(NewsUSA) - (NewsUSA) -Right now, moving may be a little challenging as property value has gone up tremendously and the number of homes on the market is low. The next best option is to remodel and expand your home office, home gym, or add a patio for outdoor gatherings.

If you own your home and have a mortgage, a cash-out refinancing option may be an easy way to have the money to tackle your home improvement project. Since interest rates are still quite low now may be a good time to tap into your home's equity. Many homeowners may not realize that cash-out refinancing can help fund these projects. A cash-out refinance is not a second mortgage. It is borrowing against the equity in your home or money you have already paid towards your mortgage. A cash-out refinance will require that you refinance your home most likely at a lower rate. The new loan amount will be slightly more than the remaining balance of your home because it will include the amount of cash you take out for you or your family.

Cash-out refinancing is beneficial because it can increase monthly cash flow and allow you to make good use of the funds you take out, according to Freedom Mortgage, one of the nation's full-service mortgage lending company and a leader in FHA and VA loans according to Inside Mortgage Finance, 2020.

The benefits of cash-out refinancing aren't limited to home improvements. Funds from a cash-out refinancing also can be used to pay for a college education or to consolidate high-interest debts at a lower interest rate. Homeowners can typically borrow up to 80% of the value of their homes without paying the private mortgage insurance (PMI) required by some lending situations. That means if you have more than 20% equity in your home, you can use that equity to get cash now.

To help homeowners explore their options and determine how much cash they can obtain, Freedom Mortgage offers a free cash-out refinancing calculator that enables the user to determine what makes sense and the amount of their new monthly payment.

For more information, visit https://www.freedommortgage.com/cash-out-refinance.

(NewsUSA) - The pandemic created a major shift in the way people consume - and, more importantly, trust - information, especially as it relates to vaginal health. In fact, a new survey conducted by OnePoll on behalf of RepHresh of 2,000 American women age 24-34 reveals that two in five women named Google as their go-to source of information over a physician when experiencing discomfort or vaginal health symptoms.

Many women are also turning to social media for health advice. For example, on TikTok, hashtags relating to the words "sex education" have over 70 million views. A now infamous TikTok video, providing a tutorial on how to relieve constipation through "vaginal splinting" has racked up over 3 million views and the latest popular #icecubechallenge claims to tighten the vagina and curb bacterial overgrowth.

While these trending DIY/at-home medical hacks can be entertaining, many of these practices are not only ineffective at controlling the natural balance of good and bad bacteria, but can be dangerous and cause more harm than good. Melting an ice cube in the vagina can elevate the natural pH balance and trigger a bacterial infection as the pH of water (7.5-8) is higher than the normal vaginal pH (3.5-4.5). And, while vaginal splinting is a scientific method used by medical professionals, experts caution trying it at home as it poses a risk of bacterial spread if not done properly.

The RepHresh survey found that over half (51%) thought a vagina should have a neutral pH, and only 12% correctly identified "moderately acidic" as the ideal pH balance. In addition, the top three most Googled phrases and questions respondents needed answers about included "vaginal discharge" (44%), "do I have a yeast infection?" (39%) and "vaginal odor" (37%).

With an uptick in misinformation, most women frequently misdiagnose their vaginal symptoms. That's why it's more critical than ever that women turn to trusted health care professionals for advice, proper diagnosis and remedies for the actual problem.

Here are a few important things women might not know, but need to know to maintain good vaginal health:

1. Vaginal odor is completely normal and should not be a cause for alarm. Refrain from using unnecessary scented products, including wipes and washes that claim to eliminate odor with fruity or flowery fragrances, as this will not solve the root cause of the issue, which is an unbalanced pH. Do look for clinically-backed and doctor-recommended products for vaginal health, such as over-the-counter RepHresh Gel, which rebalances pH to a healthy range, eliminates odor, and lasts up to three days.

2. Bacterial Vaginosis (BV) and yeast infections can present similar symptoms, such as unusual vaginal discharge and discomfort, so when women run to the drug store and buy an OTC yeast medication such as Monistat, they are not addressing the root cause of the problem. Two out of three times it is BV, which must be treated with an antibiotic from their health care provider. But, antibiotics can kill the good and bad bacteria and cause a yeast infection, so make sure to take a vaginal probiotic once a day such as RepHresh Pro-B as it contains 2 strains of vaginal lactobacilli to keep the vaginal flora in balance and eat foods high in probiotics like a healthy no-sugar-added Greek yogurt, kefir, kimchi, or miso.

