Enjoy more treats with a checking account that pays you!

AT CANOPY, WE BELIEVE IN GOING ABOVE AND BEYOND FOR OUR MEMBERS.

Having products that also go the extra mile for members is important to us. Now, our KASASA Checking accounts are even BETTER, with members getting paid more than ever for banking local.

Our Kasasa Rewards Checking account now provides up to $12 cash back each month. Here’s how it works. You earn 4.00% cash back on up to $300 in debit card purchases monthly when your account qualifies. That’s up to $12 cash back each month, which is $144 each year! 

All you have to do to qualify is enroll in eStatements and have 12 or more debit card purchases every month. Did we mention you also get up to $20 monthly in refunds on ATM fees nationwide?

Now the question is, what could you do with an extra $12 in your budget every month? Here are a few ideas to get you started!

Pay your streaming subscriptions!

It can be hard to say goodbye to your favorite shows, but budgets can be tight. Finding the best streaming service for you can take some trial and error that takes a toll on your wallet. Take the time to make a decision about one to two streaming services work best for you. Then use your $12 towards covering the cost of a streaming service. That will help you truly settle back and enjoy the show!

Treat a friend and you to coffee

Getting together over a “cup of joe” can lead to special moments. Intentionally setting aside time and your $12 to catch up with a friend is a great way to make the most out of your money. Exchange your $12 for two $4 coffees, a $2 pastry to share and little extra for tax and a tip!

Put towards gas money

Put your extra $12 toward your gas money is another way to utilize this free cash! While $12 might not make a huge dent, it will take you a few more miles.  

Buy local goods!

Take your $12 and see how you can support local businesses with your extra cash. At a farmer’s market, make a game out of seeing how much bang you can get for your buck. With a bunch of carrots, freshly picked apples and a jar of local honey, you will have won big time with your rewards.

Cover your gym membership!

Get your sweat on, for free! Use your $12 to cover monthly gym membership fees. That way just you will be doing the heavy lifting, not your wallet. 

Let the music roll on – for free

Put your $12 to work by budgeting it to cover the cost of your favorite ditigal music service. Free tunes will be music to your ears!

Pay it forward!

There are so many ways to pass along the love! What if you utilized the $12 you earned to make other people’s day? Each month, make a plan to give back with your $12. Maybe that is a couple extra bucks in the tip jar at your local coffee shop, or paying for the person behind you at a restaurant.

$12×12=$144!

Now, what if you saved up that $12 each month and budgeted for one special treat with the $144 that you earned? With that extra cash, you can make special memories or even knock something off of your ever-growing to-do list.

• Fancy dinner for two
• Washington Parks Discover Pass for $35 and a new pair of hiking boots to hit the trails
• Tickets to your favorite sporting event
• New outfit for a night out on the town
• Deluxe car detail – who knows how long those fries have been underneath the seat?
• Plane ticket to get out of town!
• Fresh set of housing cleaning supplies – laundry detergent, paper towels, toilet bowl cleaner – oh my!
• A day at the spa
• New patio furniture
• 10 bags of your dog’s favorite treats – they are your best friend after all!

To learn more information about this, please check out Canopy CU

Hardwood and Clear Timber: A Prized Pair for Sustainable Construction

Hardwood and clear timber have long been revered for their exceptional quality and versatility in construction projects. These materials, renowned for their durability and aesthetic appeal, offer unique advantages that make them an excellent choice for sustainable building practices. Let’s delve into the world of hardwood and clear timber to understand their significance in the realm of sustainable construction.

Hardwood Timber: Hardwood is derived from broad-leaved trees, and its natural strength and resilience make it an ideal choice for structural components. Oak, maple, teak, and mahogany are among the popular hardwood species renowned for their durability and longevity. The density and stability of hardwood make it resistant to wear, rot, and insect damage, ensuring structures built with hardwood stand the test of time. This characteristic reduces the need for frequent maintenance and replacement, thereby reducing waste and contributing to sustainable construction practices.

