Mortgage rates climb for Friday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2sozA2a

Mortgage rates climb for Friday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2sozA2a

(4) TESTERS WANTED: KBS Graphite Tour Prototype Hybrid Shafts

When golfers get custom fit, it's usually the driver and irons that get all the love. We'll try an endless array of high-end driver and iron shafts to find golfing Nirvana: ideal launch, spin, carry, dispersion and distance.

And by the time you've dialed all that in, you're too tired to even think about hybrid shafts. More often than not, you wind up with either the OEM's stock offering or a shaft that matches whatever went into your driver or fairway wood.

Well, the guy who has designed the fastest growing hybrid shaft on Tour doesn't think that's right.

TESTERS WANTED!

There's no doubting Kim Braly's bona fides when it comes to golf shafts. Braly's KBS steel shafts are among the most popular on Tour and among fitters and OEM's. And now Braly and KBS are introducing the company's first graphite shaft, the KBS TOUR Graphite Hybrid Prototype.

As the name suggests, it's a hybrid-specific shaft. "Our competitors are used to making wood shafts," says Braly. "And they view (the hybrid) as a wood. We wanted to develop a shaft that would react exactly the way our iron shafts would."

KBS says the TOUR Prototype has that signature KBS feel and creates a seamless transition from your irons to your hybrids. That, of course, is what they say. At MyGolfSpy, we're more interested in what you say. And we need 4 of you to try these shafts out and have your say.

(Please note this review opportunity is for shafts only - you'll be responsible for grip and installation)

HOW TO APPLY:

As you know, MyGolfSpy takes its product testing very seriously. All of our reader reviews are published in our Community Forum (click here to check them out). We expect a lot from our reviewers – writing a thorough, detailed and honest review is a full two-month commitment, requiring extensive range and on-course work as well as participation in the Forum itself to answer questions and discuss product performance with other golfers.

That means to be a potential reviewer you must be a registered member of the MyGolfSpy Community Forum, where you’ll find thousands of like-minded golfers from all over the world anxious to talk about golf equipment.

To apply to test, review and keep a set of 2 KBS TOUR Graphite Hybrid Prototype Shafts, here's what you have to do:

- First, if you haven't already, please sign up for the MyGolfSpy Community Forum (click here to register).

- Second, apply ONLY in the KBS TOUR Graphite Hybrid Prototype Shaft Application Thread in the MyGolfSpy Community Forum (click here).

We'll announce our testers in the Community Forum thread next week.

from MyGolfSpy http://ift.tt/2u4P48n

10 Refreshing Infused Water Recipes (With Fruit & Herbs!)

Fruit infused waters are a wonderful and refreshing drink option for summer when the sun is out, the kids are bored and the bugs are biting. TB commercials will try to convince you that only soda and processed drinks are thirst-quenching enough for summer. Of course, you probably already know better, but sometimes it is...

Continue Reading...10 Refreshing Infused Water Recipes (With Fruit & Herbs!)

from Blog – Wellness Mama® http://ift.tt/2sqBaLP

The Last Day of School

Mortgage rates in Los Angeles

See this week's average rates for the 30-year fixed-rate mortgage, 15-year fixed-rate mortgage, 5/1 ARM and 30-year jumbo mortgage in Los Angeles.

from Bankrate.com » Mortgages http://ift.tt/2skSnLO

Refinance mortgage rate rises for Thursday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2tomYaV

Mortgage rates go up for Thursday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2spUOaI

The Best Golf Sunglasses for 2017

How to Make Sugar Scrub Cubes to Gently Exfoliate Skin

I’ve made my fair share of sugar scrubs before. They’re simple and easy, but the results are impressive. This recipe kicks it up a notch by making single use sugar scrub cubes that cleanse, exfoliate and soften skin all in one easy step. A Better Way to Use Sugar Scrubs Since these are in a...

Continue Reading...How to Make Sugar Scrub Cubes to Gently Exfoliate Skin

from Blog – Wellness Mama® http://ift.tt/2tYWBFU

Soothing DIY Salve for Cracked Heels

When I married my husband, he had horribly cracked heels. Apparently, he’d had these most of his life, but as we learned more about natural living, I set out to find natural remedies for his cracked heels. In the summertime especially, when our feet are more exposed (hopefully going barefoot or in minimalist shoes), cracked heels...

