Do You Really Know Your Dragons?

Descriptions of dragons run the gamut from diabolical and vile to gentle and mild. However, no matter how cunning and cruel or naïve and good, one thing has remained unchanged throughout the long history of dragons – they are always depicted as majestic creatures and a force to reckon with.

Legend has it that while all dragons have a choice as to whether they want to be good or evil, there are some general predispositions based on type. Modern fantasy has grouped dragons into two main categories – the good, kindly and courageous metallic dragons and their evil counterparts, the chromatic dragons. 

Hearts Of Gold – Metallic Dragons

There are 5 different kinds of metallic dragons: gold, silver, bronze, brass and copper, each of which is distinctly different in physical appearance as well as in nature.

– Gold Dragons: With large twin horns that are metallic and smooth gold dragons are resolute in their allegiance to quash evil and often embark on self-appointed missions to promote good.

– Silver Dragons: Extremely sensitive in nature, silver dragons are committed to protecting the innocent and helping the meek. They have strong chins, pointed tongues and beak-like noses.

– Bronze Dragons: With an innate sense of justice, bronze dragons are intolerant of any anarchy or cruelty and wage a constant battle against malicious sea creatures. They have smooth, flat scales; webbed feed and a beak-like snout.

– Brass Dragons: The most extroverted of all dragons, brass dragons are noted for their penchant for conversation and sunlight. The adult brass dragon has brass-like scales that have a warm, burnished appearance.

– Copper Dragons: Incorrigible pranksters, copper dragons love to ask riddles and tell jokes. Their enormous shoulders and thighs are good for jumping and climbing.

The Color of Evil – Chromatic Dragons

The five different kinds of chromatic dragons include black, white, red, blue and green.

– Black Dragons: Evil tempered, abusive and malevolent, with hearts as black as their slimy black scales, black dragons are obsessed with death. They have a grim, skeletal frame, two great horns that curve forward and down and eyes that lie deep in the socket.  They breathe a venomous, sizzling acid and feel most powerful and confident in the darkest hour of the night.

– White Dragons: Small and intelligent, white dragons have sharp, intelligent eyes, wide feet with sharp claws and scales that resemble fur. They have an aura of icy coldness around them and even breathe a chilling frost. White dragons have a strong proclivity for chilled food and will pack their victims away in the snow until they are properly frozen.

– Red Dragons: Insatiably avaricious and fiercely territorial, red dragons are obsessed with increasing their hoards of treasure. They have extended wings, two long horns and a long, red forked tongue. Smelling of sulfur and smoke, red dragons breathe a deadly fire and love to dine on blood. Tiny flames often dance in their nostrils when they are angry and their eyes gleam with unrepressed greed upon spotting any treasure.

– Blue Dragons: Large and vibrant, blue dragons have frilly ears, glossy eyes and a single horn upon their head. They are brooding, vain and have an air of regality around them as they sit and reflect. They are good at tracking and prefer to ambush caravans and lone travelers as they cross the land. 

– Green Dragons: Belligerent and cruel, green dragons are champions of intrigue and politics. They are not overtly aggressive; preferring instead to devise elaborate schemes to acquire wealth and power with minimal fuss and effort. Acutely envious and obsessed with life, green dragons aspire to live eternally. They have an elongated neck and multiple horns on their head and breathe a toxic gas.

Whether large or little, sinner or saint; there’s nothing drab or dreary about dragons. Fiery and feisty, dragons are brimming with charisma and intrigue.

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Perfect Wealth Formula

Is there a perfect wealth formula? If so what is it and is there a right one for everyone?

The perfect wealth formula does not exist, as you may have already found out. The wealthy are not keeping it a secret, and no one is hiding it from you. You have to find your own perfect wealth formula.

So how do we come up with your own perfect wealth formula? Through trial and error. There are lots of possible ways to get wealthy out there. The easiest way is to start your own business doing the same skills that you are getting paid for right now.

Most people think doing what they love is the way to wealthy, and it can be, but it not the quickest way. Do what you know, and the money will come in faster.

One example of a perfect wealth formula that someone could use would be this: In year one start several websites and get them generating cash for you. Then in year two you can take the cash that you earned from these websites and use the money as a down payment on a rental property. Then in year three you take any equity you have in the house and use it as a down payment for a Laundromat.

