Bond Insurance – What I Wish I Had When The Contractor Destroyed My Lawn

One of the things that you learn after you have owned a house is that it constantly requires upkeep. Whether it is in need of repairs or because your taste changes, there are countless moments that arise where you will need the help of a contractor. Unfortunately, one of my first experiences with making a change to my home was a terrible one, which resulted in a destroyed lawn at the hands of an unskilled and unscrupulous contractor. If I had had bond insurance, I could have easily recovered from this fiasco, but it took me months to finally get my money back because I had no way of holding the company accountable. So, to vent my frustration, I would like to share my story of that mistake.

It Starts With a Dream

Having lived in my house for a few years, my desire for a patio in the backyard came on quite suddenly. Debating it for a few months, I eventually mustered up the will to contact a contractor for an estimate. I was referred to a company from a friend who had had some lawn work done in the past. The company came highly recommended, and so I had faith that my experience would go equally as well. But, I was wrong.

A Dream Deferred

To this day, I have no idea why the situation turned out as bad as it did. One day, seemingly out of the blue, the contractor just stopped coming to work. My backyard was a mess with concrete and dirt spread throughout the whole lawn, and I had no idea where to begin fixing the mess. Whenever I tried to reach the contractor, he would come up with excuse after excuse. Eventually, he stopped answering my calls altogether. I had made the mistake of paying for most of the work up front, thinking that he would have finished quickly. So, when he stopped working on the patio, I had lost my initial investment, and I found it too difficult to quickly come up with some more money to hire someone else to finish his botched job. Had I had bond insurance, I could have dealt with this situation much faster, but my lack of foresight resulted in my living with the mess for nearly nine months thanks to Chicago’s beautiful winter weather.

The End of the Story

After nine months of trying to get the contractor to come and finish my patio, I was able to finally get him to come to court, where my lawsuit proved successful, and I was able to recoup my investment. Did I have to put up with a terrible lawn for a long time? Definitely. This would not have been the case had I looked into, or even known about, bond insurance, which would have reimbursed me soon after the contractor stopped coming to work. So, the takeaway from this mistake is that while cutting corners on investments may seem like a good idea in the short term, you may ultimately save yourself time and frustration by going that extra step and getting bond insurance for whatever home project you would like to tackle.

Get covered and avoid a situation like this one with bond insurance. Farmington and Albuquerque, NM, residents can rely on Menicucci Insurance Agency, LLC. Visit our website at,

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How To Impress With Your Body Language

How we impress with our body language is not only important, but necessary… to make a good impression, don’t you think so? Within the very first moment of meeting with someone, we cannot help wondering about the intentions and too often–the credibility of the other person, whether we decide to strike a business deal or a relationship–or not at all! Hence, the way we present ourselves, particularly the manner we communicate non-verbally in those first crucial moment of meeting someone new… could make or break, a potential business relationship.

Let it be known that there are some people who use it–not to communicate only, but also to entice and possibly seduce the objects of their dreams and desires. To be able to get the people they fancy, into their world and hold them within–never to let them go, is so challenging! Such seducers certainly know the art of body language! Am I one of them? Let me use your imagination.

Interestingly, here are some positive ways to use your body language to communicate your intentions and credibility–to your advantage, which can set you up for success any time.

  • Hold your posture – To begin with, have your back straight, but not rigid and your shoulders relaxed, so as not to look so uptight.
  • Remember to greet the person you are meeting, with a firm handshake. Probably, this is one of the most important body language moves, as it sets the tone for your entire conversation.
  • Be knowledgeable of the different cultural greetings and closures, prior to your meeting.
  • Align your body with the one you are speaking to, in order to show that you are engaged and not easily distracted.
  • Lean forward to give an impression that you are focused and are really attentive.
  • Maintain good eye contact, by looking at the other person in the eye when communicating. This will show that you are interested in the conversation.
  • Monitor your voice – Do keep the tone of your voice low and don’t you end every sentence as if it was a question. Learn how to pronounce your words well and clear.
  • Use your hands to gesture when the need arise whenever you are speaking, to improve your credibility with the listener. Gesturing with your hands while talking, can improve your thoughts.
  • Keep a positive head with appropriate nods and genuine smiles, to let the other person know that you do understand, agree and are listening to his or her opinions.
  • Observe the body language of the other person, as he or she may be communicating with you through it and perhaps he or she intends to conclude the conversation finally.

Do you know that people are more inclined to engage you in their future conversations, if you could reciprocate, by observing and acting on their body language cues? Not only do we dress to impress, but can also make use of our body language… to send signals across, the sole purpose of which is to reach out to the One, we so desire to impress.

