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Contact your healthcare provider by phone before coming to a clinic or hospital if you meet the following criteria:
Symptoms such as fever, cough or shortness of breath, fatigue, headache, muscle or body aches, loss of taste or smell, sore throat, congestion or runny nose.
Contact with someone with confirmed COVID-19 within 14 days of onset of systems
We have located 5 free and income based clinics in or around Newark, Ohio.
We listed all of the free, income based health clinics, public health department clinics, community health centers that we have located in Newark, OH. For the most part these clinics are for low income persons or those without insurance.
Review all of the information we have provided for the clinics. Some of them provide a wide array of services ranging from free to sliding scale services. We have provided as much detailed information including phone numbers, emails, and websites where available.
Clinic services we list include:
Medical Clinic Services
Women's Health Clinic Services
Adult Health Clinic Services
Pediatric Dental Clinic Services
Behavioral Health Clinic Services
and more!!
Community Health Clinic Newark Ohio - Newark
The Community Health Clinic (CHC) provides basic medical care to the working poor and uninsured citizens of Licking County. We do not have a dental clinic. Click on About Us for more information. Appointments are made by phone for day of clinic only. You must have an appointment. A $5.00 do see clinic details
Fairfield County Community Hea - Lancaster
Location: 26 miles from NewarkLancaster, OH - 43130
Sliding Scale
Fairfield Community Health Center is a Federally Qualified Health Center or FQHC. FQHC's are community-based and patient-directed organizations that serve everyone, especially populations with limited access to health care. Fairfield Community Health Center is open Monday thru Thursday from 7: see clinic details
By The Way, Inc. Medical Mission - Free Clinic - Lancaster
Location: 27 miles from NewarkLancaster, HI - 43130
(740) 653-5734
Regular Clinic hours are 6-8 pm, the 1st and 3rd Tuesday of every month. Patients come as walk-ins with no appointments. The clinic is located in Lancaster, Ohio, at 1029 S Broad St, on the campus of the Maywood Mission, in the main office basement. The clinic is handicapped accessible. Click h see clinic details
White House Clinic Mt. Vernon - Mt. Vernon
Location: 21 miles from NewarkMt. Vernon, KY - 40456
White House Clinics provide a full range of healthcare services for your whole family, close to home. We operate five community health centers in Jackson, Rockcastle, Garrard, Estill and Madison Counties, Kentucky. We offer pediatric, family, and internal medicine, dentistry, mental health 'even a f see clinic details
Vineyard Community Church FREE Clinic - Etna
Location: 20 miles from NewarkEtna, OH - 43068
1st Wednesday of every month 6:30 PM - 8:30 PM FREE medical (work physicals, prescriptions) pregnancy care center (pregnancy testing, ultrasounds), vision, legal, computer or bicycle repair, hair-cutting, dog obedience training, tax preparation. Every Wednesday 6:30 PM - 8:30 PM medical, pregnancy see clinic details
Are You Looking For Free Dental Clinics In Ohio?Ohio Free Dental Clinics
- Heath
- Newark
- Pataskala
- Alexandria
- Buckeye Lake
- Croton
- Etna
- Granville
- Hebron
- Homer
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Your Simple Guide to Losing 20 Pounds
The trend in our culture is toward gaining a pound or two every year. This is one trend that you shouldn't follow. You can easily stop this trend and maintain your weight by cutting a mere 100 calories from your diet each day. If you want to rever
Lower Blood Pressure Naturally
High blood pressure, also known as hypertension, is often the underlying cause of a heart attack or stroke in people as young as forty. Both of these things in the top three causes of death in the United States. Anyone who is diagnosed with hypert
How to Naturally Lower Cholesterol
High cholesterol levels can cause cardiovascular disease, heart attack or strokes. There are several ways you can help reduce your LDL (bad) cholesterol and increase your HDL (good) cholesterol levels naturally.
Cholesterol is a waxy
Popular Diets To Avoid At All Costs
According to the CDC, as many as two-thirds of Americans are either obese or overweight, so it is no surprise that losing weight is a big business, spawning a new diet trend every few years. Unfortunately, while fad diets are big on promises, they


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New Delhi: As many as 33 trains were delayed while five others were rescheduled and three others have been cancelled on Saturday due to low visibility and operational reasons in the national capital.
Earlier last week, there were reports of excessive smog in the city which affected railway and flight services.
Around 100 arrivals and a number of departures were delayed as visibility was too low during early hours and later in the evening. The operations of a number of trains were also affected, with the adverse weather leaving several stranded at railway stations. Trains were delayed, rescheduled and even cancelled owing to heavy smog that enveloped the national capital.
In the same week, while at least 64 trains were delayed, several other were also rescheduled and cancelled.

subset: commoncrawl


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Individual study: A conservation program for Atelopus species at the Cali Zoo, Colombia
Silva C. (2012) A conservation program for Atelopus species at the Cali Zoo, Colombia. Amphibian Ark Newsletter, 19, 7
This study is summarised as evidence for the intervention(s) shown on the right. The icon shows which synopsis it is relevant to.
Captive breeding harlequin toads (Atelopus species)
A replicated study in 2009–2012 of harlequin frogs Atelopus at Cali Zoo, Colombia (Silva 2012) found that toads bred and survived to metamorphosis in captivity. Eggs were laid in the first year, with each female producing 200–300 eggs. Tadpoles hatched within ten days. In 2009–2012 there were nine successful hatchings, eight of which fully metamorphosed. Seventeen adults, 10 males and seven females were collected from the wild in June 2009.


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G Hair Plastica Capilar Boto Hair Moroccan Keratin Treatment 3 X 1000ml
G Hair Plastica Capilar Moroccan Boto Hair
G Hair Plastica Capilar created a unique treatment formula that smooth away wrinkles acting as hair feelers forming a protective layer around the haters cortex.
This innovative formula is comprised of proteins and there is glossing agents that provide luminous shine with the luxuriously silky feel.
Boto hair as a phenomenal ability to reduce up to 95% of first and make curly hair easier to manage would it improve texture, even after its first use.
The Kit contains:
1 G Hair Plastica Capilar Moroccan Boto Hair Kit 3 X 1000ml
Import duties, taxes, and charges are not included in the item price or shipping cost. These charges are the buyer's responsibility.
Please check with your country's customs office to determine what these additional costs will be.


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Out-Law News
Central Bank of Ireland introduces new controlled function roles for financial firms
Out-Law Analysis | 07 Feb 2018 | 9:49 am | 3 min. read
The deadline for organisations to report on their GPG is fast approaching. All private and voluntary sector employers with more than 250 staff must publish their GPG position as at 5 April 2017 by 4 April 2018.
The gender pay gap reporting regulations require employers to publish their overall mean and median pay gaps based on gross hourly pay for men and women, expressed as a percentage; as well as their mean and median gender bonus gaps, and further detail the proportion of male and female employees within each quartile of their pay distribution, ordered from lowest to highest pay, as well as the proportion of both men and women that have been paid a bonus in the preceding 12 month period. Similar requirements came into force for public sector employers on 31 March 2017.
However, employers should not view GPG reporting as just a statistical exercise. There is a real opportunity to develop a narrative to put the figures into context, detail the positive initiatives being undertaken to address any pay differentials, and further 'sell' the organisation as an attractive and rewarding place to work for people of all genders and backgrounds.
There is a particular onus on technology companies to do so.
Currently, just 17% of all those working in technology in the UK are female. That is not to say that there are not talented women working in the sector – the recent Women in IT Awards in London provided evidence of that – but there is a challenge to overcome in boosting the number of women working in the sector.
An important factor in addressing that disparity is ensuring that women are valued and want to work in the sector – addressing GPG issues is a central part of that.
The gender gap in technology starts well before the workplace, in schools and universities. Women and girls are often not attracted to pursue a career in technology because they lack information on what working in the sector involves, and because the option just is not showcased sufficiently for them. A general lack of female role models – just 5% of leadership positions in the UK tech sector are held by women – does not help inspire young women to seek a career in the sector either.
The fact that the sector is male-dominated can also put off women and girls who do have an interest in the sector pursuing it as a career option. A recent study showed that more than half of women who studied STEM subjects did not end up taking up careers within the STEM sector.
That there is a pay gap, and a perception that working in technology means long hours, travelling and a requirement to constantly update technical skills, might also put some women off.
However, employers can use the opportunity their GPG report narrative presents to tackle preconceptions and highlight the positive steps being taken to improve the situation for female talent.
I would encourage all employers to include a narrative explaining what the organisation is doing to close the pay gap and make their organisation a more attractive option for women.
Some employers have included examples of role models, and biographies of women working in the organisation sharing their experiences might also help to demonstrate what things are really like for women. Featuring images in the GPG report of women who already work with the organisation can help female readers relate to the organisation, challenge preconceived ideas of a male-centric workforce, and help them envisage working at the company.
Employers should also outline the commitment they have to diversity and inclusion programmes more generally. They can do this by making reference to specific projects or initiatives, and link them to broader action plans. For example, businesses could also highlight what they are doing by way of outward looking and supportive initiatives in the community, such as any support they provide to schools and universities concerning STEM subjects and girls.
Research carried out by PWC in 2017 showed that an important factor for females in their careers was feeling like the work they do has a wider impact and makes the world a better place. Technology absolutely has the potential for that, but women need to be made more aware that this is the case.
A more effective narrative is needed to attract and retain female talent in the technology sector. The GPG report is an ideal place to start getting the central messages across.
Amy Hextell is an expert in employment law at Pinsent Masons, the law firm behind Out-Law.com.
Out-Law News
Central Bank of Ireland introduces new controlled function roles for financial firms


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Common Names
- Ascorbate
- Sodium ascorbate
- Ascorbic Acid
For Patients & Caregivers
How It Works
Vitamin C is important for maintaining general health, but vitamin C supplementation may not help lower the risk of cancer.
Vitamin C is an essential nutrient that must be gained from sources outside the human body. It is an antioxidant used for colds and for cancer prevention because it is thought to protect cells from free radical damage. It is also important for the production of proteins and formation of collagen in the skin. Therefore, vitamin C helps promote wound healing and a deficiency can cause scurvy. In addition, scientists think that vitamin C might help reduce inflammation.