There are over a million ways to become wealthy. It is hard to find the perfect wealth formula for yourself, which is why you should start looking right now.

Action is the key to becoming wealthy. Intelligence or education rarely have anything to do with who becomes wealthy, it usually comes down to action, not finding the perfect wealth formula.

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The Perfect Wealth Formula

You may think there is no perfect wealth formula out there or that if there is you will never find it. Well, that’s what everyone thinks and you are not everyone are you? All it takes to find and start using the perfect wealth formula is a little initiative and a few minutes of your time. Why sit around while someone else figures it how to use this formula? You deserve to achieve the financial goals you always dreamed of just as much as everyone else. It’s high time you learned the formula and got on the road to huge financial wind falls.

The perfect wealth formula doesn’t require any big investment, attending countless meetings or warehousing any product. In fact, because the perfect wealth formula is 98% automated, you can employ the formula right from your laptop anywhere you like. Imagine being able to make money right from home, or the local coffee shop. All you need is an internet connection and some guidance from us. Right away you could begin earning $5,000 a day with the perfect wealth formula. All it takes is a few minutes of your time.

The perfect formula is not an MLM, it’s not a real estate venture or a pass up, it’s a truly a unique and successful way to make lots of money easily and quickly. It may sound too good to be true but it’s not. Fifteen short minutes can be all it takes to change your financial future. There is no time like the present to get started and make more money. Lots more money! You can make $30,000 a month full time, or $10,000 per month part time. Learn how you can be empowered to be more financially secure than you ever imagined. The perfect formula can work for everyone. If you think the wealth formula could help you achieve your financial goals and much more, give me fifteen minutes of your time to show you how you too can make a fortune right from your laptop.

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IVF Funding – The Cost Of IVF

Should the state provide funding for IVF treatment to couples who are unable to conceive naturally?

This is a controversial question and you can easily find pros as you can find cons to it. In this article we will focus on which states offer IVF funding and if there are any organizations that cover the cost of IVF.

In Vitro Fertilization (IVF) is a medical procedure to assist infertile couples to conceive children. The process contains fertilizing egg cells with sperm outside the womb (in vitro) and transfers the fertilized egg into the biological mother’s womb or the womb of a surrogate.

Pregnancy rates are around 35% under IVF treatment. Due to low success rate, couples have to go through several cycles before successfully getting a baby. Therefore the cost of IVF is so high. The cost of IVF overall per baby can range from $40,000 in USA to $24,000 in Scandinavia and Japan. Belgium, Sweden, Australia and Israel provide funding for several cycles of IVF. UK’s NHS offers funding for one cycle.

The fist “test-tube” baby was born in 1978. Since then IVF gave people hope where hope never existed. That hope comes with a price and for some it never works. According to Beverly Hanck from Infertility Awareness Association of Canada, 3 attempts is average and 6 is not common.

Due to many reasons, among which our nowadays lifestyle, one in six couples experience infertility. The World Health Organization calls infertility a disease. Therefore many organizations consider that since it is a disease infertility treatment must be made available as a funded service. However not many states offer funding.

It may seem like a dead end but there are ways to get IVF funding.

Some states provide IVF funding for couples who are experiencing infertility problems but cannot afford the treatment. Since 1980 14 states require insurance companies to cover or offer coverage for infertility diagnosis and treatment: Arkansas, California, Connecticut, Hawaii, Illinois, Maryland, Massachusetts, Montana, New Jersey, New York, Ohio, Rhode Island, Texas and West Virginia.

In case you live in a state that does not offer IVF funding, you may take part in clinical research. A lot is still unknown about IVF so this will help the technology to advance. Research might only consist in some blood tests or questionnaires but it can also contain taking drugs so you have to take some possible risk in consideration.

In case taking part in a research is not appealing, there are other ways to get IVF funding such as shared IVF cycle. This means that you will donate some of the eggs you produce to a couple who cannot produce them. In this way you will receive half of the costs back in compensation for donating your eggs.

Another possibility to get funding is to apply for a health care or bank loan. You should take in consideration the cost that can get quite high in case you would need to undergo more than one cycle.