Clear Timber: Clear timber refers to timber that is free from knots, blemishes, and other imperfections, offering a smooth and uniform appearance. It is typically obtained from the heartwood of high-quality trees and is highly sought after for its aesthetic appeal. Clear timber not only adds an elegant touch to architectural designs but also enables efficient use of resources by minimizing waste during construction. The absence of knots and defects in clear timber contributes to its structural integrity and enhances its durability.

Sustainability Considerations: While hardwood and clear timber are prized for their attributes, it is essential to ensure their sourcing aligns with sustainable practices. Sustainable forestry management, such as selective logging and responsible harvesting, plays a crucial role in preserving forest ecosystems and maintaining a healthy balance. Certification programs like the Forest Stewardship Council (FSC) provide assurance that hardwood and clear timber originate from sustainably managed forests, promoting biodiversity conservation and supporting local communities.

Environmental Benefits: Hardwood and clear timber offer significant environmental advantages. As natural materials, they contribute to carbon sequestration by absorbing CO2 during the growth phase. Additionally, sustainable forestry practices promote reforestation and ensure the continuous replenishment of timber resources. By utilizing hardwood and clear timber in construction, we can effectively store carbon, reduce greenhouse gas emissions, and mitigate climate change.

Versatility and Adaptability: Hardwood and clear timber excel not only in structural applications but also in a wide range of interior and exterior finishes. From flooring and cladding to doors and furniture, their versatility allows for cohesive design aesthetics throughout a building. Furthermore, their adaptability makes them suitable for both traditional and contemporary architectural styles, ensuring timeless appeal and long-term value.

Embracing the Tranquility: The Benefits of Trading Your Motorhome for a Static Caravan

Are you a passionate traveler seeking a more permanent getaway? Consider the allure of trading in your motorhome for a static caravan, a haven of tranquility that offers a multitude of advantages. While motorhomes provide mobility and flexibility, static caravans offer a different kind of freedom, creating a retreat where you can unwind, relax, and fully immerse yourself in the joys of a home away from home.

One of the primary benefits of a static caravan is the sense of ownership and stability it provides. By selling your motorhome and investing in a static caravan, you establish a personal sanctuary, a place to call your own. Unlike motorhomes that require constant packing, unpacking, and planning, static caravans offer a permanent base, allowing you to escape to your personal oasis whenever the desire arises.

Comfort is another key advantage of static caravans. These spacious retreats often come fully furnished with a range of amenities. Imagine stepping into a cozy living room, complete with plush seating, a fully equipped kitchen, and a comfortable bed waiting for you after a day of exploration. With the freedom to decorate and personalize your static caravan, you can create a space that truly feels like your own, reflecting your unique style and taste.

Furthermore, static caravans offer a sense of community and a chance to forge lasting friendships. Many caravan parks in the UK feature a welcoming atmosphere, providing opportunities to connect with like-minded individuals who share a passion for leisurely living. From social gatherings to organized activities, there is always an opportunity to engage with your neighbors and create cherished memories together.

Financially, trading your motorhome for a static caravan can prove advantageous. While motorhomes require ongoing maintenance, fuel costs, and potential depreciation, static caravans offer a more cost-effective option. Once you have purchased your static caravan, you can benefit from reduced travel expenses and the absence of monthly site fees, as they are typically paid annually. This allows you to allocate your resources to creating a comfortable and enjoyable living space within your static caravan.

Moreover, static caravans provide a retreat throughout the year. Unlike motorhome travel, which is often limited to specific seasons or favorable weather conditions, static caravans can be enjoyed regardless of the time of year. With the right facilities and insulation, you can escape to your haven during summer holidays, festive breaks, or whenever the urge to relax arises.

Ultimately, the decision to trade your motorhome for a static caravan is a personal one. While motorhomes offer a sense of adventure and spontaneity, static caravans provide a serene and stable sanctuary. If you find yourself longing for a place to unwind, surrounded by natural beauty, and free from the constraints of constant travel, a static caravan may be the perfect option for you. Embrace the tranquility, create cherished memories, and embark on a new chapter of leisurely living in your very own static caravan.