Oral vitamin C supplements are not an effective cancer treatment. Clinical studies using high doses of injectable vitamin C do show promising results, but more studies are needed. Vitamin C may also make some chemotherapy drugs less effective. Patients should speak with their doctor before using vitamin C, especially during cancer treatment.
Purported Uses
To prevent and treat the common cold and upper respiratory infections
Vitamin C does not prevent the common cold or other upper respiratory infections, but it may slightly reduce symptoms.
To prevent cancer
Some studies suggest vitamin C from food can reduce risk of certain cancers. However, most large-scale trials did not find vitamin C supplements useful in preventing cancers.
To treat cancer
Clinical studies concluded oral vitamin C is not effective, probably due to limited absorption. High-doses of injectable vitamin C are currently under investigation as a cancer treatment.
To treat heart disease
High dietary intake and blood levels of vitamin C have been associated with lower risk of heart disease, but a long-term study did not find benefit when taking vitamin C supplements.
To treat cataracts
Vitamin C intake has no effect on development of cataracts or age-related visual loss.
To improve wound healing
Intravenous vitamin C benefits severely burned patients. Other clinical trials show conflicting results for pressure sores or other wounds. Deficiencies in vitamin C can slow wound healing.
Do Not Take If
- You suffer from recurrent kidney stones: Increased kidney stone formation can occur and lead to kidney failure.
- You have kidney problems or are on dialysis.
- You have hemochromatosis: Vitamin C increases iron absorption, transport, and storage in the body.
- You have known G6PDH (glucose-6-dehydrogenase) deficiency: Rupture of red blood cells may occur with high doses of Vitamin C.
- You are a cancer patient undergoing radiation therapy or chemotherapy: Vitamin C may interfere with these treatments and lessen their effect.
- You are taking bortezomib: Vitamin C may reduce the effect of this drug.
- You are taking paracetamol: Vitamin C can increase the risk of side effects of paracetamol.
Side Effects
Special Point
Laboratory experiments and animals studies suggest that cancer cells preferentially uptake vitamin C. This raises the possibility that high-dose vitamin C may be detrimental to cancer patients.
Some practitioners recommend using vitamin C supplements to reduce the side effects of chemotherapy and radiation therapy. However, it is controversial whether antioxidants like vitamin C can also lessen the effects of these treatments, which work by creating free radicals to kill cancer cells. So what protects healthy cells may protect cancer cells as well. This question is still not fully understood and patients who are interested in taking antioxidant supplements should consult with their doctor.
For Healthcare Professionals
Clinical Summary
Vitamin C, also known as ascorbic acid, exists as either ascorbic acid or ascorbate. It is a water-soluble vitamin that is found in many fresh fruits and vegetables, and is essential for a variety of physiologic functions including formation of collagen and catecholamines, and carnitine and peptide synthesis (1). It is not synthesized in the human body, and deficiency can cause scurvy. Oral vitamin C is consumed as an antioxidant supplement for immune protection against colds and the flu, wound healing, cardiovascular health, and cancer prevention. High-dose intravenous (IV) vitamin C is being studied as a cancer treatment.
Vitamin C has been investigated in many clinical and epidemiologic studies. Regular intake of vitamin C supplements may reduce duration and severity of the common cold. However, the effect is minimal except in people exposed to acute severe physical stress (2). In patients with septic shock, vitamin C combined with corticosteroids and thiamine did not protect against organ injury (85). But in adults undergoing oral surgery, vitamin C reduced postoperative pain without increased side-effects (72). It is also believed to promote cardiovascular health but findings are inconsistent. Previous studies suggest that dietary vitamin C, but not supplements, may reduce the risk of coronary heart diseases (3). However, two large-scale randomized trials did not find any benefits (4) (5). Further, supplementation with vitamins C and E increased risk of mortality and nonfatal myocardial infarction in patients with coronary artery disease (6). Data of vitamin C's effects in reducing blood pressure are conflicting as well (7) (8). Additional studies do not support prophylactic vitamin C to lower postoperative atrial fibrillation incidence among cardiac surgery patients (69) (70), but conflicting data show a reduction in other post-surgical side effects (71), and a systematic review reported reductions in the length of hospital stay, duration of mechanical ventilation, and decreased incidence of atrial fibrillation (80).
In a study of patients with sepsis and acute respiratory distress syndrome (ARDS), intravenous vitamin C had no significant effect on organ dysfunction or inflammatory markers (84), but it may help prevent postoperative pulmonary complications in low-risk cardiac surgery patients (86); improve ventricular function in patients undergoing coronary artery bypass grafting along with decreasing the length of ICU stay (87); as well as minimize oxidative imbalance and vascular remodeling caused by mental stress (88).
Vitamin C supplementation may reduce blood glucose and lipids in type 2 diabetes patients (9). It also decreases urinary infection rates in pregnant women (10); lowers incidence of organ failure and shortens ICU stay after surgery (11); and protects against Alzheimer's disease (12) (13). Vitamin C can help eradicate H. pylori infection when added to a standard medication regimen (14) and supplementation may potentiate treatment efficacy in some patients with thalassemia (68). However, antioxidants including vitamin C do not prevent or slow the progression of age-related cataracts (15) or macular degeneration (16). Vitamin C may also reduce endurance training efficiency (17).
The role of vitamin C in cancer prevention is not definitive. Conclusions of a systematic review suggest its safety (81) and another study showed its ability to reduce oxidative stress (18). Further, high plasma levels of vitamin C were associated with lower gastrointestinal cancer incidence probably due to its protective effects against dietary carcinogenic nitroso compounds (19). Intake of vitamins A, C, or E reduced the risk of cervical cancer (20), but they did not prevent gastrointestinal (21), prostate (22), lung cancers (23) , or other cancer incidences, or affect cancer mortality (24) (73). In addition, vitamin C supplementation was associated with increased risk of liver cancer, although this effect was not observed with vitamin C from dietary sources (25).
High-dose vitamin C has been long been used as an alternative cancer treatment (26) based on the hypothesis that the formation of new collagen resists malignant infiltration (27). Early reports using parenteral plus oral ascorbic acid showed promising results (28), but subsequent randomized placebo-controlled trials in advanced cancer patients using 10 g per day of oral vitamin C did not demonstrate significant benefits (29) (30). This lack of effect is explained by the finding of a pharmacokinetic study that ascorbic acid can only reach a limited plasma concentration through oral administration (31). A higher pharmacologic concentration, achieved only via intravenous injection, had selective cytotoxic effects on cancer cell lines (32) (33). Ascorbic acid is postulated to act as a carrier of hydrogen peroxide to the extracelluar fluid (32) where it generates free radicals against tumor cells (33). High-dose IV ascorbic acid up to 1.5 g /kg/day (34), or used with chemotherapy (74) appears to be well-tolerated. It may improve the quality of life of terminal cancer patients (35), and reduce chemotherapy-associated toxicity (67). This led to a renewed interest in studying high-dose IV vitamin C as an anticancer treatment (34) (36). However, it should be regarded as an investigational drug and used only in a clinical trial setting.
There are conflicting theories against the use of vitamin C supplements during chemotherapy. Preclinical studies found that cancer cells preferentially uptake vitamin C (37) and render some chemotherapy drugs less effective (38). Also, a major concern surrounding the use of antioxidants such as vitamin C is that they can interfere with the actions of chemotherapy and radiation therapy that rely on the production of reactive oxygen species for their cytotoxic activities (39). However, a clinical study showed that ascorbic acid does not reduce the therapeutic effects of paclitaxel and carboplatin (40). Another study found an increase in chemotherapy-associated adverse effects with inadequate intake of vitamin C in children with acute lymphoblastic leukemia (41). Preliminary findings indicate that short-term vitamin C plus E supplementation during radiotherapy had a protective effect against xerostomia in patients with head and neck cancer (75); a combination of vitamins C, E, and selenium lowered radioiodine-induced oxidative stress in thyroid cancer patients (76); and supplementation may enhance the biological effects of DNA methyl transferase inhibitors in patients with myeloid cancer (89).
Adverse effects from vitamin C are rare but there are reports of gastrointestinal upset, kidney stone formation (42) , and hemolytic anemia in patients with G6PDH deficiency (43) (44). Patients with a history of oxalate kidney stones, renal insufficiency, hematochromatosis, or those undergoing chemotherapy should consult their physicians before taking vitamin C supplements.
Purported Uses
Mechanism of Action
Vitamin C is essential for the formation and polymerization of collagen; therefore deficiency results in scurvy and poor wound healing (1). Vitamin C also inhibits hyaluronidase leading to the hypothesis that it can prevent cancer metastasis by strengthening the buildup and preventing the breakdown of collagen (45).
Ascorbic acid acts as an antioxidant to protect against oxidative damage from free radicals (46). It inactivates nitric oxide and improves endothelium-dependent vasodilation (47), and acts via different mechanisms depending on its plasma concentration. Plasma concentrations <0.1mM are achieved through oral intake of dietary or supplemental forms. At pharmacologic plasma concentrations of 0.3 - 20mM via intravenous injection, ascorbic acid is oxidized to an ascorbate radical which acts as a prodrug for hydrogen peroxide formation within interstitial fluids (33). This induces DNA damage and adenosine triphosphate (ATP) depletion, and triggers ataxia telangiectasia mutated (ATM)/adenosine monophosphate–activated protein kinase (AMPK) and inhibition of mammalian target of rapamycin (mTOR) in cancer cells (67).
Other preclinical studies suggest that ascorbate can regulate hematopoietic stem cell function and leukemogenesis (77). In leukemic cells, vitamin C compensated for Tet2 mutations to restore normal function (78). In non-small-cell lung cancer (NSCLC) and glioblastoma (GBM) cells, pharmacological ascorbate selectively sensitized these cells (79). Ascorbate decreases colon cancer cell proliferation by downregulating specificity proteins (Sp) (48). It also depletes ATP and induces autophagy and cell death in prostate cancer cells (49). Preferential oxidative cytotoxic effects on cancer cells may be due to the presence of intracellular iron (50), copper (51), an increase in p53 activity (52), and overexpression of sodium-dependent vitamin C transporter 2 (SVCT-2) (53). Further, high-dose vitamin C was reported to inhibit metastasis of breast cancer cells by inhibiting epithelial-mesenchymal transition (82).