Continue Reading...Soothing DIY Salve for Cracked Heels

from Blog – Wellness Mama® http://ift.tt/2shO3g9

Mortgage rates up for Wednesday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2tkrh6B

Mortgage rates up for Wednesday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2tkrh6B

{VIDEO} The Golf Shop – Spider Tour Putters

The guys from Fried Eggs Golf present:

from MyGolfSpy http://ift.tt/2sQFXtG

Tested: Alphard Golf eWheels Electric Push Cart Kit

Stop Pushing Your Push Cart

Push carts make playing golf easier on the body. Though some golfers negatively view push carts with a strange golf-must-be-as-hard-as-possible stigma, my body will attest to the joy that comes from moving the golf bag from my shoulders and onto the cart. For many golfers, myself included, less body strain leads to playing more golf, and usually lower scores.

Alphard Golf has recently launched a new Kickstarter campaign featuring a product that will make pushing your cart even easier. How much easier? How about not-having-to-push easier? Alphard Golf’s eWheels allows you to change your existing push cart into a remote controlled, electric “no-push” cart.

The eWheels unit installs in place of the rear wheels on your existing push cart. That means that in just a couple of minutes, with a couple of tools, your existing push cart can be transformed into a power cart.

Specs: Alphard Golf eWheels

• Weight: 23 pounds
• Unit Size: 11” (wheel) x 25”-33” (expanded)
• Motor: Brushless hub 130W (x2)
• Control Range: 50 Yards
• Top Speed: 5 mph
• Battery: 36V 4.4Ah Lithium Ion
• Battery Life: 27 holes
• Slope Stability: 30°
• Price: $449 on Kickstarter (will eventually retail for $599)
• Kickstarter Price with Clicgear Rovic RV1S cart: $499

Closer Look: eWheels Cart Conversion

Lots of products advertise that they are simple and quick to build. Such is not always the case though. I’m looking at you “quick and simple” IKEA dresser. Thankfully, assembling the eWheels is actually super simple. For the Clicgear 3.5+ that I converted, it was a wrench, a Phillips screwdriver, and about fifteen minutes, maybe less.

Each wheel mount on the Clicgear is attached by two bolts. You remove those bolts and mount the eWheels axle clamps in the same holes on the cart frame. With that, you are finished with the cart modifications.

Cart models with rear brakes will take a bit more manipulation to deal with the brake system, but it will still likely be a quick adjustment. Once the brackets are on, you are just two lever presses away from mounting and remote rolling.

If you don’t have the same cart as me, don’t panic just yet. There are a bunch of carts compatible with eWheels. You just need the right brackets. Check this list out and see if your cart is supported.

eWheels Performance Analysis

Transport and Parking Lot Performance

Getting the eWheels unit to the course is very easy. With the axles retracted, it’s only 25” long, and its attached handle makes moving its 23-pound mass around a snap. I can easily fit the eWheels unit, my Clicgear 3.5+, and my bag into my trunk. Remember, you removed the back wheels from your cart, making your push cart smaller, and lighter as well.

At the course, getting play ready is nothing more complicated than unfolding your push cart as usual, extending the axles on the eWheels, and then attaching the cart brackets to the axle. Of all of the design elements of the eWheels, this is the one that is most impressive. It is easy, easy, easy to get set up. This is so critical for continued use. Golf is frustrating enough without adding to that frustration before the round in the parking lot. The only other pre-round thing you need to do is to make sure that your unit is charged, and that you put AAA batteries in the remote before going to the course.

eWheels on The Turf

No matter how easy the unit is to assemble and transport, what is truly important is how the eWheels works on the course. I’ve taken my experiences with the unit and broken them down into the most relevant areas.

Cart Speed and Remote Controllability

The eWheels unit provoked many a question from onlookers, but the one I heard a lot was “How fast does it go?” I love this question, because I had it too initially, and because it’s a ridiculous question.

The eWheels unit has a range of speed settings, from slow to fast as you may expect. Changing speed requires a just simple click on the remote. My initial take on the 5 mph top speed was, “that’s kind of slow,” then I realized that the cart was steadily rolling away from me as I walked behind it. If it moves faster than I do, the top speed is likely sufficient. It’s for golf, not drag racing.

The spec sheet lists the remote range at 50 yards, but I would say that the range is longer. I bet Alphard scores this on the low side, just so they can be sure that the remote works every time. If you think about it, this is a huge thing to know for the cart. If the cart gets out of the remote’s range, and heads for the water hazard, you are likely looking at wet gear. During testing, I never once lost contact between the remote and the unit, nor did I experience any noticeable lag in response to commands. The eWheels unit stops immediately when told to do so.

Turning radius for the unit is a function of speed, and cart load. Speed-wise, the slower the cart is moving, the better it turns. It can rotate in place, but your top speed turns will be more slow sweepers. What I learned to do was to slow the unit down a click if I need more precise navigation.

