What is an Immediate Annuity Calculator?

With so many Americans alive at retirement age, it is no longer feasible to rely on Social Security to provide any income once you retire. At current, anyone born in 1972 or later can expect to receive no Social Security income when they retire. This is a sad fact of life, but it is very true.

In order to insure your future and your retirement it is imperative that you invest in an annuity. If you are already at retirement age and finding yourself in a bind then you should use an Immediate Annuity Calculator.

An Immediate Annuity Calculator is used to calculate the interest on a specific type of annuity called an immediate annuity. This type of annuity is typically purchased from your Age calculator insurance agent and is an investment that requires you to have a great deal of up front cash, but supplies you with income for the rest of your life once you retire. Using an Immediate Annuity Calculator can help you decide how much money you would need up-front in order to live comfortably for the rest of your life.

An immediate annuity is not actually considered a long term investment. Essentially, an individual who has not planned in advance for retirement, or has found that their initial investment for retirement have fallen through, uses the immediate annuity to assist them in filling the financial void that retirement is going to leave. By using the Immediate Annuity Calculator, you can determine how much the difference is between what you are going to be actually getting from another source and how much you will need to remain comfortable.

An Immediate Annuity Calculator can be found on-line by doing a search for Immediate Annuity Calculator. The Immediate Annuity Calculator has three boxes for information, the first one is how much you have available to invest, the second box is the interest rate that you expect to receive, or what has already been quoted to you, and thirdly, how many years after retirement you expect to live. Be generous when filling in that cell, the average life expectancy of a man is 82 and a woman is 89, with those numbers being the median, you could very well survive to be 100!

Once you have put these numbers in the Immediate Annuity Calculator, you press the calculate key and you can see how much your investment is going to yield you weekly, monthly, and yearly. This will give you a clear idea if what you have to invest is going to be enough for a secure investment such as an annuity, or if you need to take a bigger risk and seek a more volatile, yet higher yielding, market for your investments.

From Concrete Stain to Concrete Pavers, More to Know About This Age Old Material Than You Might

You might think you know all there is to know about concrete. If so, maybe you should think again. Sure, it has been used time and time again for patios, driveways, sidewalks and the like. When most people think of concrete they think of a solid and dependable material that they can use and then forget about. Yet it is much more than the basic tried and true material we’ve come to rely on. With its varied uses and adaptability, along with related tools and materials, it can be shaped and molded beautifully to complete an almost infinite amount of DIY and contractor managed projects.

Just including a splash of color can turn a basic floor or patio into a surface of which any homeowner can be proud. An application of concrete paint will work magic on any concrete surface. Concrete POR34 stain too can make a big difference — see how a boring, forgettable surface is transformed into one that is colorful and attention grabbing within just a few hours.

Put the finishing touches and protect your project with concrete sealers. Sealers can add years of life to patios and garage floors, for example. Plus, when added to a newly stained or painted surface, they will add an extra level of brilliance and luster.

The use of sophisticated machinery has given the DIYer and the professional infinitely more creative options. Using concrete grinding tools will restore a dull surface to its former glory. Concrete polishing can accentuate the beauty of a newly fabricated surface or bring back to life the old and the dull.

Other products can be used to express your creativity and save considerable money in the process. Concrete pavers, as an example, when used to create driveways and patios, make for uniquely attractive finished products. The variety of pavers, in terms of colors and designs, eliminates any and all restrictions for the artistic DIYers and contractors.

Stamped concrete is another terrific option for anyone looking for something unique while trying to work within a budget. Decorative concrete stamps used to make patios, for example, can aid in creating works of art on which to sit and relax. So there is no need to break the bank for the purchase of fancy materials when concrete will do the job far more cheaply.

Concrete is equally adaptable and effective to work with on the inside of the home. Bathrooms and kitchens can be made into mini-museums by outfitting them with concrete countertops. Staining, coloring and then polishing with concrete polishing tools will get your countertops ready for the art gallery unveiling.

Choosing Fat Burners Based on Your Fitness Goals

We all like to look our best because if we look our best we feel our best. Self-confidence has always been considered to be the key to success because with it, you fearlessly go for what you want. A great smile for example, is said to be a very influential factor for achieving your goals in life because with it you can engage people’s attention, draw them to you and make them see what you can do.

