More Mormons are turning to LDS dating sites and apps to find their spouses

Mormons are brought up with the idea that marriage is the ultimate goal of their lives. Even though they lead quite traditional lifestyles, lately more young Mormons turn to LDS dating sites and apps to find their potential spouses.

The main reasons are that many of them find it difficult to meet their future life partners in their own church temples. A lot of young Mormons find themselves having to fly throughout the country and to different towns in order to attend different church congregations looking for love and partnership.

As the world is becoming more dependent on social media and dating sites and apps, Mormons too are turning to these modern means to socialize and find a marital partner.

The belief that marrying another member of the Mormon faith as a union inside a church temple is key for the salvation in the highest level of heaven has made young Mormons desperate to find suitable partners. This though is not as easy as it sounds, especially in small towns and church congregations, despite the efforts of the leaders to organize as many social events and single wards where single members of the church can meet and get to know each other as possible.

Naturally, since most of the popular dating apps and sites are for people looking for having some fun and possibly sex, and not necessarily seeking a life partner, Mormons find it difficult to get proper matches at platforms such as Tinder or Snapchat due to the condemnation of premarital sexual relationships for people of this faith.

Now, thanks to the development of specialized LDS dating sites and mobile apps, more young Mormons are finding their partners without needing to travel around the country and the world to find them.

Specialized dating websites such as TrueLDS are addressing the Mormon idea of continuing the lineage, as well helping the Mormon youth face and address the anxieties of cultural and family pressure and their personal desire to find the perfect partner whom to marry within their faith.

So, websites and apps like this one are an absolute answer to all the prayers which young and frustrated Mormons are turning to in hope of finding somebody to share their lives with.

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Finding the Best Deals on Free Classifieds Ads Site in UK

The placing of free classified ads online is concerned with buying and selling of a wide variety of products. Now, those who see vast potential on the Internet, have taken to this medium alone as they realize it gives them a wider canvas in terms of markets. And with a free classified ads provision, advertisers benefit more because now not only are the listings are free, but accessible and economical too.

If you wish to buy and sell products by placing or responding to free UK classified ads online, you stand to gain as there are many websites you can approach who are in this business, thus giving you a wider reach. This makes business products, computers and related accessories, among others.

Now, with the help of free UK classifieds ads, no longer do people have to leave the comfort of their homes to go out and buy or sell the products they want. Online, not only do you get a vast collection of products to choose from, but you can also choose them without any discomfort of crowds at a shop or obtrusive salesmen breathing down your neck.

You can find just about everything you ever want to buy on these free classified UK ads sites. And for each product, you can have as close a look as you would if you were in a shop. Check out its unique features and product specifications and read reviews by users of your chosen product.

Often, readers alert you to things you would not think of, so it’s well worth reading reviews before buying the product you set your heart on. When considering buying online, look for a good and comprehensive description of the product and see high-resolution pictures of it.

If you’re looking for commercial products, they too can be found in the listings of free classified ads. And if you’re trying to sell your product, once again the Internet is the best marketplace for you as it gives you a really wide customer base than you could ever hope to get offline. If, as a seller, you are unable to get a suitable buyer offline, all you need to do is to post free classified ads and you’re sure to get several genuine buyers for your product.

One more advantage for you to buy and sell online with free classifieds is that it becomes easier for your buyers to compare products according to demand, price, features, upgradeability, etc. Besides, sometimes websites offer really good deals and discounts on their products which make it more value for a buyer’s money. So, any way you look at it, there’s a host of benefits in it for you, whether you’re a buyer or a seller.

Learn how to travel, fun, easy and without breaking the bank

Do you keep envying the Instagram influencers you are following about their adventures and pictures of beautiful and exotic destinations? No need to be jealous here, you don’t need to be a millionaire to be able to travel to amazing destinations too.

Here are some tips on how to travel easily without breaking the bank

Seek for budget destinations without being too picky

Cheap destinations for backpacking are popular because often times even if the flight is steep your stay there will cost you less than you spend normally at home. You can pick beautiful countries like Nepal, India, Thailand, Vietnam or countries in Latin America, where you can find hostels and lodgings costing you less than you would normally pay for a sandwich and soda back at home.

Also, take the time to look for cheap flights, again without being picky. You can find some surprisingly good deals to places which you never suspected you will visit. Also, plan your visit off of tourist season so that you get better offers for hostels or rooms to stay.

Choose slow travelling

The slower you move on the map, the less expensive your travel will be. The more planes, buses and trains you add to your travel costs – the more money you will need to spend on getting where you are going.