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Awaken to Your Feminine Essence

What would it be like to uncover a part of yourself that you didn’t even know was missing? If you were to be able to uncover that part, would you be curious how this could make you feel… perhaps more alive and authentically yourself?

We often talk about the concept of “coming back to wholeness.” Pieces of us can get lost or buried without us even knowing. Societal influences, inheritance of familial beliefs, childhood messages, and personal trauma all shape who we are and can lead us away from our true spirit and inner knowingness.

Sexuality is perhaps the part of us that has received the most negative conditioning and suppression. While condemning of sexuality is widespread amongst all cultures and genders, women in particular bear the brunt of shaming.

For example, a man who has a strong sexual appetite is called a “stud” whereas a woman is called a “slut.”

Furthermore, in this patriarchal society, women are required to act more masculine in order to fit in at the expense of expressing their natural feminine essence. Most women don’t even realize that this is an issue until someone shows them another way.

That’s where healing comes in. The nervous system holds memories that can linger even if we can rationally understand them. We can look at early childhood wounding and see how it continues to play out in our current life.

Through healing rituals designed to support the woman in reconnecting to her feminine joyous self, she can learn to reprogram her nervous system so she no longer has to subconsciously recreate certain experiences that are no longer serving her.

As we listen to our body, memories come up that we would have never thought to look at otherwise. We can re-experience the original trauma (in a safe and nurturing way) and create a new experience – one that supports and transforms our lives for the better.

Here are the stories of three women that all had a powerful transformation once they opened up and allowed themselves to listen and to speak.

Jane’s Experience

A common theme kept coming up for Jane – she had a hard time speaking her voice. She had a deep sense of not belonging, which bled into her personal and professional life.

During a specifically designed self-love practice, she had a vivid memory of feeling violated that had occurred in her adolescence. Jane was about to go to the gynecologist for the first time. Not wanting her to be afraid, her mom demonstrated what the doctor’s appointment would be like by putting her own fingers in Jane’s vagina. To Jane, however, this was even more scary and uncomfortable than the impending doctor’s visit itself. She told her mom to get her fingers out, but her mother wouldn’t listen.

Now, while her mother was well-intentioned, the experience Jane had, was that of deep violation, frustration, and resentment. These old feelings were imprinted in Jane’s nervous system having her feel a sense of powerlessness and an inability to stand up for herself in life.

Through specifically designed practices and conversations, Jane could clear the physical and emotional constraint and reclaim her power. She was guided to go back to the moment of the experience of violation and say the things she wished she could have said to her mother. She now has access to her inner voice, her inner truth, and is able to communicate this strength to others.

Kaitlin’s Clearing

Kaitlin felt disconnected and knew there was an important link missing between her mind and body. She remembered the first time she had sex at the age of 15 – it was with an older boy and she didn’t want to do it. However, she went along with it because she did not have the ability to speak up and say “no.”

This experience and incapacity of saying “no” followed her into her adult life. As a consequence she often did not enjoy sex yet suffered through it.

By looking at the early experience head on, she was able to tap into a deep sense of powerlessness. In the present moment of the workshop role-play practice, she was able to assert herself by acting out ‘the pushing of the boy away’ that allowed her whole being and body to experience exerting control.

Through this clearing, Kaitlin was able to set herself free and reconnect to her strong feminine spirit.

Julia’s Opening

Julia had a defining experience with her first sexual encounter. She was quite young, 13, and had sex with a boy her age despite not really wanting to. When turning to her sister for help, her sister brushed it off. Julia desperately wished she could speak to her mother about it but knew it wouldn’t be well received. This left her feeling very isolated and alone, and deeply frustrated over not having any guidance.

She was able to role-play what it would feel like to have motherly guidance and sisterly support. She was brought to tears as a rush of relief and love washed over her. As she softened, she felt connected with her true self and free to self-express.

As we can see, fundamental wounding shows up differently for different women, but at the core the phenomenon is the same. Once we clear this wounding and associated decisions we made, we can open up to our true selves free of constriction and old suffering.

What we witness when a woman comes out on the other side of such clearing and healing is a softening, an ease and effortless flow in her life, relationships and work. We call this the ‘Awakening to Feminine Essence.’

Dr. Elsbeth Meuth is the co-author of “Sexual Enlightenment: How to Create Lasting Fulfillment in Life, Love and Intimacy.” She is the co-founder and director of the TantraNova Institute in Chicago offering workshop retreats throughout North America, Europe and Australia. She co-produced the bestselling DVD Series Creating Intimacy & Love and was featured on Showtime’s documentary series Sexual Healing and the Emmy Award-winning NBC show Starting Over.

Over the past decade, Elsbeth and her partner Freddy Zental have assisted thousands of couples and singles rekindle or expand their intimate and love life.