Turning performance is also definitely affected by how you load your bag and cart with stuff. At one point, the unit was turning very slowly; then I realized that I had a 40oz water bottle in the bottom of my bag, thus adding weight to the front wheel and making it more difficult to slide laterally. In a fixed wheel cart, like my Clicgear 3.5+, the front wheel just slides side to side, with the rear wheels (and motors) controlling the turn. Moving the bottle to the console net immediately improved the turning of the unit, by decreasing the load on the front wheel. But be careful there too, as adding too much weight to the top can make the cart more prone to tipping back on slopes and while reversing. Balance is key, grasshopper.

Once the unit is turned on, the motors and brakes engage, and it will no longer freewheel. That means you can’t just push it. In the parking lot, I solved this problem by keeping the unit off, and freewheeling, until I got it to the first tee. The added weight makes it a bit more work to push like this, but less so than I expected.

On the course though, turning it off each time to make tight navigations would be annoying, and thankfully I figured out a fix. If you need to maneuver the cart in tight spaces, just turn it on at low speed and push it as you would normally. Now the wheels will respond nicely to your steering motions on the handle. I’d love the version 2.0 remote to have a dedicated freewheel button, but my powered-assist workaround works well too.

Battery Life

Alphard lists the battery life at 27 holes. I have not tried to grab that extra nine holes yet, but it has no problem with finishing 18. The five light battery indicator counts down the charge for you, with the lights flickering, then extinguishing as the charge depletes. I have always had at least one light on when finishing a round, so I know that there are more holes in there, but I’m not sure if it's enough for 9 more.

Like any other powered thing, how you use it will affect battery life. Hill climbing will use more juice than flat travels and watch those slopes. If it’s too steep, it can cause the cart to topple backward. On steep climbs, the motor gives enough power to climb, but my hands are on it to make sure it remains upright.

One huge thing to remember is that you will need to charge the unit before you go to play. I can see this becoming part of my pre-golf ritual, but I can also see myself forgetting to plug it in the night before. Maybe Alphard can sell a motorless axle and wheels combo as an accessory for the times when we forget to charge it. It would be nice to easily just clip the cart onto a non-powered axle in this situation, or if you are playing 36 holes that day and don’t have time for a recharge in between.

Other Notes and Observations

Much like transitioning from carrying your bag to pushing it changes how you play the game, adding a motor to your cart changes playing perspective as well. For the first few holes, I walked behind the eWheels cart, following its path as per usual push cart protocols. Later, it dawned on me that this connected following was not required. It was 105°F here in NorCal that day, and I wanted to hide in the shade as much as possible. I use an umbrella to hide from the sun as I push and quickly realized that was not really going to work as the umbrella attached to the cart rolled away. So much for the portable shade...

In a flash of brilliance, I realized that I could now separate from the cart and walk in the shade of the course’s trees, sending the cart by its lonesome down the sunny fairway. We were no longer connected by touch, and needn’t be connected by position on the course either. I could easily send my clubs to the ball from the comfort of the trees, without the added effort of actually pushing them, or the sun exposure. Like I said before, using a remote cart, like the eWheels, changes the golf experience.

Don’t completely lose focus as you wander in the trees though. You must remain mindful of steering the cart, but you are now free to walk the course unencumbered. Want to feel like a tour pro walking down the middle of the 18th while someone else carries your gear? Either get a caddy or a remote control cart.

Deals to be had, but the Kickstarter Campaign is Ending Soon

The eventual retail pricing on the Alphard Golf eWheels unit will be $599. If you compare the unit to some of the other remote carts out there, it makes for very competitive pricing when you start comparing cart features. If you act now, you can get it for less on Kickstarter presale. They have already reached the funding goal, so this one is going to deliver the products. There are a few units left at $429, and more at $449.

Yes, you do also need to factor in the cost of a push cart if you don’t have on already, but for $499, you can get the package that includes a Clicgear Rovic RV1S cart, giving you everything you need to get rolling remotely on the course.

If you want to be one of the first to have the eWheels, you’ll need to head to Kickstarter soon though as their campaign is ending in a few days.

Let Us Know

Would you interested in adding electric wheels to your push cart, or are you content with what you have?

from MyGolfSpy http://ift.tt/2tk9fBr

3 Tips to Converting a Tub to a Shower

Content originally published and Shared from http://perfectbath.com

Converting a bathtub into a shower is not as difficult as you may think. If you don’t use your bathtub for bathing, why not convert your old bathtub into a walk in shower? Here are 3 tips on converting a tub to a shower.

Determine Spacing & Placement
A bathtub to shower conversion is easiest when you situate your new open shower in the space left behind by your bathtub, since your drain lines and water supply will already be in place. Moving plumbing can add significant cost to the project, plus require bringing in a plumber.