Having a great body as well, is not just being healthy but also enabling yourself to let the world know that you are confident and ready for anything it has to offer. No wonder people are willing to go to great lengths just to get the body they want if only to get best keto supplements — best keto pills 2020 anywhere in life, including taking fat burning supplements to speed up the process of losing weight.

The thing about fat burners is that they come in many types and are available in a multitude of brands that can make your head spin. They are also not created equal and each fat burner has something different to offer depending on what you need from them and what you need to achieve as far as your fitness goals are concerned.

To make your decisions easier, you will need to disregard any marketing hype or hearsays about the products you are considering. Base your selection on hard facts, backed up by thorough internet research or a health professional’s opinion. Write down what you feel you need to achieve – do you want more energy? Did you want to increase your metabolism or suppress your appetite? Essentially, all fat burning supplements can offer these benefits but you really need to get down to the nitty-gritty if you want to choose the one that’s perfectly right for you.

Most weight watchers would begin by comparing the various products available, starting with whether or not they prefer synthetic or natural ingredients. Those who want to go for natural would look for ingredients like L-carnitine, CLA, green tea extracts and caffeine. Those who are alright with synthetic will choose to go with 7-keto and other chemical compounds to accelerate weight loss.

Another basis for selection would be whether to ingest the supplements in liquid, gel capsules or tablet form. Tablets and gel capsules are what most people prefer but it would take a longer time for the body to absorb it whereas a liquid fat burner would be faster and more easily absorbed but the taste could be quite unpleasant. Thermogenic fat burners, the most commonly used among fat burner types, often comes in the form of tablets and gel capsules but can work faster since they elevate your body’s temperature, which in turn speeds up your metabolism so you burn fat faster.

Of course, never assume that you can just go ahead and buy anything you want. While fat burners are usually considered safe, there are fat burners that can cause complications when mixed with other medications that you may be taking. Symptoms like dizziness, high blood pressure, migraines and heart palpitations are just some of the negative side effects that are associated with fat burners.

And lastly, it is also recommended that you cycle your fat burners because constant consumption can put stress on your central nervous system. Going off them for about six to eight weeks can help you avoid this risk and make your fat burners work even better.

Modern Dental Composites and Aesthetic Appeal

Applying dental composite for patients with teeth that don’t look the way they used to, yet are still considered to be healthy and stable. People turn to this wonderful type of dental supply on a daily basis to provide them with an aesthetically pleasing and quite natural look.

What’s best? It can be done with a very simple and non-invasive treatment. The composite resin may also last up to an entire decade without failure, and it can be applied in only two treatments.

It can always be a real challenge to harden the composite using the LED curing light because it is not able to penetrate more than 2-3 mm past the surface. It’s important that the amount midmark of composite applied is not too thick as it will never dry and become durable. Instead, it will remain soft underneath and could damage, irate, or kill the dental pulp below.

By having unpolymerized composite in contact with the tooth’s nerve, the patient will be in a great deal of pain. This is why it should be placed in a deep filling one layer at a time. By curing each application at 2-3 mm at a time, it will allow the filling to become most durable for a long life span inside the patients mouth.

The dentist needs to be careful and adjust the patients bite as to not affect the composite filling. For example, if the filling is too high, it could lead to severe discomfort and other types of sensitivity on the tooth being treated. A clinician has best applied composite resin when it is comfortable, natural looking, and very durable.

Today’s most common types of composite resins have low shrinkage properties, and reduced coefficients, which helps them be applied more efficiently. By maintaining good adaptation to cavity walls, the patient’s teeth will look like new!

Close attention must be paid when working with this type of procedure or it could result in catastrophe. Using the air gum, the dentists must keep the tooth completely dry while applying the resin for maximum adhesion. Typically, dental composites are placed while still malleable and can be worked with to create the permanent shape. After everything is in place, the LED Dental curing light is used for hardening the product.

Currently, dental resins are one of the most essential materials in modern cosmetic dentistry practices everywhere. Dental composite materials were first used as a more durable solution to less stable bonding agents and such.

