Category: information

Members Sean and Amy B. are intentionally saving for what’s important in their life. Keeping track of exactly where their money goes is important to the couple’s budgeting success and their ability to save up for their goals.

Sean and Amy first became interested in Canopy after driving by a billboard. They were in the middle of a frustrating experience with their previous financial institution and were intrigued by Canopy’s advertisement for its Kasasa Checking accounts.

With the Canopy branch on Francis Ave. in the vicinity of their northside home, they decided to check it out. Both of them appreciate the welcoming atmosphere at the branch.

“Every time I come in to the branch, I get a warm, friendly feeling. And, it isn’t just the coffee. The atmosphere just feels warm and welcome, ” Sean said.

At the end of their first month being members, Sean and Amy were pleasantly surprised with the dividends they earned and decided to save those extra funds for one of their goals.

Sean and Amy’s savings strategy? “A dime here and a nickel there, ” Amy said.

Using the envelope savings method, Sean and Amy set aside a chunk of change at the beginning of the month for each of their spending categories. If they end up spending less than the allotted amount, they take the extra cash and put it towards remodeling their home.

Five years ago, they found the perfect home in north Spokane in a “neat neighborhood”. They love that their neighbors are from a mix of generations.

“Mostly everybody knows each other, ” Sean said.

Now that they have their home, they are building up their savings for home improvement projects.

“Our home is over a hundred years old with floors and an unfinished attic that need some love. That means we need to take time to save up, ” Amy said.

When the couple isn’t saving up for their next goals, they keep busy with a variety of passions. Both write fiction and are creating stories for a book series and a podcast.

Sean and Amy’s focus on saving and intentional budgeting allows them to enjoy the things that matter to them.

Canopy Credit Union

When you’ve been injured due to someone else’s negligence, finding the right personal injury lawyer can make all the difference in your case. But with so many options out there, how do you choose the best one to represent you? Don’t worry, we’ve got you covered. Here are 5 insider tips to help you find the perfect personal injury lawyer and ensure you get the justice you deserve:

Experience Speaks Powerfully: In matters of personal injury cases, experience is key. Seek out a lawyer who specializes in personal injury law and has a history of winning cases. An experienced lawyer will know the intricacies of the legal system, be familiar with negotiate with insurance companies, and be prepared to take your case to trial if necessary.

Reputation Matters: A lawyer’s reputation can speak voluminously about their abilities and professionalism. Look for reviews and testimonials from past clients to get an idea of what it’s like to work with them. You can also examine online ratings and reviews on platforms like Google or Yelp to gauge their reputation in the community.

Free Consultations Are Your Ally: Many personal injury lawyers offer free consultations to potential clients. Utilize these opportunities to meet with different lawyers, discuss your case, and see if they’re the right fit for you. During the consultation, pay attention to how the lawyer communicates with you and whether they seem genuinely interested in helping you.

Fee Structures: Before hiring a personal injury lawyer, make sure you understand their fee structure. Most personal injury lawyers work on a contingency fee basis, which means they only get paid if you win your case. However, the percentage they take can vary, so make sure to clarify this upfront to avoid any surprises down the road.

Communication is Key: Effective communication is critical in any legal case. Make sure the lawyer you choose is responsive to your calls and emails, keeps you updated on the progress of your case, and takes the time to answer any questions you may have. You want a lawyer who will be there for you at all times and make you feel confident in their abilities.

By following these Five tips, you can find the optimal personal injury lawyer to represent you and ensure you get the justice and compensation you deserve. Don’t settle for less – your future could hinge on this decision.

Have you ever been in a close encounter with a semi truck while driving? These vehicles are intimidating because of their sheer size and power, especially when driving on Pennsylvania’s busy roads. There are some ways to protect yourself when sharing the road with these vast vehicles. We’ll look at some practical tips to reduce your risk of a truck accident so you can drive more confidently.

