VOTING POWER100.00%
DOWNVOTE POWER100.00%
RESOURCE CREDITS100.00%
REPUTATION PROGRESS9.39%
Net Worth
0.402USD
STEEM
5.528STEEM
SBD
0.092SBD
Effective Power
5.008SP
├── Own SP
0.633SP
└── Incoming DelegationsDeleg
+4.375SP
Detailed Balance
| STEEM | ||
| balance | 0.002STEEM | STEEM |
| market_balance | 0.000STEEM | STEEM |
| savings_balance | 0.000STEEM | STEEM |
| reward_steem_balance | 5.526STEEM | STEEM |
| STEEM POWER | ||
| Own SP | 0.633SP | SP |
| Delegated Out | 0.000SP | SP |
| Delegation In | 4.375SP | SP |
| Effective Power | 5.008SP | SP |
| Reward SP (pending) | 5.627SP | SP |
| SBD | ||
| sbd_balance | 0.000SBD | SBD |
| sbd_conversions | 0.000SBD | SBD |
| sbd_market_balance | 0.000SBD | SBD |
| savings_sbd_balance | 0.000SBD | SBD |
| reward_sbd_balance | 0.092SBD | SBD |
{
"balance": "0.002 STEEM",
"savings_balance": "0.000 STEEM",
"reward_steem_balance": "5.526 STEEM",
"vesting_shares": "1029.618682 VESTS",
"delegated_vesting_shares": "0.000000 VESTS",
"received_vesting_shares": "7114.041124 VESTS",
"sbd_balance": "0.000 SBD",
"savings_sbd_balance": "0.000 SBD",
"reward_sbd_balance": "0.092 SBD",
"conversions": []
}Account Info
| name | sam-mcmaster |
| id | 386677 |
| rank | 871,930 |
| reputation | 220679314283 |
| created | 2017-09-26T19:51:27 |
| recovery_account | steem |
| proxy | None |
| post_count | 9 |
| comment_count | 0 |
| lifetime_vote_count | 0 |
| witnesses_voted_for | 0 |
| last_post | 2020-05-15T18:52:48 |
| last_root_post | 2020-05-15T18:52:48 |
| last_vote_time | 2017-10-23T21:04:00 |
| proxied_vsf_votes | 0, 0, 0, 0 |
| can_vote | 1 |
| voting_power | 0 |
| delayed_votes | 0 |
| balance | 0.002 STEEM |
| savings_balance | 0.000 STEEM |
| sbd_balance | 0.000 SBD |
| savings_sbd_balance | 0.000 SBD |
| vesting_shares | 1029.618682 VESTS |
| delegated_vesting_shares | 0.000000 VESTS |
| received_vesting_shares | 7114.041124 VESTS |
| reward_vesting_balance | 11138.662099 VESTS |
| vesting_balance | 0.000 STEEM |
| vesting_withdraw_rate | 0.000000 VESTS |
| next_vesting_withdrawal | 1969-12-31T23:59:59 |
| withdrawn | 0 |
| to_withdraw | 0 |
| withdraw_routes | 0 |
| savings_withdraw_requests | 0 |
| last_account_recovery | 1970-01-01T00:00:00 |
| reset_account | null |
| last_owner_update | 2020-06-10T21:47:57 |
| last_account_update | 2020-06-10T21:47:57 |
| mined | No |
| sbd_seconds | 0 |
| sbd_last_interest_payment | 1970-01-01T00:00:00 |
| savings_sbd_last_interest_payment | 1970-01-01T00:00:00 |
{
"id": 386677,
"name": "sam-mcmaster",
"owner": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM6K7ehNnmfc1eXYh7JMt9yna9H8arvcNyLCJ1iewcTDCr6dX6DK",
1
]
]
},
"active": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM5in3WuQrxcw5sDTpTR3kCXLmaijAVMKZY5gb3ryWyCqScUGvYL",
1
]
]
},
"posting": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM67V6kUtkDePcdYMTF5hRkaHyvPHetaUAQRjRZJaRUdfibACihY",
1
]
]
},
"memo_key": "STM8GtV5RFe8fAe7PxxuMwC2LqXTkfSEYfmqP944sm1t6t5iuHv7V",
"json_metadata": "{\"profile\":{\"name\":\"Sam McMaster\",\"about\":\"Techie Blogger and Nature Lover\",\"profile_image\":\"https://www.google.ca/search?q=trees&rlz=1C5CHFA_enCA733CA739&source=lnms&tbm=isch&sa=X&ved=0ahUKEwibuo_iwsjWAhVU2WMKHcUQAssQ_AUICigB&biw=2314&bih=1185&dpr=2#imgrc=u1YywY6LO8090M:\"}}",
"posting_json_metadata": "{\"profile\":{\"name\":\"Sam McMaster\",\"about\":\"Techie Blogger and Nature Lover\",\"profile_image\":\"https://www.google.ca/search?q=trees&rlz=1C5CHFA_enCA733CA739&source=lnms&tbm=isch&sa=X&ved=0ahUKEwibuo_iwsjWAhVU2WMKHcUQAssQ_AUICigB&biw=2314&bih=1185&dpr=2#imgrc=u1YywY6LO8090M:\"}}",
"proxy": "",
"last_owner_update": "2020-06-10T21:47:57",
"last_account_update": "2020-06-10T21:47:57",
"created": "2017-09-26T19:51:27",
"mined": false,
"recovery_account": "steem",
"last_account_recovery": "1970-01-01T00:00:00",
"reset_account": "null",
"comment_count": 0,
"lifetime_vote_count": 0,
"post_count": 9,
"can_vote": true,
"voting_manabar": {
"current_mana": "8143659806",
"last_update_time": 1779084306
},
"downvote_manabar": {
"current_mana": 2035914951,
"last_update_time": 1779084306
},
"voting_power": 0,
"balance": "0.002 STEEM",
"savings_balance": "0.000 STEEM",
"sbd_balance": "0.000 SBD",
"sbd_seconds": "0",
"sbd_seconds_last_update": "1970-01-01T00:00:00",
"sbd_last_interest_payment": "1970-01-01T00:00:00",
"savings_sbd_balance": "0.000 SBD",
"savings_sbd_seconds": "0",
"savings_sbd_seconds_last_update": "1970-01-01T00:00:00",
"savings_sbd_last_interest_payment": "1970-01-01T00:00:00",
"savings_withdraw_requests": 0,
"reward_sbd_balance": "0.092 SBD",
"reward_steem_balance": "5.526 STEEM",
"reward_vesting_balance": "11138.662099 VESTS",
"reward_vesting_steem": "5.627 STEEM",
"vesting_shares": "1029.618682 VESTS",
"delegated_vesting_shares": "0.000000 VESTS",
"received_vesting_shares": "7114.041124 VESTS",
"vesting_withdraw_rate": "0.000000 VESTS",
"next_vesting_withdrawal": "1969-12-31T23:59:59",
"withdrawn": 0,
"to_withdraw": 0,
"withdraw_routes": 0,
"curation_rewards": 0,
"posting_rewards": 11252,
"proxied_vsf_votes": [
0,
0,
0,
0
],
"witnesses_voted_for": 0,
"last_post": "2020-05-15T18:52:48",
"last_root_post": "2020-05-15T18:52:48",
"last_vote_time": "2017-10-23T21:04:00",
"post_bandwidth": 0,
"pending_claimed_accounts": 0,
"vesting_balance": "0.000 STEEM",
"reputation": "220679314283",
"transfer_history": [],
"market_history": [],
"post_history": [],
"vote_history": [],
"other_history": [],
"witness_votes": [],
"tags_usage": [],
"guest_bloggers": [],
"rank": 871930
}Withdraw Routes
| Incoming | Outgoing |
|---|---|
Empty | Empty |
{
"incoming": [],
"outgoing": []
}From Date
To Date
steemdelegated 4.375 SP to @sam-mcmaster2026/05/18 06:05:06
steemdelegated 4.375 SP to @sam-mcmaster
2026/05/18 06:05:06
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 7114.041124 VESTS |
| Transaction Info | Block #106150416/Trx bcf3561dac01217566f8fc8dfcdba270f10ccf67 |
View Raw JSON Data
{
"block": 106150416,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "7114.041124 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2026-05-18T06:05:06",
"trx_id": "bcf3561dac01217566f8fc8dfcdba270f10ccf67",
"trx_in_block": 1,
"virtual_op": 0
}steemdelegated 2.707 SP to @sam-mcmaster2026/05/13 03:32:48
steemdelegated 2.707 SP to @sam-mcmaster
2026/05/13 03:32:48
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 4401.830719 VESTS |
| Transaction Info | Block #106004092/Trx 520f37f8266657908b61ac695710ec8d10f91d6f |
View Raw JSON Data
{
"block": 106004092,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "4401.830719 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2026-05-13T03:32:48",
"trx_id": "520f37f8266657908b61ac695710ec8d10f91d6f",
"trx_in_block": 0,
"virtual_op": 0
}steemdelegated 4.383 SP to @sam-mcmaster2026/04/26 05:17:03
steemdelegated 4.383 SP to @sam-mcmaster
2026/04/26 05:17:03
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 7126.556880 VESTS |
| Transaction Info | Block #105517903/Trx 66a57e41b119576c14f03e189af6aecd061dc71a |
View Raw JSON Data
{
"block": 105517903,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "7126.556880 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2026-04-26T05:17:03",
"trx_id": "66a57e41b119576c14f03e189af6aecd061dc71a",
"trx_in_block": 0,
"virtual_op": 0
}steemdelegated 2.733 SP to @sam-mcmaster2026/01/23 23:29:45
steemdelegated 2.733 SP to @sam-mcmaster
2026/01/23 23:29:45
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 4443.377538 VESTS |
| Transaction Info | Block #102870613/Trx 67123ce1de438a6566e87ef62471344e7e26de4f |
View Raw JSON Data
{
"block": 102870613,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "4443.377538 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2026-01-23T23:29:45",
"trx_id": "67123ce1de438a6566e87ef62471344e7e26de4f",
"trx_in_block": 1,
"virtual_op": 0
}steemdelegated 2.834 SP to @sam-mcmaster2024/12/17 18:40:00
steemdelegated 2.834 SP to @sam-mcmaster
2024/12/17 18:40:00
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 4607.596735 VESTS |
| Transaction Info | Block #91316829/Trx 2159e616f75bf05ed8691188256a4cfcde613e4e |
View Raw JSON Data
{
"block": 91316829,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "4607.596735 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2024-12-17T18:40:00",
"trx_id": "2159e616f75bf05ed8691188256a4cfcde613e4e",
"trx_in_block": 0,
"virtual_op": 0
}steemdelegated 2.938 SP to @sam-mcmaster2023/11/14 10:21:27
steemdelegated 2.938 SP to @sam-mcmaster
2023/11/14 10:21:27
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 4776.730267 VESTS |
| Transaction Info | Block #79870987/Trx f0238da894e5fea3f06e5c98267958b6e7995d48 |
View Raw JSON Data
{
"block": 79870987,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "4776.730267 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2023-11-14T10:21:27",
"trx_id": "f0238da894e5fea3f06e5c98267958b6e7995d48",
"trx_in_block": 0,
"virtual_op": 0
}steemdelegated 4.744 SP to @sam-mcmaster2023/09/22 10:09:27
steemdelegated 4.744 SP to @sam-mcmaster
2023/09/22 10:09:27
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 7713.639053 VESTS |
| Transaction Info | Block #78362585/Trx 720729ab0c8de93890f0867708160ac1df4bc3c1 |
View Raw JSON Data
{
"block": 78362585,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "7713.639053 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2023-09-22T10:09:27",
"trx_id": "720729ab0c8de93890f0867708160ac1df4bc3c1",
"trx_in_block": 6,
"virtual_op": 0
}steemdelegated 4.880 SP to @sam-mcmaster2022/11/03 17:38:36
steemdelegated 4.880 SP to @sam-mcmaster
2022/11/03 17:38:36
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 7935.690491 VESTS |
| Transaction Info | Block #69120356/Trx 6424c2233040c291ee447842b9e1210ccab3f543 |
View Raw JSON Data
{
"block": 69120356,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "7935.690491 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2022-11-03T17:38:36",
"trx_id": "6424c2233040c291ee447842b9e1210ccab3f543",
"trx_in_block": 9,
"virtual_op": 0
}trx-steemsent 0.001 STEEM to @sam-mcmaster- "Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will ..."2022/08/09 20:25:09
trx-steemsent 0.001 STEEM to @sam-mcmaster- "Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will ..."