There are out there some organizations that provide grants and scholarships for infertility treatment based on reason, financial statement and insurance coverage. Some of those organizations are:

  • Fertile Dreams IVF Scholarship: offers 3 scholarships for 3 couple per year worth $10,000 each to cover the cost of IVF. The applicants have to fill out an application, write a letter with their infertility history, provide a letter of recommendation from their doctor, be under 40 years old, have health insurance that covers pregnancy and supply financial data. Couples of same sex are eligible with proof of relationship stability. Single women are eligible if they supply details about their financial possibility to take care of a child alone.
  • International Council for Infertility Information Dissemination Scholarship (INCIID): offers one IVF cycle to couples that qualify based on financial need as well as medical need. Applicants have to offer letter of recommendation from their doctor and should be member of INCIID donating at least $55 per year.
  • Cade Foundation Grant: offers grants up to $10,000 for infertility or domestic adoption. Applicants must fill out an application, be USA citizen and live in the USA, provide documented proof of their infertility and pay a $40 fee.
  • New York State IVF Grant: covers up to 2 IVF cycles and it is for New York residents only that are between 21 and 44 years old, have private insurance and make less than $195,000 per year. In case the couple has low likelihood of success (abnormal FSH levels, 3 or more failed IVF cycles, IVF cycles canceled due to poor response), they will not be offered any grant.
  • East Coast Fertility IVF Grant: provides funding to applicants from USA who have to fill out an application and follow an interview with ECF.
  • Bringing U Maternal Paternal Success (BUMPS): helps couple who have problems in conceiving. Selection is based on applicant’s circumstances, fertility history, financial situation, etc. Couples with no children have priority.
  • Fertile Dreams The embracing Hope Grant: offers IVF funding to couple that have medical insurance but does not cover for fertility treatment. Offers grants of $10,000 that can be used for IVF cycle in any fertility clinic in USA. Applicants have to supply proof of income and have to give the organization full rights to share their story.
  • Pay it Forward Fertility Foundation: offers one grant annually to couples that are uninsured for infertility treatments. The treatment has to be done by a clinic that is a member of the Society for Assisted Reproductive Technology and located in North Carolina.

To find out what kind of insurance coverage you have, you might have to talk to your employer or your insurance company. Tips in what kind of questions you should ask your employer are: does your current health plan cover infertility treatment; is there any other plan that provides benefits for infertility treatment and what will be the difference in cost; does your health plan has any restrictions to the benefits they pay for infertility treatments; what is the waiting period required before you can start your treatment.

Tips in what questions you should ask your insurance company are: what are the infertility benefits in your plan; what is excluded; are there age limits; does your health plan cover infertility diagnosis, treatments and drug therapies; does your plan cover lab and blood work, progesterone and estrogen levels, FSH, LH, TSH, semen analysis, endometrial biopsy, HSG, ultrasound; does your plan cover infertility drugs such as: clomiphene citrate, gonadotropin releasing hormone antagonists, HMG, HCG, FSH; do you have to use a specific pharmacy; what type of infertility treatments are covered: IUI, IVF, GIFT, ZIFT, ICSI; are you restricted to certain clinics; which hospitals are affiliated with your plan; are you restricted to certain specialists.

Learn more about Fertility Medical Loan please follow the link for detailed information.

10 Tips for Finding a Surrogate Mother, Information on Surrogacy Clinics, Agencies, and Costs

Having a child is one of the most emotionally exciting experiences in one’s life. While being one of the happiest moments, it also carries one of the most serious responsibilities a couple will endure during their entire lives. It will increase the bond, love, and the connection between a couple while building a new member of the family. Even as anxious as a couple might be to have a child, they may be experiencing health factors that are hindering their ability to conceive a baby naturally on their own. These factors could include, infertility, physical abnormalities or disabilities, or same-sex couples.

There are 4 types of surrogacy options;

Traditional surrogacy is where the surrogate mother is also the genetic mother to the baby. The child may be conceived naturally or impregnated by fertility methods of IUI (intrauterine insemination), or ICI (intracervical insemination) performed by infertility doctors at a certified infertility clinic.

Gestational surrogacy is when a surrogate mother has an embryo transferred to her uterus to which she has no genetic relationship.

