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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>chjlzln.info</title> <atom:link href="http://chjlzln.info/feed/" rel="self" type="application/rss+xml" /> <link>https://chjlzln.info</link> <description></description> <lastBuildDate>Wed, 16 Apr 2025 00:10:45 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Kidizoom Spin and Smile Digital Camera</title> <link>https://chjlzln.info/kidizoom-spin-and-smile-digital-camera/</link> <comments>https://chjlzln.info/kidizoom-spin-and-smile-digital-camera/#comments</comments> <pubDate>Fri, 11 Apr 2025 14:01:52 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Digital Arts]]></category> <category><![CDATA[digital art on mobile]]></category> <category><![CDATA[digital art on phone]]></category> <category><![CDATA[digital art painting]]></category> <category><![CDATA[digital art process]]></category> <category><![CDATA[digital art programs]]></category> <category><![CDATA[digital art software]]></category> <category><![CDATA[digital art supplies]]></category> <category><![CDATA[digital art tutorial]]></category> <category><![CDATA[digital artist setup]]></category> <category><![CDATA[digital painting]]></category> <category><![CDATA[digital products]]></category> <guid isPermaLink="false">http://chjlzln.info/?p=75</guid> <description><![CDATA[Everyone has their own precious moments that they usually experience with family and loved ones, these moments can be caught in a snapshot using a camera. That is why having a camera of your own is an advantage to keep … <a href="https://chjlzln.info/kidizoom-spin-and-smile-digital-camera/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Everyone has their own precious moments that they usually experience with family and loved ones, these moments can be caught in a snapshot using a camera. That is why having a camera of your own is an advantage to keep those precious memories that you have with your children, your friends, and your special someone in your own album or frame. But taking pictures is not just the job of the professional photographers or it’s just the task that parents usually do for their children because with the Kidizoom Spin & Smile Digital Camera, your children can create precious moments in a snapshot too.The Kidizoom Spin & Smile Digital Camera is an easy to use camera built especially for children. The main reason for this is to let your child explore the great possibilities of freezing moments in a snapshot and to be able to use a camera that is created in a simpler and a more comprehensive manner.The Kidizoom twist camera has a lot of features that will surely excite not just the parents but the children as well. Here are some of the great features of the product. You have to see this amazing digital camera that is so attractive.One thing that is great about the Kidizoom camera is that it has not only the camera settings of taking pictures, it also the gaming feature which your children will surely enjoy. As you purchase your own Kidizoom Spin & Smile Digital Camera, there are already 5 games included in it.Another feature of the Kidizoom camera is that it has the video settings as well wherein you can take not just pictures but videos. The camera has 20 megapixels resolution which is great for different kinds of settings and it also has a 4x digital zoom. Your child will surely enjoy his or her new toy and it’s just like learning a new gadget. The Kidizoom Spin & Smile Digital Camera also has a self-timer just like the ordinary camera which will let everyone enjoy self-timer shots with the entire family.The Kidizoom twist camera has yet another feature that will surely enhance the child’s imagination and creativity, it has the photo editing feature wherein you can insert silly clip-arts into the image, and you can also add backgrounds and text. Through this picture, the entire gadget is not only for fun but it is also educational in a sense that your child will be able to learn arts and will be able to enhance his or her own talent in it.Another feature of the Kidizoom Spin & Smile Digital Camera is that it can be connected to the television to view the pictures and video in a larger screen. Your child can also play the games that the camera has in store in the television. It can also be connected to the internet wherein you can send your pictures and video through the internet.Let your child use his or her imagination using the Kidizoom Spin & Smile Digital Camera. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://chjlzln.info/kidizoom-spin-and-smile-digital-camera/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Survival Kits Needed When Vacationing Outdoors</title> <link>https://chjlzln.info/survival-kits-needed-when-vacationing-outdoors/</link> <comments>https://chjlzln.info/survival-kits-needed-when-vacationing-outdoors/#comments</comments> <pubDate>Wed, 10 May 2023 11:34:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Outdoor Activities]]></category> <guid isPermaLink="false">http://chjlzln.info/?p=73</guid> <description><![CDATA[Exploring the woods, mountains, hiking trails, and other fun camping sites has been a beloved outdoor activity for ages now. There are so many ways to fully maximize nature that it would be impossible to enumerate in one article. But … <a