Sometimes choosing a slower train can save you a ton of money which you can spend on much more important or interesting stuff once you get to your destination.

Plus, you will have time to get to know the people, the sites and get a feel of the culture if you spend more time with them.

Embrace light travelling

Only pack the essentials in your backpack. This will help avoid checked luggage fees, and allow you to hop on low cost flights at the best price. Also, a single backpack is much easier to stuff under the seat of a bus or in a train. Also, travelling light makes logistics much easier and will allow you to travel more without the burden of carrying huge suitcases.

So, get that backpack ready and start searching for that exotic destination you have always wanted to visit, but have never dared to because of the money involved! See more on WonderBackpack!

Find out how and why you should buy workers comp online

Since, under local laws, nearly all working Californians are protected by workers compensation benefits it is essential that both the employees and the employers have an idea of how the workers’ compensation insurance works and where to buy workers compensation in California.

All big and small business owners are responsible for keeping their employees safe. Even with all safety training and precautions, accidents can happen and someone can get ill.

This is when the workers’ compensation insurance steps in. It should cover the medical costs, as well as lost wages during recovery and physical therapy.

The workers compensation insurance protects both the employees cover any medical costs for work-related injuries or illnesses and their losses due to sick leave or compensation from suffering permanent damage, as well as the employers from costly lawsuits.

Some of the most common claims for compensation are for car accidents while working, for accidents on the worksite, for repetitive stress injuries, for psychological stress as well as for permanent disabilities and fatalities at work. Rehabilitation and retraining programs can also be covered by the workers compensation insurance.

An experienced insurance center should be able to help with a timely response to any injury claims and give you the best price for the workers’ compensation insurance combined with the superb quality of the services provided.

After all, you don’t want to be directed to endless voicemail answers to any urgent claims, right?

Find a service which will ensure that your claims are properly managed and processed, and who accept and provide flexible payment methods including buying the workers comp online, suitable for your business or your personal needs.

The best choice is to find a company which can provide you with medical providers and has experienced personnel to guide you through any questions or claims you may have.

Also, you may want to find an insurance service which cannot only buy workers comp California but also be able to give you free and reliable lessons and other tips on safety and health to reduce the risk of injuries and health problems on the job.

One of the top preferred Connect Insurance Centers is a San Diego-based workers compensation insurance agency serving the workers comp insurance needs of California small business owners.

It is worthwhile investing in a reliable partner who will ensure that both the employee’s and the employers’ interests are covered when an accident or illness occurs among the workers.

This is why you should find a reputable and licensed company to handle your workers compensation insurance if you want you and your employees to feel safe and protected at all times.

Quickly estimate how much you can afford for a house right now

The three basic ways to make a rough estimation of how much you can spend on buying a new home are:

  1. Pick a total payment which is close or equal to what you are currently paying for rent
  2. Set the maximum price of the house to three times the annual income of the family members
  3. Pick a payment which is not bigger than 1/3 of your before-tax income

Of course, these simple methods of determining the price you can pay for a home are very rough, so if you want a more precise answer to this important question you can use this useful and accurate online mortgage calculator ( www.mortgagecalculatorplus.com ).

While the rough estimates are relatively easy to determine, there are some guidelines which will help you more realistic calculations to see what is affordable and what is not.

Here is how to make more precise estimates on how much you can spend on buying a home right now.

Look at your DTI (debt-to-income ratio)

This is used by lenders to determine how much you can afford. It compares all the recurring monthly debt payments you have with your gross income for the month. If you have a monthly income of $6,000 and you plan on spending $2,000 for your monthly house payments as well as for all other ongoing debts, this means that your DTI is 33%.

Front-end ratio and back-end ratio estimates

The front-end ratio compares the housing costs with your gross monthly income before tax. In other words, the front-end ratio equals the future housing cost divided by the monthly income before tax.

The housing costs include the mortgage principal and interest as well as property taxes and insurance and any HOA dues.

The back-end ratio is calculated by adding the future housing costs to the other ongoing debt payments such as student debts, credit card payments, car loans, and others.

As a whole, your ratio will be better if you have a higher income and lower ongoing monthly debt payments.

Many lenders use the 31/43 ratios, which means that 31% of your monthly income can be for the house payments and a total of 43% can go for the house and your other monthly debt payments.

If your gross monthly income is $6,000, 435 of that is about $2,600 which is the maximum you can spend for paying for the house as well as making your other debt payments.