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Avoiding Emotional Pain Causes Emotional Pain

We all had to learn many ways of avoiding emotional pain as we were growing up, because we could not have survived the pain of childhood without these protective strategies – which eventually became habitual. The problem is that what once protected us against pain is now causing much of our emotional pain.

For example, Julia grew up with two very judgmental parents. Julia’s response to her parents’ judgment was to become a very good girl, getting good grades and always trying to please her parents. Since her parents’ judgment worked to get her to do things “right,” Julia learned to judge herself in order to get herself to do things right. However, instead of her self-judgment motivating her, it caused her to feel so inadequate that she would shut down and become paralyzed, unable to take loving action for herself. The more she shut down, the more she judged herself, causing intense resistance and immobilization. Her self-judgments, designed to control herself into perfection, instead were creating an inner resistance and resulting feelings of inadequacy. By trying to avoid the emotional pain of others’ rejection with her self-judgments, Julia was causing herself the emotional pain of inner abandonment.

In her attempts to avoid the core painful feelings of life – loneliness, heartbreak, grief and helplessness over others – Julia was actually causing herself the painful wounded feelings of emptiness, aloneness, anxiety and depression. She felt these wounded feelings much of the time due to the self-abandonment that resulted from her self-judgments. In her efforts to avoid all this emotional pain, she would then turn to food and alcohol. However, being overweight was also painful to her.

Obviously, the strategy for protection against the pain of rejection that she learned when she was young – self-judgment – was causing her to constantly experience anxiety, depression, emptiness, aloneness, procrastination and feelings of inadequacy. By trying to avoid pain, she was creating pain.

Mario grew up with a father who was rarely around. He drank and ran around with other women. When his father was around, he was highly critical of Mario. Mario’s mother was a sweet, caring and compliant woman who loved Mario and never complained about his father. Mario learned to be sweet and compliant with others, but he treated himself just like his father treated him. To protect himself from the pain of rejection, he was compliant with others and judgmental of himself. In addition, he had learned to ignore his own feelings, just as his father had ignored him. He felt safer when he focused on others’ feelings, trying to take care of them rather than caring about himself. As a result, Mario felt unimportant, anxious, alone and inadequate. No matter how much he gave to others and others gave to him, Mario felt insecure due to his own self-judgments and self-ignoring. His insecurity resulted in a constant fear that his girlfriend was going to leave him for someone “better.”

Just as with Julia, Mario’s attempts to avoid the pain of rejection with his caretaking, self-judgments and ignoring his own feelings resulted in more emotional pain.

Many of the people who seek my help do so because they are struggling with sadness, anxiety, depression, aloneness, loneliness, emptiness, addictions, insecurity and resistance. Underneath all this wounded pain is their intent to protect against the core pain of life that might result from rejection and other losses, such as loneliness, heartbreak, grief and helplessness over others. But in their efforts to avoid the core pain of life, they are rejecting themselves with their self-judgments and addictions. Rather than being mindful of and attending to their own feelings, they are abandoning themselves by ignoring their feelings with their self-judgments and addictions to substances and processes.

As long as they continue to protect again the deeper core pain of life that may result from rejection and other losses, they will be stuck with their anxiety, depression, emptiness, procrastination and fear.

When you are willing to be mindful of your feelings and willing to take responsibility for them, you will begin to move out of the pain that you are creating. Remember, you always have two choices in every given moment – to try to have control over getting love and avoiding pain, or to be open to learning about loving yourself. If you are tired of the pain you are in and want joy instead, start with being mindful of your feelings and being in compassion instead of judgment for yourself. Try it!

Margaret Paul, Ph.D. is the best-selling author and co-author of eight books, including “Do I Have To Give Up Me To Be Loved By You?” and “Healing Your Aloneness.” She is the co-creator of the powerful Inner BondingĀ® healing process. Learn Inner Bonding now! Visit her web site for a FREE Inner Bonding course: or email her at Phone sessions available.

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Brexit: UK Citizens of Cypriot Origin Can Obtain an EU Passport

An EU passport includes the right to live and work in any EU member-state. Following, the result of the UK referendum, the UK citizens will not have that right anymore. However, after the Leave vote, some people have the false impression that they could renew their passport immediately and remain citizens of the EU for the next 10 years. This option will not work because once the UK leaves the EU, the UK citizens cease to be EU citizens. As a result, many people are seeking an alternative passport. Consequently, Cyprus passport can be one option as Cyprus is an EU member-state since 2004.

Before presenting the necessary procedures that need to be followed in order to acquire a Cyprus passport, it should be clarified that the Republic of Cyprus allows its citizens to have a double citizenship. That is to say, British-born Cypriots may apply for a Cyprus citizenship and keep their UK citizenship as well.