href="https://chjlzln.info/survival-kits-needed-when-vacationing-outdoors/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Exploring the woods, mountains, hiking trails, and other fun camping sites has been a beloved outdoor activity for ages now. There are so many ways to fully maximize nature that it would be impossible to enumerate in one article. But one thing that’s a must to have make this an excellent experience is to have the right outdoor emergency kits and supplies.If you look all the way back in early history, you might be surprised to find that there have always been some kind of ointment or creme used specifically for someone who may have suffered some type of insect or animal bite, a scorching burn, or even from protection form harmful UV rays. Outdoor emergency supplies didn’t just pop onto the scene in recent decades, since very early cultures would make their own from items they found within nature itself.You can pretty much count on the fact that, being that you all will be active in the outdoors, the terrain will result in one of the individuals in your pack will end up cutting, scraping themselves, or getting a hematoma. Insects can be a pretty big irritant as well. Whether you would think so or not, something as small as an insect bite, such as that of a fly, can make was at first an awesome camping excursion turn into a nightmare if you aren’t prepared to treat them.Well stocked first aid kits should always include essential outdoor emergency supplies such as a flashlight with extra batteries, as it will be crucial if you are out hiking and night falls faster than you anticipated or if you become lost. A sharp knife should also be included because it will come in handy for a variety of things such as cutting string for the tent, cleaning fish, and for countless other situations you may not even realize.A whistle is a great addition to your kit in the event you become separated from your camping party. Fire starters are useful, specifically if the area you are camping in has had rain recently and the kindling and small branches you would normally collect and use for starting a fire are damp.A variety of over the counter medical supplies should always be stocked in first aid kits. Band aids and gauze for wounds, punctures or cuts are a must have. If someone experiences this type of accident, then an antibiotic that you can manually apply on the skin and injured area would be great to have on hand. Aspirin, antacids and ibuprofen are good for headaches and muscle aches. Creams to relieve burns and itch relief from rash or bug bites are good to have, also.Perhaps none of the things that you pack in your first aid or survival kit ever be used, and that’s what you hope and pray for, but better to be safe than sorry. One of the most intelligent things you can do in your prep work is to be sure that all that are on the trip remain in optimal health and that any accident be taken care of immediately with the correct supplies.Copyright (c) 2009 Jonathan Perez </p>]]></content:encoded> <wfw:commentRss>https://chjlzln.info/survival-kits-needed-when-vacationing-outdoors/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Backyard Weddings – Planning a Backyard Wedding</title> <link>https://chjlzln.info/backyard-weddings-planning-a-backyard-wedding/</link> <comments>https://chjlzln.info/backyard-weddings-planning-a-backyard-wedding/#comments</comments> <pubDate>Tue, 09 May 2023 20:52:31 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Wedding]]></category> <guid isPermaLink="false">http://chjlzln.info/?p=71</guid> <description><![CDATA[Are you interested in backyard weddings? Planning this type of wedding may be the best idea for your forthcoming wedding ceremony. Planning this type of wedding has many advantages. If your wedding budget is low, having a low key outdoor … <a href="https://chjlzln.info/backyard-weddings-planning-a-backyard-wedding/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Are you interested in backyard weddings? Planning this type of wedding may be the best idea for your forthcoming wedding ceremony. Planning this type of wedding has many advantages. If your wedding budget is low, having a low key outdoor wedding can help you save moneyIf you want a wonderful wedding ceremony in a low budget this idea is perfect for you. If you don’t get suitable outdoor places for your forthcoming wedding ceremony this type of ceremony may be best for you.You may also compare it with garden weddings because for decorating your wedding ceremony and reception, you will get an advantage to use your backyard garden. You can easily use beautiful flowers for decoration with some lovely plants. You only need a slight modification to decorate this place. Try to keep it neat and clean for your decorations. Try to make a beautiful gate at the entrance of your house backyard with LED lights and for more attractive part as your backyard wedding decorations covers all the small plants with this lights. There are many wedding decorations you can use.Place your wedding reception table beside the entrance and place your wedding cake table at a minimum distance from the entrance as it creates an attractive place for your honorable guests. You may also create a place as backyard reception where your guests will enjoy themselves with drinks and dancing.For these types of weddings, tents are very essential