2022/08/09 20:25:09
| amount | 0.001 STEEM |
| from | trx-steem |
| memo | Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will recieve the market value of tron converted to steem. within seconds. I posted a my results from sending it 100 tron yesterday here -> https://steemit.com/trx/@steemegg/sending-100-trx-to-trx-steem-and-i-got-back-25-203-in-6-seconds |
| to | sam-mcmaster |
| Transaction Info | Block #66662382/Trx 66326068219be860950c9b1ff4675be2c32596a4 |
View Raw JSON Data
{
"block": 66662382,
"op": [
"transfer",
{
"amount": "0.001 STEEM",
"from": "trx-steem",
"memo": "Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will recieve the market value of tron converted to steem. within seconds. I posted a my results from sending it 100 tron yesterday here -> https://steemit.com/trx/@steemegg/sending-100-trx-to-trx-steem-and-i-got-back-25-203-in-6-seconds",
"to": "sam-mcmaster"
}
],
"op_in_trx": 0,
"timestamp": "2022-08-09T20:25:09",
"trx_id": "66326068219be860950c9b1ff4675be2c32596a4",
"trx_in_block": 14,
"virtual_op": 0
}trx-steemsent 0.001 STEEM to @sam-mcmaster- "Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will ..."2022/08/09 20:25:09
trx-steemsent 0.001 STEEM to @sam-mcmaster- "Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will ..."
2022/08/09 20:25:09
| amount | 0.001 STEEM |
| from | trx-steem |
| memo | Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will recieve the market value of tron converted to steem. within seconds. I posted a my results from sending it 100 tron yesterday here -> https://steemit.com/trx/@steemegg/sending-100-trx-to-trx-steem-and-i-got-back-25-203-in-6-seconds |
| to | sam-mcmaster |
| Transaction Info | Block #66662382/Trx 66326068219be860950c9b1ff4675be2c32596a4 |
View Raw JSON Data
{
"block": 66662382,
"op": [
"transfer",
{
"amount": "0.001 STEEM",
"from": "trx-steem",
"memo": "Hello sam-mcmaster, I automate the swapping between trx back to Steem. Just send 15 or more trx to >>> TUep3qrvP4QwqHtoXJjdQ6Q7JRQdyuaJQH | put your Steem username no @ for the memo <<< You will recieve the market value of tron converted to steem. within seconds. I posted a my results from sending it 100 tron yesterday here -> https://steemit.com/trx/@steemegg/sending-100-trx-to-trx-steem-and-i-got-back-25-203-in-6-seconds",
"to": "sam-mcmaster"
}
],
"op_in_trx": 0,
"timestamp": "2022-08-09T20:25:09",
"trx_id": "66326068219be860950c9b1ff4675be2c32596a4",
"trx_in_block": 14,
"virtual_op": 0
}steemdelegated 5.016 SP to @sam-mcmaster2022/01/17 22:51:39
steemdelegated 5.016 SP to @sam-mcmaster
2022/01/17 22:51:39
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 8155.798092 VESTS |
| Transaction Info | Block #60823626/Trx 0300c0c456715cb50257f444ae77e18fdb14ef18 |
View Raw JSON Data
{
"block": 60823626,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "8155.798092 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2022-01-17T22:51:39",
"trx_id": "0300c0c456715cb50257f444ae77e18fdb14ef18",
"trx_in_block": 19,
"virtual_op": 0
}steemdelegated 5.129 SP to @sam-mcmaster2021/06/14 06:03:06
steemdelegated 5.129 SP to @sam-mcmaster
2021/06/14 06:03:06
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 8339.992380 VESTS |
| Transaction Info | Block #54613965/Trx 3e473f4db369f573f96186f1bc842674cfe0431b |
View Raw JSON Data
{
"block": 54613965,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "8339.992380 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2021-06-14T06:03:06",
"trx_id": "3e473f4db369f573f96186f1bc842674cfe0431b",
"trx_in_block": 1,
"virtual_op": 0
}steemdelegated 5.244 SP to @sam-mcmaster2020/12/11 16:15:36
steemdelegated 5.244 SP to @sam-mcmaster
2020/12/11 16:15:36
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 8527.414354 VESTS |
| Transaction Info | Block #49361233/Trx 7807794547102b87ec05f5c6a8820d39a362dbab |
View Raw JSON Data
{
"block": 49361233,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "8527.414354 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2020-12-11T16:15:36",
"trx_id": "7807794547102b87ec05f5c6a8820d39a362dbab",
"trx_in_block": 10,
"virtual_op": 0
}steemdelegated 1.176 SP to @sam-mcmaster2020/12/06 09:51:24
steemdelegated 1.176 SP to @sam-mcmaster
2020/12/06 09:51:24
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 1912.543513 VESTS |
| Transaction Info | Block #49212761/Trx b5565e3d1c19fd2cc6bb358235c10bf19a1ab14d |
View Raw JSON Data
{
"block": 49212761,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "1912.543513 VESTS"
}
],
"op_in_trx": 0,
"timestamp": "2020-12-06T09:51:24",
"trx_id": "b5565e3d1c19fd2cc6bb358235c10bf19a1ab14d",
"trx_in_block": 0,
"virtual_op": 0
}steemdelegated 5.248 SP to @sam-mcmaster2020/12/05 19:53:24
steemdelegated 5.248 SP to @sam-mcmaster
2020/12/05 19:53:24
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 8533.622208 VESTS |
| Transaction Info | Block #49196316/Trx 8ad816d9bfc2cc8f3654772a53155162a78d6c8d |
View Raw JSON Data
{
"block": 49196316,
"op": [
"delegate_vesting_shares",
{
"delegatee": "sam-mcmaster",
"delegator": "steem",
"vesting_shares": "8533.622208 VESTS"
}
],
"op_in_trx": 0,
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}steemdelegated 1.181 SP to @sam-mcmaster2020/11/03 02:18:48
steemdelegated 1.181 SP to @sam-mcmaster
2020/11/03 02:18:48
| delegatee | sam-mcmaster |
| delegator | steem |
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}steemdelegated 5.308 SP to @sam-mcmaster2020/09/10 04:55:39
steemdelegated 5.308 SP to @sam-mcmaster
2020/09/10 04:55:39
| delegatee | sam-mcmaster |
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}steemdelegated 17.581 SP to @sam-mcmaster2020/07/31 10:06:24
steemdelegated 17.581 SP to @sam-mcmaster
2020/07/31 10:06:24
| delegatee | sam-mcmaster |
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}sam-mcmasterpublished a new post: here-s-how-to-regain-control-of-your-finances2020/06/12 14:14:18
sam-mcmasterpublished a new post: here-s-how-to-regain-control-of-your-finances
2020/06/12 14:14:18
| author | sam-mcmaster |
| body | @@ -2514,17 +2514,16 @@ onsider -%5B payday l @@ -2530,16 +2530,17 @@ oans at +%5B GoDay%5D(h |
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sam-mcmasterupdated their account properties
2020/06/10 21:47:57
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}sam-mcmasterpublished a new post: here-s-how-to-regain-control-of-your-finances2020/05/15 18:52:48
sam-mcmasterpublished a new post: here-s-how-to-regain-control-of-your-finances
2020/05/15 18:52:48
| author | sam-mcmaster |
| body | External influences can easily impact our finances; however, that does not mean we are powerless in making the best decisions for our financial situation. As the weather begins to change, so can your outlook on your budget. The term 'spring cleaning' doesn't have to only apply to your closet or garage. There are a host of rewards that come with rearranging your finances as a new season approaches. By taking simple, concrete steps, the road to true financial independence is within reach.  ## Toss Old Habits in The Trash Much like household items or old clothes in your closet, spring cleaning is an opportunity to cleanse and get rid of what no longer serves you. By taking the same approach to your finances, you can reevaluate your spending and find easy ways to cut back on unnecessary costs. Consider cooking more meals at home and cutting down on takeout or delivery. Maybe treat yourself once a month to a takeout dinner to reward yourself for all your careful saving. Making your coffee at home instead of spending a higher markup at your local Starbucks can save you hundreds of dollars a year. [Royal Bank of Canada](https://discover.rbcroyalbank.com/budgeting-your-future-self-will-thank-you/) suggests dividing your money into two categories, "must haves" and "want to haves". This helps identify daily necessities, like taking public transit to work, and splurges, like buying lunch instead of cooking at home. ## Keep Your Credit Card Out of Sight If you can refrain from using your credit card, you'll see how beneficial it will be for your financial health. Credit cards can allow for spending outside your means and can lead to debt if it isn't paid off on time. If you routinely use a credit card for necessary purchases, look for a card that comes with low-interest rates and low or no annual fees. By sticking to your debit card or budgeting your cash, you run less of a risk of relying on your credit cards.  ## Know When to Ask for Help If you're struggling to manage on your own, there are options for short-term relief. Talk to your bank about their lending options. If they're able to help, you can work with an advisor to come up with a plan to ensure you pay back anything owed without falling further behind. If you don't qualify for a traditional bank loan, consider [payday loans at GoDay](https://goday.ca/) as a last-minute alternative. If you simply need advice, this [National Post](https://nationalpost.com/pmn/life-pmn/how-to-find-advice-only-financial-advisers) article provides insight into 'advice-only' financial planners. ## Invest in Your Future Building a healthy financial future should be a key component of your overall budget. Writing down your overall goals will help you prioritize your values. Think about what your financial goals are for the weeks, months, and years ahead and begin to allocate the appropriate funds for each account. Start small if the long-term goals feel overwhelming. Over time you can develop larger goals and put plans in place to meet your financial expectations. |
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| permlink | here-s-how-to-regain-control-of-your-finances |
| title | Here's How to Regain Control of Your Finances |
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"body": "External influences can easily impact our finances; however, that does not mean we are powerless in making the best decisions for our financial situation. As the weather begins to change, so can your outlook on your budget. The term 'spring cleaning' doesn't have to only apply to your closet or garage. There are a host of rewards that come with rearranging your finances as a new season approaches. By taking simple, concrete steps, the road to true financial independence is within reach. \n\n\n\n## Toss Old Habits in The Trash\n\nMuch like household items or old clothes in your closet, spring cleaning is an opportunity to cleanse and get rid of what no longer serves you. By taking the same approach to your finances, you can reevaluate your spending and find easy ways to cut back on unnecessary costs. Consider cooking more meals at home and cutting down on takeout or delivery. Maybe treat yourself once a month to a takeout dinner to reward yourself for all your careful saving. \n\nMaking your coffee at home instead of spending a higher markup at your local Starbucks can save you hundreds of dollars a year. [Royal Bank of Canada](https://discover.rbcroyalbank.com/budgeting-your-future-self-will-thank-you/) suggests dividing your money into two categories, \"must haves\" and \"want to haves\". This helps identify daily necessities, like taking public transit to work, and splurges, like buying lunch instead of cooking at home.\n\n## Keep Your Credit Card Out of Sight \n\nIf you can refrain from using your credit card, you'll see how beneficial it will be for your financial health. Credit cards can allow for spending outside your means and can lead to debt if it isn't paid off on time. If you routinely use a credit card for necessary purchases, look for a card that comes with low-interest rates and low or no annual fees. By sticking to your debit card or budgeting your cash, you run less of a risk of relying on your credit cards.\n\n\n\n\n\n## Know When to Ask for Help\n\nIf you're struggling to manage on your own, there are options for short-term relief. Talk to your bank about their lending options. If they're able to help, you can work with an advisor to come up with a plan to ensure you pay back anything owed without falling further behind. If you don't qualify for a traditional bank loan, consider [payday loans at GoDay](https://goday.ca/) as a last-minute alternative. If you simply need advice, this [National Post](https://nationalpost.com/pmn/life-pmn/how-to-find-advice-only-financial-advisers) article provides insight into 'advice-only' financial planners.\n\n## Invest in Your Future \n\nBuilding a healthy financial future should be a key component of your overall budget. Writing down your overall goals will help you prioritize your values. Think about what your financial goals are for the weeks, months, and years ahead and begin to allocate the appropriate funds for each account. Start small if the long-term goals feel overwhelming. Over time you can develop larger goals and put plans in place to meet your financial expectations.",