Given that according to this example the housing cost is $1,600, the remaining $1,000 is for all other debts including student loans, cars, credit cards and others.

In conclusion, it is crucial that you carefully look into your monthly debt payments and figure out ways to reduce them or if possible eliminate them before you start looking for a house to buy.

The basics of US immigration laws – what you need to know

The US Immigration Law is a very complex one and there is quite a lot of confusion on how it works exactly. The annual worldwide limit of permanent immigrants is 675,000 according to the Immigration and Naturalization Act. Lawful permanent residency (LPR) allows the foreign holder to live and work lawfully and permanently in the US. LPRs can apply for almost all jobs which do not explicitly require the person to be a US citizen.

Immigration to the US is based on the following main principles: family reunification, refugee protection, admitting foreigners who have skills which are valuable to the economy and for promoting diversity.

Family-based immigration

The unification of families is an essential principle in the immigration policy of the US. It allows LPRs and US citizens to bring some of their family members to the US. The family-based immigrants can be the spouses, unmarried minor children and parents of US citizens. There are possibilities for family members such as adult children or spouses and unmarried children of LPRs to be allowed to come live in the US. The system for calculating the number of preference visas per year is quite complicated and was established by US Congress. The number of total families-based visas issued per year is often more than 480,000. The US citizen or LPR needs to provide evidence of the legitimacy of the relationship as well as meet the minimum income requirements and sign an affirmation of support declaring they will be financially responsible for the newly arrived relative.

Employment-based immigration

There are various ways for foreigners with valuable skills to come to the US on a temporary or permanent basis. There is a wide variety of temporary employment-based visas including L-1 for employees on intracompany transfers, P-visas for entertainers, athletes and performers, R-visas for religious employees, A-visas for diplomats. O-visas are issued for people with extraordinary ability and H-visas for highly and lesser skilled workers.

The terms and restrictions of the different temporary work visas are all different but in most cases, the person must leave the country once the visa expires or their job position is terminated.

Permanent immigration

EB-5 visas are given to aliens who are willing to invest 500,000 dollars and to create at least 10 jobs in the US. The total number of permanent employment-based immigrants per year is 140,000 plus their dependents

Ceilings per country

The INA has placed limits on the number of immigrants from each country which can come to the US per year. The number of immigrants per country cannot exceed 7% of all the immigrants to the US for a year. This is done to ensure diversity and so that no immigrant group dominates.

Since the immigration laws and regulations are quite complicated, it is highly advisable that people interested in immigrating or getting a temporary visa to the US, use the services of an experienced agency or US immigration law firm, so that all the details are taken care of and so that the visit or permanent moving to the US can be done successfully and legally.

Local Search Engine Optimization tips and ideas to help boost your business

Local Search Optimization (SEO) aims for increasing the search visibility of a business which serves its customers on a personal basis, such as a local plumber, auto mechanic or cleaning service.

The idea is to enhance the ranking of the website of the company to the top results when somebody is performing a local based online search.

Local SEO includes the optimization of both the on-site and off-site strategies. For businesses and services with a lot of competition in the city or area, local SEO could be decisive for the success of their business.

Here are some ideas for helping your business ranking score better at local-based internet searches

  1. The title and the meta description tags are important

These are HTML elements which you can customize in order to better reflect the content of your webpage or the main services you provide. These appear as the short summaries during an internet search and are what your potential customers will be looking at before choosing to actually visit your website. They are like mini ads, so make sure that you take the time to get them right so that they can attract more clicks and possibly customers for your business. Use targeted keywords and remember that every character counts.

  1. Online reviews do count

Online reviews are becoming increasingly important for customers especially when it comes to local internet searches. This is why you should proactively try to get more of your satisfied customers to write reviews on your website, your Facebook page, or on your Google business page, as well as on Yelp and other similar online directories. You can use TinyTorch or Hootsuite to get alerts every time your brand is reviewed or mentioned. You should also always respond to a review written by a customer – regardless of whether it is positive or not.

  1. Online directories

Make sure that your company is correctly listed on all leading online business directories, such as Google My Business, Bing Places for Business, Yelp, Citysearch, Merchant Circle and others. Look at other locally based reputable business directories, the local chamber of commerce and newspaper and if they have directories – register there too.

  1. Hire a professional local SEO service

If you want to make sure that your company comes up first or among the first several results when customers are performing locally based internet searches for the services or products you provide, you should consider investing in an experienced Local SEO agency Toronto, or wherever your business is located. A professional service will help you quickly increase the ranking of your webpage and help boost your business by making your company known to more people in your city or area.