Spacing Required for a Walk In Shower:

• At least 30 inches by 30 inches of floor space.
• At least 80 inches in height.
• At least 15 inches between the side of the toilet and the shower wall.
• Or at least 21 inches between the front of the toilet and the shower wall.
• If you plan to install a swinging door, make sure to account for the swing. Source: BudgetDumpster

Waterproofing and Drainage
Properly sealing the shower floor from water leaks will help protect your home from problems associated with water leaks, like wood rot, drywall damage and mold. Hot mops are prepared onsite and are the best way to waterproof the shower pan.

A standard drain may not be sufficient to stand the test of time. To ensure your shower remodel lasts for many years, select a high quality and durable drain. Source: Angieslist

Which Type of Shower Works Best for Your Space?
Now that you have some ideas about what you want your shower to look like, you’ll want to consider the best type of shower to install in your bathroom.

Shower stalls
All-in-one shower stalls that can be added to an existing tub-sized space can make your job easier. Many options exist with built-in ledges and shelving; some even have seating areas. The stalls typically include a curb to contain water and the option of installing any type of door you wish — or even just using a curtain.

Tiled shower curbs
A tiled shower created in the existing wall space usually necessitates a curb or ledge that will hold the door and keep the water inside the shower. The curb should be tall enough to contain moisture and short enough to step over easily. Curbs should also be polished and have smooth edges to reduce injury.

Curbless showers
Showers with no lip to contain the water make it much easier to access the shower, especially for the elderly or disabled. But beyond that, curbless showers offer a particular open look that is appealing and modern. The curbless style can also save you a little space if you’re making the most of a small area.

The issue with a curbless shower, of course, is the difficulty of containing the water. This problem can be minimized by choosing a shower screen — essentially, a pivoting glass door — and a directed showerhead that keeps the flow of water moving away from the rest of the bathroom. Source: HomeAdvisor

 

Contact:
Perfect Bath
Phone: Toll Free 1-866-843-1641
Calgary, Alberta
Email: info@perfectbath.com

The post 3 Tips to Converting a Tub to a Shower appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://ift.tt/2uh2MVa

Q & A: How Do I Use My Steam Bath For The First Time

Content originally published and Shared from http://perfectbath.com

So, you’ve taken the plunge (so to speak) and purchased your very own steam shower. Perhaps you’ve opted for a pre-fabricated, modular type that’s ready to use as soon as the pieces are properly secured and sealed. Or, perhaps you’ve splurged on a complete custom steam room. Whichever course you’ve followed, you can now have a personal spa experience any time you feel like it.

Even though you have the user instructions that came with the steam shower unit, and advice from either our support technicians or your own contractor, you may be wondering how exactly you should use your steam shower for the first time.

Best tips for getting most enjoyment out of steam shower.

Begin by ensuring that your body temperature is at room temperature or cooler. Then, turn on the steam function. Sit back on the bench and soak up the warm steam for no more than 30 minutes. Afterwards, you can cool off by stepping out of the steam shower unit. Or, you can stand under the cool spray of the water. The key to enjoying the whole experience is to move gradually from one step to the other. Don’t shock your system by jumping into hot steam or standing under cold water at the end.

Did you opt for a combination steam shower-whirlpool tub? Lucky you! You have the option of switching at will between a relaxing steam shower and soaking in a luxury steam bath. As with the steam shower, make sure your body is not already too warm before slipping into the whirlpool tub. The key is to always make sure that you don’t overtax your circulation. “Used properly, a steam bath will help to overcome the stresses of everyday life, to relax and recover, and to gain new strength and improve general physical and mental well being” .

Do you have questions about how to use your steam shower or whirlpool tub? Ask us!

Contributed by: Perfectbath.com steam shower experts

The post Q & A: How Do I Use My Steam Bath For The First Time appeared first on Perfect Bath Canada.

from Perfect Bath Canada http://ift.tt/2sYNpkW

How to Make a Composting Bin with Worms

Click here to read How to Make a Composting Bin with Worms on Hands On As We Grow

---

Today’s activity from contributor Adrianne is a perfect outdoor activity for kids who love squirmy worms!

My son loves going on nature scavenger hunts around the yard. He enjoys finding flowers, sticks, and anything that moves! But once he found a few worms, he wanted to do nothing else but find more worms! That is when I thought it would be fun to do a vermicomposting bin!

Using worms to create your own fertilizer is easy and fun! When worms eat food scraps, their castings (ahem… poop!) make great fertilizer. If your kids love nature and enjoy slimy creatures, they’ll love making their own vermicomposting bin.