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}steemdelegated 17.701 SP to @sam-mcmaster2020/05/09 10:54:18
steemdelegated 17.701 SP to @sam-mcmaster
2020/05/09 10:54:18
| delegatee | sam-mcmaster |
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}steemdelegated 3.287 SP to @sam-mcmaster2020/05/08 15:16:54
steemdelegated 3.287 SP to @sam-mcmaster
2020/05/08 15:16:54
| delegatee | sam-mcmaster |
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}stephanie-hakelupvoted (100.00%) @sam-mcmaster / is-eating-smoked-meat-healthy-for-you2020/03/30 19:45:18
stephanie-hakelupvoted (100.00%) @sam-mcmaster / is-eating-smoked-meat-healthy-for-you
2020/03/30 19:45:18
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}sam-mcmasterpublished a new post: is-eating-smoked-meat-healthy-for-you2020/03/30 17:58:03
sam-mcmasterpublished a new post: is-eating-smoked-meat-healthy-for-you
2020/03/30 17:58:03
| author | sam-mcmaster |
| body | @@ -614,16 +614,17 @@ Cooking +%5B raw meat @@ -667,16 +667,139 @@ ealthier +%5D(https://www.forbes.com/sites/quora/2017/03/20/why-cooked-meat-is-easier-for-humans-to-digest-than-raw-meat/#2e2269a87215) . Intens @@ -1326,16 +1326,17 @@ meals, +%5B Fire Foo @@ -1341,16 +1341,44 @@ ood Chef +%5D(https://firefoodchef.com/) has ton @@ -2737,15 +2737,38 @@ led +%5B Besmoke +%5D(http://besmoke.com/) (sp @@ -2978,16 +2978,17 @@ hier by +%5B reducing @@ -2999,16 +2999,81 @@ cinogens +%5D(https://www.sciencedaily.com/releases/2018/03/180320084409.htm) found i |
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| parent author | |
| parent permlink | cooking |
| permlink | is-eating-smoked-meat-healthy-for-you |
| title | Is Eating Smoked Meat Healthy For You? |
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}sam-mcmasterpublished a new post: is-eating-smoked-meat-healthy-for-you2020/03/30 17:54:24
sam-mcmasterpublished a new post: is-eating-smoked-meat-healthy-for-you
2020/03/30 17:54:24
| author | sam-mcmaster |
| body | We can all generally agree that smoking is bad for you, but what about smoked meats? Should you be concerned about your health if you enjoy smoked brisket, salmon, or a delicious smoked deli sandwich?  Smoking food is one of the oldest methods of cooking on the planet. Our earliest hominid ancestors, homo erectus, started using fire to cook food about 400,000 years, as evidence suggests. It was a crucial step in our development as a species, allowing for a higher calorie intake and more nutrients. Cooking raw meat made our food more digestible and healthier. Intense heat kills off harmful bacteria, makes food more tender and flavorful. But there is a catch. The problem isn’t really with the fire but the fuel consumption and inadequate ventilation. Eating smoked meat prepared on a quality electric smoker, for instance, can be less harmful than smoking, but still poses a significant health risk. When comparing electric smoker reviews look for quality brands engineered with adequate ventilation. If you want to learn more about the best electric smokers and how to cook healthy meals, Fire Food Chef has tons of great information to help guide you on your way. Burning wood or charcoal in any instance produces carcinogens that are harmful to consume. Fossil fuels contain wood in them, or at least the chemical compounds, as well as organic matter from dead plants and animals. So whether you burn wood, charcoal, or propane gas, carcinogens are a byproduct. Health experts have identified PAH’s, or polycyclic aromatic hydrocarbons (PAHs), as the major health risk from smoked meat. Long recognized as a cancer agent, PAHs can also increase the risk of cardiovascular disease. PAH’s can easily be absorbed into your food or inhaled while grilling, in the same way that inhaling cigarette smoke is bad for you. The darker the smoke, the higher the presence of PAH’s. If your gas, charcoal or pellet grill is emitting black smoke, you’ve got way too much fuel. The densely packed fuel produces high temperatures that kill off bacteria as well as moisture and nutrients from your meat. The result is smoked food that tastes ashy or acrid, void of nutrients, and full of PAH’s. Automobiles are fitted with a special filter specifically designed to remove or reduce harmful carcinogens and greenhouse gases. Could the same be done for BBQ grills and electric smokers? That’s exactly the question researchers examined in 2018. Engineers from a company called Besmoke (specializing in natural wood flavors for grilling), partnered with Professor Jane K. Parker of the University of Reading (UK) to explore a solution that would effectively make smoking meat on a grill healthier by reducing carcinogens found in smoke. As Professor Parker explains in her interview, "The smoking process can cause carcinogens to form in foods. Not all smoked foods are dangerous, but we do know most can contain low levels of these substances, so we should try to remove them. If we could produce a smoke with fewer carcinogens, but that still has the same great taste, that would be ideal". The result of their research was the development of a unique ‘zeolite filter’, a device commonly found in tailpipes to reduce environmental pollutants. Says Jane K. Parker, Ph.D., "Zeolite filters, which are put in a tailpipe, have been used in the car industry…(but) haven't been applied to food yet. We want to change that." Testing of the zeolite filter has proven successful at reducing carcinogens by as much as 93%. Zeolite, a porous aluminosilicate mineral, can substantially reduce PAH’s without compromising the flavor or taste of smoked meat. Using mass spectrometry, researchers identified that zeolite is extremely effective at removing the higher molecular weight components found in smoke. Zeolite filters haven’t been introduced to BBQ grills yet, but it’s certainly a welcome change. Let’s hope Professor Parker and her team are successful with further testing to adapt the zeolite filter for electric smokers, gas and charcoal grills so we can all enjoy smoked meat without the cancer! |
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| permlink | is-eating-smoked-meat-healthy-for-you |
| title | Is Eating Smoked Meat Healthy For You? |
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"body": "We can all generally agree that smoking is bad for you, but what about smoked meats? Should you be concerned about your health if you enjoy smoked brisket, salmon, or a delicious smoked deli sandwich? \n\n\n\n\n\nSmoking food is one of the oldest methods of cooking on the planet. Our earliest hominid ancestors, homo erectus, started using fire to cook food about 400,000 years, as evidence suggests. It was a crucial step in our development as a species, allowing for a higher calorie intake and more nutrients. \n\nCooking raw meat made our food more digestible and healthier. Intense heat kills off harmful bacteria, makes food more tender and flavorful. But there is a catch. \n\nThe problem isn’t really with the fire but the fuel consumption and inadequate ventilation. Eating smoked meat prepared on a quality electric smoker, for instance, can be less harmful than smoking, but still poses a significant health risk. When comparing electric smoker reviews\nlook for quality brands engineered with adequate ventilation. If you want to learn more about the best electric smokers and how to cook healthy meals, Fire Food Chef has tons of great information to help guide you on your way. \n\nBurning wood or charcoal in any instance produces carcinogens that are harmful to consume. Fossil fuels contain wood in them, or at least the chemical compounds, as well as organic matter from dead plants and animals. So whether you burn wood, charcoal, or propane gas, carcinogens are a byproduct.\n\nHealth experts have identified PAH’s, or polycyclic aromatic hydrocarbons (PAHs), as the major health risk from smoked meat. Long recognized as a cancer agent, PAHs can also increase the risk of cardiovascular disease. PAH’s can easily be absorbed into your food or inhaled while grilling, in the same way that inhaling cigarette smoke is bad for you.\n\nThe darker the smoke, the higher the presence of PAH’s. If your gas, charcoal or pellet grill is emitting black smoke, you’ve got way too much fuel. The densely packed fuel produces high temperatures that kill off bacteria as well as moisture and nutrients from your meat. The result is smoked food that tastes ashy or acrid, void of nutrients, and full of PAH’s. \n\nAutomobiles are fitted with a special filter specifically designed to remove or reduce harmful carcinogens and greenhouse gases. Could the same be done for BBQ grills and electric smokers?\n\nThat’s exactly the question researchers examined in 2018. Engineers from a company called Besmoke (specializing in natural wood flavors for grilling), partnered with Professor Jane K. Parker of the University of Reading (UK) to explore a solution that would effectively make smoking meat on a grill healthier by reducing carcinogens found in smoke.\n\nAs Professor Parker explains in her interview, \"The smoking process can cause carcinogens to form in foods. Not all smoked foods are dangerous, but we do know most can contain low levels of these substances, so we should try to remove them. If we could produce a smoke with fewer carcinogens, but that still has the same great taste, that would be ideal\".\n\nThe result of their research was the development of a unique ‘zeolite filter’, a device commonly found in tailpipes to reduce environmental pollutants. Says Jane K. Parker, Ph.D., \"Zeolite filters, which are put in a tailpipe, have been used in the car industry…(but) haven't been applied to food yet. We want to change that.\"\n\nTesting of the zeolite filter has proven successful at reducing carcinogens by as much as 93%. Zeolite, a porous aluminosilicate mineral, can substantially reduce PAH’s without compromising the flavor or taste of smoked meat. Using mass spectrometry, researchers identified that zeolite is extremely effective at removing the higher molecular weight components found in smoke.\n\nZeolite filters haven’t been introduced to BBQ grills yet, but it’s certainly a welcome change. Let’s hope Professor Parker and her team are successful with further testing to adapt the zeolite filter for electric smokers, gas and charcoal grills so we can all enjoy smoked meat without the cancer!",
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}sam-mcmasterpublished a new post: 4-water-treatment-methods-for-improving-water-quality2020/03/30 15:01:36
sam-mcmasterpublished a new post: 4-water-treatment-methods-for-improving-water-quality
2020/03/30 15:01:36
| author | sam-mcmaster |
| body | You really can’t beat the convenience of having fresh, clean drinking water available on demand. But when your tap water starts looking discolored or smelling funny, you need a solution that’s effective, timely, and worth the investment.  If you research [iWaterPurification](https://iwaterpurification.com/) online, you’ll find water treatment devices and products that combine all 4 methods for treating a broad range of contaminants. Learn which method of water treatment is best for you so you can choose wisely. ## 1. Water Disinfection Standing water and groundwater can contain [pathogenic microorganisms](https://www.healthline.com/health/what-is-a-pathogen) such as mycobacteria, fungi, protozoa. Communities where intense agriculture, mining, or manufacturing takes place in close proximity may also be at risk of pesticides, herbicides, sulfates, nitrates, metals, and VOC’s leaching into the natural water supply. A water disinfection system removes harmful chemicals and bacteria using disinfectant chemicals such as chlorine, chlorine dioxide, and ozone. Water can also be disinfected by means of ultraviolet light, electronic radiation, and heat, such as boiling water. ## 2. Water Distillation Another method of water purification or water treatment is water distillation. Essentially, water is heated until it evaporates. The high temperatures (above boiling point) are simply too much for most bacteria to survive, so they’re killed off. The evaporated water condenses, leaving purified water behind. Due to the evaporation process, some water loss occurs, which makes distillation less efficient than other methods of treatment. ## 3. Water Filtration System While high temperatures can kill off 99% of the bacteria that may be lurking, metallic residue doesn’t dissolve and evaporate. To remove ferrous metals from water such as iron, copper, and lead from your water, you need a quality water filtration system. A whole house water filtration system or POE (Point-Of-Entry) system can be installed in your home to remove these kinds of contaminants. Utilizing a multi-stage filtration process that can also include UV lighting, micron sediment filters and active carbon, a water filtration system is designed to last you many years. They can be costly to purchase and install professionally, but well worth the investment. Research your options carefully. ## 4. Water Softener It’s currently estimated that as much as [85% of American households have slightly to extreme levels of hard water](https://water.usgs.gov/owq/hardness-alkalinity.html) flowing from their taps. Calcium and magnesium leached from high concentrations of limestone can make their way into natural water sources such as rivers, streams, and underground reservoirs. Since much of the [US was a seabed millions of years ago](https://geology.com/usgs/limestone/), some states such as Florida, Utah, and New Mexico can expect hard water to be a problem. A water softener is a water treatment method that uses sodium or potassium ions to absorb and neutralize the calcium and magnesium ions in hard water. |