because you don’t want to create a bad situation if the weather will cheat you on that day. You should also have a plan B to overcome this situation. For your backyard wedding you should hire at least 10% chair and 2 tables more than you will need.There are many different wedding ideas you can use. For instance you can break up the yard into different areas. One for the ceremony and one for the reception. You can utilize all the natural beauty already present and just add a few accent pieces to bring out a central wedding theme or color.Outdoor weddings are great for spring, summer and fall weddings. In the spring you can showcase the changes in the weather, in the summer you can use the long nights and warm weather your advantage and if you choose to have an autumn backyard wedding you will be able to show everyone the beautiful colors of the season. Just add accent pieces, plants or flower arrangements to create the look you are trying to accomplish.There are many reasons why this type of wedding is nice. It has the potential to save you a lot of money. If the wedding occurs in a place special to you, the memories might mean even more down the line. You will be able to feel at home and more comfortable than you would in a more public atmosphere. Really, the reasons go on and on, it is something you should take into serious consideration when planning for your big day. </p>]]></content:encoded> <wfw:commentRss>https://chjlzln.info/backyard-weddings-planning-a-backyard-wedding/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Is the Ontario Government Doing Enough for Health Care?</title> <link>https://chjlzln.info/is-the-ontario-government-doing-enough-for-health-care/</link> <comments>https://chjlzln.info/is-the-ontario-government-doing-enough-for-health-care/#comments</comments> <pubDate>Tue, 09 May 2023 19:29:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[health care]]></category> <category><![CDATA[good health]]></category> <category><![CDATA[gut health]]></category> <category><![CDATA[gut health diet]]></category> <category><![CDATA[healt usa]]></category> <category><![CDATA[health]]></category> <category><![CDATA[health care costs]]></category> <category><![CDATA[health choice]]></category> <category><![CDATA[health cyberpunk]]></category> <category><![CDATA[health education]]></category> <category><![CDATA[health insurance]]></category> <category><![CDATA[health journey]]></category> <category><![CDATA[health podcasts]]></category> <category><![CDATA[health promotion]]></category> <category><![CDATA[health reform]]></category> <category><![CDATA[health science]]></category> <category><![CDATA[health tips]]></category> <category><![CDATA[healthy]]></category> <category><![CDATA[healthy aging]]></category> <category><![CDATA[healthy eating]]></category> <category><![CDATA[healthy habits]]></category> <category><![CDATA[healthy hacks]]></category> <category><![CDATA[hormone health]]></category> <category><![CDATA[mental health]]></category> <category><![CDATA[metabolic health]]></category> <category><![CDATA[physical health]]></category> <category><![CDATA[private health]]></category> <category><![CDATA[public health]]></category> <category><![CDATA[rural health]]></category> <category><![CDATA[stomach health]]></category> <category><![CDATA[us health]]></category> <guid isPermaLink="false">http://chjlzln.info/?p=68</guid> <description><![CDATA[While the Ontario government has provided a health care plan for its citizens for many years now, there is still debate over whether or not they are doing enough for health care overall, particularly in comparison to the rest of … <a href="https://chjlzln.info/is-the-ontario-government-doing-enough-for-health-care/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> While the Ontario government has provided a health care plan for its citizens for many years now, there is still debate over whether or not they are doing enough for health care overall, particularly in comparison to the rest of the country. In fact, the auditor general of Ontario, Jim McCarter, released a report this Monday that indicates there are actually a wealth of problems in the current Ontario health care system, from crumbling colleges to inaccurate property tax assessments to unnecessary stays in the hospital.McCarter focused much of his assessment on the state of health care in Ontario, and he discovered that at least 50,000 patients in Ontario had stayed in hospitals for longer than they needed to in the year 2009 because there were not nearly enough home care services and long term care beds. McCarter indicated that this problem is only likely to keep growing as people in Ontario inevitably become older.McCarter stated that 13 per cent of the population of Ontario is made up of people who are 65 years of age or older, but almost 60 percent of the days patients spend in hospitals in Ontario are consumed by people over the age of 65. Furthermore, in the next two decades, there are expected to be twice as many seniors in the Ontario area as there are today.These results suggest the Ontario government is not doing nearly enough to provide for the health care of its citizens. Last year, about half of the patients in Ontario hospitals who could have been released from those hospitals to receive additional care at home were required to stay for at least