Commercial surrogacy is when the surrogate mother receives compensation for carrying and delivering the child.

Altruistic surrogacy is where a woman agrees, for no financial gain, to become pregnant and bear a child for another person or persons to whom she intends to transfer the child’s care at, or shortly after, the child’s birth.

There are many factors for infertility. There are male infertility factors and female infertility factors.. These reasons can be related to the fertilization process or the mother incapable of carrying the baby to full term. Adoption can provide an alternative in these cases, yet most couples prefer to have a child who is genetically related to them, thus surrogacy becomes the option. In the last decades, it has become possible to have a child regardless of the medical condition that is causing the infertility. If the mother is unable to carry the embryo they can choose to have IVF (in vitro fertilization), and find a surrogate mother which will provide the uterus for the embryo, and carry the baby to birth.

Even though this is a perfect solution for a couple building their family, there are many hidden pitfalls in the process and the couple needs to cover all the grounds making sure that this beautiful journey does not turn into despair.

The initial pitfall begins with finding a surrogate mother. She is the mother that will carry the couple’s baby for 9 months. During this process, there are many risks that need to be considered to make sure everything goes smoothly for your child.

Here are 10 tips for couples that are looking for a surrogate mother:

1. Seek professional help: There is a vast amount of information on the Internet, this will only help you become aware as an intended parent. Educating yourself through the Internet will not make you an expert in the surrogacy field but will help you connect, and relate with others who are experiencing similar struggles. Empowering your self with knowing your surrogacy options will help in your decision-making process.

Having a child via surrogacy is a step in your life in which you can’t leave yourself vulnerable to the system or find yourself in a position where it is too late to turn back. A knowledgeable surrogacy agency will have the know-how to educate and protect you throughout your surrogacy experience.

Surrogacy Doctors in Belarus

2. Check criminal background of the surrogate candidate extensively: You cannot trust your baby to a person with a criminal background. It is a risk you cannot take. Get information and references about the mother that you have chosen. Dig deep into their life. After all,a person who has nothing to hide, will not hesitate to provide you any necessary information about themselves. You must feel comfortable and trust the surrogate mother.

3. Select a surrogate who is mentally stable: It is not easy to determine if someone is psychologically stable with only a few meetings. Try your best to assure that she is mentally sound, has support from her family, and will stay psychologically stable throughout the pregnancy. If you choose to interview the surrogate yourself rather than a professional, check reputable sources for possible mental evaluation questions to ask.

4. Choose gestational surrogacy: Even if traditional surrogacy arrangements are legal in your state, still choose to proceed with gestational surrogacy. In traditional surrogacy the surrogate mother is also the egg donor, which means that she is actually giving birth to her own child. This causes multiple problems on the psychological side, making it harder for the surrogate mother to let go of her child. And of course in addition there may be legal problems where the decision of the courts may be inclined towards the natural mother in case she insists on keeping the child.

5. Stay in constant communication with the surrogate mother: After the agreement, stay in constant contact (at least twice a month or more) to make sure you have empathy for each other during the surrogacy. After all this woman will be giving birth to your child, you should make sure that everything goes smoothly for both of you and your expectations are the same.

6. Make sure she is financially secure: If she is not financially secure, she will be dependent on your payment, and this may be the main motivation behind her choosing to become a surrogate. This should not be the main motive. The surrogate mothers main motives should simply be being happy to give birth and create a happy family for someone else. She has agreed to go through the birthing process simply because she understands your deep desire to have a child. If the surrogate mother only looks at this process from a commercial angel, and then she may conceal important information that might change your mind. Granted most surrogate mothers are compensated after the successful birth of the baby but each situation and agreement differs.

7. Do not choose a surrogate who is not already had a baby: Choosing a surrogate who has never given birth or who has never raised a child is a risky situation that you should not take. From start to finish, you are going to spend around a year together in the surrogacy process, someone who is not experienced with pregnancy might not be aware of the commitment and difficulties of childbirth.

8. Check past medical records: Ask for medical records of the surrogate mother, from a doctor or clinic that you trust. Try to check for any complications that may have developed with any past pregnancies. You would not want to repeat any complications that might occur again, if they are health related.. Do not be content with medical records that the surrogate mother has supplied. Ask her to visit a doctor of your choice for a complete health and medical check-up.

