With that, you have the option to use the whole loan capacity or just part of it. Even more important than the advice above… use multiple loan brokers and make them compete to sell you the same product. A broker that says “I represent all the lenders and I can find you the best deal” is misleading you. Before you start navigating through the home loan process, start by learning the road map.

Included in the steps to take in a home mortgage loan refinance is to check policy and procedures in relation to the collection and use of any personal information that you provide. Once the lender has ensured that all supporting documentation has been received together with your signed contract, their settlement agents will organize settlement with your solicitors or conveyancers. You will receive confirmed settlement details in writing. Stated, low documentation and no documentation loans may not be available for every product in every state. Not all borrowers will qualify, and this is not a commitment to lend.

The word “streamline” refers to the amount of documentation and underwriting that needs to be done by the lender. It has nothing to do with transaction costs. Send bulky documents by overnight courier. Make sure you have the correct name and address of the person who is to receive the papers.

When applying the steps to take in a home mortgage loan refinance, it is recommended that you apply with about three different mortgage companies that will submit your application to multiple lenders and give you multiple offers. That way you can really maximize your options. As with the Nationwide product, it will cost 3 per cent of the outstanding balance to redeem the mortgage within the 10- year tie-in period. Rival lenders upped the ante recently by making their mortgages even more flexible - but a closer look at how each product works should tell borrowers that this is not without cost. The 2006 tax bill makes mortgage insurance premiums tax deductible, but the rules to qualify are restrictive. How do interest rates compare to those of a combo or piggyback loan?

By Tim Gorman

Are you looking to buy a house or refinance your current mortgage? If so, you need to know the best way to get a home mortgage. Getting a mortgage or refinancing a mortgage can be very stressful if you do not know what you are doing. You can also end up with a deal that just is not good for you. Here is how to get the home mortgage deal that you deserve.

First, you need to pull your own credit report. This might cost you $20, but it will be worth it. Make sure you get your FICO score included with your credit report. Get a copy from all three credit bureaus as well. You can do this right online if you want to.

You will use this credit report to forward to all the mortgage companies you will be getting quotes from. This will keep them from knowing that you are shopping around and will save you on your credit score as well.

Next, contact 4-6 mortgage companies and two mortgage brokers. Tell them that you will forward a copy of your credit report and you do not want them pulling your credit until you decide to use them for your mortgage. If they are not ok with this, then you need to skip them and move on.

Last, take the best quote you get and forward it to all the other companies. Give them a chance to match it or beat it. After you get new quotes, you will want to forward the best one around one more time. This will ensure you get the lowest rate and the best deal you can possibly get.

Now all you have to do is choose the company with the best deal and the best customer service for your home mortgage. If you have a couple of companies that will give you the same deal, then you should go with the most honest company and the one that gave you the best service.

By Benjamin Robert Ehinger

A home loan is usually obtained from a bank but can be received from any institution willing to loan the money. Lenders normally require an initial payment from the borrower, typically 20 percent of the purchase price of the house; this is called a down payment. If the house is selling for $200,000, for example, the borrower must make a down payment of $40,000 and can then take out a $160,000 loan to cover the rest. Lenders require a down payment as a way to ensure that they can recover the money they have loaned in case the borrower defaults on it (that is, fails to repay it). In the case of default, the lender has the right to repossess the property and sell it to pay off the loan. The process of a lender taking possession of a property as a result of a defaulted loan is called foreclosure.

Lenders evaluate potential borrowers to make sure they are reliable enough to pay back the loan. Among the factors they review are the borrower’s income and ability to make the down payment. The U.S. government provides various forms of assistance to people who would not normally qualify for home loans. For instance, the Federal Housing Administration insures loans for low-income citizens in order to encourage banks to lend to them. It also runs programs that offer grants (money that does not have to be repaid) to cover down payments. One such program is the American Dream Down Payment Initiative. The Department of Veterans Affairs provides similar assistance for people who have served in the U.S. military.

The calculation banks use to determine monthly loan payments is complicated and often not understood by borrowers. Banks charge an annual percentage rate (APR) on the loan amount, or principal, in order to be compensated for the service of lending money (as well as to pay for their own expenses, such as hiring employees and maintaining buildings). Although the interest rate is quoted as an annual rate, in actuality the interest on a home loan is usually charged monthly. For example, if the APR were 8 percent, the monthly interest rate would be 0.6667 percent (8 percent divided by 12 months). The interest also compounds monthly, meaning that each month the interest fee is added to the original loan amount, and this sum is used as the basis for the next month’s interest. The borrower ends up paying interest on the accumulated interest as well as on the original loan amount.