Dehydroascorbic acid, the oxidized form of vitamin C, may have cytoprotective effects by preserving mitochondrial membrane potential (38).
Adverse Reactions
Common: Nausea, diarrhea and stomach cramps.
Case reports: Oral
Increased oxalate kidney stone formation, nephrolithiasis, acute renal failure, or renal insufficiency: In patients with history of kidney stones (42) (58) (59).
Hemolytic anemia: May occur at high doses in patients with G6PDH deficiency (43) (44).
Severe cyanide poisoning: With concurrent use of amygdalin 3 grams + vitamin C 4800 mg per day (60).
Eroded tooth enamel or dental caries: With excessive use of chewable tablets (61).
Case reports: Intravenous
During infusion (74)
Common: Thirst and increased urinary flow.
Isolated incidences: nausea/vomiting, rumbling or unpleasant fluttering in abdomen, chills, and/or headache.
Post-infusion (74)
Isolated incidences: Mental haze, increased leg edema lasting for a few days.
Herb-Drug Interactions
Iron: Ascorbic acid increases iron absorption and modulates transport and storage in the body. Significant in patients with hematochromatosis (61).
Chemotherapy drugs: Vitamin C may reduce the effectiveness of some antineoplastic agents including vincristine, doxorubicin, methotrexate, cisplatin, and imatinib (38).
Bortezomib: Ascorbic acid intake reduces the activity of bortezomib (62). In a clinical trial using these agents together, the interaction is minimized by administrating bortezomib in the morning and ascorbic acid in the evening (63).
Glutathione: Glutathione as an antioxidant reduces the pro-oxidant cytotoxic effects of ascorbic acid (64).
Beta-blockers: Ascorbic acid can enhance the cardioprotective effects of beta-blockers in post-bypass patients (65).
Paracetamol: When taken simultaneously, vitamin C increased the extent of absorption of paracetamol in healthy volunteers, and may increase the risk of side effects (83).


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The Federal Government has met with the World Bank over a proposed $1bn loan for the country's ailing power sector.
The Minister of Finance, Ms Zainab Ahmed, who led the Nigerian team to the meeting with the World Bank Power Sector team, said the reason for the high-level meeting was to discuss the way forward on the proposed $1bn Nigeria Performance- Based Loan.
"We met with the World Bank Power Sector team and discussed the way forward on the proposed $1bn Nigeria Performance -Based Loan. We agreed to bring relevant MDAs together to ensure that we advance this operation in a timely manner," said the Nigerian Finance Minister.
"We will also discuss the country portfolio performance of Nigeria which currently stands at $9.8bn with the Nigerian Country team at the World Bank and how we could manage the portfolio for optimum results."
With just over a half-a-decade since the power sector privation process was concluded, poor power supply continues to plague the country. Power generation crashed to 2,390.20 megawatts (MW) at the end of October last year, one of the lowest power supply figures recorded in recent times. Also, the number of idle power plants rose from seven to 15. Despite rising over January this year, power output dropped again to 3,456MW on February 24, 2019,


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5 Day Jungle Yoga Vacation in Peru5 Nights
About The Teacher
I started my wellness path by becoming a certified Hatha yoga teacher. I have been practicing yoga for over 25 years and I completed my first teacher training in 2004. Since then, I have studied Iyengar yoga (in India and France) and Anusara yoga (in Thailand, Bali - Indonesia and Canada). I have taught yoga in Asia, Europe, North America, Central America and now offer retreats in the Peruvian Amazon. My teaching style is alignment-based whether in gentle yoga, Hatha yoga, yoga flow or SUP yoga classes.
While in India, I studied and received my Reiki Master certification, an energy healing technique that focuses on hand imposition to transfer life force energy. I enjoy treating my guest to a Reiki treatment so they can experience its amazing healing effects for themselves.
In 2016, I completed a health and wellness coaching training. I am now a certified Mind-Body Eating coach. A retreat setting is the perfect opportunity to touch on our relationship with food. I enjoy helping others relax around food and heal their relation with food and their body via different self-care practices.
In 2017, I completed a SUP (Stand-Up Paddleboard) yoga teacher training and now offer a SUP yoga retreat at Tambo Ilusión Retreat Center in the Amazon rainforest. I am thrilled to share this amazing experience with others!
I have hosted over 60 wellness retreats and I am dedicated to inspire each participant to include more self-care practices into their daily life and live life to the fullest.
More about my life journey:
In 2011, I started and operated a yoga studio in Bromont, Quebec, Canada for almost two years which I called Studio Maya Yoga. It was a great experience that prepared me for my dream project of opening a yoga retreat center in the tropics. In 2013, Armando, my life partner and I started welcoming guests at Tambo Ilusion, a beautiful private conservation area in the Amazon rainforest where international guests come for our 5 day yoga vacation program which is offered year round. It is with the intention of creating a special place to gather, practice, share and learn about healthy living that I started my yoga project at Tambo Ilusión. Tambo Ilusión is a truly remarkable place that offers a rustic yet quaint environment surrounded by natural beauty, a beautiful fresh water lagoon, it is a spring, a spectacular yoga shala, delicious vegetarian food and so much more! The perfect setting for reconnecting and for a grounding yoga practice.
We are pleased to also invite yoga teachers to offer their own retreats at Tambo Ilusión.
Tambo Ilusión is truly a special healing space. In August 2014, Tambo Ilusión was chosen as one of the Top Five Yoga Centers of Peru by a prestigious Peruvian newspaper "El Comercio"! Tambo Ilusion Retreat Center has been awarded Trip Advisor's Excellence award 2015, 2016 and 2017 for the constant amazing reviews retreat participants share on their site.


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Pussy on the ROCKS \/ Vote for my site at \/specialty11 minhot video
So passionate and beautiful. I wanna eat some pussy now.My Canadians people love those girls
This website contains age restricted materials! You declare under penalty of perjury that you are at least 18 years of age, consent to viewing adult-oriented materials and agree with all the Terms and Conditions. With the surgical staff waiting on him, hospital supervisor confronts the nervous doc. Once she figures out the problem, she is there to help him relax. This brunette with massive tits and a big ass goes to her knees and starts sucking his enormous dick under the table, so once his assistant runs into his office, she has no idea what is going on. She is fucking like a pro, and loves it rough, as the surgeon is fucking her throat wildy.


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There is an ideal of these deals; it is to bring more of an omnichannel, connected-economy flavor to the massive travel industry.
FREMONT, CA: Some significant activity in the world of travel is introduced in 2020. These activities will further influence the travel habits of customers like how consumers travel, and how they buy and pay for their trips.
In the latest report, a piece of travel-related news emerged that Airlines Reporting Corp. (ARC) says to help the global travel community connect, grow, and thrive; it provides channel-agnostic tools and insights. It also described as a leading developer of applications that supply airlines with online retailing solutions with improved features to support travel agency services.
According to a statement about the deal, nuTravel will enable its new parent to speed up its contributions of feature-rich, omnichannel retailing solutions. It will provide an integrated customer experience to travel agencies, airlines, and corporate travelers. By combining its proficiency with those of Blockskye and Traxo, ARC's nuTravel investment will continue to extend the suite of solutions for the end-to-end air travel journey.
In 2017 Certify, a cloud-based travel and expense report management solution, bought nuTravel in a deal. It was designed to permit Certify to launch a new solution using nuTravel technology. That offering is known as Certify Enterprise Travel, and it was meant to complement Certify's existing Certify Travel booking solution.
There is a general idea of these deals and other developments. It is to bring more of an omnichannel, connected-economy flavor to the massive travel industry, and to build paths in the travel space via its various corners and give the industry's multiple consumers whether individuals or corporations, pleasure-seekers or business travelers, more ways to shop and buy from various channels, and in a seamless manner.
Across 120 countries, the newly-created company will reportedly serve over 4.5 million users. The corporate T&E space has undergone remarkable strengthening in recent years, a move that is clearly continuing into 2020.
Check out: Top Omnichannel Solution Companies
Read Also


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Frequently Asked Questions
Photonic therapy, the McLaren method, is an advanced form of acupuncture using light, instead of needles, to stimulate recognised acupuncture points.
As a complementary medicine, Advanced Photonic Therapy offers a safe, painless and effective method of home health, which provides temporary relief from pain and promotes healing in living beings.
Photonic therapy involves the application of light to particular areas of the skin that has increased electrical conductivity. The light stimulates these areas to produce particular physiological results.
To appreciate the impact of the therapy, a basic understanding of skin, acupuncture and light is required.
Based on the research of Dr Brian McLaren, Photonic Therapy is able to explain in a rigorously scientific manner how thisc therapy works. Refer to 'Photonic Therapy – A Simple Explanation' and other professional documents available in the Advanced Photonic Therapy website library.
Yes. Advanced Photonic Therapy is non-invasive so the skin is not broken, as occurs with the use of an acupuncture needle in order to stimulate the specific areas of the skin.
A comprehensive list of the range of conditions that can be assisted by APT is available in the website library. Refer to ''Conditions for Horses', 'Conditions for Dogs', 'Conditions for Cats', 'Conditions for Birds', 'Conditions for Cattle' and 'Conditions for Alpaca',…
Advanced Photonic Therapy should always be used post-diagnostically.
It can be used on any animal.
If a human would use it under supervision of their primary heath care taker, then there is a warning to people with Pancreatitis, or insulin dependent Type l diabetes. Advanced Photonic Therapy will improve the health of such a person by causing the pancreas to produce insulin.
And if a person is taking medication to lower their blood-sugar level, they need to consider, under guidance of their Doctor, to lowering their medication dose rate and/or eat more sweets or they could possibly suffer hypoglycaemia (an attack due to low blood sugar).
The methodologies used by Advanced Photonic Therapy are based on the research of Dr Brian McLaren. Dr McLaren, who was a qualified human acupuncturist and Australia's most highly qualified veterinary acupuncturist, professionally published his research in 1996. Since then, he has been diagnosing and treating people and their animals around the world until his passing in 2016. Refer to the Photonic Therapy webpage 'About Us' to learn more about Dr McLaren, and to the ressources to read his work.