3. High sugar and alcohol intake can elevate pH imbalances and contribute to an overgrowth of yeast. Maintain a healthy moderation of sugary drinks and junk food as excess amounts not only impact vaginal health, but overall weight gain and wellness.

4. Vaginal discharge is a completely normal function in which the vagina naturally removes old cells to keep the environment healthy and clean. Some women have more discharge, while others might experience very little, and it can change in color and thickness depending on the ovulation cycle. However, discharge accompanied with itching, burning, fishy odor, swelling, unusual color, or pelvic pain should be brought to a doctor's attention as it can be a bacterial infection or STI and must be treated appropriately.

Before trying something new, consult with your healthcare provider especially when things seem off to ensure the safety and efficacy of the method or product you are considering. And, don't miss your annual OB/GYN visit.

Maria Sophocles, MD, OB/GYN is the Medical Director of Women's Healthcare of Princeton in Princeton, NJ.

"A Pastor's Pit"
by Judge Roy Sparkman

Religious liberty is under attack in the United States. Faced with legal challenges for the mere action of preaching from the Bible, Pastor Preston and his supporters confront a terrifying truth: the U.S. Constitution is no defense against a biased district attorney obsessed with sending him to prison.

A "Pastor's Pit" exposes the threat to the religious liberty that people of all faiths take for granted, as well as the crucial role that U.S. Supreme Court appointments and presidential elections play in maintaining the rights of all citizens. How can a pastor be indicted and tried for the "crime" of preaching from the Bible? Will the courts send him to prison or uphold his constitutional freedoms? Purchase at https://amzn.to/2NHapnh.

"Irina"
by Philip Warren

A masterfully detailed historical novel of culture, religion, history and politics of the times intertwined with a deeply moving portrayal of tragedy, hope and perseverance. This is Irina's journey from Polish serving girl to French businesswoman. Her determination and curiosity will make you cheer, and her harrowing escape from those who would thwart her progress will have you holding your breath.

Poznan, Poland 1378. Irina is dying. Despite her storied life, one loss is not accounted for: her only son. In a world dominated by men, Irina finds that she can thrive, having everything she could want but the answer to one question. A rich, wonderful saga. Purchase at https://amzn.to/3hQ859Y.

"On the Way to Casa Lotus"
by Lorena Junco Margain

This is a memoir of family, art, injury and forgiveness. The author -- a passionate art collector and devoted wife and mother -- is already shaken after abruptly fleeing Mexico and relocating in the USA with her family. Then, she learns she has a tumor, which simple surgery can mend. But to err is human -- even for surgeons. Rather than improve after surgery, her condition worsens.

Deeply compassionate, wise and poetic, the memoir lays bare some of the most poignant contradictions of the human condition, blurring the distinctions between guilt and neglectfulness, anger and sorrow, humility and shame, gratitude and despair. The book plants a seed of hope that loss and pain can serve a higher purpose. Purchase at https://amzn.to/3vYcbRf.

"Indecent Exposure"
by Viola Trivette 

Meera and Aaron have been pitted against each other since law school in their fight for a higher class rank and their ever-growing gap in political views. Apart from constant class bickering, Meera avoids Aaron after an awkward moment in an empty classroom their first year. However, as graduation approaches, she starts to regret all those nights she spent alone in the library and finally agrees to go out with her roommate where she bumps into Aaron at a noisy club.

Although both characters are undeniably drawn to one another, they refuse to admit what's between them. What ensues is a game of back-and-forth as they each try to force the other to concede. Purchase at https://amzn.to/3he4Xok.

NOTE: BookTrib's Bites is presented by BookTrib.com

A CERTIFIED FINANCIAL PLANNER™ professional makes a commitment to CFP Board to act as a fiduciary, which means acting in their clients' best interests at all times when providing financial advice. You should want a financial adviser who makes this commitment directly to you. Therefore, whomever you choose as your financial professional, including a CFP® professional, you should consider getting a written engagement that requires them to have a fiduciary obligation to you.

Professional standards are important to protect consumers. CFP Board's Code and Standards sets forth the commitment that all CFP® professionals make to CFP Board. This includes duties to maintain the confidentiality and protect the privacy of client information.

In addition, CFP® professionals commit to CFP Board to disclose any conflicts of interest that might affect the professional relationship and compromise the CFP® professional's ability to act in their clients' best interests.

Approximately one year ago, CFP Board updated its Code and Standards to mandate that all CFP® professionals commit to CFP Board to act as fiduciaries for their clients when providing financial advice.