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"body": "You really can’t beat the convenience of having fresh, clean drinking water available on demand. But when your tap water starts looking discolored or smelling funny, you need a solution that’s effective, timely, and worth the investment.\n\n\n\nIf you research [iWaterPurification](https://iwaterpurification.com/) online, you’ll find water treatment devices and products that combine all 4 methods for treating a broad range of contaminants. Learn which method of water treatment is best for you so you can choose wisely. \n\n## 1. Water Disinfection\n\nStanding water and groundwater can contain [pathogenic microorganisms](https://www.healthline.com/health/what-is-a-pathogen) such as mycobacteria, fungi, protozoa. Communities where intense agriculture, mining, or manufacturing takes place in close proximity may also be at risk of pesticides, herbicides, sulfates, nitrates, metals, and VOC’s leaching into the natural water supply.\n\nA water disinfection system removes harmful chemicals and bacteria using disinfectant chemicals such as chlorine, chlorine dioxide, and ozone. Water can also be disinfected by means of ultraviolet light, electronic radiation, and heat, such as boiling water.\n\n## 2. Water Distillation \n\nAnother method of water purification or water treatment is water distillation. Essentially, water is heated until it evaporates. The high temperatures (above boiling point) are simply too much for most bacteria to survive, so they’re killed off. \n\nThe evaporated water condenses, leaving purified water behind. Due to the evaporation process, some water loss occurs, which makes distillation less efficient than other methods of treatment. \n\n## 3. Water Filtration System\n\nWhile high temperatures can kill off 99% of the bacteria that may be lurking, metallic residue doesn’t dissolve and evaporate. To remove ferrous metals from water such as iron, copper, and lead from your water, you need a quality water filtration system.\n\nA whole house water filtration system or POE (Point-Of-Entry) system can be installed in your home to remove these kinds of contaminants. Utilizing a multi-stage filtration process that can also include UV lighting, micron sediment filters and active carbon, a water filtration system is designed to last you many years. \n\nThey can be costly to purchase and install professionally, but well worth the investment. Research your options carefully.\n\n## 4. Water Softener\n\nIt’s currently estimated that as much as [85% of American households have slightly to extreme levels of hard water](https://water.usgs.gov/owq/hardness-alkalinity.html) flowing from their taps. \n\nCalcium and magnesium leached from high concentrations of limestone can make their way into natural water sources such as rivers, streams, and underground reservoirs. Since much of the [US was a seabed millions of years ago](https://geology.com/usgs/limestone/), some states such as Florida, Utah, and New Mexico can expect hard water to be a problem.\n\nA water softener is a water treatment method that uses sodium or potassium ions to absorb and neutralize the calcium and magnesium ions in hard water.",
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}steemdelegated 17.785 SP to @sam-mcmaster2020/02/12 18:19:39
steemdelegated 17.785 SP to @sam-mcmaster
2020/02/12 18:19:39
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 28920.094804 VESTS |
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}2020/02/12 17:04:00
2020/02/12 17:04:00
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2020/02/12 17:03:57
| author | sam-mcmaster |
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}sam-mcmasterpublished a new post: this-how-parents-can-make-first-time-home-buying-less-stressful2020/02/12 16:26:18
sam-mcmasterpublished a new post: this-how-parents-can-make-first-time-home-buying-less-stressful
2020/02/12 16:26:18
| author | sam-mcmaster |
| body | @@ -3025,16 +3025,17 @@ ly in a +%5B seller's |
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| permlink | this-how-parents-can-make-first-time-home-buying-less-stressful |
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}beemenginesent 0.001 STEEM to @sam-mcmaster- "💎 Awesome Community Offer, Your Best STEEM Companion, automated 24/24 boosting your posts, guaranteed community extra votes, passive curation earnings and more, checkout https://www.steembeem.com 🤙 ..."2020/02/12 16:20:36
beemenginesent 0.001 STEEM to @sam-mcmaster- "💎 Awesome Community Offer, Your Best STEEM Companion, automated 24/24 boosting your posts, guaranteed community extra votes, passive curation earnings and more, checkout https://www.steembeem.com 🤙 ..."
2020/02/12 16:20:36
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| memo | 💎 Awesome Community Offer, Your Best STEEM Companion, automated 24/24 boosting your posts, guaranteed community extra votes, passive curation earnings and more, checkout https://www.steembeem.com 🤙 or join in for one month by sending ONLY 1 STEEM 🤯 to @beemengine with memo: subscribe |
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}sam-mcmasterpublished a new post: this-how-parents-can-make-first-time-home-buying-less-stressful2020/02/12 16:19:33
sam-mcmasterpublished a new post: this-how-parents-can-make-first-time-home-buying-less-stressful
2020/02/12 16:19:33
| author | sam-mcmaster |
| body | While buying a house can be stressful for anyone, the process can be particularly demanding if you're a parent. Not only do you want your investment to appreciate, but you want a home where your children can thrive, in a neighbourhood where they can flourish. This is especially true if you live in a city with a catchment system, where your children can usually only attend schools assigned to their neighbourhood.  ## Get Help with Your Research Because you're buying a home for your family, you want it to be in a great neighbourhood near great catchment schools. But this can be tricky. After countless hours of research online, you may either find a good school in a less desirable neighbourhood or vice versa. Even if you find the ideal school for your children in a great neighbourhood, you may struggle to find a reliable local real estate agent who knows the area inside out. To save yourself the hassle of pouring over hundreds of hours of information, consider using [SchoolQ](https://www.schoolq.ca/) to quickly find your dream home in your dream neighbourhood. Built by leading experts, this resource provides hyperlocal content for hundreds of cities and thousands of neighbourhoods across Canada. It offers easy-to-understand Interactive Neighbourhood Reports, Address Reports, and Interactive School reports. Moreover, you can use the platform to connect with a friendly Neighbourhood Expert who can help you buy a home in the area of your dreams. ## Get Your Financing in Order Determine what you can afford and get your financing in order. Save enough cash for your down payment to the mortgage lender and costs such as the mortgage application fee, credit check fee, home inspection fee, appraisal fee, and closing costs. Once you've bought a home, you may quickly need funds for insurance, taxes, mortgage fees, repairs, maintenance, utilities, moving costs, furniture and more. By being financially proactive, you can avoid headaches related to such expenses. Consider getting pre-approved for a mortgage loan to make the home buying process easier. This will be based on an inspection of your income and your credit. The advantage of getting pre-approved is that you can avoid unpleasant surprises when you're ready to bid for a house. If your credit is poor, then consider taking steps to improve it before going house hunting. + Pay off your loans to reduce your outstanding debts + Avoid applying for further loans to minimize inquiries on your credit + Make payments consistently on time for at least a year + Have the right number of credit cards to optimize your score Not only can a favourable [credit report](https://www.equifax.com/personal/) improve your chances of getting approved for a loan, but it may help you qualify for lower interest rates. ## Stay Flexible Sometimes you need to make compromises when buying your first home, especially in a seller's market](https://www.huffingtonpost.ca/entry/houses-for-sale-canada_ca_5e02291ce4b0843d360179ed). If the home doesn't satisfy every part of your detailed checklist but is in a great location, then ask yourself if you can live without certain features. For example, living with a smaller yard may be worthwhile if the home is in your dream neighbourhood near your ideal school. |
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"body": "While buying a house can be stressful for anyone, the process can be particularly demanding if you're a parent. Not only do you want your investment to appreciate, but you want a home where your children can thrive, in a neighbourhood where they can flourish. This is especially true if you live in a city with a catchment system, where your children can usually only attend schools assigned to their neighbourhood.\n\n\n\n## Get Help with Your Research\n\nBecause you're buying a home for your family, you want it to be in a great neighbourhood near great catchment schools. But this can be tricky. After countless hours of research online, you may either find a good school in a less desirable neighbourhood or vice versa. Even if you find the ideal school for your children in a great neighbourhood, you may struggle to find a reliable local real estate agent who knows the area inside out.\n\n\nTo save yourself the hassle of pouring over hundreds of hours of information, consider using [SchoolQ](https://www.schoolq.ca/) to quickly find your dream home in your dream neighbourhood. Built by leading experts, this resource provides hyperlocal content for hundreds of cities and thousands of neighbourhoods across Canada. It offers easy-to-understand Interactive Neighbourhood Reports, Address Reports, and Interactive School reports.\n\n\nMoreover, you can use the platform to connect with a friendly Neighbourhood Expert who can help you buy a home in the area of your dreams.\n\n\n## Get Your Financing in Order\n\nDetermine what you can afford and get your financing in order. Save enough cash for your down payment to the mortgage lender and costs such as the mortgage application fee, credit check fee, home inspection fee, appraisal fee, and closing costs.\n\n\nOnce you've bought a home, you may quickly need funds for insurance, taxes, mortgage fees, repairs, maintenance, utilities, moving costs, furniture and more. By being financially proactive, you can avoid headaches related to such expenses.\n\n\nConsider getting pre-approved for a mortgage loan to make the home buying process easier. This will be based on an inspection of your income and your credit. The advantage of getting pre-approved is that you can avoid unpleasant surprises when you're ready to bid for a house.\n\n\nIf your credit is poor, then consider taking steps to improve it before going house hunting.\n\n\n+ Pay off your loans to reduce your outstanding debts\n+ Avoid applying for further loans to minimize inquiries on your credit\n+ Make payments consistently on time for at least a year\n+ Have the right number of credit cards to optimize your score\n\n\nNot only can a favourable [credit report](https://www.equifax.com/personal/) improve your chances of getting approved for a loan, but it may help you qualify for lower interest rates.\n\n\n## Stay Flexible\n\nSometimes you need to make compromises when buying your first home, especially in a seller's market](https://www.huffingtonpost.ca/entry/houses-for-sale-canada_ca_5e02291ce4b0843d360179ed). If the home doesn't satisfy every part of your detailed checklist but is in a great location, then ask yourself if you can live without certain features. For example, living with a smaller yard may be worthwhile if the home is in your dream neighbourhood near your ideal school.",