9. Make aware of your legal rights: Try to make sure you are covered as much as possible legally for the case that anything goes wrong in the process. Surrogacy is a very difficult process from start to finish. It’s best to seek professional help like a reputable surrogacy agency, lawyers, and individuals who know the adoption rules of the particular country where your surrogate mother is located. Unless you have dealt with hundreds of surrogacy arrangements before, it is not possible for you to figure out all the variables that can go wrong. Even one mistake can risk you being unable to register as a legal guardian of your baby.

10. Talk in-depth with your surrogate ahead of time: Talk extensively with the surrogate mother about what can go wrong. Try to change her mind about being a surrogate. This is not a joke, and you must make sure that she also perceives it the same way as you do. Especially young first time surrogate mothers are not totally aware of the conditions that they are accepting. Be sure that your surrogate is the decision maker and that there are not any individuals forcing them to be a surrogate mother for money. Are they willing to go for a bed-rest or stay in hospital for months if complications occur? Do they understand that they will have to abort in case of extreme situations even if they prefer not to? Are they fully aware of the emotional trauma they might endure while giving up the baby? Talking before will help make sure you will not face serious consequences if something does go wrong.

Need to know more about Surrogacy Doctors in Belarus, follow the link.

Travel Photography

Find out about 7 travel photography tips that will help you shoot some incredible travel photos that you’ll enjoy for years to come.

Taking good pictures on your family vacation is pretty easy when you know some basic photography skills. Here you will find some really simple things you can do to take your travel photos from so-so to fabulous.

Add Some Drama
By adding drama to your pictures, it makes them more interesting and visually appealing. One way to add drama is to show scale. You can do this by adding people or natural features to your photographs of big things like monuments, landscapes or the world’s biggest Redwood.

Get Rid of the Clutter
In the excitement of seeing so much of interest, it’s easy to forget about the background. But before you press the shutter release, always take a look at the image you’re photographing. In some cases, moving a few feet could eliminate unwanted clutter like power lines, billboards, or people walking through your picture.

Take Pictures of the Locals
No matter where you are traveling in the world, learn how to say some basic things like “May I please take your picture?” in the local language. Make sure to have a small notebook and pen to write down names or emails of people so you can offer to send them a picture.

Candid and Unique
Candid shots when traveling are the best, but occasional portraits of the family in front of spectacular views and famous landmarks are part of almost every vacation album. Don’t forget to get in the vacation pictures too by using the self timer or remote shutter.

Always take pictures of things that interest you instead of taking pictures of things “you have to take” like those shown on postcards in the gift store. You can always buy some postcards to add to your travel souvenirs and save the really unique subjects for your photographs. Unusual subjects always make great travel photos so always keep an eye out for these unique photo opportunities.

Every Photo Has a Story
You may also want to tell the story of your trip so make sure to take pictures from the moment you departed to the time you returned home. Include special vacation highlights like a fun activity you did, new friends you made or the place you stayed. After you get home and upload the pictures, select the best ones to tell the story of your trip and then proudly frame it on your wall.

Get the Kids in on the Act
If traveling with kids, hand each child a camera (disposables are great for the younger ones) and encourage them to take pictures for their own vacation album.

And when you get home, you’ll be sure to have a great selection of pictures to put in a collage frame and hang on the wall. Make sure to take notes while on your trip, so you’ll have everything you need to write photo captions after you get home.

Camera Logistics
If you have any plans for being around water, make sure to bring a one time use or waterproof camera.Watch out for salt water and sand as they can wreak havoc on your camera.

Remember that even for the most experienced pros, not every picture will be a keeper, so bring extra memory cards unless you have a way to upload your photos while your away.
And don’t forget to prepare your camera for the next day by recharging the batteries and replacing the memory card. By doing this, you’ll be ready to go in the morning!

As you can see, taking good pictures on your vacation can be easy and fun. And, by the time you return home you will have a lot of fantastic pictures to share with your friends and family.