Common Causes of Truck Accidents in Pennsylvania

Understanding the causes of truck accidents is an important step to learning how to prevent them. Here are the top causes of truck crashes in Pennsylvania.

Fatigue in Truck Drivers: Long working hours and demanding schedules are often the cause of fatigue. It can affect a driver’s ability to react, judge, and be aware, which increases the risk of an accident. 

Distracted driving: Like passenger car drivers truckers are susceptible to distractions such as texting, eating or fiddling with GPS devices. Even if a trucker takes his or her attention away from the road for just a few moments, the results can be catastrophic.

Blind spots: Semi trucks have blind spots on all sides. A truck driver may not notice a vehicle that is lingering in a blind space, resulting in dangerous lane-changes or merging accidents.

Poor Road Condition: Pennsylvania weather is notoriously unpredictable. Roads can become slippery and dangerous, especially when there is rain, snow or ice. This is particularly true for large trucks. 

Mechanical Fault: Although trucks are complex machines that require maintenance, they can still fail. Tire blowouts or steering problems can turn an otherwise well-maintained vehicle into a deadly hazard.

Aggressive driving: Speeding up, tailgating and unsafe lane changing are all dangerous behaviors for any vehicle. However, the sheer size of trucks makes them more likely to cause serious accidents.

Tips to Stay Safe Around Trucks

All drivers in Pennsylvania must share the road safely with large trucks. These tips will help you reduce your chances of getting into an accident.

Be Alert to Blind Spots : If you cannot see the mirrors of the truck, it is likely that they can’t. Avoid standing in the blind spots of a truck, which can be found on both sides, behind and in front.

Pass Quickly and Safely: If you have to pass a vehicle, pass it on the left and as quickly as possible. Avoid lingering near a truck, where you could be invisible to the driver.

Allow Trucks More Space: Due to their size and weight trucks require more space for maneuvering. Avoid cutting off trucks, especially when merging or changing lanes. Remember that their stopping distance will be much greater than that of a passenger vehicle.

Expect Wide Turns: Large trucks need more space when making turns, particularly right turns. Never try to squeeze by a truck initiating a right turn. You should be extra vigilant when driving in areas with tight turns, such as those found in older Pennsylvanian towns and cities.

Use clear signals: Give truck drivers ample time to react by using your turn signals.

Stay Focused : Eliminate distractions at all times behind the wheel. This is particularly important when driving near trucks. An inattention could lead to serious consequences.

What Should I Do if I’m in a Truck Accident

A truck accident can be a stressful and frightening experience. It is important to know what to do after a truck accident to protect your rights. Here is a step-by-step guide.

Information Exchange: Get the following information from the driver of the truck:

• Name and contact details
• Number of the driver’s licence
• Trucking company name
• Information about the insurance company and its policy
• Number of the truck license plate

Gather evidence: Take these steps if you are physically able:

• Take photos of the accident scene including any damage to the vehicle or truck and road signs, skidmarks, debris, etc.
• Note the date, time, and location of the accident.
• Identify and contact any witnesses.

Seek medical attention: Get a medical evaluation as soon as possible, even if it doesn’t seem like an injury. Some injuries like whiplash and internal bleeding may not show symptoms immediately.

Consult an Experienced Attorney: Cases involving truck accidents are complex because multiple parties are involved, and they often involve specialized regulations. A Pennsylvania truck accident lawyer can:

• Protect your legal rights
• Build a strong case
• Negotiate with Insurance Companies
• You deserve to be compensated fairly.

You can feel in control of your driving in Pennsylvania by knowing what to do in the event of a truck accident. You can reduce your risk of becoming a statistic by understanding the risks and respecting the limits of large trucks. If the worst happens, you can protect yourself and your rights by knowing what to do.

Understanding why we do what we do, what motivates and drives us, or frightens and repels us can help us live more successful lives. Understanding your “Money Personality” can help you reach your financial goals more easily and with fewer impediments.