Advacned Photonic Therapy allows a painless, non-invasive therapy to stimulate the body's ability to heal. A modern, scientific application of acupuncture methods, the therapy works by stimulating the body's defence mechanisms, and releasing the body's own pain killers and anti-inflammatories, to encourage the maximum rate of healing. Virtually all physiological conditions of the body may be addressed. Photonic Therapy used before and after an operation reduces the time of wound healing, and decreases post-operative infection.
Since the light stimulates physiological (that is hormonal) results within the body, this may cause different effects in different beings. The most common effect in some is a mild relaxed feeling that passes within half an hour (similar to relaxing in a hot bath). This sensation has no effect on driving vehicles or operating machinery.
Each Info Pack, for Horse, Dog, Cat, Bird, Cattle, Alpaca or People clearly explains the location of each acupuncture point associated with addressing the particular condition, in both words and diagrams.
Yes you can reach us at "firstname.lastname@example.com"
The purchase of the new Advanced Photonic Pro Torch includes 2 free online consultation with a suitably qualified Photonic Therapy representative, vet, acupuncturist.
You can join us on Facebook at the "Photonic Therapy DIY" group where you can post your questions. I go LIVE in the group on Wednesday and on the FB page on Saturday to answer question.
Apply the light to unbroken skin, or through a dressing, on an identified acupuncture point, on both sides of the body.
Advanced Photonic Therapy stimulates the acupuncture points on both sides of the body, on Mode 1 and five to ten seconds per point.
If you can't apply the light on the skin directly, then try to come as close as possible to the skin. If you are one centimeter away, some photons will be lost so double the amount of seconds on each point.
Use the torch every two days for at least two to three weeks for a particular condition. In case of a chronic condition, every two days for at least four to six weeks.
Then go to twice a week, then once a week and maintenance is every 15 days.
For overall health maintenance, apply every two weeks.
In acute conditions, such as a freshly sprained ankle, three or four daily sessions in Mode 2 to relieve the pain can be done without harm.
In general, if the condition is acute then more than one session per day can assist. Generally if the condition is chronic then addressing the condition every 2 days for a number of weeks is more beneficial i.e. it is the repetition of sessions over a long period rather than many therapy sessions in a short time period that is important.
No, apply the tip of the red light torch pen directly against the skin (or fur of the animal) without pressing into the skin. Applying pressure will not improve the effect of the light on the acupuncture point or increase the stimulation of the point.
In acupuncture when using a needle, precision is important. However, acupuncture points are wide areas of skin (as wide as 10-25 millimetres). The light from the Photonic Therapy torches covers a wide area. Observe this by shining the torch on your hand when in a dark room. Applying the torch to the location of the point described in the instructions will achieve the desired benefit without the need for 'needle-point' accuracy. Stimulating an incorrect point will not cause harm, but simply register a nil effect.
The torch has been designed to be cleaned in normal disinfectant solutions, hot, soapy water or with chemical wipes after each therapy session if required.
Check our STORE for a FREE booklet.
Check the RESSOURCES on this website.
Both our red light torch pens can be used to torch locally and acupuncturepoints and in every type of situation.
The Pocket Torch is smaller and easier to take with you where ever you go. Because of its size the battery is also very small and will therefor have to be recharged more often.
The Pocket Torch is advised as a First Aid Torch and when it will not be used daily.
The Pro Torch is advised for any vets, therapists and anybody who would use it daily or for anyone who has/wants to use it on horses.
With its power of 500mW, it is also the Torch that will reach deep enough to shine the light on the aorta on the Horses back.
If you only want to purchase one red light, the Pro torch is your best choice.
Only the Pro torch has 3 Modes (200 mW, 500 mW and pulse).
Every torch pack has the following: an original Advanced Photonic Therapy Red Light, a Holster, a Lanyard, extra 0-rings, extra tail cap, a rechargeable battery and a USB charger.
1. Battery check: ensure the battery to be positioned in the correct way. Remove the sticker on the back of the battery. Fully load the battery before first use (this can take up to 5-6 hours for the Pro battery).
2. Power on: press the button switch at the tail when the torch is off, the torch turns on.
3. Power off: press the button switch at the tail when the torch is lit, the torch turns off.
4. Slightly click the button switch to change the modes.
Total 2 or 3 modes
Pocket Torch:
Mode 1: to red light Acupuncture points
Mode 2: to red light locally, to relieve pain temporary & quickly
Pro Torch:
Mode 1: to red light Acupuncture points
Mode 2: to red light locally, to relieve pain temporary & quickly
Mode 3 Pulse: for healing of nasty wounds, to stimulate melatonin production (brainfunction, sleeping)
Slightly click the button switch on the end of the torch pen to change the modes.
Guarantee: 24 months from date of purchase on the torch, 6 months on the battery. Refund: 100 days. Check the conditions on the website
If the torch fails to function, send a mail to firstname.lastname@example.com and post the torch to PO Box 205, 03100 Xixona, Spain. The torch will be repaired or replaced and depending on the fault.
You will be contacted to discuss any repair costs.
*General questions can be posted in the free group on Facebook.
Join us here: https://www.facebook.com/groups/333780983484980/
*Specific questions are to be posted in the weekly post for the LIVE Q&A where I respond LIVE on Saturday at 12 pm EST time on all questions.
Join us here: https://www.facebook.com/aphotonictherapy/
At the moment I am doing daily LIVES again on the page.
*Send an email to firstname.lastname@example.com and request a private online session if the question is too private and can't be answered LIVE.
If you do not have a free session, then go to the store and buy an online 1-1p session of 30 minutes.
How does it work?
1. Preparation:
Collect all the medical data from vets, docs, therapists,…
Write down the history of what has happened and the diagnosis of the docs.
Mention the medication that has been given, when, what, how much/how long
Mention the therapies that have been done/followed.
Send copy of RX, MRI, blood reports etc. per email.
2. Write down your questions.
3. Send all the previous information to me by email and request a private online 1 on 1 session.
4. Choose between the different options of day/hour you will be given.
5. After confirmation, a link to my Zoom meeting room will be sent to you.
6. On the day and hour of the meeting, please show up in time.
Each meeting is for 30 minutes.
Connecting to Zoom is easy, you only have to download the free APP which you will receive in an email.
*the videos on my Youtube channel (there is a search bar)
*the LIVE videos on my Facebook page (questions mentioned)
*the FAQ page on the website (that is where you are now 😉 )
*join the Free FB group here: https://www.facebook.com/groups/333780983484980/
Make sure to fully upload the battery the first time to prolongue the lifespan of the battery.
The battery will only have to be recharged when it suddenly falls away.
With normal daily use of a few minutes, it can take up to a month before the battery will have to be recharged.
Do not leave your battery in the charger. The lifespan of the battery is decided by the times/way you charge it.
When not using the torch pen for a longer period of time, then remove the battery to avoid corrosion.
If unused for a long time, the Ii-ion battery should be recharged every 3
months in order to make sure of its correct performance.
The new Equine Assessment Blueprint will be launched in January and starts on February 3, 2020.
The next Online + (version 2020) and Certificate courses will start between February, 28 and March 10, 2020
In the 2020 courses the modules will be weekly.
You will need to keep up with the Modules and send back the assignments in time.
These assignments have to be returned before the start of the next Module.
Delay in returning an assignment is only accepted once.
You will have to do the tests and videos together with the other students.
You can repeat once.
Normally, when the course starts on February 15, you will have time to finish the Case Studies till February 14 of the following year.
If you can't finish up the Case Studies within the time frame, an extra month of time can be acquired (at a cost).
This is limited to 3 extra months.
1. Online Course:
During the Online Course, the student will have to complete the assignments with every Module.
These assignments have to be returned before the start of the next Module.
Delay in returning an assignment is only accepted once.
At the end of the Online Course, there is a written and oral test to take. The pass mark for this part of the test is 70%. The test can be repeated once.
In order to complete and pass the Online Course, the student will provide a video of a correct assessment on the animal and a video of the correct location of the standard- and emergency points on the animal.
2. Practical:
For the Equine Certificate course, there is a 25 h Practical Course in person to be completed.
During this Practical, several tests need to be taken in order to complete this course.
The pass mark is 70% for the written, oral and manual test. In case of not passing, the Practical can be repeated (at a cost of 250 € (25 hours x 10 €) with the next group of students.
More detailed information can be requested.
3. Case Studies:
- After completing successfully the Online Course, and the Practical course (Equine Certificate Course) the student can start on the Case Studies.
10 case studies are required:
For the equine certificate course: 9 Case studies of Equines, 1 case study of a Canine.
For the Small Animal Certificate Course: 7 Case studies of Canines, 2 Felines, and 1 Avian.
At least 5 of the 10 Case Studies will deal with a chronic condition/ailment.
At least 3 of the 10 Case Studies will be on other people's animals.
b. The first requirement is doing the assessment correctly.
An incorrect assessment makes the rest of the Case Study automatically incorrect and will have to be redone from the start.
c. The student will make sure to have adequate liability insurance to do assessments on other people's animals.
We take no responsibility what so ever.
d. If the student can't finish up the 10 required Case Studies within the time frame, an extra month of time can be acquired (at a cost). This is limited to 3 extra months.
- If the student can not start this part of the course in the year of starting the Online course, the student can start the case studies with the next group of students.
In this case, the student will have to pass a written and oral test and will provide a video of a correct assessment on the animal and a video of the correct location of the standard- and emergency points and the animal, to demonstrate that he/she is still up to date with the necessary knowledge to start with the Case Studies.
If you can not start this part of the course in the year of starting the Online + course, you can start the case studies with the next group of students.
In this case, you will have to pass a written and an oral test and will provide a video of a correct assessment on the animal and a video of the correct location of the standard- and emergency points and the animal, to demonstrate that you are still up to date with the necessary knowledge to start with the Case Studies.
This implies an extra cost of 100 €.
A full refund can be requested up to 30 days after paying for access to the course.
Any request for refunds passed 30 days will involve an administration fee of 15%.
No tuition is refundable once the course has started or the course materials or information packs have been accessed.
You do not have to own an APT Pro Torch when you start this course.