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}steemdelegated 5.419 SP to @sam-mcmaster2019/12/24 20:22:39
steemdelegated 5.419 SP to @sam-mcmaster
2019/12/24 20:22:39
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 8811.245244 VESTS |
| Transaction Info | Block #39326744/Trx ba865754be4bf9d4fa638ea1974cac1f7a113ff5 |
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}sam-mcmasterreceived 5.526 STEEM, 6.724 SP author reward for @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/10/01 19:17:18
sam-mcmasterreceived 5.526 STEEM, 6.724 SP author reward for @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/10/01 19:17:18
| author | sam-mcmaster |
| permlink | what-you-can-do-to-relive-the-joy-of-stranger-things |
| sbd payout | 0.000 SBD |
| steem payout | 5.526 STEEM |
| vesting payout | 10933.276552 VESTS |
| Transaction Info | Block #36910900/Virtual Operation #8 |
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}femseenreplied to @sam-mcmaster / pygnwc2019/09/26 23:01:00
femseenreplied to @sam-mcmaster / pygnwc
2019/09/26 23:01:00
| author | femseen |
| body | I had about this stranger things and I have already downloaded the season 1 still on my laptop but yet to see it. So, seeing it here on steemit means it is an interesting TV series everyone need to watch. |
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| title | |
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2019/09/26 20:37:30
| author | steemitboard |
| body | Congratulations @sam-mcmaster! You received a personal award! <table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@sam-mcmaster/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table> <sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@sam-mcmaster) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=sam-mcmaster)_</sub> **Do not miss the last post from @steemitboard:** <table><tr><td><a href="https://steemit.com/steemfest/@steemitboard/steemitboard-supports-the-steemfest-travel-reimbursement-fund"><img src="https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmXDHs9xfx8ZZ3DESFUqHRUQAcQT5kUWobArsRoJg2Yz1F/image.png"></a></td><td><a href="https://steemit.com/steemfest/@steemitboard/steemitboard-supports-the-steemfest-travel-reimbursement-fund">SteemitBoard supports the SteemFest⁴ Travel Reimbursement Fund.</a></td></tr></table> ###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes! |
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"body": "Congratulations @sam-mcmaster! You received a personal award!\n\n<table><tr><td>https://steemitimages.com/70x70/http://steemitboard.com/@sam-mcmaster/birthday2.png</td><td>Happy Birthday! - You are on the Steem blockchain for 2 years!</td></tr></table>\n\n<sub>_You can view [your badges on your Steem Board](https://steemitboard.com/@sam-mcmaster) and compare to others on the [Steem Ranking](https://steemitboard.com/ranking/index.php?name=sam-mcmaster)_</sub>\n\n\n**Do not miss the last post from @steemitboard:**\n<table><tr><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemitboard-supports-the-steemfest-travel-reimbursement-fund\"><img src=\"https://steemitimages.com/64x128/https://cdn.steemitimages.com/DQmXDHs9xfx8ZZ3DESFUqHRUQAcQT5kUWobArsRoJg2Yz1F/image.png\"></a></td><td><a href=\"https://steemit.com/steemfest/@steemitboard/steemitboard-supports-the-steemfest-travel-reimbursement-fund\">SteemitBoard supports the SteemFest⁴ Travel Reimbursement Fund.</a></td></tr></table>\n\n###### [Vote for @Steemitboard as a witness](https://v2.steemconnect.com/sign/account-witness-vote?witness=steemitboard&approve=1) to get one more award and increased upvotes!",
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}arlenefernsupvoted (50.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/26 10:56:39
arlenefernsupvoted (50.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/26 10:56:39
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}adyorkaupvoted (6.16%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/26 10:37:30
adyorkaupvoted (6.16%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/26 10:37:30
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}quochuyupvoted (40.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/26 10:37:00
quochuyupvoted (40.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/26 10:37:00
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| permlink | what-you-can-do-to-relive-the-joy-of-stranger-things |
| voter | quochuy |
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| Transaction Info | Block #36756824/Trx ce244791bc5515d00a809c20d35157b5ba3af3ee |
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}steem-jackpotupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/26 10:36:30
steem-jackpotupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/26 10:36:30
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}zero-profitupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/26 10:36:24
zero-profitupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/26 10:36:24
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| voter | zero-profit |
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| Transaction Info | Block #36756812/Trx 0208bc3ecd02524f1548075fd7d27ae086ae5aca |
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}tipuupvoted (15.42%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/26 10:36:21
tipuupvoted (15.42%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/26 10:36:21
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| voter | tipu |
| weight | 1542 (15.42%) |
| Transaction Info | Block #36756811/Trx cae335d357067df097163fcaa214bb7114f51447 |
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}steemdelegated 17.939 SP to @sam-mcmaster2019/09/24 20:16:30
steemdelegated 17.939 SP to @sam-mcmaster
2019/09/24 20:16:30
| delegatee | sam-mcmaster |
| delegator | steem |
| vesting shares | 29169.171883 VESTS |
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}penitupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/24 19:35:45
penitupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/24 19:35:45
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}jakerichupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/24 19:26:57
jakerichupvoted (100.00%) @sam-mcmaster / what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/24 19:26:57
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}sam-mcmasterpublished a new post: what-you-can-do-to-relive-the-joy-of-stranger-things2019/09/24 19:17:18
sam-mcmasterpublished a new post: what-you-can-do-to-relive-the-joy-of-stranger-things
2019/09/24 19:17:18
| author | sam-mcmaster |
| body | The third season of Stranger Things went by in a flash. Viewers managed to binge through all eight episodes in a matter of days. The most dedicated fans went through them in a single night, going to work the next day exhausted, bleary-eyed and without a regret in the world. The only regret that they probably had was that they had to keep their conversations spoiler-free until everyone around them had finally caught up and was ready to rave about the twists and argue about hidden meanings. This description isn’t an exaggeration. Everyone clambered onto their couch and logged into their Netflix account — or piggybacked onto someone else’s Netflix account — to see what Eleven and the gang were getting up to after the last terrifying adventure. Nielsen found that more than [40.7 million viewers](https://www.cnbc.com/2019/07/11/stranger-things-had-record-viewership-in-first-four-days.html) across the world watched the season in the span of four days. But now that it’s over and you have to wait a whole year for the fourth and final season, what can you do?  1. **Eat Some Ice Cream** There were a lot of special things about this season. There was Dustin singing [The NeverEnding Story](https://www.youtube.com/watch?v=O5HQ1sZseKg) to his not-so-made-up girlfriend in the middle of a horrifying car chase. There was Joyce yelling excitedly about fridge magnets. There was the endearing Russian scientist Alexei, who just wanted to watch cartoons and drink cherry Slurpees from 7-11. But undoubtedly the best part of this season was the Scoops Troop. The Scoops Troop starts with two ice cream-slinging [Scoops Ahoy](https://strangerthings.fandom.com/wiki/Scoops_Ahoy) workers, Robin and Steve “The Hair” Harrington, donning their adorable sailor uniforms. With the help of Dustin and Lucas’ younger sister Erica, they make up the unlikely foursome that intercepts a secret message, break into a secret lair underneath the mall and discover that Russian spies are in their small Indiana town. You can drown your sorrows about the end of the season and honor the bravery of the Scoops Troop by eating ice cream. There were Scoops Ahoy pop-ups that showed up for a limited time after the season launch. And Baskin Robbins locations around the country have pints of [Stranger Things flavors](https://www.prnewswire.com/news-releases/stranger-things-are-happening-at-baskin-robbins-300857377.html) like Upside Down Pralines and U.S.S Butterscotch ice cream. If you missed these tasty promotions, don’t worry — you can make your own frozen treats at home. Grab a pint of your favorite ice cream and make yourself a Waffle Sundae covered in chocolate sauce and slices of fresh strawberries. For authenticity, use toasted Eggo waffles—not homemade waffles — for the base of the sundae. Make yourself a dessert that Eleven would love. 2. **Embrace The 80’s Style** Stranger Things captures both the banal and the wild side of 80’s fashion. If you fell in love with the costumes on the show, you can find out how to copy Eleven’s mall outfits with your own graphic print shirt and old-school suspenders. It’s a lot better than her costumes from the first season. Maybe you don’t want to dress head-to-toe in bright colors and pile your hair into a massive scrunchie. You can make a nod to the decade in a subtler way. For instance, you can get cool iPhone cases in styles that will let you be nostalgic without feeling like you’re a walking fashion faux-pas. Choose a vinyl skin for the case in bold colors and patterns like neon green carbon fiber, bulletproof banana or glossy blue. It’s unclear if you can find any colorful cases for your walkie-talkies. They’ll have to stay undecorated.  3. **Play Dungeons & Dragons** Poor Will Byers. In the first season, he was kidnapped and brought to the Upside Down. In the second season, he was possessed by the Mind Flayer. And in the third season, he was still tormented — his friends refused to play a session of [Dungeons & Dragons](https://dnd.wizards.com/) with him. He had suffered so much. The least they could do is sit down, ignore their girlfriend and monster problems for a while, and play pretend with him for a while. If you miss the show, you should heed the advice of Will the Wise and start playing D&D with a group of your closest friends. It’s an excellent way to spend an afternoon, going on adventures and fighting fearsome monsters with only a few spells, swords, and lucky rolls. You can start with a regular pre-made campaign from the original company, Wizards of the Coast. Or if you really love the show, you can play the Stranger Things Dungeons & Dragons roleplaying game starter set. This way you and your party can actually play as Will, Dustin, Lucas, Mike, and Eleven. You’re not the only one who would be getting into the fantasy RPG because of the series. Wizards of the Coast has admitted that their online sales grew by 53% in 2018 and they continue to surge in popularity. It’s fair to give Stranger Things some of the credit for bringing the game into the cultural consciousness. You can stop refreshing your Netflix page. The fourth season isn’t going to be there for a long time. There are some ways that you can fill the void that the third season left in your heart. You can use neon outfits, RPG campaigns or bowls, and bowls of ice cream. And if those fail you, you can always watch the series all over again. |