In the following paragraphs, we will explain:

  • the acquisition of the Cypriot citizenship due to Cypriot origin;
  • the acquisition of the Cypriot citizenship as a spouse of a Cypriot citizen;

A.Acquisition of the Cypriot citizenship due to Cypriot origin:

Minors (under the age of 18)- Type M121 and Type M126:

a) Applications for registration of minors born abroad after the 16th of August 1960 whose father at the time of birth was a Cypriot citizen, and for minors born abroad after the 11th of June 1999 whose mother at the time of birth was a Cypriot citizen, are submitted on form M121.

In this case, the necessary accompanying documents are:

  • Applicant’s birth certificate;
  • Marriage certificate of the applicant’s parents;
  • Photocopy of the applicant’s and the applicant’s parents’ passports;
  • Certificate of registration of the Cypriot parents (where applicable);

b) Minors born in Cyprus or abroad after the 16th of August 1960 whose father or mother acquired the Cypriot citizenship after the birth of the said minor, or who were born before the 11th of June 1999 to a Cypriot citizen, are also eligible to apply for Cypriot citizenship. The form M126 needs to be submitted by the parent who is a Cypriot citizen.

In this case, the necessary accompanying documents are:

  • Applicant’s birth certificate;
  • Two photographs of the applicant (passport size);
  • Marriage certificate of the applicant’s parents;
  • Copy of the applicant’s and the applicant’s parents’ passports;
  • Certificate of registration of the Cypriot parents (where applicable);
  • The consent of the parent who is not a Cypriot citizen. However, it is not required if the Cypriot parent has obtained a court decision for exclusive parental care of the minor;


a) Adults born before the 16th August 1960- Type M70 or M71:

Persons born before the 16th of August 1960, who are citizens of the UK and its former colonies originating from Cyprus, from the male side are eligible to apply for Cyprus citizenship by submitting an application on form M70 or M71.

In this case, the necessary accompanying documents are:

  • Applicant’s birth certificate;
  • Birth certificate of applicant’s father;
  • Photocopy of applicant’s passport;

b) Adults born after the 16th of August 1960 and adults born in Cyprus between 5th of November and 16th of August – Type M123:

Persons of Cypriot origin who were born after the 16th of August 1960, whose mother is a Cypriot citizen and father a foreigner are eligible to apply for Cyprus citizenship by submitting an application on form M123.

In addition, under the provisions of section 109 of Law 141 (I)/2002, are eligible to apply for Cyprus citizenship:

  • Adults born after the 16th of August 1960 and originate from a person who became a British citizen based on the Annexation of Cyprus Orders in Council of 1914 until 1943;
  • Adults born in Cyprus after the 5th of November 1914 and before the 16th of August 1960, during which time their parents were residing in Cyprus;

In this case, the necessary accompanying documents are:

  • Applicant’s birth certificate;
  • Marriage certificate of applicant’s parents;
  • Copy of the applicant’s and the applicant’s parents’ passports;
  • Certificate of registration of the Cypriot parent (where applicable);

c) Adults born after the 16th August 1960- Type M124:

Persons of Cypriot origin born before or after the 16th August 1960 and are British citizens or citizens of any Commonwealth state and have completed one year of legal residence in the Republic of Cyprus are eligible to apply for Cypriot citizenship by submitting the application form M124.

In this case, the necessary accompanying documents are:

  • Applicant’s birth certificate;
  • Certificate of clean criminal record issued by the police;
  • Copy of applicant’s passport;

B. Acquisition of the Cypriot citizenship as a spouse of a Cypriot citizen- Type M125:

An individual who is married to a Cypriot citizen is eligible to apply for a Cyprus citizenship by submitting the form M125 after completing three years of marriage and two years of residency in the Republic of Cyprus before the date of application.

Note that spouses of overseas Cypriots are also eligible to apply for Cypriot citizenship provided that they have completed at least three years of marriage. Additionally, a letter from the couple explaining the reasons for requesting the grant of the Cypriot citizenship to the foreign spouse needs to be submitted. However, in case the couple has completed at least five years of marriage and has at least one child, then it is not necessary to submit the aforementioned letter.

In this case, the necessary accompanying documents are:

  • Applicant’s birth certificate;
  • Certificate of clean criminal record;
  • Marriage certificate;
  • Birth certificate of the couple’s children (where applicable);
  • Copy of the applicant’s passport;
  • Copy of the Cypriot spouse’s passport;
  • Certificate of acquisition of the Cypriot citizenship of the Cypriot spouse (where applicable);
  • Statement of harmonious cohabitation signed before an Officer of the District Administration Office or the diplomatic authority;
  • Statement of cohabitation from the local authority.

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Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.