You do need to have one and know how to use it by the time you do the practical part (Equine Course) and the Case Studies.
And you can always contact me. As most of you know I speak English, French, German, Spanish and Dutch.
Contact us
Get in Touch with Us
Visit Us on Social Sites


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ALBANY – Kathryn Kelly Garrett, 84, of Albany, passed away on Saturday, November 5, at St. Peter's Hospital. Mrs. Garrett was born in Oneida, the daughter of the late Thomas L. Kelly and Margaret Farley Kelly. She was a graduate of Oneida High School, earned a B.A. degree in Pre-Professional Social Work from Utica College… Continue Reading
Donald M. Roznowski
ALBANY – Donald M. Roznowski, 90, of Albany, passed away on Thursday, October 13, 2016 at the Daughters of Sarah Nursing Center. Donald was born in Syracuse, and had been a resident of Albany since 1952. He served in the U.S. Navy in the Pacific during World War II. He earned a bachelor's degree in… Continue Reading
Charles P. "Chuck" Stephens
DELANSON – Charles Stephens of Delanson, NY, passed away on January 1, 2016 while on vacation in Panama with his son. Son of the late William Ellsworth Stephens and Barbara Walsh Stephens Nelson Hansen, Charles "You can name him whatever you want but I'm going to call him Chuck" Stephens was born in Kearny, New… Continue Reading
Kathleen A. Linehan
ALBANY – Kathleen A. Linehan, 70, of Albany, passed away in the Hospice Inn at St. Peter's Hospital on Friday, January 10, 2014. Kathleen, the daughter of the late Richard and Marjorie Linehan of Roslyn Heights, was born in Albany, and raised on Long Island. She was a graduate of Syracuse University and resided in… Continue Reading
Theodore B. Skerritt
ALBANY – Theodore Barry Skerritt, 90, of Albany, passed away on Saturday, December 21, 2013 at the Riverside Center for Nursing and Rehab in Castleton. Ted was born in Syracuse, and attended Syracuse University School of Speech and Dramatic Arts including Summer Theatre at Oneida Castle and Bridgeport, NY. He served in the Army Air… Continue Reading
W. Michael Losinger
ALBANY – W. Michael Losinger, 72, died suddenly Wednesday, April 17, 2013, at home. Born in Elmira, NY, Mike was a graduate of Southside High School and then the University of Tulsa; he received a Masters in Divinity at Colgate Rochester Divinity School. Mike had a long and varied career: as Youth Director in the… Continue Reading
Dorothea M. Santen
ALBANY – Dorothea Margaret (Stephenson) Santen, age 92, passed away peacefully at her home, on Tuesday, December 15th, 2009. Born in Rutland, VT on June 3rd, 1917, she was the daughter of the late Philip and Nona Stephenson. Her family moved to Albany when she was a young girl, where she attended PS-4 and graduated… Continue Reading
Joseph D. Garrett
ALBANY – Joseph D. Garrett, 87, of Albany, died Saturday, November 7, 2009 in St. Peter's Hospital. Mr. Garrett was born Nov. 22, 1921 in Troy, the son of the late Thomas and Helen Foster Garrett. He was a graduate of Catholic Central High School, Siena College, and the Syracuse University School of Social Work. … Continue Reading


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Victoria's Body Shoppe Blog — smooth skin
Shea Butter Benefits For Your Skin
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- NEW ADVANCED FORMULATION: Exclusive blend of skin-restoring high-grade ingredients, plant extracts, and natural elements that help promote healthy collagen, improve elastin for firmness and skin cell regeneration for smoothness and tightness. Perfect for Before During and After Weight Loss and Pregnancy. It feels heavenly. It's rich, silk, and nourishes your skin back to life.
- RESTORE & REPAIR FOR TIGHTER SKIN! With regular use OF TIGHTEN UP age, spots fade, wrinkles diminish, collagen production is boosted, and your skin is left tighter, smoother, and firmer. The best part is, the longer you use it, the better your skin appears. TIGHTEN UP regenerates the (structure) of your skin. We offer a no-risk 100% money-back guarantee. Nothing to lose but wrinkles. Get Yours Now!
The Best Way To Get Rid Of Acne And Control Blemishes
The Best Way To Get Rid Of Acne And Control Blemishes 5 Skincare Strategies You Can Use Today So You Can Come Out Of Hiding And Finally Get A Life! BALANCES YOUR SKIN BIOCHEMICALLY – Due to the polluted air, traffic, air conditioning and other environmental pollutants, your skin is a sponge that absorbs impurities from the air, cleansing soaps and makeup. This can cause your skin to be out of balance creating breakouts, pocks, discolor, spots and wrinkles. Victoria's Best Advanced Clarifying Toner balances the alkaline level of your skin. Our formula offers Superb Moisturization, Rich in Vitamin...
How to Reverse Acne Problems Fast!
How to Reverse Acne Problems Fast! 6 Foolproof Ways To Get Rid Of Acne For Good! Have you tried every cleanser, toner, and lotion on the market, but still waking up to a redder face then the day before? Although having acne breakouts is normal, especially for teens, you can't help but search for ways on how to clear up your acne. Some are finding ways on how to treat it inexpensively. While others pay for expensive facial skincare available in most exclusive spas and beauty salons. But if you have a hectic schedule, and can't find time to visit...
5 Acne Treatment Tips You Can Use Today!
5 Acne Treatment Tips You Can Use Today! Repair your skin's surface, appearance, and structure to reveal your skin's illuminating beauty. Read on… Acne SUCKS! Are you spending most of your life locked in your bedroom miserable about your raging acne? Do you hate looking in the mirror at the face looking back at you? Have you tried acne treatment after acne treatment, only to find they do more harm than good? You're not alone! Luckily, there are a number of things you can do every day to make sure your skin is less prone to flare ups. Here are...
3 Best Facials for Fighting Acne & Pesky Pimples
3 Best Facials for Fighting Acne & Pesky Pimples Best DIY Treatment For Aniti-Aging and Acne! Dear Pimples, if you're going to live on my face, I need you to pay rent! Yes! It's time to EVICT those confidence destorying pimples, zits, acne scars with the perfect DIY treament professionals and demetologists use in acne facials to reverse damage, clear you skin, and remove unwanted scars. Need to get rid of wrinkles, sooth problem ski, tone down the redness, firm up creepiness? Facials are a great way to do. What type of facial to you have the time and...
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If you're looking for more information on Farmasi (pronounced Pharmacy), perhaps to complete your due diligence in their direct sales opportunity, then this Review can help to answer the basic, yet important, questions. If you're looking for some information on their products, we have a rundown of those, too.
The first question that all people ask when reviewing a new direct sales company, is, "Is XYZ Company legit, or a scam?"
Well, here's our research, and what you need to know before joining the Farmasi direct sales opportunity, or buying any of their products.
I almost joined this company myself, but there was one thing holding me back…
What Is Farmasi?
Is Farmasi legit, or a scam?
~ Some of our articles may contain affiliate links. For more information, see our Disclosure Statement.
My Farmasi QUICK-LOOK Review
Brand Name: Farmasi Cosmetics USA
Company Website: https://www.farmasius.com/farmasi/
Owner: Good question. This was Dr. Cevdet Tuna, who passed in 2017.
Cost: Business – $19.99 Starter Kit. Products – range from $5 – $50.
Business Model: direct sales – mlm
Scam or Legit: Legit
My Farmasi FULL Review
What is Farmasi?
The European brand, founded by Dr. Cevdet Tuna, has been manufacturing about 2000 different cosmetics and personal care products for men, women, and children in Turkey since 1950 (70 years!).
The company started as a pharmaceutical manufacturer, and evolved into a cosmetics manufacturer over the years. Farmasi is now an international beauty and personal care manufacturer and retailer, that integrated a direct sales branch in 2010.
In early 2019, that direct sales branch was expanded to the United States, making it their 25th market for direct sales operations, and the 125th country for business operations overall.
What Type of Products Does Farmasi Manufacture?
Farmasi manufactures products in the Beauty, Personal Care, Household and Wellness categories, including:
- Skincare
- Haircare
- Makeup
- Fragrance
- Footcare
- Just for Men
- Accessories
They have their own facility with 5 separate factories for manufacturing all of their products, and strict guidelines on everything from the water they use to their product packaging.
They offer a broad range of commonly used Products that include:
- soaps and cleansers
- scrubs and masks
- serums
- creams and lotions
- moisturizing, anti-aging, etc
- shampoo and conditioner
- hair styling products
- lipliners and lipsticks
- from Matte to High Gloss
- foundations, concealers, powders
- eyeliners and eyeshadows
- from natural to glittery
- brow pencils, gels, and fillers
- mascaras
- for length, thickness, and curl
- nail polish
They have Products made with:
- Tea Tree Oil
- Black Seed Oil
- Avocado Oil
- Activated Charcoal
- Calendula
- Aloe
- Pure Rose
- Paprika Balsam
- Lavender
Why Farmasi?
Per the Farmasi Company Website, this is why people choose their brand:
- High Quality Standards
- Affordable Product Prices
- Product Production in an Ecological Environment
- Supporter of Animal Rights and Ethical Treatment – They ensure that none of their products are tested on animals.
- Animal Product Free – They also ensure that none of their products contain animal products.
- Paraben Free
- Phosphate Free
- Phthalate Free
- Formaldehyde Free
- Heavy-metal Free
- Non-GMO
- Dermatologically Tested
- Passes GMP (Good Manufacturing Processes) Standards
They do provide pictures of the labels on their products on their website. So, if you're interested in an ingredients list of a particular product, you can find it in the product description.
What does the Farmasi Direct Sales Opportunity Offer?
Introduced to the USA just this year, 2019, Farmasi is on a mission to expand their 10-year successful direct sales branch. Proudly reporting triple digit growth for the last 7 years, they aim to continue increasing their brand awareness and year-over-year sales. They believe that their expansion into the USA market will help achieve both of those goals.
The "Beauty Influencer"
The Farmasi Direct Sales Opportunity offers an individual to sign up as a "Beauty Influencer."
The Beauty Influencer can purchase products at a discount for personal use, or for resale. Resale can be done in person or online. (more info on this below) Products range from $5 – $50, with most falling in between $10 – $14.