Unloader Knee Brace Relieves Knee Pain Arthritis

Unloader Knee Brace Reduces knee pain arthritis

An unloader knee brace is designed to alleviate the pain that comes with osteoarthritis of the unicompartmental region of the knee. It`s lightweight and comfortable, and has three points of leverage that alleviate pressure in and out of the knee joint. It`s FDA-approved, and it fits all patients. As opposed to other braces is easy to adjust and comes with quick snaps to make it easy to use. All ages of patients can make use of the knee brace with unloader to suit their needs.

Another option to avoid surgery is knee orthotics. They can be tailored to fit your knee joint and enhance the movement of your knee. They are sold on the internet or at drug stores. They`re usually customized to the specific needs of each patient. For example the heel wedge can be inclined in one direction, or the opposite direction to shift the pressure on the knee. It is an excellent solution to lessen discomfort and let you carry on doing what you love.

To evaluate the cost and advantages of unloader knee braces against surgery, the study utilized the Patient Episode Database in Wales to calculate the average waiting times. The unloader knee brace was compared with an TCR. The TKR comparator had a lengthy costly initial cost, and the knee brace that unloader was fitted with was considerably less expensive. Furthermore the patients were able to get back to work in half the cases, which means that the unloader knee brace could be taken off the list of surgical interventions. Cost-benefit analyses focus on the economics of clinical outcomes as well as clinical outcomes in addition to using a patient`s EQ-5D index score to determine the quality of their life.

There are numerous types of knee braces with unloaders on the market. Your doctor or physical therapist will advise the one that`s right for your specific needs. Certain knee braces that unload can be customized for every patient. The maker will need to understand the details of the function of the patient and the size of their knee. After the brace has been manufactured, you will receive instructions on how to wear it.

The research has also demonstrated that REBEL RELIEVER`s unloading of the knee brace may improve the quality of life and extend it for patients suffering from osteoarthritis. It also proved to be more effective than standard care to relieve pain and improve mobility. Although the results aren`t conclusive, it`s likely to help people suffering from osteoarthritis to function better and reduce the progression of the disease. This makes the REBEL RELIEVER unloading knee brace a beneficial therapeutic option.

A study on unloader knee braces has revealed that the treatment is effective in delaying the need for surgical procedures and reducing the frequency of procedures. The study revealed that those who were wearing a brace for six months were 50% less likely to likelihood of needing surgery. In contrast, patients who wore the brace for less than three months were at twice the chance of needing surgery. Even though the knee unloader brace will not lessen the intensity of UOA symptoms it might still be worth the cost.

An unloader knee brace can cost between $400 and $1000. But it is possible that your insurance will cover the cost if you`ve got an emergency medical requirement. But, it is recommended to consult a physician before using one. If you feel that you are in need of one, your doctor may be able to recommend it. Also, you should improve your posture and walking technique. The right shoes and inserts for your shoes will ease discomfort and improve posture. There are a variety of reasons why people suffer knee pain.

A knee brace that is unloader can be used to limit side-to-side movement of the knee joint. It is designed to be worn around the leg and restrict side-to-side movement. The unloader brace has three pressure points on the femur. The knee is forced to extend away from the side that is painful. The unloader knee brace is best for those who are lean and thin and still wish to exercise. This kind of brace will not relieve osteoarthritis and should not be considered the sole option to treat knee pain.

An unloading knee brace has been found to perform better than the usual care in reducing medial OA pain. The unloader knee brace cost less than surgery, and remains within NICE acceptable limits.

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Grenada Citizenship by Investment

Grenada’s Citizenship by Investment programme is one of the most popular choices for investors in the world due to the many advantages of citizenship and the benefits of a Grenadian passport. By making an investment in either a government-approved real estate development or a one-time, non-refundable donation to a government fund, the main applicant and dependents are able to secure citizenship in Grenada that is passed down through the generations. 

Understandably, investors want to perform their due diligence and have every resource available before committing to an investment and beginning the application process. To help interested applicants, we’ve assembled some useful resources and links to help in that pursuit. 