Today, these types of specialized composites are applied across a wide range of different procedures, and it’s now one of the top materials used for pediatric tooth repairs and more. In the past, surgery was the best way to fix many of these issues, but thanks to dental composite, it can be a painless and fast procedure.

A good dentist works with a team of professionals who know how to select the perfect shade of resin to match patient’s teeth. In most cases, the patient shouldn’t be able to tell the difference from their own teeth. Typically, there is little to now preparation time deeded, and the procedure doesn’t require anesthesia as it is noninvasive.

Understanding Utility and Importance of Electronic Keyless Door Locks In Modern Life

Gone are those days when you looked for what seemed the most durable and rugged door lock for securing your home in your absence! Yes, the age old deadbolts and manual locks still serve their purposes and a majority of homeowners rely on these equipments to safeguard their houses from burglars and intruders. However, security technology has reached new heights and it is time you analyze the home security options once.

Why you may consider buying an electronic or keyless door lock setup

Contrary to what most people still think, the electronic keyless door locks are not luxurious gadgets. They can be used to augment existing security of your home and using these makes things really convenient for you.

There are digital locks that can be used in alliance with existing manual locks, so using these can actually boost the safety level.

The digital locks are operated by Bluetooth and similar wireless technologies. Imagine a situation when you are returning home after shopping, tired like a stone. The convenience of unlocking the door with a command of your finger is handy.

Like many others, you already use the Smartphone to accomplish a lot of mundane tasks including booking tickets, paying bills, buying grocery etc. Will not it be cool to use it to lock and unlock the doors too!

Buying the right type of digital locks

Home security technology is evolving fast and you can get baffled by the variety and abundance of the digital electronic door locks in the market. You need to analyze your usage needs, priorities and budget before buying one such lock.

Retrofit units– There are some digital locks which can be added on top of your existing door lock. These retrofit units do not cost a lot and setting these up is not too hard either.

Bluetooth based locks– You will find a range of digital door locks that are Bluetooth operated. The benefit is they are simple to operate, and you need just the tablet or phone to use these devices.

You can find more advanced wireless digital locks and more are emerging. The wifi based and voice assistant controlled units are also now available but they are still priced steeply.

Becoming A Soccer Coach – Essential Advice That You Need To Know

Many people harbor dreams of becoming the ultimate soccer coach. In this article, I can help your dreams come true.

Soccer (or football) is a global sport. In fact, if you didn’t know already, it’s the biggest sport in the world with fanatic followings in every country and corner of the globe.

This means that you are normally in one of two situations:

– you live in a country that is passionate about the sport and everybody loves soccer.

– you live in a country where soccer is overshadowed by other sports but is growing rapidly.

The great thing is, you can succeed as a soccer coach in both types country.

For the more “soccer developed” country, there is much more competition to be a soccer coach. Everybody follows football or soccer and everyone has an opinion on it. In these truc tiep bong da hom nay countries, there are also many women who will casually have an opinion on the game or a team. This means that it can be hard to differentiate yourself as nearly everyone’s knowledge comes from television, articles, newspapers etc.

You should try to read the less common information out there. There are many other books out there with great information on how to become a soccer coach. These books contain information on tactics, strategy, team selection, drills, attitude and more. These will really set you apart from your competition.

Secondly, the coaching system will be more established in your country and this is a good thing. Contact your national soccer association and find out what kind of coaching badges you can take. As soon as you get your first badge under your belt (and the first is usually really easy), then you can differentiate yourself and doors will open. Get your second badge and you will be laughing.

In less “soccer developed” countries, in fact you have a superb advantage. Even in the USA, because soccer is not part of the national psyche, your existing knowledge from just being a fan will put you in a great position. You can be seen as a higher authority than in other countries.

But I still recommend that you read as much as you can about becoming a soccer coach. Knowledge is key and the biggest football coaches in the world learn as much, if not more, than your average university professor.

Apart from reading there is also another great way to get knowledge: volunteer at your local team to become an assistant coach or help out. A lot of lower league coaches don’t get much help or budgets and they will really welcome the help that you can give them. In return you can get some good experience and excellent advice from the coach.