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| permlink | what-you-can-do-to-relive-the-joy-of-stranger-things |
| title | What you Can Do to Relive the Joy of Stranger Things |
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"body": "The third season of Stranger Things went by in a flash. Viewers managed to binge through all eight episodes in a matter of days. The most dedicated fans went through them in a single night, going to work the next day exhausted, bleary-eyed and without a regret in the world. The only regret that they probably had was that they had to keep their conversations spoiler-free until everyone around them had finally caught up and was ready to rave about the twists and argue about hidden meanings.\n\nThis description isn’t an exaggeration. Everyone clambered onto their couch and logged into their Netflix account — or piggybacked onto someone else’s Netflix account — to see what Eleven and the gang were getting up to after the last terrifying adventure. Nielsen found that more than [40.7 million viewers](https://www.cnbc.com/2019/07/11/stranger-things-had-record-viewership-in-first-four-days.html) across the world watched the season in the span of four days.\n\nBut now that it’s over and you have to wait a whole year for the fourth and final season, what can you do?\n\n\n1. **Eat Some Ice Cream**\nThere were a lot of special things about this season. There was Dustin singing [The NeverEnding Story](https://www.youtube.com/watch?v=O5HQ1sZseKg) to his not-so-made-up girlfriend in the middle of a horrifying car chase. There was Joyce yelling excitedly about fridge magnets. There was the endearing Russian scientist Alexei, who just wanted to watch cartoons and drink cherry Slurpees from 7-11. But undoubtedly the best part of this season was the Scoops Troop.\n\nThe Scoops Troop starts with two ice cream-slinging [Scoops Ahoy](https://strangerthings.fandom.com/wiki/Scoops_Ahoy) workers, Robin and Steve “The Hair” Harrington, donning their adorable sailor uniforms. With the help of Dustin and Lucas’ younger sister Erica, they make up the unlikely foursome that intercepts a secret message, break into a secret lair underneath the mall and discover that Russian spies are in their small Indiana town.\n\nYou can drown your sorrows about the end of the season and honor the bravery of the Scoops Troop by eating ice cream. There were Scoops Ahoy pop-ups that showed up for a limited time after the season launch. And Baskin Robbins locations around the country have pints of [Stranger Things flavors](https://www.prnewswire.com/news-releases/stranger-things-are-happening-at-baskin-robbins-300857377.html) like Upside Down Pralines and U.S.S Butterscotch ice cream. If you missed these tasty promotions, don’t worry — you can make your own frozen treats at home.\n\nGrab a pint of your favorite ice cream and make yourself a Waffle Sundae covered in chocolate sauce and slices of fresh strawberries. For authenticity, use toasted Eggo waffles—not homemade waffles — for the base of the sundae. Make yourself a dessert that Eleven would love.\n\n2. **Embrace The 80’s Style**\nStranger Things captures both the banal and the wild side of 80’s fashion. If you fell in love with the costumes on the show, you can find out how to copy Eleven’s mall outfits with your own graphic print shirt and old-school suspenders. It’s a lot better than her costumes from the first season.\n\nMaybe you don’t want to dress head-to-toe in bright colors and pile your hair into a massive scrunchie. You can make a nod to the decade in a subtler way. For instance, you can get cool iPhone cases in styles that will let you be nostalgic without feeling like you’re a walking fashion faux-pas. Choose a vinyl skin for the case in bold colors and patterns like neon green carbon fiber, bulletproof banana or glossy blue.\n\nIt’s unclear if you can find any colorful cases for your walkie-talkies. They’ll have to stay undecorated.\n\n\n3. **Play Dungeons & Dragons**\nPoor Will Byers. In the first season, he was kidnapped and brought to the Upside Down. In the second season, he was possessed by the Mind Flayer. And in the third season, he was still tormented — his friends refused to play a session of [Dungeons & Dragons](https://dnd.wizards.com/) with him. He had suffered so much. The least they could do is sit down, ignore their girlfriend and monster problems for a while, and play pretend with him for a while.\n\nIf you miss the show, you should heed the advice of Will the Wise and start playing D&D with a group of your closest friends. It’s an excellent way to spend an afternoon, going on adventures and fighting fearsome monsters with only a few spells, swords, and lucky rolls.\n\nYou can start with a regular pre-made campaign from the original company, Wizards of the Coast. Or if you really love the show, you can play the Stranger Things Dungeons & Dragons roleplaying game starter set. This way you and your party can actually play as Will, Dustin, Lucas, Mike, and Eleven.\n\nYou’re not the only one who would be getting into the fantasy RPG because of the series. Wizards of the Coast has admitted that their online sales grew by 53% in 2018 and they continue to surge in popularity. It’s fair to give Stranger Things some of the credit for bringing the game into the cultural consciousness.\n\nYou can stop refreshing your Netflix page. The fourth season isn’t going to be there for a long time. There are some ways that you can fill the void that the third season left in your heart. You can use neon outfits, RPG campaigns or bowls, and bowls of ice cream. And if those fail you, you can always watch the series all over again.",
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}steemdelegated 5.501 SP to @sam-mcmaster2019/05/12 20:16:42
steemdelegated 5.501 SP to @sam-mcmaster
2019/05/12 20:16:42
| delegatee | sam-mcmaster |
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}steemdelegated 5.624 SP to @sam-mcmaster2018/05/17 02:35:42
steemdelegated 5.624 SP to @sam-mcmaster
2018/05/17 02:35:42
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}steemdelegated 18.220 SP to @sam-mcmaster2018/02/22 12:29:09
steemdelegated 18.220 SP to @sam-mcmaster
2018/02/22 12:29:09
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}sam-mcmasterreceived 0.092 SBD, 0.126 SP author reward for @sam-mcmaster / 4kuztp-board-management-software-for-tomorrow-s-credit-union2017/11/16 20:56:39
sam-mcmasterreceived 0.092 SBD, 0.126 SP author reward for @sam-mcmaster / 4kuztp-board-management-software-for-tomorrow-s-credit-union
2017/11/16 20:56:39
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}kulikdomupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union2017/11/09 23:35:03
kulikdomupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union
2017/11/09 23:35:03
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}gelinkaupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union2017/11/09 23:35:03
gelinkaupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union
2017/11/09 23:35:03
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}suponenkupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union2017/11/09 23:35:03
suponenkupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union
2017/11/09 23:35:03
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}ninaramasheupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union2017/11/09 23:35:00
ninaramasheupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union
2017/11/09 23:35:00
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}noseshevaupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union2017/11/09 23:35:00
noseshevaupvoted (100.00%) @sam-mcmaster / board-management-software-for-tomorrow-s-credit-union
2017/11/09 23:35:00
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}tamimupvoted (100.00%) @sam-mcmaster / 4kuztp-board-management-software-for-tomorrow-s-credit-union2017/11/09 21:29:57
tamimupvoted (100.00%) @sam-mcmaster / 4kuztp-board-management-software-for-tomorrow-s-credit-union
2017/11/09 21:29:57
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}sam-mcmasterpublished a new post: 4kuztp-board-management-software-for-tomorrow-s-credit-union2017/11/09 20:56:39
sam-mcmasterpublished a new post: 4kuztp-board-management-software-for-tomorrow-s-credit-union
2017/11/09 20:56:39
| author | sam-mcmaster |
| body | Credit unions are entering into a period of rapid and major changes, and in 25 years, the financial landscape will be a whole new world. Credit unions need effective boards of directors that can provide their organizations with smart, strategic leadership and adapt to changing regulations. Board management software puts directors closer to the work they do for credit union boards. Given the changes that lie ahead for credit unions across the U.S., smart organizations are investing in better communication technology at the leadership level. Just take a look at some of the changes credit unions can anticipate in the next 25 years, according to industry experts.  Digital Banking Forget credit cards and Interac, most credit union customers will use wearable tech and expect to pay with a flash of their wrists, or even just by having their purchases scanned as they <a href="https://www.theguardian.com/business/2016/dec/05/amazon-go-store-seattle-checkouts-account" rel="nofollow">walk out the door</a>. The shift from plastic cards to wearable technology in the financial industry will have to be carefully navigated by management and boards. The security of credit union customers will be in the hands of your vendor, and it will be up to your board to approve vendors and ensure that their services comply with the regulatory landscape. Board portals such as Aprio make it easier for directors to compare vendors and evaluate the risks and benefits of new technology. Higher Membership Numbers Credit unions have seen considerable growth in the last few years, and many attribute higher membership numbers to a skeptical attitude toward banks in the wake of the Great Recession. In 25 years, credit union membership is expected to climb past <a href="http://www.cutimes.com/2015/12/11/what-will-credit-unions-look-like-in-25-years" rel="nofollow">100 million members</a>, giving credit unions a broader membership base than they’ve ever had before. As now, many credit union members will also be customers with banks, using different institutions for different financial services. Fewer Credit Unions Despite the increase in membership numbers, there will be fewer credit unions in 2040 than there are in today, from over 14,000 in 1990 down to a projected 3,000. Credit unions are seeing the change happen right before their eyes, with credit unions merging across the United States, creating organizations that are bigger and better able to build brand recognition in new markets. If you’re not sure <a href=" https://aprio.net/software/" rel="nofollow"> how board management software can benefit your company </a> consider the incredible changes credit unions are going to face in the coming years. Board management software lets directors focus on the issues at hand, without facing communication challenges. Directors shouldn’t have to face opacity when it comes to critical documents for a credit union. Board management software such as the platform offered by Aprio clarifies board work, putting instantly updated documents in directors’ hands and giving them better tools to work outside of meetings and prepare for important votes. Credit unions are headed toward uncharted waters, and in times of so much change, clear and informed leadership is more important than ever. Board management software gives directors freedom from logistical issues so they can focus on the issues facing your organization. Invest in board management software and see the difference it makes in board meetings. |
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| permlink | 4kuztp-board-management-software-for-tomorrow-s-credit-union |
| title | Board Management Software For Tomorrow's Credit Union |