Here are some of the traits that make up your “Money Personality”. Read on and see where you think you fit.

Money Worship

Does money solve your problems and always make life better? You may be a money worshipper. While having enough money can make life easier, expecting it to solve every problem can create brand new problems like overspending or racking up credit card debt.

So, what can you do if you think money worship is too big an influence for you? Talk with a Canopy Financial Coach about creating a budget and a strategy for paying off excessive credit card debts.

Money Avoidance

Is money the root of all evil? Do you feel like you just don’t deserve more? Money Avoiders may ignore their finances, avoid thinking about money, and even give money away money in order not to be burdened by it.

If money avoidance is causing problems in your life, talk to Canopy Member Advocate about setting up automatic transfers and payments for retirement plan contributions, savings, loan payments, and more. You won’t have to think about your money as much and you’ll avoid getting behind on payments or running short on cash.

Money Vigilance

A penny saved is a penny earned, right? But some who are too vigilant can be secretive about their money and uncomfortable discussing finances with others. That can be a problem.

If you’re uncomfortable talking to family or friends but still have money questions, reach out to one of our financial coaches for advice. It’s confidential, valuable, and it’s free.

Money Status

Do you believe self-worth equals net worth? Do you think people with money are intrinsically superior or more worthy of high status. While that may motivate you to become more successful and earn more, it might also tempt you to make risky financial decisions or buy expensive, high-status items.

If you’re worried concerns about your money status may be leading you to make unwise decisions, make a rule that you’ll always take a few days to consider something before you pull the trigger and create and stick to a budget to avoid overspending.

Interested in knowing more about your “money personality”? Click the link below.

Canopy Credit Union | Your Money Personality

What is Sedation Dentistry?

Sedation dentistry is a moderate type of sedation to keep you comfortable during dental procedures. Also known as conscious sedation, you are awake but relaxed and insensitive to pain. Sedation dentistry benefits children and those with dental anxiety, sensitive teeth, and more.

Types of Sedation Dentistry

Each type of sedation is given by a dentist or dental anesthesiologist certified to administer it. Your dentist will recommend the kind that is best for your dental needs. In most types, you’ll be advised not to eat or drink for six hours before the procedure.

Nitrous Oxide

• Procedure: You inhale nitrous oxide through a mask. Also known as “laughing gas, ” it can take effect within 5 minutes. Throughout the process, your dentist will adjust the dosages accordingly.
• Recovery time: As soon as your dentist has you inhale pure oxygen through a mask, your body will flush the laughing gas out of your system in 15-30 minutes.

Sedation through Oral Medication

• Procedure: You’ll be given a sedative you can take as a pill or other medicine. For children, liquid medicine is easier to swallow.
• Recovery time: It may take 24 hours of full recovery. Having a trusted person drive you home after your dental appointment is recommended.

Intravenous Sedation

• Procedure: The sedative is delivered through an IV line and into your bloodstream. Throughout the procedure, your dentist will monitor your heart rate, blood pressure, and other vital signs. The dosage is adjusted accordingly.
• Recovery time: It may take 24 hours of full recovery. Having a trusted person drive you home after your dental appointment is recommended.

Are You Awake During Dental Sedation?

You are awake during dental sedation unless general anesthesia is also recommended. With all the types of conscious sedation mentioned above, you are groggy but conscious and able to follow instructions. With general anesthesia, you are fully unconscious. General anesthesia is recommended for more complex dental procedures. 

Can You Feel Pain During Sedation Dentistry?

Due to sedation dentistry’s relaxing and groggy effect, you will not feel pain during the dental procedure. At the same time, your dentist will still administer local anesthesia after you are sedated to numb your teeth and gums. 

We’re Here to Help You

If you find it difficult to relax during your procedure, we are here to help. At Bellevue Dentist, Dr. Don Jayne is certified in sedation dentistry and is here to help you achieve healthy teeth at your comfort. Schedule an appointment today for your first step in your journey.