La Vida Journey is to inspire and share our love for travel, photography and the ocean

Electric Tankless Water Heaters

A water heater which is powered by electricity and heats water eliminating the need of a tank reservoir is known as an electric tank reservoir. Basically, it heats fresh water while it passes through, without the water getting stored. Due to this feature, it is often called as on-demand water heater.

Depending upon its usage, electric tankless water heaters are differentiated as below:

• Electric heaters that are used as point of service which are located near the source where a person may require water.

• Those which service an entire house.

• Those which are used for commercial aspects like industries.

There are some heaters which heat the tank even when there is no requirement of it. This paves way for electric tankless water heaters.

As there are many manufacturers, many different models in a variety of shapes, sizes and capacity are available. Some variations utilize propane or other types of gases for heating as well. Such types are more efficient if they are installed for an entire house. Depending on the temperature of water which needs to be heated, the power requirement also varies.

If you want to heat water which is already very cold, a significant amount of electricity or power is utilized. Hence, it is very important to choose an electric tankless water heater depending upon the area where you live as this influences the average temperature of water.

Electric Tankless Water Heaters Reviews

Even if all these factors are taken into consideration, tankless electric heaters are more efficient that other electric heaters used for heating water. For normal tank aided heaters, once the tank is emptied, new water takes its place and this would require heating again (chances of loss of electricity or power), but these heaters also have their valid advantages as well.

On a lighter note, electric tankless heaters provide unlimited supply of hot water which may lead a person to take shower for a long time. One disadvantage of this heater is that it takes sometime before the water is heated, but this time is not very long, often only some seconds before the desired effect starts.

All in all, usage of electric tankless water is on the rise because it saves a lot of money on costs related to standby losses.

Before buying, you must check Electric Tankless Water Heaters Reviews to have an idea of the prices, companies and you can look for other features.

Hollywood Auto broker

Who is an auto broker?

What’s an auto broker? An auto broker looks upon the entire process of buying or leasing a car on behalf of you the customer. Same is the case with Hollywood auto broker or any other in your surroundings.

Auto Brokers offers several key advantages for consumers this includes finding the desired vehicle for you negotiating the price delivering the vehicle and final paperwork to you. They even sort out the financial problems too. The auto broker’s job is to help the customer save time money and stress all while getting them their dream car at the best possible price.
The Auto brokerage that sells 100 to 150 vehicles per month. The average consumer who buys or leases a car once every two to three years. Best Price Auto Brokers is the largest auto brokerage in California and they work tirelessly to make sure each and every client gets the best deal possible and the preferential treatment they deserve.

Why Hollywood Auto brokers are everywhere?

How your car salesperson looks at you whenever you walk through the door. He gets his commission check after your deal is done. The very most important part of a new car deal for any car salesperson, not a dealership not a sales manager. But the actual salesperson the guy that’s going to be delivering your car showing you the features.

Hollywood Auto brokers are everywhere because city is expanding day by day and everyone is dealing with their locomotives. So the most important aspect of this man’s or woman’s job is making sure that you’re happy a few days after you take delivery of your car. so that you can fill out what’s known as a customer satisfaction survey and make sure that that survey gets filled out 100 percent 100 out of 100, 10 out of 10. We don’t know what are their grades there could be but making sure that it’s a hundred percent score. So a new car dealer makes money when the majority of his customers the majority of those people give him 100% satisfaction feedback on his service. He doesn’t really make anything when he sells a new car he probably makes anywhere between 100 and 150 dollars.

So after you sell a certain amount of cars you got a bonus for making sure that customer satisfaction skills were high. He knows he’s not going to make anything and quite possibly you’re going to be the reason. Then why his other deals are not going to earn him a high customer satisfaction survey because all these things get a verge doubt into one great. You might be thinking yes this guy’s been making a ton of Commission regardless. No that’s not true see the reason why this car salespeople car dealers like to deal with you is that they take away the headache that you as a customer might pose to them in earning you know the actual money which is your satisfaction rather than a commission.

How to choose the best Auto Broker?

Using an auto broker saves consumers the time and effort of having a car hunt at dealer lots and activity which most people find to be less than desirable. Auto brokers get their feed directly from clients although some get paid by the dealership. Even when the Auto Brokers fee is factored into the total expense of the car the end cost to the consumer is usually less than or equal to the deal they would have gotten on their own.