six more days, on average, in hospitals, before they became eligible to receive health services.Wait times within hospitals were found to be another area of concern in Ontario health care. The assessment by McCarter found that there are still a lot of people who are receiving delayed service and having to suffer through extended waiting times in emergency rooms in Ontario hospitals because of the trouble the hospitals have in freeing up beds of patients still in the hospital.In fact, some people who had serious conditions that required emergency care and assistance still had to wait for up to 12 hours before they could receive proper medical care. The goal in such situations is to have patients wait no longer than 8 hours, but they ended up having to wait 50 per cent longer in some cases. The province of Ontario has already spent in excess of $200 million between 2008 and 2010 in their efforts to improve the wait times in emergency rooms.With such deficits in the condition of Ontario health care, it is no surprise that people have begun to look into private health insurance options such as an individual Ontario health insurance plan. It simply is not right for people to have to spend extra time in hospitals and away from their families due to bureaucracy on the part of the Ontario government. A change is clearly needed, but it is unclear as to how long it will take before this change is put into place. </p>]]></content:encoded> <wfw:commentRss>https://chjlzln.info/is-the-ontario-government-doing-enough-for-health-care/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Commercial Subprime Mortgages</title> <link>https://chjlzln.info/commercial-subprime-mortgages/</link> <comments>https://chjlzln.info/commercial-subprime-mortgages/#comments</comments> <pubDate>Tue, 09 May 2023 11:50:29 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Finance]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency Trading]]></category> <category><![CDATA[finance]]></category> <category><![CDATA[Leases Leasing]]></category> <category><![CDATA[Loans]]></category> <category><![CDATA[personal finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Student Loans]]></category> <guid isPermaLink="false">http://chjlzln.info/?p=66</guid> <description><![CDATA[Although there is really no “commercial subprime mortgage” sector like there is in residential, there are 3 types of commercial mortgages programs that are designed for borrowers with difficult situations.These loan programs include:1. Stated income commercial loans 2 . Commercial … <a href="https://chjlzln.info/commercial-subprime-mortgages/">Continue reading <span class="meta-nav">→</span></a>]]></description> <content:encoded><![CDATA[<p> Although there is really no “commercial subprime mortgage” sector like there is in residential, there are 3 types of commercial mortgages programs that are designed for borrowers with difficult situations.These loan programs include:1. Stated income commercial loans<br />2 . Commercial hard money<br />3. SBA 7a loans.Commercial Stated Income LoansCommercial stated Income loans were designed for businesses or investors that do not show enough income on their tax returns to qualify for traditional loans. For example restaurants, automotive repair or other high cash businesses are prime examples of business that often make enough money to support the mortgage debt, but owners often do not report all earned income on their taxes.The primary benefit of this program compared to other “subprime loans” is longer fixed period, with 20- 30 year amortizations schedules and high leverage (often up to 75% on refinances and even 90% loan to value on purchases).The negatives include high prepayment penalties and rates are often 2 -5% higher than typical bank financing (though it won’t be available to a borrower that didn’t show enough income on their tax returns to qualify).Commercial Hard MoneyCommercial hard money loans are the ultimate “commercial subprime” loans for investors and occasionally for business owners. Hard money lenders are really interested in properties equity or the properties ability to pay the lender back in case of default. Loan to values rarely exceed 65% and values are often further reduced by tough appraisals.The primary benefit of hard money is the speed in execution (3 weeks to close is not unusual) and lenders do not generally care about credit scores. The negatives with hard money include interest only rates in the 12-15% range with points in the 3-5% range.SBA 7a LoansIf hard money loans are the ultimate “subprime loans” for investors, the SBA 7a loans are the ultimate for business owners. Highlights include the ability to refinance up to 90% loan to value, credit scores as low as 500 are acceptable, and debt coverage ratios can be as low as a 1.1 – with the ability to use projections for future income.Common objection to the SBA 7a program include the floating rate and expensive guarantee fee that the SBA demands. Both of these negative characteristics can be eliminated though, for example there are banks that offer a 5 year fixed version with the ability to roll the guarantee fee into the rate. </p>]]></content:encoded> <wfw:commentRss>https://chjlzln.info/commercial-subprime-mortgages/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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