The Compensation Plan:
Product Sales Commission Payout is 50%.
Downline Commission / Group Volume (for those who sign up other Beauty Influencers) scales from 3% – 25%.
There is a multi-level compensation plan for Beauty Influencers who build a network of other Influencers.
Car Allowance – the amount allotted will differ based on your title and volume
The Founder's Club – open to the first 100 entrepreneurs who reach the 25% bonus level. It appears that this changes if current people fall from their ranks or new people achieve and maintain the status, thereby making entrepreneurs work to earn the rewards. You can't just earn it, then slack off and still keep the title (that's a good thing).
Founder's Club Rewards are:
- An all expenses paid trip to Turkey to see the headquarters and the production process in action
- FREE Shipping on ALL orders (as long as the 25% bonus status is active)
- FREE sample packs of the featured product of the month
- Personal Exposure on the company website
- FREE Leads through company-sponsored activities
- Early Access to new products
Personal Volume, Group Volume, Title Change, and Leadership Bonuses – paid out monthly for those who qualify, amount varies based on volume.
Cash Bonus – these are awarded when certain titles are achieved and maintained.
World Discovery Program – For Beauty Influencers who are between the Silver Director and Boss titles, a travel program is in place that awards them with the opportunity to visit different Farmasi offices in different countries.
Who is Farmasi For?
Farmasi is for entrepreneurs who are looking for a new direct sales opportunity with very low sign up fees, and little risk in trying the business.
You should be interested in personal care and beauty products.
You should have a desire to resale company products either locally or online (more about that below in the PROS section).
* This could be especially lucrative for anyone who loves makeup, and loves social media. Are you a Facebook or Instagram fanatic? If you already use the platforms, you could possibly earn some money while you're on there.
Cost to Join Farmasi as a Beauty Influencer
The $19.99 Starter Kit
When you sign up, you will receive a Starter Kit with:
- a Welcome Letter
- a Skincare Guide
- a Product Catalog
- a Product Pack of Samples to try or share
In addition, you will receive:
- an immediate Discount on personal product purchases
- your own replicated Company Website to promote your products and business
Farmasi's Current Shipping Policy
- The current Standard Shipping Rate is $8.99
- Delivery can be made to all 50 United States
- All orders are processed and shipped within 1-2 business days (from Miami, Florida). On average people receive their products in 3-5 business days.
- Tracking information is available once the order has shipped.
- Farmasi uses USPS or FedEx depending on the order, and where it is going.
A 30-day 100% money back guarantee is offered on all customer purchases.
For entrepreneurs who purchase products to resale, the refund is 90% of the purchase price (So, basically, they charge a restocking fee – the other 10%). There is no refund on any shipping charges.
About Training and Support With Farmasi
When you sign up with Farmasi, you receive the following training and support:
- Upline Sponsor – If you sign up through a Beauty Influencer's site, that Beauty Influencer will become your Sponsor, and they do have an obligation to provide you with support through communication that may include personal contact, training lessons, and webinars.
- If you sign up through the main company website, you will be assigned a random Sponsor.
- Training is available on company products, effective sales techniques, the compensation plan, and company policies and procedures.*
- Materials for advertising – They provide access to company designed and approved promotional materials. You may also create your own. However, all personally designed sales materials must be pre-approved for marketing use.
* Speaking of Policies and Procedures…
All Beauty Influencers (entrepreneurs) are self-employed, and you will receive a 1099 if you make over $600, or purchase over $5,000 of resale product in a calendar year. The P&P page is quite lengthy, and contains the typical jargon of a direct sales company.
Also, I did find in their FAQ's that an account that has been inactive (no sales) for 6 months will be closed. So, technically, you do need to make a purchase, or sell something, at least once every 6 months. This should be very easy since if you sign up, you are joining for one of two reasons: to try the products or start a business.
Contact Information – Very Important!
If there is no easily available contact information for a company that you are researching, that is a major red flag!
Farmasi provides the following Contact Information for their USA market:
Address – 2315 NW 107th Ave, Miami, FL 33172 – verified USA headquarters and warehouse. When products are ordered in the USA, they ship from this warehouse, which receives all of the product from their manufacturing facility in Turkey.
Phone Number – 1 (833) 432-7627 – verified working phone number at the time of this review. I was able to speak with a real person, in clear English, and get the contact information of the regional manager of my area.
Business Hours – Monday – Friday 9am – 6pm EST.
They also provide an interactive map for directions to their Miami office, and a contact form to reach them by e-mail.
Social Media Presence :
LinkedIn – Kaan Cabas, the Export Manager for Farmasi, has a LinkedIn profile. If you have a LinkedIn account, you can do a search for him.
Instagram – 7,838 followers, 154 posts – Definitely some beautiful pics to view.
Facebook – 1,516,263 Followers – Page was created Nov 15, 2018 when USA market opened.
YouTube – No active promotion there by the company. They've only posted one short 2 minute introduction video. However, you may search and find Beauty Influencers who post their own videos, which actually makes sense because they are the ones building the business.
The PROS and CONS of Joining Farmasi
Here are the PROS:
- VERY low sign-up cost
- NO personal product purchase requirements (NO MONTHLY QUOTAS)
- NEW to the United States market = Untapped potential
- You ARE allowed to market on Social Media using company provided images and banners
- I was able to locate Beauty Influencers here in the United States, so there ARE local contacts you can reach out to for questions and more information if you are considering joining Farmasi.
Here are the CONS:
- Online Reviews are hard to find, but I do believe this is because the products are new to the USA. You can find international reviews for both the products and the business on the company website, in addition to User comments and pictures on the Farmasi social media pages linked above.
- Products are made in Turkey. So, if you're a strict "Buy USA" kinda person, that may bother you.
So, Do You Join or Not?
I'm definitely not saying this is the next big mlm thing in the USA, but I am saying that it is ridiculously cheap to join. $20 for your starter kit, and they give you a website to market the products? Plus, you're allowed to market on social media. I mean that's some very decent potential with very minimal investment risk.
The company has decades of experience in their products, a broad variety of affordable personal care products, and seemingly good ethics and standards.
The question is are you interested in marketing beauty products?
Top 3 Reasons to Join:
1. $19.99 to Start Your Business as a Beauty Influencer (extremely low start up)
2. There is NO MARKET SATURATION for this company in the United States. Have you heard of Farmasi until recently, or until NOW in this review?
They're new, and yet, they're not new. An established company opening a new market is usually one to keep an eye on. This could be a diamond in the rough.
3. NO MONTHLY QUOTAS. Because there are two methods to earn here.
- You can simply purchase as few or as many products as you like, when you like, and resale some products for a profit.
- OR you can participate in growing the brand by committing to a monthly minimum purchase amount and signing up other Beauty Influencers to do the same. Hence, the mlm aspect of the business.
To maximize your earnings, you'd want to do the latter, or a combination of both methods.
Because the greatest success depends on total Group Volume, a Personal Volume of $125 a month is recommended by Farmasi per the Opportunity Plan page.
The One Thing That Held Me Back
Throughout my research, I must say, I was very tempted to get this starter kit myself and discuss this opportunity further with the regional manager. I mean, I'm addicted to multiple streams of income, and it is only $20 to join. I probably buy comparable products anyway, that I could easily swap out to test and promote this brand (if I liked them). I see the growth potential in the use of social media marketing.
Beside the fact that I'm busy enough, what really stopped me is this:
"The average participant ("Entrepreneur") in this business earns between $500 and $2,000 per year. Some will likely earn less while others may earn much more."
This is a common statement in any mlm direct sales company. As with any business (mlm or not), what you get out of it is dependent on what you put into it. Farmasi is very honest in putting this statement directly on their website. (necessary legal jargon)
Knowing the kind of effort it takes to make it big in mlm, the average reward here just doesn't cut it for me. If Farmasi seems like a good fit for you, then I wish you all the best, and I hope you become a Top Influencer in the USA!
If you want to know what my #1 recommended way to make income from home is, then click on over to this article:
Looking for alternative ways to make more money?
Real Estate Investment Opportunities – If investing in real estate is something that you've ever thought about doing, but you're not sure how to get started, or if you have enough money, then learning about crowdfunding platforms with low start-ups might be of interest. Here's one company that aims to help the 99% invest like the 1%
About DiversyFund – A REIT Review
Remember to check our Blog Page for more ways to make money, website resources, and reviews!
Was this review helpful? Tell us what additional information you'd like to see on this review.
Have you used Farmasi products? Would you recommend them? Please share your experience!
Are you a Farmasi Beauty Influencer? Please share your story below!


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Boulder Valley real estate – Rear and forward view
The year 2019 was another very good year for residential real estate in the Boulder Valley, but unlike the previous five-plus years, it was marked by slowing appreciation, slightly rising inventory (finally), and longer average time on the market.
In Boulder County, median and average sales prices of single-family homes increased by a very modest 1 percent, while attached dwelling (condos and townhomes) appreciation was essentially flat. In the city of Boulder, the average single-family home sales price increased a modest 2.6 percent to an immodest $1,246,250, while attached dwellings increased 2.4 percent to $538,360.
Single-family listing inventory in Boulder County reached a peak of 1,058 homes and attached dwellings topped out at 370 units on the market, both reaching their peak in June, and both above the peak inventory of the last several years. To put this in perspective, however, the inventory of single-family homes in 2006 (just before the Great Recession) reached a peak of 2,763, more than two-and-one-half times the peak of 2019. That is, we still have far less inventory available than we used to.
The average number of days homes stayed on the market before closing reached 61 days, an increase over last year by 5.2 percent for single-family homes and 15.1 percent for attached units. The average months of inventory (the time it would take for all existing homes to sell if no additional homes came on the market) rose to 1.8 months, an increase of 6 percent for single-family homes and 28.6 percent for attached units. By traditional standards, this would still qualify as a seller's market (when months' of inventory is in the 5-6 percent range, it is considered a balanced market, and we are still a long way from that). Charts on top show a snapshot of the Boulder County 10 vital statistics we track to gauge the market.
So, what is going on? Why do the months' of inventory indicate that we're in a strong seller's market when many of the other metrics are pointing toward a more balanced market? And what can this tell us about 2020?