To understand how this works, imagine that you had to pay an 8 percent annual fee on $100. The first month you would pay an interest fee of roughly 0.6667 percent of $100, or a little more than 66 cents, raising the total amount due to just over $100.66. The second month you would pay 0.6667 percent on the new loan amount ($100.66), or 67 cents, bringing the total due to almost $101.34. After 12 months of applying a compounding monthly interest rate of 0.6667, the total amount owed would be $108.30, or 8 percent more than the original loan amount plus 30 cents, the amount of interest that accumulated through compounding.

Mortgage payments are even more complicated because two things happen each month: in the example of an 8 percent APR, a fee of 0.6667 percent is charged to the total amount of the loan, but the total amount of the loan is reduced because the borrower has made a payment. Because the payment by the borrower is more than the fee of the monthly interest rate, the total amount owed gradually goes down.

This method of calculation requires that borrowers pay more in interest each month at the beginning of the loan than at the end. This can be seen in the example of a $160,000 loan paid over a 30-year period with an APR of 8 percent. After the first month of the loan, the bank charges a monthly interest rate of 0.6667 percent (really two-thirds of a percent, which would be a 0 with an infinite number of 6s after the decimal point, but it is rounded up at the fourth decimal point) on the $160,000 loan amount, for a fee of $1,066.67. At the same time, the borrower sends the bank a mortgage payment of $1,174.02; of this amount, $1,066.67 goes toward paying off the interest charge, and the remainder, $107.35, is subtracted from the $160,000 loan, bring the total amount due down to $159,892.65. The next month the bank charges the same monthly interest rate of 0.6667 on this new amount, $159,892.65, resulting in an interest charge of $1,065.95, just slightly less than the month before. When the borrower sends in his $1,174.02 payment, $1,065.95 goes toward paying off the new interest charge and the rest, $108.07, is subtracted from the loan amount ($159,892.65  $108.07), with the resulting total amount due being $159,784.58.

Over the course of 30 years, three things happen: the total amount due on the loan gradually goes down; the interest charge also slowly reduces (because it is a fixed percent, 0.6667, of a gradually reducing loan amount); and an increasing amount of the payment begins to go to the loan amount, not the interest (because the interest charge gradually goes down while the borrower’s payment, $1,174.02, remains the same). After 270 months, or three-fourths of the way through the loan, $532.72 of the monthly payment goes toward interest and $641.30 is subtracted from the loan amount. By the end of the loan, the borrower would have paid $160,000 in principal and $262,652.18 in interest.

Purchasing a home involves paying what are called “closing costs” to cover the various transactions that must occur. Fees are charged by the broker or agent who arranges the home loan, the people who inspect the property to make sure it is sound, the title insurance company (which researches the legal ownership of the property to make sure the seller is really the owner and insures that the transfer of ownership goes smoothly). Additionally, there are various local and state taxes and fees to be paid, and there may be a partial payment due at the time of the mortgage’s inception. These charges are usually paid by the buyer at the very end of the lending process (hence the term closing costs ).

In order to protect themselves and the home buyer from financial loss, lenders require that the property be covered by a homeowner’s insurance policy that insures the property against loss from fire (and in certain cases flood or earthquake) damage. To guarantee that the borrower makes his or her insurance payments, mortgage lenders set up what is called an escrow account and require that the borrower deposit a monthly payment into it to cover the cost of the insurance. When the annual insurance bill comes due, the mortgage company uses the money in the escrow account to pay it on behalf of the borrower.

Additionally, most real estate is subject to property tax, which is used to fund public schools and other local government programs. Because a failure to pay these taxes can lead to the seizure and sale of the property, the lender wants to make sure that these taxes are paid and hence requires the buyer to pay another monthly amount into the escrow account.