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"body": "Credit unions are entering into a period of rapid and major changes, and in 25 years, the financial landscape will be a whole new world. Credit unions need effective boards of directors that can provide their organizations with smart, strategic leadership and adapt to changing regulations.\n\nBoard management software puts directors closer to the work they do for credit union boards. Given the changes that lie ahead for credit unions across the U.S., smart organizations are investing in better communication technology at the leadership level. Just take a look at some of the changes credit unions can anticipate in the next 25 years, according to industry experts. \n\n\n\nDigital Banking\n\nForget credit cards and Interac, most credit union customers will use wearable tech and expect to pay with a flash of their wrists, or even just by having their purchases scanned as they <a href=\"https://www.theguardian.com/business/2016/dec/05/amazon-go-store-seattle-checkouts-account\" rel=\"nofollow\">walk out the door</a>. The shift from plastic cards to wearable technology in the financial industry will have to be carefully navigated by management and boards. The security of credit union customers will be in the hands of your vendor, and it will be up to your board to approve vendors and ensure that their services comply with the regulatory landscape. Board portals such as Aprio make it easier for directors to compare vendors and evaluate the risks and benefits of new technology.\n\nHigher Membership Numbers\n\nCredit unions have seen considerable growth in the last few years, and many attribute higher membership numbers to a skeptical attitude toward banks in the wake of the Great Recession. In 25 years, credit union membership is expected to climb past <a href=\"http://www.cutimes.com/2015/12/11/what-will-credit-unions-look-like-in-25-years\" rel=\"nofollow\">100 million members</a>, giving credit unions a broader membership base than they’ve ever had before. As now, many credit union members will also be customers with banks, using different institutions for different financial services.\n\nFewer Credit Unions\n\nDespite the increase in membership numbers, there will be fewer credit unions in 2040 than there are in today, from over 14,000 in 1990 down to a projected 3,000. Credit unions are seeing the change happen right before their eyes, with credit unions merging across the United States, creating organizations that are bigger and better able to build brand recognition in new markets.\n\nIf you’re not sure <a href=\" https://aprio.net/software/\" rel=\"nofollow\"> how board management software can benefit your company </a> consider the incredible changes credit unions are going to face in the coming years. Board management software lets directors focus on the issues at hand, without facing communication challenges. Directors shouldn’t have to face opacity when it comes to critical documents for a credit union.\n\nBoard management software such as the platform offered by Aprio clarifies board work, putting instantly updated documents in directors’ hands and giving them better tools to work outside of meetings and prepare for important votes. Credit unions are headed toward uncharted waters, and in times of so much change, clear and informed leadership is more important than ever. Board management software gives directors freedom from logistical issues so they can focus on the issues facing your organization. Invest in board management software and see the difference it makes in board meetings.",
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sam-mcmasterpublished a new post: board-management-software-for-tomorrow-s-credit-union
2017/11/09 20:49:18
| author | sam-mcmaster |
| body | Credit unions are entering into a period of rapid and major changes, and in 25 years, the financial landscape will be a whole new world. Credit unions need effective boards of directors that can provide their organizations with smart, strategic leadership and adapt to changing regulations. Board management software puts directors closer to the work they do for credit union boards. Given the changes that lie ahead for credit unions across the U.S., smart organizations are investing in better communication technology at the leadership level. Just take a look at some of the changes credit unions can anticipate in the next 25 years, according to industry experts.  Digital Banking Forget credit cards and Interac, most credit union customers will use wearable tech and expect to pay with a flash of their wrists, or even just by having their purchases scanned as they <a href="https://www.theguardian.com/business/2016/dec/05/amazon-go-store-seattle-checkouts-account" rel="nofollow">walk out the door</a>. The shift from plastic cards to wearable technology in the financial industry will have to be carefully navigated by management and boards. The security of credit union customers will be in the hands of your vendor, and it will be up to your board to approve vendors and ensure that their services comply with the regulatory landscape. Board portals such as Aprio make it easier for directors to compare vendors and evaluate the risks and benefits of new technology. Higher Membership Numbers Credit unions have seen considerable growth in the last few years, and many attribute higher membership numbers to a skeptical attitude toward banks in the wake of the Great Recession. In 25 years, credit union membership is expected to climb past <a href="http://www.cutimes.com/2015/12/11/what-will-credit-unions-look-like-in-25-years" rel="nofollow">100 million members</a>, giving credit unions a broader membership base than they’ve ever had before. As now, many credit union members will also be customers with banks, using different institutions for different financial services. Fewer Credit Unions Despite the increase in membership numbers, there will be fewer credit unions in 2040 than there are in today, from over 14,000 in 1990 down to a projected 3,000. Credit unions are seeing the change happen right before their eyes, with credit unions merging across the United States, creating organizations that are bigger and better able to build brand recognition in new markets. If you’re not sure <a href=" https://aprio.net/software/" rel="nofollow"> how board management software can benefit your company </a> consider the incredible changes credit unions are going to face in the coming years. Board management software lets directors focus on the issues at hand, without facing communication challenges. Directors shouldn’t have to face opacity when it comes to critical documents for a credit union. Board management software such as the platform offered by Aprio clarifies board work, putting instantly updated documents in directors’ hands and giving them better tools to work outside of meetings and prepare for important votes. Credit unions are headed toward uncharted waters, and in times of so much change, clear and informed leadership is more important than ever. Board management software gives directors freedom from logistical issues so they can focus on the issues facing your organization. Invest in board management software and see the difference it makes in board meetings. |
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}tora.tulceaupvoted (100.00%) @sam-mcmaster / are-solar-shingles-the-future-of-roofing2017/10/23 21:15:03
tora.tulceaupvoted (100.00%) @sam-mcmaster / are-solar-shingles-the-future-of-roofing
2017/10/23 21:15:03
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}jodinewton88upvoted (100.00%) @sam-mcmaster / are-solar-shingles-the-future-of-roofing2017/10/23 21:13:54
jodinewton88upvoted (100.00%) @sam-mcmaster / are-solar-shingles-the-future-of-roofing
2017/10/23 21:13:54
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}sam-mcmasterpublished a new post: are-solar-shingles-the-future-of-roofing2017/10/23 21:07:21
sam-mcmasterpublished a new post: are-solar-shingles-the-future-of-roofing
2017/10/23 21:07:21
| author | sam-mcmaster |
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}sam-mcmasterupvoted (100.00%) @sam-mcmaster / are-solar-shingles-the-future-of-roofing2017/10/23 21:04:00
sam-mcmasterupvoted (100.00%) @sam-mcmaster / are-solar-shingles-the-future-of-roofing
2017/10/23 21:04:00
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2017/10/23 20:59:54
| author | funaddaa |
| body | https://i.imgur.com/MW6jCni.png This post was randomly resteemed by @funaddaa! > **Resteem your post just send 0.100 SBD or Steem with your post url on memo. We have over 3700+ followers. Take our service to reach more People.** > **just send 1 SBD or Steem with your post url on memo we will resteem your post and send 10 upvotes from our Associate Accounts.** |
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}sam-mcmasterpublished a new post: are-solar-shingles-the-future-of-roofing2017/10/23 20:58:51
sam-mcmasterpublished a new post: are-solar-shingles-the-future-of-roofing
2017/10/23 20:58:51
| author | sam-mcmaster |
| body | <a href="https://www.scientificamerican.com/article/im-getting-my-roof-redone-and-heard-about-solar-shingles/">Solar Shingles</a> are a brand new idea that might just save both the planet and your wallet. What are solar shingles, you ask? Well it is exactly what it sounds like: photovoltaic cells that look like regular shingles, but with a new green design that boasts a whopping 12 watts per square foot, which is similar to the larger, bulkier, and less aesthetically pleasing traditional box solar panels. With a 350 square foot area for solar shingles, an individual can cut their home's power bill by between 40 and 70 percent! (https://steemitimages.com/DQmTn43jgAwHLTWZhbUeK6c6omyEpPayAVmaQdAQXAa5Gij/Screenshot%202017-10-23%2016.50.01.png) Now available in the Toronto area, there are a number of skilled roofing companies who will install your solar shingles for you. The shingles come in a variety of shapes and finishes to complement any design you have in mind. Forward thinking roofers in Toronto can replace your existing shingles with the new green design solar shingles or install them alongside of, or on top of, your existing shingles. Finding a skilled, trustworthy roofing company in Toronto should not be very difficult. Between talking to your neighbours and looking at online reviews, as well as utilizing the Better Business Bureau's website, you will be able to find excellence. There are many comprehensive roofing companies to choose from – this means that they should do everything, from installation to repair to replacement. If it involves a roof, there is nothing that a dedicated, focused roofing company will not be able to handle. Reputable roofing companies use only the highest quality of materials, stuff they would put on their own houses and nothing else. And because small roofing companies are mostly family owned and operated, they will do their absolute best to take care of your family too. If your roof develops a leak or is damaged in any way, they will send somebody out to repair your roof at any time, day or night. There is nothing that dedicated, community focused roofers will not do to make sure that their customers are satisfied. If you <a href="https://www.professionalroofers.com/our-services/roof-repair-services/">need help fixing your roof</a> or installing new shingles, it is important to have access to good workers who you know you can trust, after all, your roof is your first line of defense against the elements! (https://steemitimages.com/DQmWkAKRyk7BcSorwee13rGCCDkKAPVVHgN37cX9T8hq7zD/Screenshot%202017-10-23%2016.51.02.png) Should you decide to have new solar shingles installed, you will also require an electrical technician to install a power inverter so that you can actually use the power you gather from the sun. The cost of installation can run a little high, but there are plenty of <a href="http://www.solarcity.com/residential/solar-energy-tax-credits-rebates">government grants and subsidies</a> that can reduce the cost dramatically. This conversion to solar technology is important for the environment, but it can also benefit your local municipality as well. Any energy not used from your solar shingles is shunted directly back into the city's power grid, thus helping your neighbors and friends get more power. There really is no down side to investing in personal solar technology is you have the budget. It may have a mildly pricey startup cost, but it will save you so money over time that it will easily pay for the transition. Do yourself a favor, call your local, reliable roofers and ask for an estimate. You will not regret the call. |