"Simply put, someone acting as a fiduciary should deliver financial advice that is clear, specific, objective and thorough," says Dan Candura, a CFP Board Emeritus® member and Founder of Candura Group, LLC.

Professionals who follow CFP Board's Code and Standards commit to fulfilling three key duties as part of their fiduciary duty:

- Duty of Loyalty. This means putting their clients' interests first.

"Your interests should be placed above the interest of the CFP® professional and the CFP® professional's firm," according to CFP Board's website.

- Duty of Care. This means being careful, acting with prudence and diligence in making recommendations to clients.

For example, if you receive a sudden windfall of money that you want to delay investing, a CFP® professional who abides by a commitment to CFP Board will review the reasonable options and consider factors such as risks and interest rates in making the best recommendation.

- Duty to Follow Client Instructions. This means complying with all objectives, policies, restrictions, and other terms on which you have agreed, and "all reasonable and lawful directions of you, the client," according to CFP Board.

"Meeting these three duties enables CFP® professionals to honor their commitment to CFP Board to act as a fiduciary, in the client's best interest. Certainly, that is what every client deserves," Candura says.

To learn more about how CFP Board's Code and Standards for CFP® professionals help protect consumers, visit LetsMakeAPlan.org.

(By John Smith) - Here's a great new story about a product that is great.

Adding more data.

(NewsUSA) - This is a test

(NewsUSA) - A cookie is a baked or cooked snack or dessert that is typically small, flat and sweet. It usually contains flour, sugar, egg, and some type of oil, fat, or butter. It may include other ingredients such as raisins, oats, chocolate chips, nuts, etc.

We also enjoy chocolate chip cookies.

In most English-speaking countries except for the United States, crunchy cookies are called biscuits. Many Canadians also use this term. Chewier biscuits are sometimes called cookies even in the United Kingdom.[3] Some cookies may also be named by their shape, such as date squares or bars.

Biscuit or cookie variants include sandwich biscuits, such as custard creams, Jammie Dodgers, Bourbons and Oreos, with marshmallow or jam filling and sometimes dipped in chocolate or another sweet coating. Cookies are often served with beverages such as milk, coffee or tea and sometimes "dunked", an approach which releases more flavour from confections by dissolving the sugars,[4] while also softening their texture. Factory-made cookies are sold in grocery stores, convenience stores and vending machines. Fresh-baked cookies are sold at bakeries and coffeehouses, with the latter ranging from small business-sized establishments to multinational corporations such as Starbucks.

(NewsUSA) - This year, on June 4, millions of people across the United States will hit the trail, any trail, to celebrate the 30th annual American Hiking Society's National Trails Day.® This year's celebration focuses on encouraging novice and veteran trail lovers to come together to leave trails and the outdoor community better than they found them. Hikers, cyclists, horseback riders, paddlers, trail clubs, federal and local agencies, land trusts and businesses will partner at events across the country to forge a more inclusive trail community and advocate for, maintain and clean up trails and public lands.

American Hiking Society and the nationwide trails community invite people of all ages and abilities to connect with their friends and neighbors around the joy of being outside. Anyone can join the national movement by giving back to the trails to help ensure that everyone can enjoy the outdoors.

"There's something magical about being outdoors," says Kate Van Waes, Executive Director of American Hiking Society.

"Fresh air, birds singing, moving along a trail, or even just around the block; there's nothing quite like it," she emphasizes. "But today, those trails and green spaces are in dire need of help, and not everyone has access to or feels welcome in these places that can calm and inspire," Dr. Van Waes explains.

"National Trails Day is the perfect opportunity to get out there with the people you love, give back to the trails that bring us together and make sure no one is left out."

Not just on National Trails Day, but any day is a great time to commit to keeping the outdoors accessible and restorative for all.

Some ways you can make a difference include:

- Join a local trail event, or start your own. Search the American Hiking Society website for events in your area.

- Take the National Trails Day Pledge, and commit to leaving the trail and the outdoor community better than you find them. For example, take a trash bag with you on a walk or hike. Or speak up and tell your Members of Congress to support the Transit to Trails Act. You'll be entered to win prizes from National Trails Day sponsors AKHG by Duluth Trading Co., Athletic Brewing Co., REI Co-op, Osprey Packs, and more.

- Share how you'll leave the trail and the outdoor community better than you found them, and tag #NationalTrailsDay and @AmericanHiking on social media. Photos and videos tagged on Instagram will be entered into the National Trails Day® photo contest for a chance to win premium gear prize packages.

Visit americanhiking.org for more information and to find events near you.