Despite the large amount of interest paid, there are many benefits to having a home loan. They allow people to buy homes that they would otherwise be unable to afford. In addition, once someone has a fixed-rate mortgage, the monthly payment never goes up. Rents, however, almost always rise over time. A homeowner also builds up equity in the house over the years. Equity is the difference between the current value of the property and the loans against it. In the above example of the $200,000 house, the owner immediately has $40,000 in equity because of the down payment; as the owner gradually pays back the loan, his or her equity increases. Furthermore, it is likely that 10 years later the house itself will have increased in value. If the house is, for example, worth $260,000 by then, the owner will have gained an additional $60,000 in equity. An owner can turn the equity in a house into cash by selling the house and pocketing the profits, possibly with the intention of buying another house, taking a long vacation, or having extra money for retirement. Finally, interest is usually deducted from a person’s taxable income, meaning that person will owe less in taxes.

For more information on Home Loan and Mortgage Rate, visit my Home Loan and Mortgage Rate here.

By Kris Lee

The U.S. Department of Housing and Urban Development (HUD) has created a type of home loan that is becoming one of the most sought after around the U.S. The Reverse Mortgage is a private loan which is federally insured and a kind of home loan that keeps a part of the homeowner’s equity converted into cash. Senior citizens make use of it as their financial security. Unlike the usual mortgage loans, HUD’s Reverse Mortgage doesn’t require you to prove a sufficient income to qualify for a loan. Reverse Mortgage doesn’t mind your current income and your age to assess your ability to borrow a certain amount.

Together with the interest rate and the appraisal value, everything will depend on how old you are. What’s best in this kind of loan is that it doesn’t require you to make payments soon, because it won’t be due as long as the house acts as your own principal residence.

But how does the processing of this mortgage become available to seniors? First, you would need to be at least 62 years of age. No required minimum income or credits, but surely there are some other requirements a borrower should understand if he/she qualifies for the loan.

Investing money and time in processing this application should be put into consideration. You should possess and occupy a house as part of the requirement for you to qualify. This will act as your home where you primarily reside during the whole terms. You will also need to have an approved counseling from HUD before and after finalization of HUD application. This usually lasts for about 45 minutes with an HUD counselor. It will give you all the explanations that you will need and the requirements to attain a reverse mortgage. This is fully supported by a lot of lenders, and is approved by HUD so that the borrower is fully aware of what reverse mortgage is and how it is processed.

A borrower should also understand that other forms of assets he or she possessed are not, by any means, affected by HUD’s Reverse Mortgage Loan. And if you are wondering if the debt can be passed along to an estate or an heir, it’s not going to work. Most commonly, some of the related taxes and charges at hand are also best considered especially for those seeking a financial help through reverse mortgage. Generally, any favorable interest charges is not deductible until a loaned amount is fully paid and, at the end of its terms. Accordingly, when the homeowner dies, or if the homeowner plans on selling the property, or if the conditions of the loan varied; the reverse mortgage can then be paid off along with the proceeds of the property. It can also be refinanced by the homeowner’s heir with a varying cost of regular mortgage. It all depends on the type of reverse mortgage the homeowner has applied for.

At the end of the day, the first thing you have to consider is whether or not you have the financial capacity and the willingness to acquire all necessary application requirements to get your loan approved.

By April Kerr

When it comes to the debate about the popular stores Pottery Barn and Restoration Hardware, different people have their own way of judging each. Some folks have become loyal to one or the other, and for good reason. As consumers, we have a tendency to be highly loyal to places where we have had good experiences. Still, which one is better, and how do we decide on that? Though Pottery Barn is the more “en vogue” choice, Restoration Hardware is probably a better store for a number of different reasons.

Restoration Hardware carries a number of different products, and their selection is a little more varied than Pottery Barn. The real reason, though, why Restoration Hardware stands out above the crowd is because they have a huge selection of different full furniture sets. Whereas Pottery Barn has a lot of individual pieces and a few full sets, Restoration Hardware has made it their goal to put together great full sets for customers to buy and take home. Included among those are full dining room sets, full living room sets, and even kitchen sets. They feature both new collections and upholstered collections for you to choose from, so you will always be able to find something to suit your particular needs.

Another huge thing that sets Restoration Hardware apart from Pottery Barn is found within Restoration Hardware’s very name. They are more of a hardware store than Pottery Barn, so they have the things that people need on a day-to-day basis. For instance, instead of having to go to Pottery Barn and purchase a chair, and then run over to Lowe’s or Home Depot to purchase the supplies to put that chair together, you can get it all with one trip to Restoration Hardware. That is a huge draw for customers, as they can get a leg up on the job and get going quicker with fewer trips. There is also the huge selection of outdoor things that Restoration Hardware has featured over the last few months. They outclass Pottery Barn when it comes to things to make your yard more beautiful.