While you’re outside,try exploring these other activities for nature lovers.

You Will Need:

• clear plastic bin with lid
• worms
• dirt
• leaves or shredded paper
• fruit and vegetable scraps
• spray bottle with water
• book about composting (optional [affiliate link])

Let’s Start Vermicomposting!

Prepare Your Bin.

Poke holes in the lid for air flow. Collect leaves or shredded paper and dirt to make the “bed” of your bin.

Find Worms.

We look under rocks and other objects that might be hiding little wrigglers underneath. It would be easier to buy a container of worms, but seriously this is the fun part (once you get over the sliminess!)

They are easiest to find in the morning. The saying, “The early bird catches the worm,” is actually true!

While looking for worms, we’ve found crickets, spiders, beetles, salamanders, and so many other fun creatures! We love to observe them all for a while and then put them back!

Every day we find more and more worms to add to our bin. He gets so excited every time he spots one!

Add Food Scraps.

Worms are hungry little creatures, so throw your fruit and vegetable waste in with your worms and let them get to work turning it into fertilizer! The whole “worm poop” concept has not gotten old in our house yet. :)

Maintain your bin.

We keep our bin in the garage. Keep your bin away from direct sun and in a location that isn’t too hot or cold.

Check to make sure the bin isn’t too dry or wet. Add moisture if necessary by spraying water.

Replace bedding (leaves and shredded paper) when needed. Look for worm castings, and remove when you get a good amount. Add the castings to your garden!

Want another gardening activity? Try painted rock garden markers!

Learn about worms!

When we first started our bin, our librarian read a book about composting at story time. The book was called Compost Stew: An A-Z Recipe for the Earth by Mary McKenna Siddals (affiliate link). The timing was perfect! It’s a great book to teach young kids about compost.

We also checked out a few books about worms and other creepy crawlies from the library. We both learned so much!

Would your kids enjoy a vermicomposting bin?

from Hands On As We Grow http://ift.tt/2sX41t7

Refinance rates advance for Tuesday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2udmZLq

Benchmark mortgage rate moves upward for Tuesday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2scPLPH

Refinance rates advance for Tuesday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2udmZLq

Benchmark mortgage rate moves upward for Tuesday

If you're thinking about refinancing, it may be a great time to lock in a rate.

from Bankrate.com » Mortgages http://ift.tt/2scPLPH

86: The Science of the Oral Microbiome and Remineralization with Will of OraWellness

OraWellness has long been one of my favorite companies with a mission I really support. My guest today, Will Revak, started OraWellness along with his wife Susan after they found a way to reverse her gum disease naturally. (Most dentists say this is impossible!) Today, Will and Susan are self-taught experts in holistic oral health...

Continue Reading...86: The Science of the Oral Microbiome and Remineralization with Will of OraWellness

from Blog – Wellness Mama® http://ift.tt/2td0Hx9

7 Summer Art Projects to Do Outside

Click here to read 7 Summer Art Projects to Do Outside on Hands On As We Grow

---

Summer is a time of play and being outside creating these summer art projects… and that always seems to lead to dirty hands and faces.

Whether it’s doing sandbox activities or big art projects like these, don’t let mess get in the way of making memories this summer (you know, you only have so many summer with your kids before they leave).

Here’s 7 summer art projects we’re doing this summer to make lifetime memories, lots of giggles and big, big smiles.

7 must-do summer art projects, regardless of the mess

Mix together a batch of window paint and go to town painting the windows and doors outside! Kids absolutely love this. All you need is dish soap, paint (or food coloring and corn starch).

Paint with mud. Just do it. Seriously, take down your guard and let the kids go with this. Mix up a batch of mud and hand over some paintbrushes and let them paint! They will think you’re totally awesome and the giggles will be so worth it.

Add some dish soap to paint and drive through it to paint with big trucks and cars down the sidewalk or driveway.

Enjoy the drips when painting down a slide! Add a tad bit of water to paint and pour it down paper on a slide. Watch the creativity happen!

Create your own spray chalk with equal parts baking soda, corn starch and warm water. Add food coloring. Create colorful art on a hanging white sheet! Or spray it on sand to make colored sand castles!

Classic art project that you gotta try! Tie dye! Tie dye anything, a t-shirt or a pillow case or a sheet! It’s so magical!

Dip a ball in some paint and roll it! Add paper down the sidewalk if you’d like, or just paint the sidewalk.

Quick Cleanup Tip! Add dish soap to any painting outside for easy clean up.

What kind of crazy outdoor art will your kids do this summer?

 

from Hands On As We Grow http://ift.tt/2agZQkf