Explaining the months of inventory question
There appear to be a couple of key factors keeping our months of inventory much lower than historically. First, the nation as a whole — and Boulder County especially — have been building far fewer new homes that we were building pre-Great Recession. This graph from census.gov illustrates the situation well:
In Boulder County, we are getting close to full buildout under our current zoning and land use regulations, meaning that unless they are amended, we will run out of available lots on which to build new housing. (In practicality, this means that neighboring counties will become our bedroom communities, as Boulder still has the lion's share of jobs in our area and people will be forced to commute farther and farther.)
Thus, with people continuing to move into the area at a strong pace while building is lagging behind, demand will structurally continue to outpace supply.
Second, people are staying in their homes longer than they used to. In 2010, homeowners nationwide stayed in their homes an average of eight years before selling. By 2019, that figure had increased to 13 years. With people selling less frequently, inventory goes down and, with strong demand like we have in Boulder, months of inventory stays low, too.
In Boulder, this issue is exacerbated by the fact that a lot of our homeowners are older (the National Association of Realtors reports that homeowners 73 years and older stay in their homes for an average of 17 years) and many of these Boulderites want to continue to age in place. Moreover, the Boulder Valley does not have a lot of options for the elderly looking to downsize and stay in their current community.
Accordingly, housing turnover is lower than it used to be, and this trend is likely to be even stronger in Boulder, further suppressing inventory.
So what?
For 2020, it appears that our available housing inventory will continue to be reined in by the structural impediments of inability to build sufficient new housing and current homeowners staying in place. That will put upward pressure on prices. Continued migration into our area fueled by our (currently) robust economy will keep demand high and put additional upward pressure on prices. Additionally, our return to very low interest rates will allow more potential buyers to qualify for our expensive property than would have otherwise been the case.
On the other side of the equation, home prices have risen so high (especially in the city of Boulder) that, even with low interest rates, the pool of buyers able to buy in our area will be relatively small. Moreover, the political uncertainty of election years can cause people to take fewer risks (such as buying a home). The fact that this promises to be an especially colorful election cycle will likely be a drag on demand as we get closer to November.
Based on the foregoing, if I had to make a prediction, I would suspect that the first part of the year will have very strong activity, with prices rising and multiple offer situations being not uncommon. Then, I suspect that the market may cool as we get closer to the election, which may be an especially good time to buy for those with intestinal fortitude.
Originally posted by Jay Kalinski
Where have all the buyers gone?
A well-functioning market consists of two sides: suppliers who offer a particular good for sale and consumers who purchase those goods. In the Boulder Valley residential real estate market since 2012, there have been more consumers looking to buy homes than there were sellers offering homes for sale, which has led to a long appreciation period for homes. Now, however, it appears that the number of buyers is dropping as is their willingness to pay ever-increasing prices.
Spotting the trend
First, how do we know that there are fewer buyers in the market? The most direct measure of buyer activity that my company tracks (courtesy of Broker Associate Mike Malec) is the number of showings per available listing. From examining the data, it is fairly easy to see that this year's showing activity is markedly below the recent boom years, but is still above the levels present during the recession.
Second, to further substantiate this decline in buyer activity, we can look at more indirect measures, such as average sales prices, available inventory of homes on the market, and average time a home will be on the market before sale. Each of these markers indicates a decline in buyer activity. Through May of this year, the average price of a single-family home in Boulder has fallen 0.6 percent, while the average attached unit has fallen 4 percent, compared to the same timeframe last year. This indicates that there are fewer buyers competing for available homes to the point where home appreciation rates have stalled. At the same time, the amount of homes available on the market has increased nearly 20 percent for single-family homes and almost 50 percent for attached ones, while the average time on the market for single family homes has gone up 5 percent and nearly 20 percent for attached ones. These statistics indicate that those buyers in the market are becoming choosier and are able to take their time making decisions.
Based on the above discussion, it seems that there are fewer buyers in the market and that those who are in the market are more cautious, but why?
Economic Conditions?
It does not appear that our local economic conditions explain the drop in buyer activity. According to the State Demographer's office, people are continuing to move into Boulder and Broomfield counties, albeit at a slower rate than previous years (though the city of Boulder has seen its population declining in the last two years). And local unemployment levels continue to be historically low.
Economic conditions at the national level are softening, to the point where the Fed is discussing interest rate cuts, so these conditions may play some role. But, interest rates are actually about half a percent lower than they were at this time last year, which would appear to weaken that argument.
Could it be the weather?
Another possible explanation I've heard is that our unusually cold and snow winter could have suppressed buyer demand as people were less willing to trudge through the snow to go see houses. While this is plausible, all else being equal, we would have expected to see that pent up demand being released as the weather improves, but we just have not seen that play out in the data yet.
The takeaway
Whatever the cause of the decline in buyer activity may be, local real estate legend Larry Kendall of the Group Inc. Real Estate in Fort Collins always says that buyers are the smartest people in the market, so they may be acting as the proverbial canary in a coal mine, meaning that they could be a leading indicator that our market is shifting from a seller's market to either a balanced or buyer's market. If you are a seller, be wary of pricing above the market in these shifting conditions.
Originally posted by Jay Kalinski is broker/owner of Re/Max of Boulder.
January Home Sales Chill, Fundamentals Solid
Home sales for Boulder-area real estate got off to a slow start in 2019 despite fairly mild January weather, resulting in decreased sales compared with a year ago.
Single-family homes posted 184 sales, a decrease of 20.3 percent compared with 231 homes sold in the same month last year. Sales of condominiums and townhomes dropped 23.0 percent for the same period with 71 units sold vs. 92.
"The market saw a pretty significant slowdown that started mid-November and continued through January," says Ken Hotard, senior vice president of public affairs for the Boulder Area Realtor® Association. "The fundamentals are still solid—inventory improved and interest rates aren't going up quickly," he says, noting that interest rates are historically low and affordable at around five percent or below for a 30-year fixed mortgage.
Month-over-month single-family home sales dropped 39 percent in January with 184 homes sold compared to 302 in December. Townhome/condo sales were a bit stronger, nearly matching December sales with a .013 percent decrease – 71 units sold vs. 72.
Inventory jumped 15.7 percent for single-family homes with 722 homes for sale in January compared with 624 in December. Attached dwellings showed even greater improvement, rising 18.1 percent—241 units vs. 204.
Hotard explains that for now the statistics represent a series of events. "Once we get enough data, we'll start to see trends," he says.
"There seems to be uncertainty in the market and buyers are thinking I can stay where I am and look for a better opportunity in the future," says Hotard. "It's a story that's repeating itself in a number of markets across the country."
Yet Boulder-area prices continue to rise or hold steady, job growth and the employment rate remain strong, and Boulder County is still a desirable place to live.
"Our strong fundamentals should attract buyers as we move through February."
Originally posted by Tom Kalinski Founder RE/MAX of Boulder on Tuesday, March 14th, 2019.
Home Sales Slow in December, Show Slight Decline for Year End
Boulder County home sales declined for December, but overall 2018 sales held somewhat steady with a slight decrease.
"December was not a fabulous month for home sales, particularly for attached dwellings," says Ken Hotard, senior vice president of public affairs for the Boulder Area Realtor® Association.
Sales of condominiums and townhomes in the Boulder-area dropped 42.9 percent in December compared to November – 72 units sold vs. 126. For the year, attached dwelling sales improved .02 percent with 1,525 units sold vs. 1,522.
Single-family home sales dropped 2.6 percent with 302 sales vs. 310 for December compared to November. Year-over-year, single-family home sales dropped 2.3 percent – 4,533 sales vs. 4,640.
Hotard points out the total decline for all Boulder County dwellings sold for the year – attached and single-family – was only 1.8 percent. That compares to a 3.1 percent national decline reported by the National Association of Realtors.
"Our Boulder County market continues to perform well. Job growth is good, demand is strong, and the area is desirable," says Hotard, adding that inventory is an ongoing challenge.
Inventory of single-family homes dropped 24 percent in December compared to November—declining to 624 units from 821, while multi-family unit inventory decreased 22.4 percent—204 units versus 63—over the same period.
So where do we go from here?
Hotard says many reports indicate the U.S. is entering a home sales slump, but he expects the Boulder County markets to continue to buck the national trend.
"It's possible well see a year-over-year decline similar to this year, but I don't expect it to be more significant, if our markets decline at all," he says.
In Hotard's assessment, strong fundamentals in Boulder County are not waning: Employers continue to bring new jobs and prices are holding or improving.
But inventory continues to take a hit. "We need to see inventory numbers improve as we head into March, April, May and June," Hotard adds.
"It's going to be 'steady as she goes' in 2019, as long as we don't have any major national or international events."
Originally posted by Tom Kalinski Founder RE/MAX of Boulder on Monday, February 11th, 2019 at 1:34pm.
Boulder County Home Sales Soar into Late Summer
Home sales in Boulder-area single-family and attached housing markets rose in August along with the late summer heat index.
Single-family home sales increased 10 percent in August 2018 compared to July with 460 homes sold in Boulder-area markets vs. 418. Sales for condominiums and townhomes climbed 15 percent with 146 units sold vs. 127.
Meanwhile, Denver-metro home sales went in the opposite direction, slowing significantly over the same period, according to the Denver Post.
It's testament to the state of Boulder Valley real estate market, according to Ken Hotard, senior vice president of public affairs for the Boulder Area Realtor® Association.
"We have our own little market here. While Denver dipped, Boulder Valley showed strong growth in sales, despite ongoing rising prices and inventory squeeze," says Hotard.
Year-to-date sales also continue to climb steadily. Single-family home sales grew 1.7 percent through August 2018 compared to last year – 3,154 homes sold vs. 3,100. Attached homes followed a similar track, improving 1.6 percent year-to-date – 1,154 sold in 2018 compared with 1,135 in 2017.
Inventory dropped 2.0 percent for single-family homes – 993 units in August 2018 vs. July's 1,013. But condo/townhomes available for sale grew 11.2 percent with 268 units available in August vs. 241 the previous month.
Hotard attributes the unceasing increase in real estate sales and prices to the area's strong economy and continued job growth, along with a desirable quality of life. "Significant companies are hiring in Boulder, like Zayo, Google, Twitter – and the natural foods industry is strong," he adds.