Government of Grenada Official Website

While not directly related to the Citizenship by Investment program, the official website of the Government of Grenada is an excellent resource to become familiar with the country’s workings. You can learn about the various policies and information for businesses, guides for residents and non-residents, and become familiar with the government’s structure and constitution. When becoming a citizen of another country, it’s important to learn about how the government operates, your rights under their laws, and other areas that may affect your business dealings or day to day life. 

Grenada Citizenship by Investment Unit

The Grenada Citizenship by Investment Unit (CIU) is the government agency responsible for managing and overseeing the program. Their website serves as a valuable resource for investors. It provides detailed information about the program’s legal framework, and due diligence procedures. The CIU’s website also offers access to the official list of approved projects and developers, allowing you to explore investment opportunities. It’s an excellent resource for comprehensive information on the Citizenship by Investment program. It provides detailed information about the eligibility criteria, investment options, application process, and associated fees. The website also offers access to relevant application forms and guidelines. The site is updated with the latest news and announcements related to the program.

Approved Agents and Real Estate Investment Developers

To ensure a smooth and successful application process, it is crucial to align with an authorized marketing agent or developer. These professionals specialize in assisting investors with their Grenada Citizenship by Investment applications and guiding them through the entire investment process. 

We at Range Developments are the leading Citizenship by Investment developer in the Caribbean, as well as in Grenada, with a highly successful track record in Dominica, St. Kitts & Nevis, and have begun our second development in Grenada, The InterContinental Grenada Resort. We hold a professional and productive relationship with the government of Grenada, adding greater efficiency to the process as we’re a trusted CBI partner. Our extensive experience guiding investors towards Grenada citizenship has helped secure a wide array of advantages for both the investors themselves and their families, opening doors to greater business opportunities and expanding their portfolios. 

We encourage you to explore the extensive resources available on our website and visit the official Grenadian government websites listed above.

Real Estate Investment Opportunities in Grenada

Outdoor cooking – it’s all the rage!

Outdoor cooking has become very popular over the years. The bbq explosion started way back in the 1950s in the United States, rapidly expanding to countries like Australia, Germany, and the UK. There are numerous advantages attached to embracing the world of open air cooking, and its popularity is showing no indications of falling away, particularly now facilities like outdoor kitchen areas and wood-fired ovens are in such high demand. Alfresco cooking can help us make wonderful memories, enhance the nutritional quality of cuisine, and get us spending valuable time embracing the open air. See what we offer Visit Website

The benefits of garden cooking

Eating and drinking outside encourages us to spend more time outdoors and delivers valuable physical and emotional benefits. The air tends to be cleaner outside, and spending more time outdoors can also improve eye health by reducing our exposure to artificial light. Spending time outside also gives us valuable access to Vitamin D. When we don’t get enough of this essential vitamin, our moods can plummet, and our sleep quality can be affected. Another big benefit of cooking outdoors is that it means reducing our reliance on air conditioning systems, which can be costly to operate.

Outside cooking can be healthier

Grilling meats out-of-doors can mean fatty oils are removed from them before they are added to your plate. This in turn means that the number of calories we ingest is decreased. A great deal of out-of-doors cooking involves grilling. When vegetables are grilled, they tend to be more nutritious.

Cooking outs of doors is great for socialising

Many folks prefer to spend time with their friends and family outdoors. Cooking outdoors can be really relaxing and gives you the chance to create wonderful moments with your loved ones in a bright and airy external setting whilst soaking up the atmosphere on your patio or in your back garden. As you’ll be cooking close to your guests, you won’t feel left out whilst you are preparing the cuisine.

Alfresco kitchen areas can add value to your home

As out-of-doors kitchen installations have become so popular, they are a feature many people look for when they’re considering investing in a new home. The price you pay for an outside kitchen installation may be greatly eclipsed by the figure it adds to your property value. One of the latest ‘must-have’ out of doors cooking facilities is the wood-fired oven, which can add a scrumptious smoky flavour to treats like pizzas and cook them within just a few minutes.

Call wood fired ovens today!