8 ที่เที่ยวขอนแก่น สถานที่เที่ยวที่คุณจะต้องไปสักหนึ่งครั้ง

 

จังหวัด ขอนแก่น มีขนาดพื้นที่ใหญ่เป็นชั้นที่ 6 ของภาคอีสาน และก็มีมวลชนเป็นชั้น 3 ของภาคอีสาน เป็นจังหวัดศูนย์ทำการของกรุ๊ปจังหวัดภาคอีสานตรงกลาง เมืองขอนแก่นตั้งอยู่ที่ถนนหนทางมิตรภาพ (ถนนหลวงแผ่นดินเลข 2) แล้วก็ถนนหลวงแผ่นดินเลขลำดับ 12 (ถนนหนทางสายเศรษฐกิจทิศตะวันออก-ตะวันตก) ผ่าน ซึ่งเป็นทางสำคัญสำหรับการเดินทางจากภาคอีสานใจกลางเข้าไปสู่ภาคเหนือตอนล่างที่อำเภอหล่มสัก จังหวัดเพชรบูรณ์ และก็เดินทางไปสู่ประเทศลาวทางทิศใต้ของลาว ขอบเขตทางทิศเหนือใกล้กับจังหวัดเลย จังหวัดหนองบัวลำภูเขา แล้วก็จังหวัดอุดรธานี ทิศตะวันออกใกล้กับจังหวัดมหาสารคามและก็จังหวัดกาฬสินธุ์ ทิศใต้ชิดกับจังหวัดบุรีรัมย์แล้วก็จังหวัดนครราชสีมา ทิศตะวันตกชิดกับจังหวัดชัยภูมิแล้วก็จังหวัดเพชรบูรณ์

เลือกบริการ เช่า รถ ขอนแก่น กับ Drivemate เช่ารถราคาถูกที่สุดในไทย

1.ศาลหลักเมืองขอนแก่น
ศาลหลักเมืองขอนแก่น เป็นสถานที่เคารพสักการะของชาวขอนแก่น ตั้งอยู่ที่ศาลาสุขใจ ถนนหนทางอารักษ์ หน้าที่ทำการเทศบาลนครขอนแก่น ท่านเจ้าคุณปู่พระราชสารธรรมมุนีแล้วก็หลวงธุรนัยไตร่ตรอง สมัยก่อนผู้ว่าขอนแก่น ได้นำหลักแผ่นจารึกมาจากโบราณสถานในท้องที่อำเภอชุมแพมาประกอบพิธีตามวิถีทางพุทธศาสนาทำเป็นหลักเมืองตอนวันที่ 20 เดือนสิงหาคม พุทธศักราช 2499 ถัดมาเมื่อ ปี 2549 เทศบาลนครขอนแก่น ได้ทำซ่อมแซมศาลหลักเมืองขอนแก่น ตามโครงงานซ่อมปรับปรุงซ่อมแซมศาลหลักเมืองรวมทั้งในวโรกาสมแบกงคลยุคเพื่อน้อมอวยพรชัยมงคลแก่พระบาทสมเด็จพระเจ้าอยู่หัวภูมิพลอดุลยเดชมหาราชทรงเจริญพระชนมายุ 80 ปี โดยผลของการคัดผู้รับเหมาทำการก่อสร้างแนวทางพิเศษ

 