Ultimately, the choice is completely up to the consumer and his or her preferences. Both stores have their advantages, but when you put all the pros up against all the cons, it is easy to see that Restoration Hardware is a better choice for the common consumer. Why is that? It is because, in the end, they do things to make sure the consumer is more comfortable. This includes their dedication to constantly updating their products, as well as their constantly evolving effort to have more “sale” items. They look after the consumer’s pocketbook, while also providing only the highest quality items that people expect to have in their homes.

The shopping mall review site, Malls-Info.com, gives addresses, hours, and allows shoppers to write reviews of malls in their area. Check out the Pottery Barn review at Malls-Info for locations and reviews of local shops.

By Tom Coleman

]]> http://favorites-search.com/30/feed http://favorites-search.com/29 http://favorites-search.com/29#comments Mon, 29 Sep 2008 07:50:19 +0000 zakkir http://favorites-search.com/?p=29

Inflatable hot tubs allow you to enjoy the amenities as those that are placed permanent structures. Everyone loves the feeling that they get stepping into a hot tub. The warm water bubbling over their bodies and placing them into a total state of relaxation. But not every place you visit will have a hot tub that is accessible if one at all.

In these times, the inflatable hot tub is a perfect item to have in your inventory. Whether you are visiting friends or on a business trip, you can enjoy the feel of the rippling water over your skin.

It has been proven that the warm water that bubbles in hot tubs is a great way to achieve total relaxation. These inflatable hot tubs do not need to be connected to any type of plumbing in order to work. All they need is the use of a garden hose to fill them up. They have the same type of water jets and seating that the ones that are permanent have.

After you have filled the hot tub, just simply add the correct chemicals to the water and get in and enjoy a peaceful time. They are lightweight and can easily be set up and broke down. The jets rush this water quickly through the tub and create the bubbles that massage the skin and allow you to become relaxed.

This type of therapy has been prescribed by many doctors to break up tension and relieve stress and to gain a feeling of being completely relaxed. The warm water that is in the hot tub will loosen up any muscles that have gotten tight. This how the tension in our muscles is relieved.

If you suffer from tension, stress or just need some relaxation, the use of one of these inflatable hot tubs is your answer. They can be set up just about anywhere with out the need for any external plumbing. As a matter of fact the only external accessory that you need is electricity to operate the pump and jets that will allow for you to obtain the the total relaxation that you are looking for.

They are great to take with you when you visit family or even a camping trip that has access to electricity. No matter where you go, you can now achieve relaxation wherever you go. Don’t you deserve to feel relaxed?

Daryl plaza is a regular contributor to HotTubSpaOasis.com a website with information and resources on all your hot tub needs and supplies

By Daryl Plaza

The trailers we use to haul our boats, horses, equipment and other toys are one of our most overlooked and under maintained possessions. We rarely think about them until we need to take our boat out to the lake when the weather warms and even then, most of us are lucky to just check the tire pressure. Keeping your trailer in good running shape really isn’t that hard and can save you from at best a minor inconvenience to at worst a serious accident.

The most common maintenance item is the bearings. They are without a doubt one of the more critical items on the trailer, especially if you have a boat and are submerging your wheels in the water at the boat dock. Once a year, you should have your hubs disassembled and thoroughly inspected and cleaned. You can either do this yourself or take it to a local auto shop. Whoever works on it should inspect them for wear marks, pits, or gouges that could have developed over the last year.

Now that you have the wheels off to clean the hub assemblies, you can get under the trailer and inspect the axle and springs. Check the axle to make sure it is not bent and make sure the springs look to be in good working order.

Once the hubs have been cleaned and repacked and the axle has been inspected, you can grease the axle. Keeping your bearing properly greased can head off a lot of problems and make your trailer last longer and ride safer. You should keep a grease gun handy so you can always add a little to the bearings. A cordless grease gun might be a good investment if you own a fleet of trailers. A cordless grease gun can make quick work of a long and tedious greasing job.

Also after you have been driving for a while, it is a good idea to check your hubs and bearings for excessive heat. An over heated hub indicates that something serious is wrong and causing a lot of friction. A wheel can come completely off a trailer and cause a bad accident. A good rule of thumb is the hub should not be hotter than a morning cup of coffee. If it is hotter than that, do not drive on it until the problem is corrected.