Making Best Use Of Space and also Comfort: Choosing Couches as well as Couch Beds for Tiny Living Rooms

Introduction:

When it concerns equipping a small home, locating the perfect couch or sleeper sofa can be a game-changer. These versatile pieces of furniture not only supply a comfortable seats option however can additionally act as a visitor bed when required. Nevertheless, with minimal room available, picking the ideal sofa or sofa bed becomes crucial. In this write-up, we will certainly direct you through the procedure of choosing couches as well as sofa beds that are both space-efficient as well as fashionable for your portable living area. Discover great offers on sofas and sofa beds online at www.sofasandsofabeds.co.uk.

Measure your area:

Before embarking on your sofa-buying trip, take accurate measurements of your living location. Think about the size, width, and height of the room, as well as any type of possible blockages such as doorways, home windows, or radiators. These measurements will certainly assist you determine the maximum measurements of the sofa or sofa bed that can fit conveniently in your tiny space.

Go with a space-efficient style:

When choosing a sofa or sofa bed for a little home, it’s important to prioritize room effectiveness. Seek styles with compact dimensions that can take full advantage of seating without overwhelming the space. Think about sofas with clean lines, slim arms, and also low backs, as they often tend to use up much less aesthetic area and also create an impression of visibility.

Explore multifunctional sofa beds:

If you often hold visitors or need an added sleeping choice, a sleeper sofa is a superb remedy for little living spaces. Choose a sofa bed that seamlessly converts from a comfy seating area to a comfy bed. Search for designs with an easy to use mechanism, such as a pull-out or click-clack system, that allows for quick as well as effortless makeover. Keep in mind to consider the dimension and also quality of the cushion to guarantee a good night’s rest for your guests.

Think about modular or sectional couches:

Modular or sectional sofas are an excellent choice for small home as they supply flexibility in setup. These sofas come in different areas that can be rearranged to fit your changing demands and also room restrictions. You can tailor the layout to produce a relaxing edge or optimize seating alternatives while keeping an open flow. Additionally, some modular designs even consist of concealed storage space compartments, providing important space to tuck away coverings, pillows, or various other items. Take a look at modern sofas at https://www.livingroom-sofas.com/.

Focus on light-weight and also functional products:

When it pertains to tiny living spaces, furnishings that is lightweight and aesthetically light can make a significant distinction. Choose couches as well as sofa beds made from products such as lightweight wood frameworks, steel, or acrylic. These products not only make the furnishings less complicated to move and also rearrange yet likewise develop a feeling of airiness in the space. Think about furniture fabrics that are durable, stain-resistant, and very easy to tidy, as they will certainly make sure longevity and reduced upkeep.

Embrace space-enhancing colors and also patterns:

Picking the best shade and also pattern for your couch or sofa bed can contribute to the assumption of space in your small living location. Lighter shades like white, beige, or pastels reflect extra light, making the space really feel brighter and much more open. Consider incorporating refined patterns or textures to add aesthetic interest without frustrating the area. In addition, utilizing the same or similar shades for your couch and walls can produce a cohesive and sizable look.

Examination for comfort and also high quality:

While area efficiency is crucial, comfort ought to not be endangered. When shopping for couches or sofa beds, put in the time to rest as well as lie down to assess the degree of comfort they offer. Try to find versions with top notch pillows that supply ample assistance and also maintain their form with time. Focus on the framework’s durability and also craftsmanship to ensure longevity, as furniture that stands the test of time is a beneficial investment. For more sofa and sofabed options, check out www.sofaauction.co.uk.

Verdict:

Picking the ideal sofa or sofa bed for a little space needs thoughtful factor to consider of area performance, performance, convenience, as well as style. By gauging your space, going with space-efficient styles, discovering multifunctional choices, as well as considering modular or sectional arrangements, you can make the most of your portable living location. Accept light-weight products, flexible upholstery, and shades that boost the feeling of room. Inevitably, discovering the ideal couch or sleeper sofa that balances space optimization and convenience will change your small space right into a relaxing as well as useful sanctuary.