Bellevue Dentist | Sedation Dentistry

A commercial lease agreement allows a business to rent a commercial property from a landlord and is significantly different from residential leases. Having a guide to negotiating commercial leases and how to negotiate leasing office space is invaluable as there are many costly mistakes that can be made, as well as missed opportunities with lease agreement terms. 

Read below and discover how to navigate a commercial lease and secure the right property for your business.

Define the Commercial Space You Want to Lease

Before looking for commercial real estate, you need to define the parameters of the building or space you want and need. Having a list of qualities such as budget, office space size, must-have amenities, accessibility, and security can help limit your search for commercial real estate to lease. 

Accessibility, for example, is important to consider, whether customers will be coming to the property or not, as it’s important that your employees can get there as well. Consider the foot traffic, what kind of neighboring businesses are around, parking space, and proximity to public transportation. 

How is the Commercial Real Estate Zoned?

Commercial zoning is important to consider as different buildings fall within different uses. For example, a warehouse and office space are both considered commercial property but will be zoned for different types of businesses. The type of zoning dictates what type of business can make use of the commercial space and is typically local jurisdiction.

When choosing where to look for commercial spaces, check with your local chamber of commerce or zoning regulations based on ZIP code. This will help you narrow your search even further so you can focus on which commercial lease to look into. 

Types of Commercial Leases

Once you’ve narrowed down what a commercial building must have, your budget, and where zoning permits you to do business, you can look at the commercial leases offered by the different properties. It’s important to consider what type of commercial lease is appropriate for your business needs as well as the details of each lease. There are three primary types of commercial real estate leases:
 

Full-Service Lease

This is the most common type of commercial lease and usually with office space. Essentially, the landlord is responsible for the expenses of the property like taxes, insurance, maintenance, janitorial services, and utilities. There are no hidden costs and enables businesses to accurately budget for their monthly and annual lease payments.
 

Net Lease

A net lease agreement is typically cheaper in annual rent, but can also include monthly “usual costs, ” such as property insurance, taxes, and common area maintenance items. These leases can be single, double, or triple net:

• Single: the tenant pays rent plus a pro-rata share of the building’s property taxes
• Double net: the tenant pays a portion of the property insurance on top of rent and property taxes
• Triple net: the tenant pays the pro-rata share of property taxes, property insurance, and common area maintenance items. These are more common with restaurant and retail commercial spaces. 
   

Modified Gross Lease

This type of lease is a mix of full-service and the net lease. For example, a commercial tenant might pay for their portion of the property taxes, insurance, and common area maintenance items, but in a lump sum along with the rent. The benefit here is that the rent is fixed without any hidden costs or sudden expenses. The utilities and janitorial services are covered by the landlord and if the taxes, insurance, or common area maintenance items increases the rent still stays the same. 

Find a Broker to Facilitate the Commercial Lease

Commercial real estate leasing can be intricate and costly when mistakes are made or to get out of, if you’re able to at all. It’s important to have a commercial real estate agent or a tenant broker to help guide you through the process and go over the leases for the building or office space with you. Here at Goodale & Barbieri, we provide tenant representation to help our clients secure the right commercial space for their business. As one of the largest developers, property managers, and a leading real estate firm, we understand what to look for with tenants and the nuances of negotiating a lease, as well as the market. Since 1937 we’ve handled properties of all sorts and currently have over 4 million square feet of commercial property. Discover more about working with experienced experts by following the link below.

Goodale & Barbieri | Leasing Guide

Unveiling Valencia’s Vibrant Nightlife Scene

Situated on the southeastern coast of Spain, the thriving city of Valencia boasts a night scene that can rival other well-known metropolitan centers. Known for its timeless elegance, buzzing energy, and varied entertainment, Valencia’s nighttime activities keep an ever-raging tempo. From the best nightclubs in Valencia that bedazzle visitors with their electrifying music, to the warm, lively bars filled with local residents – Valencia has something to offer every type of night owl. For more bars in Valencia visit the www.travelmedia.biz/best-nightclubs-in-valencia article.