American Hiking Society's National Trails Day® is made possible by the generous support of corporate sponsors -- AKGH by Duluth Trading Co., Athletic Brewing Co., REI Co-Op, and Osprey Packs. federal partners include the National Park Service, Bureau of Land Management, Federal Highway Administration, and U.S. Forest Service.

Photo credit:Verónica Miranda

Reissued: 6/15/2022 

(NewsUSA) - The most-anticipated match of the club soccer season approaches, as Liverpool takes on Real Madrid in the Champions League Final, May 28th at the Stade de France. Combined, these two have won the Champions League an astounding 19 times.

Liverpool currently sit as -170 favorites to hoist the trophy, while Real Madrid offer Champions League odds of +140.

Money Moving In on Madrid

La Liga champions Real Madrid proved themselves as the comeback kings of the Champions League this season. They stunningly overturned a last-minute, two-goal deficit in the second leg of the semifinal vs. Manchester City. In one of the most enthralling matches in the tournament's history, striker Karim Benzema scored the winning penalty to clinch Real's first UCL final since 2018.

Now, the 90-minute odds are gradually moving in Real Madrid's favor -- opening at +275, Real dropped in price to +250. (Another extra-time thriller is viewed as slightly less likely at +270.)

Los Blancos have one of the winningest managers in Champions League history, Carlo Ancelotti. His side have been on cruise control since clinching La Liga with four games to spare. Currently, Madrid's entire starting eleven is available for selection.

Fatigue, Injuries Cause Line Movements

Liverpool opened at -105, but have been expending energy in search of an unprecedented quadruple trophy haul. Liverpool's boisterous German manager, Jürgen Klopp, has constantly rotated his squad while juggling multiple concurrent competitions.

On the other hand, Madrid should have fresh legs, and analysts at the sports-betting website PointSpreads.com suggest that is why money backing Madrid has flooded in, moving Liverpool down to their current +105 winning odds.

Liverpool won the FA Cup final last weekend -- a penalty shootout victory over Chelsea -- but their second trophy of the season came with a cost. Leading scorer Mohamed Salah and key center back Virgil van Dijk left early with injuries.

Ballon d'Or Contenders on Both Sides

Real Madrid's Benzema, the imminent La Liga golden boot winner, will undoubtedly be on the shortlist for the prestigious Ballon d'Or. Liverpool's Salah and Sadio Mane have also played themselves into the conversation and Salah is the Premier League's joint-leading scorer. With no shortage of world class talent on display, bettors responded by taking the over.

Despite over 2? goals sitting at -135 odds, the last three Champions League finals finished with two or fewer goals. 

Reissue: June 15, 2022

(NewsUSA) - Memorial Day is approaching, and with it comes a simple opportunity for everyone to honor past military personnel -- wear or display a poppy. The simple red poppy flower has symbolized the ultimate military sacrifice since World War I, and National Poppy Day is gaining more attention in the United States every year.

National Poppy Day falls on the Friday before Memorial Day, which this year is May 27.

The choice of a poppy was inspired by the poem, "In Flanders Fields," written by Canadian Lt. Col. John McCrae, M.D., while serving on the front lines in World War I in Europe. Since then, the poppy has become a symbol to raise awareness and recognize the sacrifices of military personnel and their families.

The American Legion Auxiliary (ALA), a community of volunteers serving veterans, military, and their families, adopted the poppy as its memorial flower in 1921, and, in 1924, in conjunction with The American Legion, instituted the national Poppy Program. Each year, American Legion Auxiliary volunteers distribute millions of poppies, especially on veteran-related holidays.

"National Poppy Day is a time for Americans to come together and show their support for our servicemembers and veterans by wearing a red poppy -- an unforgettable and historic symbol of remembrance, sacrifice, and hope," says Kathy Daudistel, ALA national president.

"The American Legion Auxiliary is proud to make and distribute poppies each year for this solemn tradition. I invite communities across the country to join the American Legion Auxiliary to honor the fallen and support the living by wearing a red poppy on Friday, May 27."

Everyone can participate in National Poppy Day to honor the fallen and support the living. Wear a poppy or a poppy-themed item, such as a pin, T-shirt, bracelet, or even a poppy sticker, and tell people what it means. Share poppies with friends, family, and colleagues. Accept a poppy if you see American Legion Auxiliary members distributing the special flower. Poppies are never "sold," but donations are encouraged.

All donations received are used by the American Legion Auxiliary to support veterans, active-duty military personnel, and their families with medical and financial needs.

Visit poppydayusa.org for more information about National Poppy Day. Visit ALAforVeterans.org for more information about the American Legion Auxiliary.