake City might be right for you:

Cosmetic benefits

The most popular reason people get Botox treatments is to look younger. This is because Botox is one of the best, safest, and most effective non-invasive option for reducing fine lines and wrinkles. Botox also helps lift and tighten the skin. It minimizes the visibility of frown lines, crows-feet, as well as lip creases.

Excessive Sweating

If you’re suffering from hyperhidrosis, Botox injections may be what you’re looking for. For those who cannot control excessive sweating using prescription antiperspirants, botulinum is an FDA-approved alternative. This treatment will remove the need for such antiperspirants a few months at a time.

Overactive bladder

Botox can reduce or even eliminate the symptoms of an overactive bladder. Such symptoms may include a strong desire to pass water along with wetting or leaking accidents. It helps paralyze the muscle bladder, and this prevents bladder contractions from taking place.


Botox is also an FDA-approved treatment for migraines. This works because of how botulinum can suppress nerve endings. The treatment relaxes the muscles and blocks the sensory nerves to them less sensitive to pain.

With how non-invasive and easily accessible Botox treatments are, almost anyone can experience the benefits of this procedure. If you decide to take the treatment, make sure you go to a credible, and licensed practitioner to avoid unforeseen complications.

What is an Adjusted Mortgage Rate?

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Rate word written on wood cube with red background An adjustable interest rate is a mortgage loan that has an interest rate that is fixed for a certain duration known as the initial period. Your mortgage’s interest rate is likely to change depending on the interest rate index when this period elapses. When scouting for a mortgage loan, it is important that you understand how an adjustable interest rate is calculated.

The Adjusted Mortgage Rate

The standard base rate is the initial rate that experts quote, even in the best mortgage company. Salt Lake City lenders then adjust this rate after a certain period, and this is the adjusted mortgage rate. This rate often lasts for an accepted period that could range from one month to ten years depending on the agreement. This rate is very high when the duration set is too long, and it can be insignificant in case the period is short, such as within a month.

The Yield Curve

These varying rates depending on the market yield curve. This is the curve indicating how at the rates can vary within the holding period. If the curve is flat, then the rates are small. It is crucial for the borrower to understand this to make the necessary comparisons.

Consider the Adjusted Mortgage Rates

In case you don’t intend to stay long in a  house and intend to sell it before the first rate adjustment, then you shouldn’t overthink about the interest rate. If you intend to stay on a permanent basis, then you have to be prepared for the rate explosion after the initial period. It is necessary that you factor in the no change and worst-case scenarios in your consideration.

The interest rate is a major consideration when choosing a mortgage loan. It is even more crucial if it is adjustable. Take your time to learn about the interest rate movement before making a decision.

Four Ways to Lower Your Monthly Mortgage Payments

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Man holding a pen pointing to a mortgage document

Man holding a pen pointing to a mortgage documentYour mortgage may most likely be the biggest monthly expense you have. Such a large expense can make things hard when you have a tight budget. This is true even if you ask the best mortgage company in Utah. You may sometimes wonder if there is any way to reduce your monthly mortgage payments. Fortunately, there are ways to do just that. Take a look at the list below to find out the different ways you can lower your monthly mortgage payments.

Refinance Your Mortgage

Many homeowners choose to refinance their mortgage for an extended period. It takes the remaining balance and recalculates the payments for another set term, reducing monthly payments. You can refinance your mortgage, yet refinancing means you pay even more in interest. Refinancing may a last resort instead of a first choice.

Recast Your Mortgage

You may have a tight monthly budget, yet if you become blessed with a large bonus or some other sum of money, you can use that for mortgage recasting. In recasting, you pay toward your mortgage principal with the large sum of money, and your loan will be subsequently re-amortized. You will have lower monthly payments as a result.

Modify Your Mortgage

When you see a looming financial hardship ahead of you, you can ask for a loan modification from your lender. A loan modification involves the restructuring of your loan in some way to allow for lower monthly payments. Financial hardships include unemployment or demotion.

Cancel Your Mortgage Insurance

When you have more than 20 percent equity in your home, you can cancel the mortgage insurance in your loan. The cancellation results in less monthly payments and a lower interest rate. You can ask your mortgage company if you qualify for mortgage insurance cancellation.

With the measures above, you can finally have a chance at lowering your monthly mortgage payments. Ask your financial advisor about each measure to find out which one will work best for you. You can finally have a freer monthly budget once you have dealt with your mortgage.

Major Benefits Of An FHA Loan

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FHA Loan Form, Pen, Pair of Glasses and a Stack of Cash

FHA Loan Form, Pen, Pair of Glasses and a Stack of CashThe Federal Housing Authority ensures an FHA loan, which protects lenders if the borrowers default. The government guarantee makes it possible for a lot of lenders to impose lower standards for eligibility.

By taking an FHA loan from a company, Primary Residential Mortgage, Inc. explains that you will enjoy a lower down payment and better interest rates. Borrowers enjoy many other benefits that would not be possible from other lenders.

Relaxed Credit History Requisite

You don’t need to have an outstanding credit history to qualify. You are eligible if you don’t have any derogatory remarks in your credit report. If you have filed for bankruptcy before, you can apply for an FHA home loan after two years. But, your credit record must be clean from the time the court has declared your bankruptcy.

High Debt Ratios

Even when you have a high debt ratio, you can qualify for an FHA loan. This would not be easy to do when applying for a traditional loan. Conventional home loans will force you to maintain a debt ratio under 36% of your income. You can qualify for an FHA loan even if your debt ratio is as high as 41% of your monthly income.

Higher Contributions from Seller

While sellers in conventional loans contribute a mere 3 percent, seller contribution on an FHA loan is as much as 6 percent. You can request the seller to cover most of the closing cost. This will allow you to save a lot of money on out-of-pocket expenses.

Lower Mortgage Insurance

With an FHA loan, you will pay a monthly mortgage insurance premium that is much lower compared to a traditional home mortgage. Your total monthly payment will be lower too.

These are only some of the main benefits that make the FHA loan program ideal for many home buyers today. With enough support from the federal government, more people can now afford to own a home.