One can find the best nightclubs in Valencia clustered along Avenida de Aragón, Calle Juan Llorens, and the booming district of Ruzafa. These clubs burst with vibrant energy as clubbers indulge in the latest tracks spun by renowned DJs, a plethora of drink choices, and the exhilarating panorama of cutting-edge light shows. So whether you’re in the mood for pulsating electronic beats, simmering Latin rhythms, or a serene jazz session, Valencia’s nightlife isn’t shy about delivering these experiences in spades.

Must-Visit Clubs for Music Lovers

Valencia is a city renowned for its dynamic nightlife, offering a myriad of entertainment options to cater to a wide range of tastes. But for the aficionados of music, this Spanish city possesses an especially captivating allure. The city’s music scene is remarkable, boasting a range of clubs that feature an eclectic mix of local and international talents every night.  

For the ardent music lovers, embarking on a quest to explore the best wine bars in Valencia can be an exhilarating journey. A world of vibrant rhythms and unmatched energy awaits in the locales like ‘Radio City’, which houses live music every night, ranging from Flamenco to Reggae, and ‘Wah Wah’, a haven for lovers of alternative and Indie Rock music. Valencia provides an indulgent feast for the senses, promising an unforgettable night of music and dance to its visitors.

Valencia’s Top Electronic Music Venues

Immersing oneself in Valencia’s nightlife is an experience steeped in electronic soundscapes. The city’s lively spirit lights up even brighter upon nightfall, transforming it into a melodic paradise for electro-music enthusiasts. The pulsating beats and rhythmic vibrations seem to broadcast from every corner, provoking an irresistible urge to dance as they waft through Valencia’s illuminated streets. With its exceptional variety of electronic music venues, Valencia invites everyone to join its buzzing nightlife symphony.

La3 Club, situated in the heart of Valencia, is a beacon for electronic music mavens. This triple-floored nightclub vibrates with an eclectic mix of beats from techno to electro-pop. Bring an appetite for diverse, global sounds to enjoy Radio City, pushing the envelope of a conventional club for over three decades. It’s renowned for accompanying its daring mix of electronica with live performances from international artists. Play Club, decked with state-of-the-art sound systems and enveloping neon lights, transports its attendees into a realm of trance and house music bliss. These are just a few samples of Valencia’s vibrant electronic music scene.

Experience Latin Rhythm at these Valencia Nightclubs

In the heart of Valencia, you can find numerous nightclubs pulsating with the rhythms of Latin music. Flamenco beats dance in collision with the strumming of Spanish guitars, creating an environment that is both lively and mystic. Nightclubs such as Radio City and Loco Club are popular havens for Latin music enthusiasts, offering a no-holds-barred immersion into the vibrant culture of Valencia.

Radio City, nestled in Barrio Carmen, offers an unforgettable night of enjoying different styles of Latin music from flamenco to salsa, while the atmosphere of Loco club takes you on a journey through the diverse avenues of Latin tunes from pop to rock. Whether you are a seasoned dancer or a curious tourist eager to experience Latin rhythm in Valencia, these nightclubs promise an unforgettable night of pure and unadulterated Latin festivity. Uncover the cultural depths of Valencia in the best way possible- through music and dance.

Upscale Nightclubs for Luxury Night Out in Valencia

Valencia, a vibrant city that never sleeps, offers a selection of upscale nightclubs for those seeking a luxurious night out. These clubs provide an unmatched experience of music, style, and opulence unique to the city. Each has its distinct aura, blending modern design with classic elegance that encapsulates the city’s rich cultural heritage. Moreover, they deliver high-end service encapsulating the true definition of luxury, from VIP areas with lavish decor to excellent mixologists crafting exclusive cocktails. 