ได้ตกลงว่าว่าจ้าง ห้างหุ้นส่วนจำกัดแก่นชาญธุระวิศวกรรม มาดำเนินการก่อสร้าง เสร็จและก็มีการสังสรรค์สมโภชศาลหลักเมืองขอนแก่น เพื่อสรรเสริญพระบาทสมเด็จพระเจ้าอยู่หัวฯ 80 ปี ตอนวันที่ 3 ธ.ค. 2550 สิ้นค่าก่อสร้างกว่า 54 ล้านบาท ศาลหลักเมืองขอนแก่นที่เปลี่ยนแปลงใหม่นั้น อยู่ ณ รอบๆจุดเดิม ลักษณะตัวตึกมีศิลป์รวมทั้งสถาปัตยกรรมไทยปรับใช้ หุ่นแล้วก็องค์ประกอบงานศิลปเป็นการสงวนงานสถาปัตยกรรมที่สำคัญของ แคว้นอีสาน ขนาดและก็ทรงเป็นเป็นตึกโถงจัตุรมุข กว้างใหญ่ภูมิฐานกว่าของเดิมมากมาย โดยมีขนาดตัวตึก 13 x 13 เมตร องค์ประกอบเป็นคอนกรีตเสริมเหล็กมีพื้นที่ข้างในเป็นห้องโถงรวม 73 ตารางเมตร ย่อมุมตัวตึกรอบๆมีระเบียงยื่นทั้งยัง 4 ด้าน ความสูงจากพื้นลานรอบตึกถึงถึงยอดฉัตรทองรวม 27.50 เมตร หลังคาเป็นทรงจั่วจัตุรมุขหลังคาซ้อน 3 ชั้น แล้วก็ชั้นเครื่องยอดเป็นรูปเจดีย์ศิลป์พื้นบ้านอีสาน โครงร่างเป็นเจดีย์เลียนแบบจากองค์พระบรมสารีริกธาตุขามแก่น

2.ศาลหลักเมือง (เมืองเก่า)
ศาลหลักเมือง (เมืองเก่า) เป็นศาลหลักเมืองหรือบือบ้านที่ท้าวเพี้ยเมืองแพนได้ตั้งไว้ ณ รอบๆจุดศูนย์กลางหมู่บ้าน เป็นเสาหลักเมืองขอนแก่นหลักแรกก่อนการย้ายเมืองอีก 5 ครั้ง ปัจจุบันนี้ตั้งอยู่รอบๆตรอกกลางเมือง 21 ข้างๆศูนย์เพื่อนแท้

3.พระมหาธาตุแก่นนคร
พระมหาธาตุแก่นนคร ตั้งอยู่ข้างในวัดหนองแวงวัดหลวง ถนนหนทางกลางเมือง เป็นศิลป์ยุคทวารวดีประสมประสานศิลป์อินโดจีน ทรงแบบชาวอีสานตากแห มี 9 ชั้น เป็นที่ตั้งพระบรมสารีริกธาตุ มีการตกแต่งด้วยลวดลายแกะ แล้วก็ภาพลายเส้นอย่างงดงาม เป็นสถานที่เคารพสักการะของชาวขอนแก่น และก็เป็นสถานที่ดูทิวทัศน์เมืองขอนแก่น

4.อนุสาวรีย์นครหลวงศรีบริรักษ์
อนุสาวรีย์เมืองหลวงศรีบริรักษ์ ตั้งอยู่ที่สวน เจ.ซี. ถนนหนทางรอบสระ เมืองหลวงศรีบริรักษ์หรือท้าวเพี้ยเมืองแพนเป็นเจ้าขุนมูลนายเชื้อพระวงศ์กษัตริย์เวียงจันทน์ มีลูกสาวชื่อนางคำแว่นเป็นสนมเอกในพระบาทสมเด็จพระพุทธยอดฟ้าจุฬาโลกมหาราช ในปี พุทธศักราช 2332 ท้าวเพี้ยเมืองแพนได้พาพรรคพวกราว 330 คน ย้ายถิ่นมาอยู่ที่บ้านบ่อน้ำบอน ขึ้นตรงต่อพระยานครราชสีมา ถัดมาในปี พุทธศักราช 2340 พระบาทสมเด็จพระพุทธยอดฟ้าจุฬาโลกมหาราชโปรดเกล้าฯ ชูบ้านบ่อน้ำบอนขึ้นเป็น “เมืองขอนแก่น” แล้วก็ชูยศท้าวเพี้ยเมืองแพนขึ้นเป็น “นครหลวงศรีบริรักษ์” ผู้ว่าราชการจังหวัดคนแรกของจังหวัดขอนแก่น ในปี พุทธศักราช 2525 พสกนิกรชาวขอนแก่น ได้พร้อมใจกันสร้างอนุสาวรีย์นครหลวงศรีบริรักษ์ขึ้นเพื่อเป็นที่ระลึกนึกถึงรวมทั้งเคารพสักการะของคนเมือง