Interest rates are slowly pushing upward, which traditionally results in a slowdown in rising home prices and sales. But Boulder Valley's housing market may not readily respond to interest rate increases.
"It's unknown what the tipping point is for interest rates affecting our housing market. And with 35 percent of Boulder County homes bought with cash, rising interest rates may not have a significant effect locally," says Hotard.
Looking ahead to the final quarter of the year, Hotard expects sales to continue to match those of last year, unless "something unusual happens."
"We seem to be operating on an upward trend and it's hard to see what would stop it. The real challenge for Boulder County is providing the housing and transportation infrastructure to support job growth."
Originally posted here by Tom Kalinski Founder RE/MAX of Boulder on Tuesday, October 2nd, 2018 at 10:46am.
Boulder Rent Prices Decline
The usual story of ever-rising Boulder rents took a new turn this month. Data for August 2018 shows Boulder rents fell slightly by 0.1 percent last month and by 0.1 percent year-over-year, according to the latest report from rental site Apartment List.
That translates into median apartment rent of $1,150 for a one-bedroom and $1,410 for two-bedrooms. But even with the minor dip, Boulder's median two-bedroom rent is above the national average of $1,180.
Nationwide rental rates went up about 1.5 percent, which the report found is down from a high of 3.6 percent in 2015.
Compared to the state and nation, Boulder's rental price growth is below average. The city lags the state average of 0.4 percent rent growth year-over-year.
Rent also decreased in Colorado's City of Aurora with a reduction of 0.8 percent year-over-year. A two-bedroom apartment in Aurora rents for $1,560.
But statewide, rental prices continue to trend upward. Colorado's rental prices rose 0.4 percent over the past year. Eight of Colorado's ten largest cities show rising rents.
Loveland, Thornton, and Westminster all have year-over-year growth above the state average with rent increases of 2.8 percent, 2.6 percent, and 1.9 percent, respectively.
Thornton is the most expensive of all Colorado's major cities with a median two-bedroom rent of $1,860.
Many cities nationwide saw increases, including Phoenix, Atlanta, and San Francisco, rising 2.5, 1.5 and 1.1 percent, respectively.
Orlando has the fastest rent growth in the nation with an increase of 5.3 percent over last year. Second in the nation is Riverside, CA with 4.1 percent year-over-year growth, followed in third place by Anaheim at 3.6 percent.
The state of Nevada leads the country for the fastest rent growth at 3 percent, followed by Arizona at 2.2 percent.
Apartment List determines rent standings using reliable median rent statistics from the Census Bureau and extrapolates forward to the current month using a growth rate calculated from Apartment List listing data.
You can read the full report at https://www.apartmentlist.com/co/boulder#rent-report, see the national rental statistics at https://www.apartmentlist.com/rentonomics/national-rent-data/. If you want to know where rents are growing fastest, visit https://www.apartmentlist.com/rentonomics/rents-growing-fastest/.
Originally posted here by Tom Kalinski Founder RE/MAX of Boulder on Monday, September 17th, 2018 at 2:39pm.
Colorado's Top Cities for First-Time Home Buyers
Nine Colorado cities rank in the top 50 best cities for first-time home buyers, according to recent analysis by WalletHub, a personal finance website. Four of those made the top 20 – Centennial, Thornton, Arvada and Greeley, coming in at Nos. 3, 6, 17, and 20, respectively.
With home prices rising in Colorado and across the nation, buying a first home is challenging. Potential buyers need to develop a realistic perspective on market prices, their financing options, and neighborhoods that have a good reputation and appeal to their lifestyle.
To help potential buyers target possible locations, WalletHub compared 300 cities of varying sizes across 27 key indicators of market attractiveness, affordability, and quality of life. Data includes important factors like cost of living, real-estate taxes, and property-crime rate.
Here are the rankings of the Colorado cities reported:
3. Centennial
6. Thornton
17. Arvada
20. Greeley
23. Longmont
25. Fort Collins
27. Colorado Springs
28. Westminster
39. Pueblo
51. Denver
67. Aurora
137. Boulder
Among those cities, Colorado Springs has the fourth-lowest real estate tax rate in the nation.
First-time home buyers are often in the millennial generation. As it turns out, Colorado is the ninth-best state for millennials, according to a separate WalletHub report.
Millennials – those born between 1981 and 1997 – make up over 35% of the workforce. While often thought of as "kids," the oldest are 37 years old.
In addition to a total score of 9, Colorado ranks high for quality of life (7), economic health (3) and civic engagement (10). No. 1 ranked District of Columbia also ranked first in the nation for quality of life and civic engagement.
Colorado was evaluated along with all 50 states and the District of Columbia across 30 key metrics, ranging from share of millennials to millennial unemployment rate to millennial voter-turnout rate.
Here's a look at the top 10 states for millennials:
For more information, see the full reports at https://wallethub.com/edu/best-and-worst-cities-for-first-time-home-buyers/5564/#methodology and https://wallethub.com/edu/best-states-for-millennials/33371/ .
Posted by Tom Kalinski Founder RE/MAX of Boulder on Friday, August 24th, 2018 at 10:36am.
Boulder valley real estate: Parsing fact from 'fake news'
In this day and age, one could be forgiven for wondering if facts no longer matter or actions no longer have consequences. Whether one watches the national news or a local city council study session where members declare that they want fewer visitors (both tourists and locals from neighboring cities), it is clear we are living in strange times.
Despite all of the uncertainty, there are still a few facts left out there (at least where real estate is concerned), and from them we can draw some reasonable inferences.
The Facts:
1. Home prices throughout Boulder Valley are reaching all-time highs.
At the top of the list, the average single family home in:
- Boulder now costs over $1,250,000
- The suburban plains now costs almost $850,000
- Louisville and the suburban mountains now cost over $750,000
- Boulder County now costs $767,000
Likewise, the average attached home in:
- Boulder now costs over $540,000
- Louisville now costs over $400,000
- Longmont now costs over $350,000
- There are no places left in Boulder County or Broomfield where the average condo is less than $340,000.
2. Local housing inventory is at historic lows
The inventory of homes throughout Boulder County is at or near historic lows..
At the end of June, there were 858 single family homes on the market in Boulder County. To add some perspective, the inventory of homes on the market at the end of June 2006 was 2,763, more than three times as many homes as there are now. There are many reasons for this, including the fact that people are choosing to stay in place longer, increasing prices/lack of affordable places to move to, strong anti-growth policies, etc. Looking at the economic, political and structural factors at play, it appears that this scarce inventory is going to be the new normal.
3. Despite the high prices and low inventory, demand remains high
We gauge the strength of demand for homes using several indicators, including months' of inventory, the average time a home spends on the market, and the number of expired listings (homes that failed to sell on the market).
Economists say that a balanced housing market has about six months' of inventory, with more inventory being a buyer's market and less being a seller's market. At the end of June, Boulder County had about 3.3 months' of inventory, compared to 3.8 at this time last year. In the first half of 2016, the average home spent 65 days on the market (from listing to closing). So far this year, that average is 57 days, 12.3 percent faster. Last year at this time, there were 33 expired listings, compared to only 26 this year, which is a drop of 21 percent.
Taken together, these factors demonstrate that demand is getting stronger, even in the face of rising prices and declining choices. And when you consider net migration to our area and plentiful jobs, it also appears that demand will keep increasing and homes will continue to appreciate until . . . when?
What is it that will cool our market and when will it happen?
There are several issues that have the potential to slow our market. First, interest rates continue to rise and as they do they will drain buyers' purchasing power. Second, as prices have risen faster than wages over the last decade, there may come a point where home prices have to stall in order to allow buyers' savings to catch up. Third, a macro-level event, such as a recession, international war, etc., could cool the entire economy and affect our market.
The set of variables is too complex to predict accurately what the precise cause(s) will be or when it will come, but it will come. The good news (if you own real estate here) is that there is no better place to invest in real estate than here — even in a downturn.
Jay Kalinski is broker/owner of Re/Max of Boulder.
Originally posted by BizWest on Wednesday, June 1st, 2018. Original found here.
Boulder-area market holding steady, proving strong demand eclipses low inventory
It's beginning to look a lot like this year's Boulder County real estate sales performance will outperform last year's robust close. Year-over-year sales data for 2017 shows slight improvements compared to 2016, even with inventory at persistently low levels.
"It just proves that demand is strong and consistent," says Ken Hotard, senior vice president of public affairs for the Boulder Area Realtor® Association.
Single-family home sales in the Boulder area improved 2.1 percent year-to-date through November 2017 compared to the prior year – 4,224 homes sold vs. 4,138.
And the sale of 1,377 condominiums and townhomes through November represented a 5.5 percent gain compared to the prior year's 1,305 units sold.
"We saw year-over-year sales improvements, but the pull-back in November compared to October was more than average," says Hotard.
He's referring to the 7.9 percent drop in single-family home sales in November compared to October — 359 vs. 390 homes sold. Attached dwellings sold decreased 2.4 percent month-over-month with 123 units sold vs. 126.
Since the weather was excellent for house hunting, the pullback is likely indicative of more than the typical seasonal slowdown.
"Inventory is probably the culprit in the November pullback this year, which resulted in not only fewer sales, but also a softening of prices," he says. When it comes to low inventory, there is "no end is in sight for the foreseeable future."
Hotard believes price-softening is confined to higher end homes where inventories are larger and homes take twice as many days on the market before selling. "Lower priced homes are not affected," he adds.
While buyer demand is strong, low inventory can't supply that demand. November's inventory is telling: Single-family homes for sale in the Boulder-area dropped 22.8 percent in November compared to October with 777 homes for sale vs. 1,006. Condos and townhomes felt the pinch slightly harder with a 24.7 percent drop for the month of November – 146 units vs. 194.
Mortgage interest deductions may diminish in importance as a result of the doubling of the standard deduction as part of recent tax reform legislation. The National Association of Realtors predicts only a small percent of homeowners will take advantage of the mortgage interest deduction in years to come because of that change.
*Photo courtesy of Edwin Andrade on Unsplash.com
Originally posted here by Tom Kalinski Founder RE/MAX of Boulder on Friday, January 5th, 2018 at 10:15am.