Trailers are not as fun or sexy as our boats we carry with them, but without a properly maintained trailer we would not get very far.

By Jason Miller

Pottery Barn is obviously a well known brand name world over. It is a brand whose products can be used for remodeling or decorating a home. Let me be completely open with you, I am not going to give you out of this world “things” nor will I waste your time nor will I lie and say this is a ground breaking article. I will say this, if you read to the end of this article, then you are guaranteed to pick up something you did not know about before.

Now, let me get down to business by rushing through these points. After all this is not the end of your search so why waste your time with long boring content.

Size differentiation

Most people especially never take the time to note the specific sizes they require for their bed. At the end of the day, instead of having the cover beautify the room , it simply kills its look. So if you are into Pottery Barn, you can also find them in a variety of sizes but the most common ones include, king, queen, twin and full size. There is also the California one. For example, you can buy a Pottery Barn Twin Sports Duvet. So take some time to measure your bed or ask around before making your final purchase.

Prices

Pottery Barn duvet covers have a variety of prices.. For example, the Pottery Barn Kids Twin Star Motif Duvet Cover, which comes with a Sham is about 20USD. Some go as far as over a hundred and only a few above a thousand US dollars.

Pottery Barn color scheme

Here is one other thing you should take note of. Pottery Barn Duvet covers come in different color options from purple, floral, black, green to ivory, gold, cream and lavender. There is one pink Pottery Barn duvet cover with ladybugs and is corduroy that can be best fitted for your toddler.

As I am sure you have noticed, more can still be said but it is not possible for me to cram all the information in this page.

Before you end this article, take some time to visit this high traffic site called http://www.aboutduvetcovers.com - there you will find more tips, reviews and recommended options to buy.

Don’t stress much just head on over to the site and read more or even buy a Pottery Barn duvet cover

The article author has written numerous articles on duvet cover reviews and is an expert writer for a leading Pottery Barn duvet cover, visit it now on about duvet covers website

By Shelly Vickoe

“You Tube? Best marketing tool EVER!”

“If you’re in business, you absolutely, positively have to be on MySpace.”

“All the best marketers have blogs…or podcasts…or streaming video on their websites…”

Sound familiar? It seems as if a day doesn’t go by without some new technological tidbit, guaranteed to transform the business world as we know it, is making all the papers. Blogging is hot one day, passe the next. You Tube is the place you want to be — unless you don’t want to be there, of course!

How is a Nichepreneur to make any sense of it all? How do you identify what tools are best to promote your products and services and which are destined to be no more than a flash in the pan phenomenon, long on promise and short on follow-through?

More importantly, how are you going to find the time to figure it all out? When you’re busy running your business, finding the hours needed to learn about a new technology can be challenging enough — spending all of that time and energy only to discover that something is really not for you is a frustration you don’t need!

Save time and minimize frustration by adopting this six step process for approaching new technology. Followed consistently, this process will allow you to identify viable promotion opportunities, discern which ones appear to have sticking power, streamline the learning process, and adopt best practices right from day one!

Step One: Don’t Believe the Hype

Enthusiastic, cheerleading-style articles touting the latest tech tool as the solution to all of your marketing challenges are fun to read — but they seldom provide enough information to make a solid business decision!

Put yourself on a short rein, and don’t let enthusiasm for the flavor-of-the-week be your only guide. Do your research. Discover what demographics are adopting the technology being touted: the audience for Twitter-powered microblogs is different than the crowd downloading podcasts onto their cell phones.

Longevity is definitely a relative term in this environment: internet trends move at the speed of light. However, longevity is key in determining when a fad has staying power: blogging has been around for years now, and has proven business applications, while other, newer tech applications have yet to prove themselves. Consider if you want to be on the cutting edge, taking the risk to try out the new tech and benefit by being an early adopter, or if you’d be more comfortable going with a known and proven platform.

Step Two: Seek Out Reputable Resources to Serve as Guides

While you’re doing your due diligence and researching this new technological tool, you’ll want to pay special attention to where your information is coming from. Not all resources are equally valuable. Look to those individuals who are consistently cited as an Expert by others: it’s a good idea to have a rule of three for this. If three disparate sources all reference the same individual or work, there’s a better than fair chance that that resource has some real value that you can benefit from.