5.น้ำหายท่าอากาศยาน
น้ำหายท่าอากาศยาน ตั้งอยู่รอบๆถนนหนทางหน้าศูนย์ราชการ ตรงกันข้ามสถานที่เรียนท่าอากาศยานด้านทิศเหนือ เป็นแอ่งน้ำประวัติศาสตร์ที่มีมาก่อนที่เมืองขอนแก่นจะมีน้ำน้ำประปาบริโภค เป็นจุดศูนย์รวมดวงใจของชาวขอนแก่น เป็นแหล่งน้ำที่หล่อเลี้ยงชีวิตของชาวขอนแก่นในอดีตกาล รวมทั้งให้ท่านคุณประโยชน์ที่ยิ่งใหญ่แก่ประชากรชาวขอนแก่นมาเป็นเวลายาวนาน

6.พระบรมธาตุขามแก่น
พระบรมสารีริกธาตุขามแก่นตั้งอยู่ที่วัดเจติยภูเขาไม่ บ้านขาม กลุ่มที่ 1 ตำบลบ้านขาม อำเภอน้ำพอง เป็นสถานที่ควรค่าแก่การเคารพบูชาของจังหวัดขอนแก่น บ้านขามเคยเป็นเมืองมาตั้งแต่อดีตกาล ตรงเวลาโดยประมาณ 2000 ปี ตั้งแต่ พุทธศักราช 500

7.สระเหลิงหวาย อำเภอพล
บ่อน้ำเหลิงหวาย เป็นบ่อน้ำขนาดเล็กซึ่งเป็นที่ตั้งของศาลเจ้าเหลิงหวาย แล้วก็เป็นที่กราบสักการของคนประเทศไทยเชื้อสายจีน แล้วก็เป็นที่พักผ่อนพักผ่อนยอดนิยมเป็นอย่างยิ่ง

8.วังเปือยน้อย
วังเปือยน้อย ตั้งอยู่ที่ อำเภอเปือยน้อย เป็นวังศิลป์เขมรโบราณผสมระหว่างศิลป์เขมรแบบบาปวนและก็แบบนครวัด ผลิตขึ้นในราวพุทธศักราชที่ 16-17 เพื่อใช้เป็นเทวสถานในศาสนาฮินดู เป็นวังที่มีความสมบูรณ์ที่สุดในเขตภาคตะวันออกเฉียงเหนือตอนบน

 

Apartments For Rent In Amsterdam

1.) Archimedes in Amsterdam – This spacious apartment fits at least two persons, and is fully furnished with three bedrooms. It is conveniently located near a shopping area in Midway or Linneausweg. On the first floor, you will find a living room, a kitchen and a dining room while on the second floor you will find two bedrooms and a bathroom. It rents for 1,500 per month.

2.) Stadionkade in Amsterdam – This two-bedroom apartment is located in the Old South. The charming interiors are light and sunny with high finishing details and feature very good noise insulation so you remain comfortable while indoors. The kitchen is fully equipped with a dishwasher and microwave oven and the entire apartment is central heating. This rents for 1,800 per month.

3.) Herengracht in Amsterdam – This apartment has three bedrooms and is designed with very modern and sleek minimalist interiors. It is located on a corner in the famous Wolvenstraat Street and features three floors. The first floor has a spacious living room with a para grus cam ranh beautiful fireplace, on the second floor there is a kitchen and a dining room, on the third floor, you will find the master bedroom and a huge bathroom, and on the fourth floor, there are two more bedrooms including lots of cupboard space. This rents for 3,250 per month.

4.) Prinsengracht in Amsterdam – A stylish apartment good for one or two persons, this features a beautiful open kitchen and cozy living room, a marble floor with floor heating, a spacious bedroom, and a luxurious bathroom with bidet. It has a fantastic view of the canal and a great location. It is just newly renovated so it is perfect for those who are looking for a new place. This rents for 1,550 per month.

These are just some of the apartments you can consider on renting when you get to Amsterdam. If you do a much serious research, there are several wonderful choices of apartments to rent when you visit this magnificent tourist spot.