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"body": "<a href=\"https://www.scientificamerican.com/article/im-getting-my-roof-redone-and-heard-about-solar-shingles/\">Solar Shingles</a> are a brand new idea that might just save both the planet and your wallet. What are solar shingles, you ask? Well it is exactly what it sounds like: photovoltaic cells that look like regular shingles, but with a new green design that boasts a whopping 12 watts per square foot, which is similar to the larger, bulkier, and less aesthetically pleasing traditional box solar panels. With a 350 square foot area for solar shingles, an individual can cut their home's power bill by between 40 and 70 percent!\n\n(https://steemitimages.com/DQmTn43jgAwHLTWZhbUeK6c6omyEpPayAVmaQdAQXAa5Gij/Screenshot%202017-10-23%2016.50.01.png)\n\nNow available in the Toronto area, there are a number of skilled roofing companies who will install your solar shingles for you. The shingles come in a variety of shapes and finishes to complement any design you have in mind. Forward thinking roofers in Toronto can replace your existing shingles with the new green design solar shingles or install them alongside of, or on top of, your existing shingles.\n\nFinding a skilled, trustworthy roofing company in Toronto should not be very difficult. Between talking to your neighbours and looking at online reviews, as well as utilizing the Better Business Bureau's website, you will be able to find excellence. There are many comprehensive roofing companies to choose from – this means that they should do everything, from installation to repair to replacement. If it involves a roof, there is nothing that a dedicated, focused roofing company will not be able to handle. \n\nReputable roofing companies use only the highest quality of materials, stuff they would put on their own houses and nothing else. And because small roofing companies are mostly family owned and operated, they will do their absolute best to take care of your family too. If your roof develops a leak or is damaged in any way, they will send somebody out to repair your roof at any time, day or night. There is nothing that dedicated, community focused roofers will not do to make sure that their customers are satisfied. If you <a href=\"https://www.professionalroofers.com/our-services/roof-repair-services/\">need help fixing your roof</a> or installing new shingles, it is important to have access to good workers who you know you can trust, after all, your roof is your first line of defense against the elements! \n\n(https://steemitimages.com/DQmWkAKRyk7BcSorwee13rGCCDkKAPVVHgN37cX9T8hq7zD/Screenshot%202017-10-23%2016.51.02.png)\n\nShould you decide to have new solar shingles installed, you will also require an electrical technician to install a power inverter so that you can actually use the power you gather from the sun. The cost of installation can run a little high, but there are plenty of <a href=\"http://www.solarcity.com/residential/solar-energy-tax-credits-rebates\">government grants and subsidies</a> that can reduce the cost dramatically. This conversion to solar technology is important for the environment, but it can also benefit your local municipality as well. Any energy not used from your solar shingles is shunted directly back into the city's power grid, thus helping your neighbors and friends get more power.\n\nThere really is no down side to investing in personal solar technology is you have the budget. It may have a mildly pricey startup cost, but it will save you so money over time that it will easily pay for the transition. Do yourself a favor, call your local, reliable roofers and ask for an estimate. You will not regret the call.",
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}steemdelegated 18.346 SP to @sam-mcmaster2017/10/13 16:01:00
steemdelegated 18.346 SP to @sam-mcmaster
2017/10/13 16:01:00
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}sam-mcmasterupvoted (100.00%) @cryptoriddler / colorful-clouds-bunte-wolken2017/09/29 16:58:03
sam-mcmasterupvoted (100.00%) @cryptoriddler / colorful-clouds-bunte-wolken
2017/09/29 16:58:03
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2017/09/28 21:40:30
| author | steemitboard |
| body | Congratulations @sam-mcmaster! You have completed some achievement on Steemit and have been rewarded with new badge(s) : [](http://steemitboard.com/@sam-mcmaster) You published your First Post [](http://steemitboard.com/@sam-mcmaster) You got a First Vote Click on any badge to view your own Board of Honor on SteemitBoard. For more information about SteemitBoard, click [here](https://steemit.com/@steemitboard) If you no longer want to receive notifications, reply to this comment with the word `STOP` > By upvoting this notification, you can help all Steemit users. Learn how [here](https://steemit.com/steemitboard/@steemitboard/http-i-cubeupload-com-7ciqeo-png)! |
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}sam-mcmasterfollowed @cryptoriddler2017/09/28 18:45:54
sam-mcmasterfollowed @cryptoriddler
2017/09/28 18:45:54
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}sam-mcmasterfollowed @sndbox2017/09/28 18:36:39
sam-mcmasterfollowed @sndbox
2017/09/28 18:36:39
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}sam-mcmasterupdated their account properties2017/09/28 18:36:00
sam-mcmasterupdated their account properties
2017/09/28 18:36:00
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}nk3fewupvoted (100.00%) @sam-mcmaster / how-small-business-can-optimize-online-classified-ads2017/09/28 18:35:06
nk3fewupvoted (100.00%) @sam-mcmaster / how-small-business-can-optimize-online-classified-ads
2017/09/28 18:35:06
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}sam-mcmasterpublished a new post: how-small-business-can-optimize-online-classified-ads2017/09/28 18:17:51
sam-mcmasterpublished a new post: how-small-business-can-optimize-online-classified-ads
2017/09/28 18:17:51
| author | sam-mcmaster |
| body | If you run your own business or you’re a freelance service provider, you’re always on the lookout for new ways to connect with customers. Your livelihood depends on a steady stream of customers and the web has opened countless opportunities for reaching new markets that simply weren’t available in the past. Digital marketing has revolutionized freelance and small business advertising, putting more businesses directly in touch with their markets. Search engines have replaced the phone book, providing instant answers and local business recommendations. Social media lets you stay in constant communication with your online customers. It’s a brave new world for online marketing, but it’s important not to lose sight of the basics that bring in customers.  For example, are you posting ads on online classified sites like Kijiji? If not, you’re missing out on a great opportunity to reach active buyers in your industry. Online classified sites connect freelancers and small businesses to local markets. Online classified ads put you directly in touch with people searching for what you have to offer, whether you’re an online retailer or a service provider. Every day, thousands of real estate agents, copywriters, accountants, personal trainers, childcare providers, tutors, and more use sites like Kijiji to drum up business. But successfully advertising through classified ads is an art of its own. Writing a great classified ad starts with <a href="http://www.wordstream.com/blog/ws/2013/08/15/ad-copywriting-tips">researching your competitor</a>. Find out everything you can about big companies and other small business working in your vertical. As with any ad, <a href="http://www.kijiji.ca/">classified ads for small businesses</a> should differentiate you from the competitors. What makes you stand out from the pack? Why should the customer pick you to provide a service over the person selling in the next ad? There are also some essentials to writing a great classified ad: • Titles should be brief, to-the-point, and accurate. Useful information and keywords related to your business will draw more eyes than extra exclamation marks. Get down to specifics, too, including your rates (depending on the industry), but don’t forget to be creative. • Describe your business in detail; anticipate customer questions and make your value proposition – tell them why you’re the better solution. • Stay organized by using bullet points, paragraphs, and subheadings so that customers can quickly read through. • Include photos, even if you’re providing a service, as they get attention and people are more likely to click. • Don’t forget your contact information, including your location, your phone number, and email. It’s so easy to advertise on online classifieds that thousands of businesses do it in cities all over the world. Some businesses rely on classifieds almost exclusively, and don’t even use websites, to their detriment. If you’re providing a service, make a convincing, good-looking website and always link to it in your classified ads. A logo will also help add authority and professionalism to your classified ads. Last but not least, on most online classified sites you can also pay to promote your ad. That puts it up at the top of the page so that everyone will see it. Promoting your ad gives your brand a boost and draws eyes to your service. Once you’ve successfully found customers online, as a freelancer or a small business, make it easy for your customers to pay. Thanks to E-Transfers and PayPal, you no longer have to wait for a cheque in the mail from your clients. But as financial technology evolves, there are other options that may be more convenient and easier to manage invoices and payments. Invoicing software like QuickBooks or Wave help you <a href="https://blog.hubstaff.com/invoicing-software-for-freelancers/">setup digital invoices</a>, invoice reminders, and recurring building. Small businesses and freelancers have a tough time getting paid by clients who shrug off reminders or are simply busy. Save yourself the headaches of e-commerce and use invoicing and payment technology. Use every resource you can afford to simplify your work and the customer experience. E-commerce through classified ads is an effective way to grow your business. A great website, invoicing software, and promoted ads will keep everything running smoothly. |
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sam-mcmasterupdated their account properties
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}sam-mcmasterupvoted (100.00%) @joseph / kakao-launches-upbit-com-the-world-s-biggest-crypto-exchange2017/09/26 19:54:42
sam-mcmasterupvoted (100.00%) @joseph / kakao-launches-upbit-com-the-world-s-biggest-crypto-exchange
2017/09/26 19:54:42
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}Account Metadata
| POSTING JSON METADATA | |
| profile | {"name":"Sam McMaster","about":"Techie Blogger and Nature Lover","profile_image":"https://www.google.ca/search?q=trees&rlz=1C5CHFA_enCA733CA739&source=lnms&tbm=isch&sa=X&ved=0ahUKEwibuo_iwsjWAhVU2WMKHcUQAssQ_AUICigB&biw=2314&bih=1185&dpr=2#imgrc=u1YywY6LO8090M:"} |
| JSON METADATA | |
| profile | {"name":"Sam McMaster","about":"Techie Blogger and Nature Lover","profile_image":"https://www.google.ca/search?q=trees&rlz=1C5CHFA_enCA733CA739&source=lnms&tbm=isch&sa=X&ved=0ahUKEwibuo_iwsjWAhVU2WMKHcUQAssQ_AUICigB&biw=2314&bih=1185&dpr=2#imgrc=u1YywY6LO8090M:"} |
{
"posting_json_metadata": {
"profile": {
"name": "Sam McMaster",
"about": "Techie Blogger and Nature Lover",
"profile_image": "https://www.google.ca/search?q=trees&rlz=1C5CHFA_enCA733CA739&source=lnms&tbm=isch&sa=X&ved=0ahUKEwibuo_iwsjWAhVU2WMKHcUQAssQ_AUICigB&biw=2314&bih=1185&dpr=2#imgrc=u1YywY6LO8090M:"
}
},
"json_metadata": {
"profile": {
"name": "Sam McMaster",
"about": "Techie Blogger and Nature Lover",
"profile_image": "https://www.google.ca/search?q=trees&rlz=1C5CHFA_enCA733CA739&source=lnms&tbm=isch&sa=X&ved=0ahUKEwibuo_iwsjWAhVU2WMKHcUQAssQ_AUICigB&biw=2314&bih=1185&dpr=2#imgrc=u1YywY6LO8090M:"
}
}
}Auth Keys
Owner
Single Signature
Public Keys
STM6K7ehNnmfc1eXYh7JMt9yna9H8arvcNyLCJ1iewcTDCr6dX6DK1/1
Active
Single Signature
Public Keys
STM5in3WuQrxcw5sDTpTR3kCXLmaijAVMKZY5gb3ryWyCqScUGvYL1/1
Posting
Single Signature
Public Keys
STM67V6kUtkDePcdYMTF5hRkaHyvPHetaUAQRjRZJaRUdfibACihY1/1
Memo
STM8GtV5RFe8fAe7PxxuMwC2LqXTkfSEYfmqP944sm1t6t5iuHv7V
{
"owner": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM6K7ehNnmfc1eXYh7JMt9yna9H8arvcNyLCJ1iewcTDCr6dX6DK",
1
]
]
},
"active": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM5in3WuQrxcw5sDTpTR3kCXLmaijAVMKZY5gb3ryWyCqScUGvYL",
1
]
]
},
"posting": {
"weight_threshold": 1,
"account_auths": [],
"key_auths": [
[
"STM67V6kUtkDePcdYMTF5hRkaHyvPHetaUAQRjRZJaRUdfibACihY",
1
]
]
},
"memo": "STM8GtV5RFe8fAe7PxxuMwC2LqXTkfSEYfmqP944sm1t6t5iuHv7V"
}Witness Votes
0 / 30
No active witness votes.
[]