Remember, you don’t have to limit yourself to online research, although that’s often the quickest and easiest way to find information. Check print media: if a tool is well established enough to have books devoted to it, chances are it can be used to help you promote your business effectively.

Step Three: Identify What You Want To Accomplish

Set a clear goal for yourself. This goal needs to be specific, quantifiable, and realistic. Rather than saying, “I want to be on You Tube because everybody’s there!” consider, “I will post four videos a year to You Tube, each one focused on a different segment of my area of expertise.”

Knowing what you want to do is essential. Having an end objective allows you to figure out what skills you need to concentrate on and which ones are irrelevant. For example, if you want to build your business through blogging, you can do so without ever once picking up a book on video podcasting. Instead, you can focus on learning how to write a great blog entry, how to promote your blog, and strategies to raise your blog’s visibility.

This step allows you to save time. You only have a limited amount of time to devote to this new tool, so you want to be efficient.

Step Four: Learn the Vocabulary

Make life easy for yourself! Before you start diving into the hows, whys, and how-comes of any new area of study, take an hour to familiarize yourself with the vocabulary you’re going to need. Every technology has its own language, specific to what you’re working on.

Think of this vocabulary as similar to the professional jargon you use when conversing with colleagues. It’s likely that your conversation might be unintelligible to the average listener, unless you took the time to define and explain the terminology you’re using.

Chances are you don’t have someone there to explain confusing terms or unfamiliar language to you — and if you try to forge ahead, hoping to pick up the meaning in context, you’ll find yourself frustrated and no closer to achieving your goals. It may seem like wasted time to focus on vocabulary early in the process, but language makes comprehension possible!

Step Five: Don’t Reinvent the Wheel

No matter what your goal or objective is, there’s a better than fair chance that someone else has already done it first. Look for examples that resonate with you: a blog you’d like to emulate, podcasts that inspire you, You Tube videos that have you green with envy.

Study these examples carefully. What about them ‘works’? Make a list of those things you’d like to adopt for your own message. Obviously, you don’t want to make a carbon copy of someone else’s work, but there’s nothing wrong after modeling yourself after people who have done a great job communicating their message effectively!

Step Six: Ask Questions & Embrace Expertise

Nichepreneurs are often convinced that because they’re in business for themselves, they have to do everything themselves. As a corollary to this, there’s a common misconception that one should know everything possible about running a business from day one and never need any help!

You need to put that attitude behind you! Save time, energy, and effort by asking questions! There are a number of platforms to do this online: entire web communities have sprung up for individuals who want to build a better blog, create great You Tube videos, and more. Find a community you’re comfortable with — this might require a few minutes with Google — and ask questions. This is often the quickest way to find information and, as an added bonus, start forming relationships with potential colleagues, clients, and peers.

In Conclusion

Technology is evolving at light speed. Every day there’s something new. There’s no way one person can keep up with it all, which means we have to pick and choose which tools are the best to promote our businesses. Be critical, implement this six step process consistently, and you’ll find that you can have the best of both worlds: adopting the latest, greatest tools to promote yourself without wasting a lot of time and energy!

By Susan Friedmann

Are you considering a home hot tub? There’s probably no feeling in the world like slipping into the warm and pleasing waters, turning up the jets, and feeling the bubbles envelope you. Your fatigued muscles get relaxed as tensions seem to melt away.

In fact, this is no accident or coincidence. It’s been shown that there are many therapeutic and health advantages to hot tubs. And this isn’t simply for those who are athletes or who are suffering from an injury or ailment; these benefits are there for everybody.

For one thing, when you are submerged in water, you lose about 80% - 90% of your body weight. Anybody with backache or joint problems can tell you that even when you’re sitting; your body is still working hard to support itself. But especially in a hot tub, your joints and muscles are relieves of much of that pressure. Many people with arthritis and back problems appreciate being in water for just that cause.

Because the water in a hot tub is warm, this causes your blood pressure to rise as the heart works harder to pump blood to the surface of your body, where it’s cooled. This means that more blood is being pushed deep into your muscles, which helps them to relax and cure.

A hot tub is in general like a self-massage from within. Thus, this helps with flexibility and agility. There are good causes why most professional sports arenas have hot tubs in their locker rooms, and it’s not purely for fun!

By Patricia Olson