 

Quality of Memory Foam is Being Used in Your Memory Foam

Memory Foam Dog Beds are all the rage right now – everyone is selling an “orthopedic” pet bed. But wait… is this dog bed really orthopedic? Are you getting what you are paying for? How can you tell? What questions should you ask? Are there different qualities of foam? How do I spend my money wisely?

Let us help you understand the different qualities of foam available in the market today because there is wide range of qualities — and not all foam will give your pet the comfort and support they deserve. Plus a lesser quality foam will not last as long as a higher quality foam.

What makes a pet bed orthopedic? If a pet bed completely eliminates all painful pressure points then it is truly tui zipper an orthopedic pet bed. For dogs with arthritis, hip dysplasia, and joint issues this is especially important.

There is only one material known to man that completely eliminates all painful pressures points and that material is memory foam.

Next, it is important to ask what quality of memory foam is being used in your orthopedic pet bed. There are currently 3 qualities of foam.

5 pound memory foam – this is the finest quality available on the market today – there is no finer quality.

4 pound memory foam – this is generally the quality of foam used on most “human” beds.

3 pound memory foam -many orthopedic dog beds use the lesser quality 3 pound foam (which is even known to lose its “memory” over time).

Then when you think there could not be a quality below the 3 pound foam – we find some dog beds using a foam is under 2 pounds. In fact, there is a well advertised ‘memory foam’ pet bed on the market today using a one inch layer of 1.7 pound memory foam!

Believe me, if the manufacturer of your orthopedic dog bed is using 5 pound memory foam – they will tell you! If the manufacturer is using a lesser grade foam – they will often omit that information.

We want the best for our pets. If you are considering investing in an orthopedic pet bed, be sure to ask what quality of foam is being used in the orthopedic dog bed you are considering purchasing!

Another advantage in purchasing a higher quality orthopedic bed is the ‘memory’ in the foam will last for years. Higher quality foam keeps its ‘memory’ and will not sag in the middle over time…nor will the foam break down and become lumpy. Why would it become lumpy? Because you can make a really, really cheap foam from re-ground memory foam – and clearly that inexpensive foam will disintegrate over time.

The Top Online Games

Online games are a huge hit in today’s world. Almost everyone who gets on the Internet has tried an online game at one time or another. And while some are so mediocre that you might quickly forget about them, others are such a gem that they’ll never be forgotten. From massive multiplayer online games to single player puzzle games, there is something out there for everyone. If you’re interested in trying out one of more of the most popular online games of 2011, consider checking out the following options:

1. World of Warcraft
This game has been going strong for years, and there is no slow down in sight. It’s considered an MMORPG (massive multiplayer online role playing game) and it provides hours upon hours of fun for people throughout the entire world who have access to the Internet and a decent computer. Players choose characters and names for themselves and set out into the world to take on sa gaming quests, meet up with other real life players, and to fight the good fight as the story line develops. If you want to get your hands on this game play, you can get a free ten day trial but you will have to pay about $15 a month for access thereafter.

2. Lord of the Rings Online
This is another MMORPG that has gained in popularity since it’s inception. It is similar to the World of Warcraft in that it’s set in a world where people can meet up with and talk to one another no matter where they might be playing, and quests along with story lines drive what this game has to offer. Unlike the World of Warcraft however, you aren’t required to pay a monthly fee in order to play. This is a good game to get your feet wet if you are new to the world of multiplayer online gaming.

3. Star Wars: The Old Republic
Those who love the movies or just like looking at the characters will like this game concept. Set in the deep dark universe, players get to travel around space and complete quests that will help them and their fleet conquer the evil forces that abound. The galaxy is a huge one so don not expect to get bored too easily or quickly.

4. The Agency
This game is a little different than your average MMORPG as it also incorporates shooting and strategy in addition to the role paying aspect of it all. There are two factions to choose from when playing, both of which are pitted up against each other in the ultimate battle for control.

5. Guild Wars 2
This is a remake of the original game that was debuted years ago. There is a lot of new game play and options available in the newest version, which is creating quite a buzz among die hard online gamers. With updated quests, character options, and story lines, this is expected to be one of the hottest new games of the year.

These are the best of the best. So, whether you want to play the best, download free games, or play free games online, there are quite a few options. But, if you want to know what the top 5 games for 2011… here is your list.