Choosing to explore the upscale nightclubs in Valencia can expose you to another level of world-class service. Among these prestigious establishments, traditional styles are stylishly intertwined with modern aesthetics, creating the ideal ambiance for a luxury outing. Indulging in the elite experience these clubs provide, guests can luxuriate in the soothing rhythm of live music, comfort of lush furnishings, and striking views of Valencia’s skyline. Therefore, if luxury and sophistication are what you’re after, Valencia’s upscale nightclubs certainly deliver.

Garage doors are a crucial part of our homes,providing security,comfort,as well as security from the elements. Nevertheless,like all mechanical devices,garage doors can experience wear and tear in time,causing breakdowns and also malfunctions. When your garage door stops working properly,it can be discouraging and stressful,and also you might wonder what to do. Thankfully,M.G.A Garage Door Repair Houston TX can help you get your door up and running once again. In this blog post,we’ll cover all the various parts of garage door repair services to help you recognize what to anticipate.

Critical Role that Garage Door Springs Play

Among the most critical parts of a garage door is the springs. The garage door springs counterbalance the weight of the door,making it simple to open and also shut. When the springtimes break,the garage door will not open up or shut effectively,and also it can even become dangerous to run. If you discover any kind of indications of spring damage,such as the door opening or closing as well promptly or slowly or making uncommon sounds,it’s important to speak to their website service right away. They will certainly replace the damaged springtimes to recover the door’s feature,guaranteeing your safety and security as well as benefit.

Frequently Used Garage Door Opener 

The garage door opener is the motorized device that opens up as well as closes the garage door. It is among the most crucial parts of your garage door,and if it’s malfunctioning,the garage door might not open or shut properly. A garage door repair specialist can identify the concern with the opener and make necessary repairs or change it completely if it’s beyond repair. They can likewise advise you on the very best type of opener for your garage door,based on elements such as door dimension,weight,and also frequency of use.

Garage Door Tracks Issue

Garage door tracks overview the door as it opens as well as shuts. In time,the tracks can end up being misaligned or damaged,creating the door to obtain stuck or run poorly. This can likewise result in premature deterioration on various other parts of the door,such as the springtimes and also rollers. A expert can straighten the garage door tracks or change them if essential,guaranteeing that the door operates smoothly as well as efficiently.

Wear and Tear of Garage Door Panels

Garage door panels can become harmed from wear and tear or from accidents,such as backing right into the door with your cars and truck. If a panel is nicked or damaged,it can influence the door’s appearance as well as feature,making it less protected and also much less energy-efficient. A garage door repair business can replace the broken panel to recover the door’s appearance as well as feature,ensuring that your garage stays protected and well-insulated.

Garage Door Service

Routine maintenance of your garage door is vital to maintain it working appropriately and also prevent expensive repairs. Garage door repair services use upkeep services that involve cleaning,lubricating,and also adjusting different parts of the door to make certain that every little thing is working correctly.

During maintenance,the professional will certainly inspect your garage door thoroughly and also recognize any kind of damaged components that need to be changed. They will also inspect the garage door opener’s safety and security attributes,test the balance of the door,as well as make any type of required adjustments to maintain whatever in good working order. Normal maintenance not only extends the life-span of your garage door yet additionally ensures that it operates smoothly as well as quietly,making it more convenient for you to use.

Final thought

In conclusion,garage door repair services use a variety of services that are vital for maintaining the performance as well as safety and security of your garage door. Whether it’s changing climate removing,repairing broken springs,or replacing damaged panels,a garage door expert can deal with all the various parts of your garage door to maintain it in ideal condition. Normal upkeep by an expert can additionally protect against issues from emerging as well as make certain that your garage door runs efficiently for many years ahead. Consequently,if you’re experiencing any issues with your garage door,it’s vital to speak to a garage door repair service asap to stay clear of any kind of additional damages.

M.G.A Garage Door Repair Houston TX 
Phone: (713) 936-2255 
Website: garagedoors-houstontx.com